{"took":267,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1376,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2802806","_score":14.851582,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed the fraudulent accounts listed on my Equifax Credit report multiple times - I was a victim of identify fraud years ago and discovered them - not to mention a victim of both Equifax and XXXX 's information breaches. I obtained a police report, provided my identification, and my proof of address and submitted disputes to XXXX, XXXX   and Equifax. It did take some time but after months of verification, reinvestigation and working together with the credit reporting agencies, both XXXX and XXXX   removed the bogus fraudulent information and corrected all of the errors on my report. Equifax who have all the exact same information on the errors have deleted non of the error from my report. Therefore, XXXX  shows me with excellent credit and a FICO score of XXXX, XXXX shows me with excellent credit and a FICO score of XXXX and Equifax shows me with very poor credit with a FICO score of XXXX. \nI will be retiring soon and found the errors as I started to prepare to sell my real estate property to look to by a retirement property and discovered I had to delay until I clean this mess up. Equifax if harming me in an unmeasurable way. They were the most reckless with my personal information and are now making it impossible to clean up their mess. They should be fined and in fact prevented from handling any ones personal credit information all together.","date_sent_to_company":"2018-02-03T17:39:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"015XX","tags":null,"has_narrative":true,"complaint_id":"2802806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-03T17:13:25.000Z","state":"MA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It did take some time but after months of verification, reinvestigation and working together with the <em>credit</em> <em>reporting</em> agencies, both <em>XXXX</em> and <em>XXXX</em>   removed the bogus fraudulent <em>information</em> and corrected all of the <em>errors</em> on my <em>report</em>. Equifax who have all the exact same <em>information</em> on the <em>errors</em> have deleted non of the <em>error</em> from my <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an <em>error</em> on your <em>report</em>"]},"sort":[14.851582,"2802806"]},{"_index":"complaint-public-v1","_id":"2120433","_score":14.260593,"_source":{"product":"Credit reporting","complaint_what_happened":"I am writing to dispute the following information. An error was submitted by XXXX XXXX on my credit report. XXXX XXXX reported the sale of property as a Foreclosure which is was definitely not. It was a Agreed Settlement ( account paid in full for less than full balance ) to prevent/avoid foreclosure.","date_sent_to_company":"2016-09-21T01:41:50.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"23188","tags":null,"has_narrative":true,"complaint_id":"2120433","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-09-21T01:41:49.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> the following <em>information</em>. An <em>error</em> was submitted by <em>XXXX</em> <em>XXXX</em> on my <em>credit</em> <em>report</em>. <em>XXXX</em> <em>XXXX</em> <em>reported</em> the sale of <em>property</em> as a Foreclosure which is was definitely not. It was a Agreed Settlement ( account paid in full for less than full balance ) to prevent/avoid foreclosure."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["Incorrect <em>information</em> on <em>credit</em> <em>report</em>"]},"sort":[14.260593,"2120433"]},{"_index":"complaint-public-v1","_id":"11654657","_score":14.202002,"_source":{"product":"Debt collection","complaint_what_happened":"Dear cfpb, I am writing to formally dispute incorrect information that appears on my credit report. Specifically, I am disputing the false claim regarding unpaid rent payments during my tenancy at [ XXXX XXXX  : XXXX XXXX XXXX, XXXX, CA XXXX ]. \nI resided at this property from XX/XX/XXXX to XX/XX/XXXX and made all rent payments in full and on time via cashier 's checks. These payments were made promptly upon move-in and continued through the entirety of my lease period. Unfortunately, there were over four property managers during my tenancy, and I suspect that the first property manager, XXXX, may have failed to cash or properly account for these payments. This error seems to have resulted in the current claim against me. \nThis false claim has caused significant distress, as I am now being harassed by debt collectors and property supervisors over a mistake that was not mine. I am providing evidence to substantiate my dispute : 1. Lease agreement documentation showing the agreed-upon rental terms.\n\n2. Any relevant correspondence with property management addressing payment concerns. \nPlease conduct a thorough investigation into this matter and correct the inaccurate information on my credit report. I request that this item be removed promptly to prevent further harm to my creditworthiness. Thank you for your prompt attention to this matter. I look forward to your resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-17T22:59:42.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"90044","tags":null,"has_narrative":true,"complaint_id":"11654657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-01-17T22:40:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Dear cfpb, I am writing to formally <em>dispute</em> incorrect <em>information</em> that appears on my <em>credit</em> <em>report</em>. Specifically, I am <em>disputing</em> the false claim regarding unpaid rent payments during my tenancy at [ <em>XXXX</em> <em>XXXX</em>  : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, CA <em>XXXX</em> ]. \nI resided at this <em>property</em> from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> and made all rent payments in full and on time via cashier 's checks. These payments were made promptly upon move-in and continued through the entirety of my lease period."]},"sort":[14.202002,"11654657"]},{"_index":"complaint-public-v1","_id":"2650476","_score":13.369766,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian shows that I made a late payment on a XXXX XXXX XXXX mortgage account ( XXXX acct number ) onXX/XX/XXXX2014. This information is incorrect, I disputed the late payment reported by XXXX XXXX XXXX ( XXXX ) through the CFPB earlier this year, and XXXX agreed that it was an error, and provided all 3 credit bureaus an update to show that the payment was n't late. XXXX and XXXX correct their records, but Experian has n't made the change yet - and I personally made them aware of the error through a dispute a few months ago, and they still have n't corrected the error. The error has has made it difficult for me to obtain interest rates I need to get a refinance of my current property, and obtain other financial loans that I have been seeking this year.","date_sent_to_company":"2017-08-25T13:07:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"2650476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-08-25T12:43:43.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Experian shows that I made a late payment on a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> mortgage account ( <em>XXXX</em> acct number ) onXX/XX/<em>XXXX</em>2014. This <em>information</em> is incorrect, I <em>disputed</em> the late payment <em>reported</em> by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> ) through the CFPB earlier this year, and <em>XXXX</em> agreed that it was an <em>error</em>, and provided all 3 <em>credit</em> bureaus an update to show that the payment was n't late."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[13.369766,"2650476"]},{"_index":"complaint-public-v1","_id":"18873114","_score":13.252993,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/year>, my mortgage servicer began charging me for property taxes through my escrow account, claiming my monthly payment had increased from approximately {$1300.00} to over {$3400.00}. However, I am a 100 % XXXX veteran and my primary residence is fully exempt from property taxes under Illinois law. I provided official exemption documentation from XXXX XXXX assessor to the servicer in early XX/XX/year>. \n\nDespite acknowledging receipt of the exemption, the servicer : Continued to include tax charges in my escrow Raised my monthly payment multiple times without valid cause first to {$3400.00}, then to {$1700.00}, then to {$2000.00}, and back to {$1700.00} Misapplied my XX/XX/year> payment of {$1700.00} into a suspense account instead of crediting my mortgage, then reported my account as delinquent Sent conflicting statements with inconsistent balances, dates, and payment amounts Issued delinquency and default notices while my formal written dispute was pending Failed to correct errors after acknowledging the exemption and receiving my notice of error Has called daily from unidentified numbers, claiming to be debt XXXX, despite the active dispute I filed a complaint with the CFPB in XX/XX/year>. The companys response did not resolve the issues. My account still does not reflect the correct fixed mortgage payment or the property tax exemption, and I continue to be harassed for the amount that has not been fixed, and conflicting information.","date_sent_to_company":"2026-01-20T22:14:26.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"60107","tags":"Servicemember","has_narrative":true,"complaint_id":"18873114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2026-01-20T22:01:06.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["and default notices while my formal written <em>dispute</em> was pending Failed to correct <em>errors</em> after acknowledging the exemption and receiving my notice of <em>error</em> Has called daily from unidentified numbers, claiming to be debt <em>XXXX</em>, despite the active <em>dispute</em> I filed a complaint with the CFPB in XX/XX/year>."]},"sort":[13.252993,"18873114"]},{"_index":"complaint-public-v1","_id":"6310866","_score":13.201434,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage was modified by Ocwen in XXXX ( attached ). Ocwen has since transferred the servicing to PHH. Neither Ocwen or PHH have recorded my name to the owner 's deed or title. This has caused issues with future financing or listing the property for sale. Per RESPA and CA Codes ( gov:27320-27337 ), PHH is required to record me as owner pf the property, per the listing on the deed and title. Both Ocwen and PHH have refused to acknowledge requests for this recording to take place. PHH also lists my payment 30 days late in XX/XX/XXXX. My payment was not 30 days late and PHH has refused to correct the error. Per the FCRA, proper credit reporting is required. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.","date_sent_to_company":"2022-12-12T19:52:13.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92626","tags":null,"has_narrative":true,"complaint_id":"6310866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-12-12T19:20:45.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["PHH also lists my payment 30 days late in XX/XX/<em>XXXX</em>. My payment was not 30 days late and PHH has refused to correct the <em>error</em>. Per the FCRA, proper <em>credit</em> <em>reporting</em> is required. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer <em>disputes</em> the completeness or accuracy of any <em>information</em> <em>reported</em> by the furnisher, the furnisher may not subsequently <em>report</em> that <em>information</em> to a CRA without providing notice of the <em>dispute</em>."]},"sort":[13.201434,"6310866"]},{"_index":"complaint-public-v1","_id":"17519748","_score":13.182215,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because Fidelity Properties IXXXX is reporting inaccurate and contradictory information on my credit report for account XXXX XXXX XXXX violating my rights under the FCRA. \n\nDespite disputing this account multiple times, the furnisher has failed to correct basic, verifiable errors. \n\nDetails of the Problem : Conflicting Dispute Status : My report says the account is disputed by the customer in one section, but incorrectly lists the official status as \" Account not disputed. '' This contradiction is an error and must be corrected. \n\nSuspicious Dates : The dates reported for the last activity ( XX/XX/XXXX ) and the reporting date ( XX/XX/XXXX ) are inconsistent and highly suspicious. This suggests the debt may have been illegally \" re-aged '' to keep it on my report longer. \n\nUnverified Debt : The furnisher has repeatedly failed to provide legal verification of this debt, including the original contract with my signature, after I disputed it.","date_sent_to_company":"2025-11-26T20:26:04.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"430XX","tags":null,"has_narrative":true,"complaint_id":"17519748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity Properties Inc.","date_received":"2025-11-26T20:01:34.000Z","state":"OH","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am filing this complaint because Fidelity <em>Properties</em> IXXXX is <em>reporting</em> inaccurate and contradictory <em>information</em> on my <em>credit</em> <em>report</em> for account <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> violating my rights under the FCRA. \n\nDespite <em>disputing</em> this account multiple times, the furnisher has failed to correct basic, verifiable <em>errors</em>."],"company":["Fidelity <em>Properties</em> Inc."],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[13.182215,"17519748"]},{"_index":"complaint-public-v1","_id":"4810805","_score":13.102945,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Banco Popular of Puerto Rico is currently listing a Foreclosure on my Credit report incorrectly. \nI attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but XXXX will not based on Banco Popular non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.","date_sent_to_company":"2021-10-14T21:14:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07013","tags":null,"has_narrative":true,"complaint_id":"4810805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANCO POPULAR DE PUERTO RICO","date_received":"2021-10-14T20:43:23.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They attached a second mortgage to my name and refuse to provide me <em>information</em> on the loan so I can <em>dispute</em>. I am in the process of purchasing a <em>property</em> and this <em>error</em> is keeping me from securing a mortgage."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.102945,"4810805"]},{"_index":"complaint-public-v1","_id":"4810799","_score":13.099559,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX is currently listing a Foreclosure on my Credit report incorrectly. \nI attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but TransUnion will not based on XXXX XXXX non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.","date_sent_to_company":"2021-10-14T21:14:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07013","tags":null,"has_narrative":true,"complaint_id":"4810799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-10-14T21:14:28.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They attached a second mortgage to my name and refuse to provide me <em>information</em> on the loan so I can <em>dispute</em>. I am in the process of purchasing a <em>property</em> and this <em>error</em> is keeping me from securing a mortgage."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.099559,"4810799"]},{"_index":"complaint-public-v1","_id":"3228625","_score":13.07665,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to inform you about an error I noticed on my TransUnion credit report. \n\nDATE OF ITEM DISPUTED : ( XX/XX/2019 ) NAME OF FURNISHER : XXXX XXXX XXXX DESCRIPTION OF DISPUTE : Since it is against the FCRA, 604. Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose., I am writing to inquire as to their alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with XXXX XXXX XXXX or any of their properties In an attempt to collect a disputed debt XXXX XXXX introduced false information into my credit report.","date_sent_to_company":"2019-05-01T20:45:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"731XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3228625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-05-01T18:53:53.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to inform you about an <em>error</em> I noticed on my TransUnion <em>credit</em> <em>report</em>. \n\nDATE OF ITEM <em>DISPUTED</em> : ( <em>XX/XX</em>/2019 ) NAME OF FURNISHER : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> DESCRIPTION OF <em>DISPUTE</em> : Since it is against the FCRA, 604."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.07665,"3228625"]},{"_index":"complaint-public-v1","_id":"6242420","_score":13.002256,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I missed a mortgage payment in XX/XX/XXXX, but paid the account in full on XX/XX/XXXX. \nTransunion is reporting that the information was changed and the late payment is now showing up on my credit report in XX/XX/XXXX ( instead of XX/XX/XXXX where it was originally ). \nI have spoken to XXXX XXXX and they claim they never made the change, and I tired to dispute the error with transunion, but they say it will be resolve within 30 days. \n\nI have been waiting to purchase a new property with the intention that on XX/XX/XXXX, this XXXX late payment would no longer impact my ability to get a mortgage. As it turns out, I am afraid to apply for a mortgage now until this matter is resolved since I was told that I will not qualify for 1 year after a missed mortgage payment. \n\nCan you help me get this resolved quickly? I was hoping to purchase a property in XXXX.","date_sent_to_company":"2022-11-28T14:48:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07032","tags":null,"has_narrative":true,"complaint_id":"6242420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-28T14:48:03.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I missed a mortgage payment in XX/XX/<em>XXXX</em>, but paid the account in full on XX/XX/<em>XXXX</em>. \nTransunion is <em>reporting</em> that the <em>information</em> was changed and the late payment is now showing up on my <em>credit</em> <em>report</em> in XX/XX/<em>XXXX</em> ( instead of XX/XX/<em>XXXX</em> where it was originally ). \nI have spoken to <em>XXXX</em> <em>XXXX</em> and they claim they never made the change, and I tired to <em>dispute</em> the <em>error</em> with transunion, but they say it will be resolve within 30 days."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[13.002256,"6242420"]},{"_index":"complaint-public-v1","_id":"6242278","_score":12.957926,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I missed a mortgage payment in XX/XX/XXXX, but paid the account in full on XX/XX/XXXX. \nXXXX is reporting that the information was changed and the late payment is now showing up on my credit report in XX/XX/XXXX ( instead of XX/XX/XXXX where it was originally ). \nI have spoken to Rocket mortgage and they claim they never made the change, and I tired to dispute the error with XXXX, but they say it will be resolve within 30 days. \n\nI have been waiting to purchase a new property with the intention that on XX/XX/XXXX, this one late payment would no longer impact my ability to get a mortgage. As it turns out, I am afraid to apply for a mortgage now until this matter is resolved since I was told that I will not qualify for 1 year after a missed mortgage payment. \n\nCan you help me get this resolved quickly? I was hoping to purchase a property in XXXX.","date_sent_to_company":"2022-11-28T14:47:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07032","tags":null,"has_narrative":true,"complaint_id":"6242278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2022-11-28T14:11:42.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I missed a mortgage payment in XX/XX/<em>XXXX</em>, but paid the account in full on XX/XX/<em>XXXX</em>. \n<em>XXXX</em> is <em>reporting</em> that the <em>information</em> was changed and the late payment is now showing up on my <em>credit</em> <em>report</em> in XX/XX/<em>XXXX</em> ( instead of XX/XX/<em>XXXX</em> where it was originally ). \nI have spoken to Rocket mortgage and they claim they never made the change, and I tired to <em>dispute</em> the <em>error</em> with <em>XXXX</em>, but they say it will be resolve within 30 days."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[12.957926,"6242278"]},{"_index":"complaint-public-v1","_id":"8395266","_score":12.957773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX and I came to an agreement that I would transfer the property in question back to them in XX/XX/XXXX and I signed an agreement to return the deed and they via email agreed to stop all collection and potential foreclosure action. A contract was signed in XX/XX/XXXX. I NO LONGER OWNED THE PROPERTY SINCE XX/XX/XXXX AND A COPY OF THE SIGNED DEED TRANSFER WAS PROVIDED TO EXPERIAN. THEY CONTINUE TO REPORT IT DELINQUENT THROUGH XX/XX/XXXX IN ERROR. \nAfter numerous complaints they still state the \" Information is correct '' even after getting evidence of the signed copy of the property \" transfer of deed ''.\n\nI DO NOT BELIEVE IT WAS EVER INVESTIGATED PROPERLY. \nThe WRONG INFORMATION remains on the credit report in violation of USC 1681. Experian Information Systems continues to violate my rights in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX... ; Id : XXXX. \nI tried to dispute the case again on the Experian website and their response is : \" the information submitted is irrelevant ''.\n\nThey are in violation of 15 USC 1681, s-2, ( A ) ( 1 ) they shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\nRESOLUTION : 1 ) Enforcement of 15 USC 1681 - Remove the incorrect / disputed account. \n2 ) Complete removal by XX/XX/XXXX XXXX ) If not removed with confirmation by XX/XX/XXXX I will file for criminal charges with the TN Attorney General. \n4 ) Also will seek services of counsel for complaint to be file in Federal Court.","date_sent_to_company":"2024-02-22T16:55:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"383XX","tags":null,"has_narrative":true,"complaint_id":"8395266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-22T16:38:51.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["After numerous complaints they still state the \" <em>Information</em> is correct '' even after getting evidence of the signed copy of the <em>property</em> \" transfer of deed ''.\n\nI DO NOT BELIEVE IT WAS EVER INVESTIGATED PROPERLY. \nThe WRONG <em>INFORMATION</em> remains on the <em>credit</em> <em>report</em> in violation of USC 1681. Experian <em>Information</em> Systems continues to violate my rights in accordance with the Fair <em>Credit</em> <em>Reporting</em> Act. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> - Account <em>XXXX</em>... ; Id : <em>XXXX</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[12.957773,"8395266"]},{"_index":"complaint-public-v1","_id":"20984251","_score":12.905972,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to formally dispute a XXXX delinquency reported by Nationstar Mortgage ( Mr. Cooper ) for XX/XX/year>. This derogatory mark is factually inaccurate and must be removed for the following reasons : Nationstar unilaterally added approximately {$250.00} to my monthly mortgage payment for escrow purposes when it took over servicing of my loan from the prior lender. This addition was made in error. I am a 100 % service-connected, permanent and total XXXX veteran, and under XXXX of XXXX  XXXX XXXX I am fully exempt from property taxes on my primary residence. As a result, I have no property tax obligation and no valid basis for an escrow account or any escrow-related payment increase. The new servicer failed to identify, carry over, or verify my XXXX exemption status during the loan transfer, and provided me with no prior notice of this escrow change before imposing it. \n\nFull Mortgage Payment Made : I made my full, original contractual mortgage payment in XX/XX/year>. I did not pay the erroneously added {$250.00} XXXX because it was not a valid charge under my loan terms. \n\nVerbal Agreement to Remove : XXXX XXXX representatives acknowledged the escrow error and verbally agreed to remove the XXXX late notation from my credit report. Despite this agreement, the derogatory mark remains on my credit file, constituting a continuing inaccuracy. \n\nLegal Basis for Dispute : FCRA 1681s-2 ( b ) : As a furnisher of information, Nationstar has a legal duty to investigate this dispute and correct or delete inaccurate information. Reporting a late payment based on an erroneous, unilateral fee increase is a violation of this duty.\n\nFCRA 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Retaining this notation fails that standard. \nRESPA 2605 ( 12 U.S.C. 2605 ) : Mortgage servicers are required to provide proper notice before adjusting escrow amounts and must respond to qualified written requests regarding account disputes. An improper escrow increase without proper notice violates RESPA. \nFCRA 1681i : I have the right to dispute inaccurate information and the credit bureau has a duty to conduct a reasonable investigation and correct the record. \nXXXX of XXXX  XXXX : XXXX XXXX  law XXXX a veteran who is rated 100 % service-connected, permanent and total XXXX is exempt from property taxes on their primary residence. This exemption eliminates any lawful basis for an escrow account tied to property taxes. Nationstars failure to identify and honor this exemption upon assuming loan servicing and its failure to provide any prior notice of the escrow change directly caused the improper payment increase that led to the disputed delinquency. \n\n\nPlease investigate this matter and compel Nationstar Mortgage to correct my credit file within the XXXX statutory timeframe under 15 U.S.C. 1681i.","date_sent_to_company":"2026-04-06T19:34:40.000Z","issue":"Incorrect information on your report","sub_product":"VA mortgage","zip_code":"23462","tags":null,"has_narrative":true,"complaint_id":"20984251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2026-04-06T18:27:02.000Z","state":"VA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I did not pay the erroneously added {$250.00} <em>XXXX</em> because it was not a valid charge under my loan terms. \n\nVerbal Agreement to Remove : <em>XXXX</em> <em>XXXX</em> representatives acknowledged the escrow <em>error</em> and verbally agreed to remove the <em>XXXX</em> late notation from my <em>credit</em> <em>report</em>. Despite this agreement, the derogatory mark remains on my <em>credit</em> file, constituting a continuing inaccuracy."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[12.905972,"20984251"]},{"_index":"complaint-public-v1","_id":"3679747","_score":12.815322,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"SLS has maliciously reported incorrect information on my credit report. I disputed with documentation of the loan letter closing statement and they are reporting a charge off as of XX/XX/XXXX when this was closed out XXXX. I had a XXXX daughter with XXXX XXXX  XXXX and my husband walked out. It is horrendous that this company can get away with reporting this incorrect information! Loan number was XXXX property address XXXX XXXX XXXX XXXX XXXX fl XXXX. Why can't I sue them for errors like this and hold them accountable!!!! Where are my rights? You call then and get the run around. This is on my XXXX  credit report and XXXX XXXX   finally updated the correct information. My name is XXXX XXXX","date_sent_to_company":"2020-06-02T13:16:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"3679747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2020-06-02T12:59:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["SLS has maliciously <em>reported</em> incorrect <em>information</em> on my <em>credit</em> <em>report</em>. I <em>disputed</em> with documentation of the loan letter closing statement and they are <em>reporting</em> a charge off as of XX/XX/<em>XXXX</em> when this was closed out <em>XXXX</em>. I had a <em>XXXX</em> daughter with <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> and my husband walked out. It is horrendous that this company can get away with <em>reporting</em> this incorrect <em>information</em>! Loan number was <em>XXXX</em> <em>property</em> address <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> fl <em>XXXX</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[12.815322,"3679747"]},{"_index":"complaint-public-v1","_id":"3333127","_score":12.763365,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing a complaint against Bank of America Home Loans XXXX XXXX dba XXXX XXXX XXXX , XXXX for deceptive and unfair banking practices in the mortgage and credit risk department. They are intentionally using an appraisal report where the appraiser has committed the following 2019 USPAP Violations : Standard Rule 1-1 ( a  ) ( b ) ( c ). A substantial amount of errors where noted that significant affect the opinions and credibility of the appraisal report. The sales value was based on inaccurate information regarding the condition of the property and the appraisal report contained multiple errors that significantly impact the credibility. \n\nThis complaint will reveal how the lender intentionally used insufficient information to support the credit decision and has failed to monitor the performance of the appraiser who performed the evaluation. The lender failed to properly dismiss the appraisal even after knowledge of violation of appraisal regulations that demonstrates the appraiser performed the evaluation in a reckless and negligent matter. \n\nAn appraisal was conducted on XX/XX/2019 and the report was provided to me on XX/XX/XXXX. An official appraisal dispute notice, XXXX XXXX Selling Guide, property condition disclosure, purchase agreement, accepted seller repairs, inspection report, subject property XXXX listings, pre and post renovation photos of the property, comparable sales proximity information, 2 proposed comparable properties and the county Landroll detail were submitted with my dispute. The lender claimed that another appraisal would be completed, however on XX/XX/2019, it was communicated to me that the appraisal reconsideration was completed and there was no change in value. The appraisal report contained the following errors and inconsistencies. \n\n1. Subject : The appraiser indicated that the property was owner occupied which is inconsistent with the Property Condition Disclosure and inspection conducted on XX/XX/2019. Occupancy Status of Home noted as Vacant/Staged with the approximate age of building noted as 48 Years Old ( Remodeled ) on Inspection Report. \n\n2. Contract : The appraiser claimed to have read the sales contract but indicated that there were no sales concessions which is inconsistent with the special provisions noted in the purchase agreement executed on XX/XX/2019. The sellers have agreed to pay the difference in the homestead and non-homestead tax exemption. \n\n3. Property Condition : The following condition rating/comment noted in the appraisal is inconsistent with the definition of rating C3 noted on the UAD Definitions Addendum on page 7, C3, Kitchen-updated-one to five years ago, Bathrooms-updated-six to ten years ago, Kitchen-updated-one to five years ago, The subject is in Average condition and constructed of average workmanship. The property is in Average functional condition and has not been impacted by external depreciation. Per the Property Condition Disclosure and XXXX Listing XXXX, the sellers, XXXX and XXXX XXXX, purchased and gained title of this unoccupied foreclosure property in XX/XX/2019. The XXXX completed a full interior and exterior renovation on the subject property that aligns with rating C2 noted in the addendum on page 7 and Remodeled level of updating classification in XXXX XXXX Selling Guide Section B4-1.3-06. \n\nThe quality rating and definition of Q3 noted on the UAD Definitions Addendum on page 7 is inconsistent with the definition of rating Q3 and aligns with rating Q2 noted in the addendum on page 7.\n\n4. Amenities and Garage/Carport- The selections noted in the report are inconsistent with the Subject portion of the Sales Comparison Approach section on page 2 that indicates the Porch/Patio/Deck section as Porch/Patio, No. In addition, it is inconsistent with the Additional Comments section on page 3 states, A 1.0 story detached single-family house wit 2,318 above-grade finished square feet and 0 above grade unfinished square feet with a utility / storage room. In addition, the property includes a deck, patio, porch and a 2 car  carport. \n\n5. Sales Comparison Approach : The miles noted in the Proximity to Subject section on page 3 and the Location Map Addendum on page 19 are inconsistent with miles verified by XXXXt. \n\n6. Cost Approach to Value : The following comment is inconsistent with the facts of this transaction, it should be noted that VA does not require the cost approach to value. The zoning information was derived from the local government via of a telephone call during the development process. Estimated Remaining Economic Life-HUD and VA only- 25 Years. Per review of Abbreviations Used in Data Standardization Text on page 8, VA stands for Veterans Administration. The borrower has no affiliation with the military in any capacity that warrants the Veterans Administration. \n\nThe following clarification requests were submitted to the lender and appraiser.\n\n1. Site Section : Borrower questions validity of following comment documented in the report, The site dimensions were derived from the local tax assessor 's office. The dimensions are approximated and were the best data available in the normal course of business. I wasn't provided with a survey to verify dimensions. The Sales Comparison Approach section on page 2 and Sketch Addendum on page 21 notes a square footage of 2,318 for the subject property. \n\nThe Building Info section of the XXXX County MS Landroll Detail note the Base Area for the property at 2,243 sq. ft. and the Adjusted Area at 2,469 sq. ft. Square footage on property noted at 2,243 in  the XXXX system. The square footage noted in the Sketch Addendum supersedes both Tax and XXXX  records. \n\nIn closing, I humbly request either of the following solutions : 1. Require the lender to dismiss the appraisal report and conduct an independent appraisal. 2. Perform an in-house evaluation within 3-5 business days since the transaction value is only {$190000.00} or 3. Require the appraiser to submit a revision to report to apply all missing updates to the value of the property. I have already spent hundreds of closing costs regarding this property and it will be unfair to suffer the loss due to deceptive banking practices. I appreciate your time and consideration.","date_sent_to_company":"2019-08-07T20:47:49.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3333127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-08-07T20:31:55.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["An appraisal was conducted on <em>XX/XX</em>/2019 and the <em>report</em> was provided to me on XX/XX/<em>XXXX</em>. An official appraisal <em>dispute</em> notice, <em>XXXX</em> <em>XXXX</em> Selling Guide, <em>property</em> condition disclosure, purchase agreement, accepted seller repairs, inspection <em>report</em>, subject <em>property</em> <em>XXXX</em> listings, pre and post renovation photos of the <em>property</em>, comparable sales proximity <em>information</em>, 2 proposed comparable <em>properties</em> and the county Landroll detail were submitted with my <em>dispute</em>."]},"sort":[12.763365,"3333127"]},{"_index":"complaint-public-v1","_id":"9398065","_score":12.704776,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute an inaccurate rent collection reported by XXXX XXXX XXXX and subsequently reflected on my credit report. The property in question is located at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which my spouse and I rented from XX/XX/XXXX to XX/XX/XXXX. In the summer of XXXX, I received an eviction notice addressed to an individual other than myself for the property we previously rented. It has come to my attention that this eviction notice pertains to the residents who occupied the property after our lease ended. Despite this, a rental collection of {$24000.00} has been incorrectly placed on my credit report. I kindly request that this matter be investigated thoroughly and remove the erroneous rent collection from my credit report. This error has had a significant negative impact on my credit score, and has currently kept me from being able to rent an apartment. It is crucial that it be corrected as soon as possible. \n\nI have been unsuccessful in initiating a discussion with XXXX due to there being no contact information apart from a general customer service line. However, I successfully communicated with Rent Debt Automated Collections, the collection agency involved. During our conversation, I was informed that they are unable to provide an update on the matter due to an ongoing dispute regarding the file. When I inquired about the expected timeline for resolution, Rent Debt indicated that the duration hinges on XXXX 's response timeframe. It's important to note that I have not received any written documentation pertaining to this collection.","date_sent_to_company":"2024-07-01T22:09:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"30312","tags":null,"has_narrative":true,"complaint_id":"9398065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RentDebt Automated Collections, LLC","date_received":"2024-07-01T21:25:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> an inaccurate rent collection <em>reported</em> by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and subsequently reflected on my <em>credit</em> <em>report</em>. The <em>property</em> in question is located at XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, GA <em>XXXX</em>, which my spouse and I rented from XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em>. In the summer of <em>XXXX</em>, I received an eviction notice addressed to an individual other than myself for the <em>property</em> we previously rented."]},"sort":[12.704776,"9398065"]},{"_index":"complaint-public-v1","_id":"18390683","_score":12.701622,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the above-referenced collection account that Credence Resource Management recently reported to XXXX on or about XXXX XXXX XXXX \n\nThis account is being reported in error and is not valid. \n\nI never entered into a lease agreement with XXXX XXXX XXXX nor did I ever take possession of, occupy, or assume financial responsibility for any apartment unit with this property. The only interaction I had with this property was an application submission, and the application fee associated with that submission was refunded to me in full. \n\nAfter discovering this collection on my credit report, I contacted the apartment complex directly. I was informed that this account should not be reported as a collection and that the balance is invalid, as no lease or contractual obligation ever existed. \n\nBecause no lease agreement was executed and no debt was owed, Credence Resource Management has no legal basis to report this account. \n\nUnder the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), furnishers of information are required to ensure maximum possible accuracy and to conduct a reasonable investigation once a dispute is raised. Reporting an account for which no legal obligation exists constitutes inaccurate and unverifiable reporting.","date_sent_to_company":"2025-12-31T07:33:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"76119","tags":null,"has_narrative":true,"complaint_id":"18390683","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2025-12-31T07:16:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> the above-referenced collection account that Credence Resource Management recently <em>reported</em> to <em>XXXX</em> on or about <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n\nThis account is being <em>reported</em> in <em>error</em> and is not valid. \n\nI never entered into a lease agreement with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> nor did I ever take possession of, occupy, or assume financial responsibility for any apartment unit with this <em>property</em>."]},"sort":[12.701622,"18390683"]},{"_index":"complaint-public-v1","_id":"9646516","_score":12.700244,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - Submit LexisNexis Consumer Report dispute and LexisNexis State Disclosure dispute via online portal. Case Number : XXXX Both reports contain fraudulent and incorrect name, address, phone, business association, email, marketing, property deed, insurance, inquiry, digital idenitty, and ID analytics records. \n\nProof of identity - passport, and proof of address - utility bill, were provided. \n\nXXXX LexisNexis email response - refual to process dispute, request additional proof of identity. \n\nProof of identity and address were previously provided, I am not required to provide any additional documentation for the dispute to be processed. \n\nCalifornia Privacy Act and Fair Credit Reporting Act require LexisNexis to process the dispute and remove the errors and fraudulent information.","date_sent_to_company":"2024-07-29T22:23:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94110","tags":null,"has_narrative":true,"complaint_id":"9646516","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-07-29T22:03:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Proof of identity and address were previously provided, I am not required to provide any additional documentation for the <em>dispute</em> to be processed. \n\nCalifornia Privacy Act and Fair <em>Credit</em> <em>Reporting</em> Act require LexisNexis to process the <em>dispute</em> and remove the <em>errors</em> and fraudulent <em>information</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.700244,"9646516"]},{"_index":"complaint-public-v1","_id":"21684069","_score":12.675966,"_source":{"product":"Mortgage","complaint_what_happened":"Newrez incorrectly treated my occupied, maintained property as vacant or subject to property preservation activity. Newrez representatives admitted by phone that this was Newrezs mistake. Newrez later sent me a written response dated XX/XX/year> confirming that the property inspection reflected the property as occupied, not vacant or abandoned, and that Newrez had suspended property preservation activities, including inspections, entry, lock changes, winterization, and similar actions.\n\nHowever, Newrezs response did not fully correct the servicing/account issue. The letter states that, as of XX/XX/year>, my loan was next due for the XX/XX/year> installment of {$3000.00} and that there was an other fee balance of {$30.00}. This appears incorrect and inconsistent with Newrezs own online account, which shows that my XX/XX/year> payment of {$3000.00} was received and that the next recurring monthly payment of {$3000.00} is scheduled for XX/XX/year>. \n\nThe {$30.00} fee appears to be a property inspection fee resulting from Newrezs mistaken occupancy/property-preservation determination. I dispute this fee. I am also concerned that Newrezs systems may still show an incorrect delinquency status or may report negative information to credit reporting agencies because of Newrezs error.\n\nI am requesting that Newrez provide a written correction confirming that : ( 1 ) my loan is current and not delinquent ; ( 2 ) no amount is past due ; ( 3 ) the XX/XX/XXXX letters statement that the loan was next due for XX/XX/year> was incorrect ; ( 4 ) the {$30.00} property inspection/other fee balance has been reversed or waived and will not be collected from me ; ( 5 ) my XX/XX/year> automatic payment will be only the regular {$3000.00} payment unless I separately authorize another amount ; and ( 6 ) Newrez has not reported any delinquency or negative information to any credit reporting agency related to this issue, or if it has, that Newrez will correct it immediately.","date_sent_to_company":"2026-04-28T21:25:48.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"63130","tags":null,"has_narrative":true,"complaint_id":"21684069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-04-28T21:10:38.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["The {$30.00} fee appears to be a <em>property</em> inspection fee resulting from Newrezs mistaken occupancy/<em>property</em>-preservation determination. I <em>dispute</em> this fee. I am also concerned that Newrezs systems may still show an incorrect delinquency status or may <em>report</em> negative <em>information</em> to <em>credit</em> <em>reporting</em> agencies because of Newrezs <em>error</em>."]},"sort":[12.675966,"21684069"]},{"_index":"complaint-public-v1","_id":"5056584","_score":12.638092,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Sirs, On XX/XX/XXXX I sold my property. The mortgage company, Midland Mortgage reported the mortgage paid in full to the VA on XX/XX/XXXX. On XX/XX/XXXX Midland Mortgage reported my account as delinquent. I have contacted them several times with no relief. \nThey have acknowledged the mistake and their error in reporting the erroneous information. What they lack is the desire to correct it. \nI contacted the credit bureaus an filed a dispute in an attempt to correct this matter and resolve this matter but haven't received a judgment as of yet. I would appreciate your assistance in getting this matter resolved.","date_sent_to_company":"2021-12-30T20:12:24.000Z","issue":"Incorrect information on your report","sub_product":"VA mortgage","zip_code":"442XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5056584","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2021-12-30T19:49:08.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear Sirs, On XX/XX/<em>XXXX</em> I sold my <em>property</em>. The mortgage company, Midland Mortgage <em>reported</em> the mortgage paid in full to the VA on XX/XX/<em>XXXX</em>. On XX/XX/<em>XXXX</em> Midland Mortgage <em>reported</em> my account as delinquent. I have contacted them several times with no relief. \nThey have acknowledged the mistake and their <em>error</em> in <em>reporting</em> the erroneous <em>information</em>. What they lack is the desire to correct it."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[12.638092,"5056584"]},{"_index":"complaint-public-v1","_id":"16967206","_score":12.569143,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because XXXX and XXXX has erroneously reported a fully paid balance to a collections agency, and they have failed to take corrective action despite repeated notification and provision of evidence. \n\nDetailed Chronology of Events Date of Payment/Confirmation : XX/XX/year>XXXX  I was contacted by the Property Manager who confirmed that the previously disputed/erroneous charges on my account had been removed from the ledger. \n\nImmediately upon this confirmation, I submitted the full outstanding balance of {$570.00} using my XXXX credit card. \n\nI confirmed that the {$570.00} payment successfully posted to my XXXX account and was confirmed by the property 's ledger. \n\nAll were confirmed on XX/XX/year>. \n\nDespite the payment being confirmed and posted, I began receiving notifications of a past-due balance. \n\nI called the property staff, and while I was on the phone, a staff member located the correct charge/payment and confirmed they had electronically forwarded this information to the internal billing department for correction. \n\nOngoing Harassment/Non-Resolution : The incorrect billing continued, resulting in the repeated issuance of \" Final Notices. '' Each time, I was forced to call the office, reiterate the facts, and walk staff through the evidence of payment. \n\nThis repeated, documented failure to correct a confirmed error constitutes harassment and persistent incorrect billing regarding a closed obligation. \n\nThe property management company has now, in error, referred this fully-paid balance to a collections agency COLUMBIA DEBT RECOVERY LLC DBA GENESIS The property management staff now refuses to communicate with me to resolve this issue, citing the transfer to collections. And I have still yet to hear back from the collection agency themselves with this matter. \n\nAttempted Resolution : I have provided the following documentation to XXXX and XXXX and directly to the Collections Agency : Screenshots/statements confirming the {$570.00} payment posted successfully on XX/XX/year>. \n\nI have requested a follow-up from the Property Manager on four separate occasions since the collections referral, and I have received no response to any of these messages.","date_sent_to_company":"2025-11-01T15:13:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"98052","tags":null,"has_narrative":true,"complaint_id":"16967206","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-11-01T14:22:42.000Z","state":"WA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I am filing this complaint because <em>XXXX</em> and <em>XXXX</em> has erroneously <em>reported</em> a fully paid balance to a collections agency, and they have failed to take corrective action despite repeated notification and provision of evidence. \n\nDetailed Chronology of Events Date of Payment/Confirmation : XX/XX/year><em>XXXX</em>  I was contacted by the <em>Property</em> Manager who confirmed that the previously <em>disputed</em>/erroneous charges on my account had been removed from the ledger."]},"sort":[12.569143,"16967206"]},{"_index":"complaint-public-v1","_id":"6924426","_score":12.5541935,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM. XXXX Wednesday, XX/XX/XXXX Via CFPB and certified mail to address below Narionstar, aka Mr.Cooper Debt collector Notice Of Error/Request For Information, Including notices of error, complaints, requests for information, or other qualified written requests Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account number for debt XXXX Dear Mr Cooper and XXXX XXXX ( debt collector attorney ), My name is XXXX XXXX XXXX and I am responding to your contact about collecting a debt. You contacted me by email on and unidentified the debt as belonging to a third party and that is 100 payments ( 8 years ) behind as the date of dischargeor that there is a second loan dated XXXX. \nI do not have any responsibility for the debt youre trying to collect. I owned the property in XXXX and the current owner is XXXX XXXX, a XXXX XXXX. She did not authorize or sought a second mortgage or line of credit loan in XXXX from Mr Cooper on the property she owns since XXXX. Any loans should check title. \nIf you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. \nStop all intimidation efforts to obligate me on debts of a third party, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or sell it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Any attempts to collect from my social security funds, XXXX funds or real estate property on an uncollectible stale or wrongful debt would be against FDCPA. \nStop all communication of your client and/or you with my employers, family members for collection of this debt. Any damages suffered to my job are a direct effect of your collection efforts against FDCPA. \nThank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX","date_sent_to_company":"2023-06-08T19:20:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"87120","tags":"Servicemember","has_narrative":true,"complaint_id":"6924426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-05-03T10:17:40.000Z","state":"NM","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Stop all intimidation efforts to obligate me on debts of a third party, and record that I <em>dispute</em> having any obligation for this debt. If you stop your collection of this debt, and forward or sell it to another company, please indicate to them that it is <em>disputed</em>. If you <em>report</em> it to a <em>credit</em> bureau ( or have already done so ), also <em>report</em> that the debt is <em>disputed</em>."]},"sort":[12.5541935,"6924426"]},{"_index":"complaint-public-v1","_id":"1414739","_score":12.546488,"_source":{"product":"Mortgage","complaint_what_happened":"My complain is against the Banco Santander of XXXX XXXX, Puerto Rico. The Bank made a mistake in their systems and sent incorrect information to the credit bureau 's agencies, XXXX, XXXX, XXXX and XXXX. Since XXXX XXXX 2004 I have a mortgage loan with Banco Santander from which I was and I 'm the primary loan owner. All my credit history was reflected in my credit reports for the past eleven years until a recently. A change was made in the mortgage loan account to remove my ex-husband from the account ( as agreed on the divorce settlements and court ). \" Apparently '', a mistake was made by the bank were their systems sent the incorrect information to the credit agencies and all my eleven years of credit history were eliminated and transferred to someone else. During the process to open a dispute with XXXX and XXXX to correct the error made by the bank, I learned that they transferred my credit history to someone else ( apparently my ex-husband ) by the instructions or information received from the bank. I contacted the back to inform them about the error and to open a dispute to restore my credit history and to reflect my current balance due in the credit reports. Today, the bank has not yet contacted any credit agency to correct the error. All my credit history was deleted from the Transunion data systems and even do I sent them evidence to prove that I 'm the owner of the account they ca n't restore the data until the bank resubmit my credit history. My mortgage loan payments and history are now reflecting in someone else report and since the error occurred ( close to 2 months ago ) every payment I made to my loan y going thrust someone else credit account. I need your help to restored my eleven years or credit history in my credit report and to reflect accurate data which includes current amount due and the payments history. I have all the necessary evidence to prove that I 'm the owner or the loan and the property in question. I 'm afraid this could be a security breach or something done intentionally to favor someone else that has not rights over the loan, the credit history or the property purchased with this loan. I 'm concern that the bank is not taking the necessary measure to contact the credit agencies and fix the issue. None of the process issues to report listed in your first question of this complain is applicable to the issue that I 'm complaining about.","date_sent_to_company":"2015-06-10T17:39:43.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"35758","tags":null,"has_narrative":true,"complaint_id":"1414739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER BANCORP","date_received":"2015-06-10T17:39:41.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["During the process to open a <em>dispute</em> with <em>XXXX</em> and <em>XXXX</em> to correct the <em>error</em> made by the bank, I learned that they transferred my <em>credit</em> history to someone else ( apparently my ex-husband ) by the instructions or <em>information</em> received from the bank. I contacted the back to inform them about the <em>error</em> and to open a <em>dispute</em> to restore my <em>credit</em> history and to reflect my current balance due in the <em>credit</em> <em>reports</em>. Today, the bank has not yet contacted any <em>credit</em> agency to correct the <em>error</em>."]},"sort":[12.546488,"1414739"]},{"_index":"complaint-public-v1","_id":"1548332","_score":12.518113,"_source":{"product":"Credit reporting","complaint_what_happened":"I was notified that by my credit monitoring service that a company named XXXX XXXX XXXX XXXX obtained a copy of my credit report from Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I provided XXXX XXXX XXXX formal notice of dispute and request to cease unauthorized inquiries into my credit report. In my dispute I notified XXXX XXXX XXXX the debt purchased by XXXX XXXX XXXX XXXX, whom they obtained the credit report for, was discharged in Federal Bankruptcy Court ( XX/XX/XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( XXXX ). I have no legal ownership interest in the property which they are attempting to collect. As a result of my dispute, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have acknowledged they obtained my credit report in error and contacted Equifax via telephone and mail correspondence to request they remove the errant record of the inquiries. Equifax refused to remove the inquiries. \nI have also contacted Equifax via letter of dispute dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. I also contacted Equifax via telephone on XXXX XXXX and XXXX, XXXX. Equifax has repeatedly refused to remove the inquiries and denied my disputes. In addition to mail and telephone disputes I faxed Equifax documents ( Bankruptcy Discharge Order, Property Deed, XXXX XXXX request to remove inquiries ) supporting the inquiries were made in error. During a phone conversation with Equifax supervisor, \" XXXX '' I notified her the debt in which the inquiries were linked had been discharged in a federal bankruptcy proceeding. Supervisor XXXX acknowledged she had received the discharge order and request to remove the inquiries but refused to remove the inquiries. XXXX XXXX XXXX has been unable to utilize Equifax 's Rapid Resolve system to remove the inquiries and all efforts ( phone, mail, electronic ) to have Equifax remove the inquiries have failed. \nEquifax has acknowledged XXXX XXXX XXXX notice of errant inquiry, have reasonable knowledge the inquiries were made in error and violate Federal Bankruptcy Protections afforded me but refuse to remove the errant inquiries. It is my assertion Equifax has been provided sufficient documentation to support the information they are reporting is incorrect and are required to remove the errant inquiries.","date_sent_to_company":"2015-09-02T17:23:59.000Z","issue":"Improper use of my credit report","sub_product":null,"zip_code":"80109","tags":null,"has_narrative":true,"complaint_id":"1548332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-09-02T17:23:58.000Z","state":"CO","company_public_response":null,"sub_issue":"Report improperly shared by CRC"},"highlight":{"complaint_what_happened":["In my <em>dispute</em> I notified <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> the debt purchased by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, whom they obtained the <em>credit</em> <em>report</em> for, was discharged in Federal Bankruptcy Court ( XX/XX/<em>XXXX</em> ) and any attempts at collection ; including <em>credit</em> <em>report</em> inquiries is a violation of Fair Debt Collection Practices and Fair <em>Credit</em> <em>Reporting</em> Act ( <em>XXXX</em> ). I have no legal ownership interest in the <em>property</em> which they are attempting to collect."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["Improper use of my <em>credit</em> <em>report</em>"],"sub_issue":["<em>Report</em> improperly shared by CRC"]},"sort":[12.518113,"1548332"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1376,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1376}]}},"product":{"doc_count":1376,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":676,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":669},{"key":"Other personal consumer report","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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