{"took":175,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":155,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13114261","_score":17.728634,"_source":{"product":"Student loan","complaint_what_happened":"My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.\n\nDOGE accessed my private data through the Department of Education. \n\nI also attended XXXXXXXX XXXX  and below is the lawsuit that is filed through them. \n\nXXXX 's Actions : XXXX, the parent company of several for-profit schools including XXXXXXXX XXXX , was accused of using illegal recruitment tactics, including paying recruiters based on the number of students enrolled, which is against federal regulations.\n\nImpact on Students : These fraudulent recruitment practices led to students potentially being enrolled in programs that weren't a good fit for them, increasing the likelihood of default on their student loans. \nLoan Relief : As a result of the lawsuits, approximately XXXX former students of XXXX 's schools, including XXXX XXXX, were potentially eligible for loan relief, which could include loan forgiveness or reduction. \nSettlement : XXXX was required to pay a significant sum to settle the lawsuits, which was then used to provide relief to eligible students.","date_sent_to_company":"2025-04-22T17:33:31.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"317XX","tags":null,"has_narrative":true,"complaint_id":"13114261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-22T17:28:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["Loan Relief : As a result of the <em>lawsuits</em>, approximately XXXX former students of XXXX 's schools, including XXXX XXXX, <em>were</em> potentially eligible for loan relief, <em>which</em> could include loan forgiveness or reduction. \nSettlement : XXXX was required to pay a significant sum to settle the <em>lawsuits</em>, <em>which</em> was then used to provide relief to eligible students."]},"sort":[17.728634,"13114261"]},{"_index":"complaint-public-v1","_id":"3661791","_score":14.981624,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have two residential home loans with Wells Fargo Home Mortgage. Loan # XXXX which has now been converted to # XXXX and Loan # XXXX which has now been converted to # XXXX. \nWells Fargo falsely reported derogatorily 5 late payments on my Credit Report for nearly 5 years! In XXXX, I began appealing in XXXX to Wells Fargo regarding this derogatory late payment reports to be removed from my credit reporting. In the letters attached from Wells Fargo representative XXXX XXXX, dated XX/XX/XXXX, representations were made that these derogatory remarks would be removed. \nPrior to this false late payment credit reporting by Wells Fargo, my FICO scores were in the low 800s and I had not had one single derogatory credit reporting in over 30 years! Since this false late payment credit reporting by Wells Fargo, my FICO scores have plummeted into the 600s! \nThis false credit reporting by Wells Fargo caused me to be denied credit several times, be charged higher interest rates and I have been unable to refinance my home to a lower interest rate! \nXXXX XXXX XXXX XXXX XXXX Thursday, XX/XX/XXXX A federal judge has refused to throw out a lawsuit by borrowers who claim that their banks wrongfully notified credit reporting agencies that thousands of home owners had gone through bankruptcies or foreclosures. The judge said that Wells Fargo and XXXX will have to face accusations in court from borrowers who accuse the banks of allegedly providing inaccurate information to a credit reporting agency and jeopardizing consumers ' ability to get new loans. A spokesman for XXXX denied the allegations, and a spokesman for Wells Fargo had not yet responded to media calls for comment. The lawsuit, filed by borrowers, alleges reporting inaccuracies to credit-reporting agency XXXX  after borrowers sold their homes in a short sale. A group of mortgage customers from XXXX and Wells Fargo are accusing the banks of failing to report the transactions as short sales to XXXX  but instead reporting them as foreclosures or bankruptcies. They also allege in the lawsuit that the banks failed to correct the reports when they were disputed and that the inaccurate reporting greatly impacted borrowers ' credit scores. XXXX  was also named as a defendant in the lawsuit, accused by borrowers of failing to properly investigate when borrowers complained. \nSource : XXXX, Wells Lose Bid to End Lawsuit Over Credit Reports, XXXX ( XXXX, XXXX, XXXX","date_sent_to_company":"2020-05-21T05:59:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92673","tags":null,"has_narrative":true,"complaint_id":"3661791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-05-21T01:48:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They also allege in the <em>lawsuit</em> that the banks failed to correct the reports when they <em>were</em> disputed and that the inaccurate reporting greatly impacted borrowers ' credit scores. XXXX  was also named as a defendant in the <em>lawsuit</em>, <em>accused</em> by borrowers of failing to properly investigate when borrowers complained. \nSource : XXXX, Wells Lose Bid to End <em>Lawsuit</em> Over Credit Reports, XXXX ( XXXX, XXXX, XXXX"]},"sort":[14.981624,"3661791"]},{"_index":"complaint-public-v1","_id":"14199169","_score":14.546587,"_source":{"product":"Debt or credit management","complaint_what_happened":"In XXXX, I served with a lawsuit from Portfolio Recovery Associates, due to my ignorance of the scope of the Legalities of Debt collection. I took Portfolio Recovery Associates for their word and entered a settlement with them. \nXXXX I was notified of the then violation brought to Portfolio Recovery Associates from CFPB for Illegal Debt Recovery Practices. \nOpen my own personal research of the Company and inform myself with the CFPB. I've learned that there were several steps I should've taken before entering a settlement with Portfolio Recovery Associates. I should've asked for a debt validation letter. To ensure that I wasn't one of the many people Portfolio Recovery Associates were accused of using illegal recovery practices. \nIn XXXX, I asked Portfolio Recovery Associates for these documents of proof and instead was met with a request for judgment against me filed in XX/XX/XXXX. \nAs of today, Portfolio Recovery Associates claims that I owe them {$510.00} of {$1200.00} to which I paid {$750.00}. \nI request the formal proof of debt validation letter from Portfolio Recovery Associates, before any future payments. Due to their history, I'm inclined to believe I've been taken advantage of.","date_sent_to_company":"2025-06-20T14:29:12.000Z","issue":"Problem with customer service","sub_product":"Debt settlement","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"14199169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-06-20T13:59:20.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I've learned that there <em>were</em> several steps I should've taken before entering a settlement with Portfolio Recovery Associates. I should've asked for a debt validation letter. To ensure that I wasn't one of the many people Portfolio Recovery Associates <em>were</em> <em>accused</em> of using illegal recovery practices. \nIn XXXX, I asked Portfolio Recovery Associates for these documents of proof and instead was met with a request for judgment against me filed in XX/XX/XXXX."]},"sort":[14.546587,"14199169"]},{"_index":"complaint-public-v1","_id":"7000351","_score":14.184343,"_source":{"product":"Debt collection","complaint_what_happened":"on XX/XX/XXXX we filed for XXXX  XXXX bankruptcy Navient removed the debt from my credit report after the filing meeting of creditors was on XX/XX/XXXX, there were no objections raised by any creditors whatsoever. none even attended the call my credit report stays blank all thru XXXX and XXXX bankruptcy was discharged on XX/XX/XXXX with no contests or any exceptions whatsoever case number XXXX on XX/XX/XXXX or shortly thereafter, Navient re-listed the debt on my credit report, sent me a demand for payment, and began charging me interest and late fees this is a private student loan that was found to be predatory in nature. the loan is involved in a federal lawsuit AGAINST Navient for being unfair, and calling for it's discharge this debt should not be collected upon. it is a student loan for XXXX XXXX XXXX, which was found in federal court to have defrauded attendees and borrowers of federally backed student loans. \n\nthe money was loaned to me by Navient, a company accused in federal court of defrauding and misleading me and thousands of others and trapping them in these private loans unfairly and with known collaboration with the education institutions to hike the prices and make the common person foot the bill","date_sent_to_company":"2023-05-19T18:03:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"46260","tags":null,"has_narrative":true,"complaint_id":"7000351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2023-05-19T17:40:07.000Z","state":"IN","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["payment, and began charging me interest and late fees this is a private student loan that was found to be predatory in nature. the loan is involved in a federal <em>lawsuit</em> AGAINST Navient for being unfair, and calling for it's discharge this debt should not be collected upon. it is a student loan for XXXX XXXX XXXX, <em>which</em> was found in federal court to have defrauded attendees and borrowers of federally backed student loans."]},"sort":[14.184343,"7000351"]},{"_index":"complaint-public-v1","_id":"2915888","_score":14.125298,"_source":{"product":"Checking or savings account","complaint_what_happened":"I made a deposit to my account on XX/XX/XXXX at a pnc atm for {$7500.00}. I then received a notice that the deposit was being held because the check appeared altered. I did not write on nor alter the check, I was told that I was attempting fraud on the account and that's why it was being held until XX/XX/XXXX. I checked my account on XX/XX/XXXX to see if the funds were in fact released, I was then transferred to XXXX in the loss avoidance department who proceeded to tell me that the hold was on the funds until XX/XX/XXXX. I asked her if it was customary to hold a check for 6 weeks, to which she told me yes, if the check appears to be fraud. I stated that she is accusing me of fraud. She also stated that if I had a problem with the check I should reach out to my bank. I advised her that PNC is my bank and I am reaching out to you. She then hung up the phone on me. I have called in to the customer service department several times regarding this check, I was told by one loss avoidance associate that if I provided the number to verify the check that it would be cleared. I did that and was told the number was unacceptable. The check is from a lawsuit that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be accused of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on. Also, if I am being accused of altering the original check why wasn't the original requested to be sent from the branch to loss avoidance so that it could be seen in person. I have also deposited a separate check from the settlement drawn from the same bank which PNC cleared. I have not received a separate letter for the 6 week hold. I requested my check be returned to me and was told that it could not be returned.","date_sent_to_company":"2018-05-23T18:26:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07083","tags":null,"has_narrative":true,"complaint_id":"2915888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2018-05-23T18:08:52.000Z","state":"NJ","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The check is from a <em>lawsuit</em> that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be <em>accused</em> of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on."]},"sort":[14.125298,"2915888"]},{"_index":"complaint-public-v1","_id":"2939338","_score":13.499725,"_source":{"product":"Student loan","complaint_what_happened":"University of XXXX Student Loan Forgiveness Student Loan Forgiveness, Refunds & Relief Programs for University of XXXX Students Ive got great news for XXXX students ; in 2018, its not just possible, but easy to qualify for University of XXXX loan forgiveness benefits via the Borrowers Defense Against Repayment Program. \n\nWhy? Because XXXX has been accused of committing all sorts of fraudulent activities, violating both State and Federal laws, and essentially running a huge scam operation to extract money from not just individual Americans, but also the Federal Government, and even the Defense Department ( via military student loans ). \n\nThis post will explain how you can use the Borrowers Defense Against Repayment Program to cash in on University of XXXX student loan forgiveness benefits, wiping out your XXXX student loan debt for good, and potentially even getting a refund for any money youve already paid XXXX or their parent company, the XXXX XXXX XXXX. \n\n\n\n\nBut Before We Get Into It Let me offer you a short-cut to getting your loans dischargeds : instead of spending the next hour or two reading this post, checking out other pages of my site, and frantically XXXX  for additional details, try calling the Student Loan Relief Helpline instead. \n\nWhy? Because just 5-10 minutes of talking to the Helpline staff will let you determine whether or not you actually qualify for a Borrowers Defense Discharge, saving you a ton of time and stress, because determining this on your own is a complicated process that requires a lot of research. \n\nThe Student Loan Relief Helpline can even help you fill out all the Borrowers Defense Against Repayment paperwork, ensuring that you complete everything correctly, and increasing the chances that your application will be approved for a loan discharge. \n\nYour first call to the Helpline is free, and youll only be charged if you agree to let them work on your case for you, so youve got nothing to lose but a few minutes of your time. \n\nTo get help discharging your University of XXXX loans, call the Student Loan Relief Helpline now at XXXX. \n\n\n\nHow Can I Use Borrowers Defense to Discharge XXXX  Loans? \nUnder the Borrowers Defense law, youre able to discharge student loans that were taken out to attend a school who committed fraud by doing something, or failing to do something, like misrepresenting their services, or violating some other state law related to your loans or related to the education services that they provided you. \n\nIn the case of University of XXXX, its pretty clear what you need to do, which is to file a Borrowers Defense Against Repayment Application stating that XXXX defrauded you by convincing you to take out student loans to pay for their higher education programs because they falsely advertised inflated graduation rates and job placement stats. \n\nEssentially, youll be accusing the school of false advertising, in that youre saying you wouldnt have attended the school ( and thus never would have borrowed the student loans ), had you known that University of XXXX graduation rates and job placement rates were actually much lower than those that they advertised. \n\nThe really good news is that if your application is approved, your entire University of XXXX loan will be forgiven, and you may even qualify for a refund for any amount of money that you have already paid to the school or their parent company, the XXXX XXXX XXXX. \n\n\n\n\nHow to Support Your Borrowers Defense Claim When you file your Borrowers Defense claim, you need to make it very clear that youre suggesting the Department of Education provide forgiveness benefits for your University XXXX XXXX loans because they were only taken out in the first place thanks to the schools illegal activity. \n\nIn other words, you need to clearly state that you never would have borrowed the money if the school hadnt lied to you about something, or tricked you in some way, or made some sort of false promise that they didnt, or couldnt deliver on. \n\nPay close attention to this point, because its the most important of this entire post : in your application, you will need to clearly explain exactly what the school did to defraud you, otherwise youll be denied the discharge and will have to continue making payments toward your outstanding loan balance. \n\nRead through the options below to see which one of these things University XXXX XXXX is accused of doing fits best with your specific situation, and then use that as your argument for why you deserve a discharge in your application. \n\n\n\n\n\nXXXX is accused of some pretty terrible stuff, and the details of their problems emerged after a Whistleblower lawsuit from XXXX parent company, XXXX XXXX XXXX, became public knowledge when XXXX revealed details of the lawsuit in an SEC filing ( which tanked their stock, btw ). \n\nUniversity XXXX XXXX has been accused of submitting false information about its student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive. \n\nfalse advertising behavior related to inflating graduation and job finding rates, because those seem like the things most likely to convince someone to take out loans for attending XXXX.","date_sent_to_company":"2018-06-19T14:08:44.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"2939338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2018-06-18T22:27:19.000Z","state":"MO","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["XXXX is <em>accused</em> of some pretty terrible stuff, and the details of their problems emerged after a Whistleblower <em>lawsuit</em> from XXXX parent company, XXXX XXXX XXXX, became public knowledge when XXXX revealed details of the <em>lawsuit</em> in an SEC filing ( <em>which</em> tanked their stock, btw )."]},"sort":[13.499725,"2939338"]},{"_index":"complaint-public-v1","_id":"2663932","_score":13.076806,"_source":{"product":"Student loan","complaint_what_happened":"Navient services both my private and federal loans and make no attempt to actually help me. I have to put my loan on hold because Navient denied my application for income based repayment even though my wife lost her job last year and has yet to get a job. Navient, however, continues to collect principle/interest even though I make some form of payments. Additionally, Navient can not produce loan documents since these documents were lost that I even have a loan. Navient also uses tactics such as lost documents, delayed approval of income or forbearance applications. One tactic in general is Navient will not allow you to apply for multiple programs once you enter a deferment. In other words and as an example, my wife lost her job last year, I can not afford the payments, yet I was denied an income based loan three days after I started collecting principle on a defaulted loan. Navient had my application 3 months prior to the income based renewal, they said they lost the paper work, Really, its digital ; how can you loose that? I also feel I was lied to by XXXX on the degree I received, which by the way is also involved in class action lawsuits based on predator loans and false promises. I respect I am contractually bond to my XXXX/Navient loan, however, when this degree and loan is based on a lie and Navient makes no attempt to do the right thing and help borrowers. Then this loan/contract is null because Navient exploits the loan and the borrowers. How can the Government or CFPB allow Navient to compound interest and principle while harassing thee borrower and not helping the borrowers when he or she can not make the payments due to life changing events? My loans have doubled because of tactics Navient is accused of and Navient cant even produce a copy of my loans. \nAt this point I either have to fully default or hire an attorney because Navient only wants to take advantage of borrowers rather then help them using thee same tactics as XXXX XXXX XXXX with home loans. \nFinally, Navient has 7 personal lawsuits related to this complaint along with a class action lawsuits, one from cfpb I believe. I am asking the public, cfpb and anyone else reading this complaint that I am fully willing to join any private or class action lawsuit and to contact me at XXXXXXXXXXXX Thanks, XXXX","date_sent_to_company":"2017-09-10T16:12:09.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"85233","tags":null,"has_narrative":true,"complaint_id":"2663932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-09-10T14:52:33.000Z","state":"AZ","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["My loans have doubled because of tactics Navient is <em>accused</em> of and Navient cant even produce a copy of my loans. \nAt this point I either have to fully default or hire an attorney because Navient only wants to take advantage of borrowers rather then help them using thee same tactics as XXXX XXXX XXXX with home loans. \nFinally, Navient has 7 personal <em>lawsuits</em> related to this complaint along with a class action <em>lawsuits</em>, one from cfpb I believe."]},"sort":[13.076806,"2663932"]},{"_index":"complaint-public-v1","_id":"12976501","_score":13.018824,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute my student loan debt and request full cancellation of my outstanding balance. This request is based on the violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of student education records, including personal and financial information.\n\nMy data was compromised and improperly disclosed, constituting a serious breach of FERPA. This violation not only undermines the legitimacy of the loan servicing process in my case but also contributes to the broader pattern of misconduct already established against XXXX. \n\nI am aware of the lawsuit filed against XXXX  by various state attorneys general and the Consumer Financial Protection Bureau, which accused the company of deceptive practices, including steering borrowers into costly forbearance, misrepresenting payment options, and failing to provide clear and accurate information. These findings further support my position that the management of my loans has been unlawful and unethical. \n\nRecently, I noticed a significant decrease in my credit scoreover XXXX pointsand upon reviewing my credit report, I discovered that my student loan account was reported in a misleading and inaccurate manner. \n\nI have been enrolled in an Income-Driven Repayment ( IDR ) plan for several years, which should not negatively impact my credit score. However, the account has been reported as if it was in default, which is false and does not reflect my current repayment status. As per the guidelines of the IDR plan, the loan should not be reported as negative on my credit report, but it has been, causing significant harm to my credit standing. \n\nIt appears that this misreporting is due to XXXX inaccurate reporting practices, and I believe this issue is tied to the ongoing legal matters involving XXXX, which were recently publicized.","date_sent_to_company":"2025-04-15T14:51:58.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"23224","tags":null,"has_narrative":true,"complaint_id":"12976501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-04-14T20:40:40.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It appears that this misreporting is due to XXXX inaccurate reporting practices, and I believe this issue is tied to the ongoing legal matters involving XXXX, <em>which</em> <em>were</em> recently publicized."]},"sort":[13.018824,"12976501"]},{"_index":"complaint-public-v1","_id":"3778180","_score":12.995919,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have an account with XXXX 's Credit and they did not send me a bill. \n\nIt is sent to Wells Fargo Bank N.A. when I write a check. \n\nMy first purchase was on XX/XX/2020 when I opened the account for {$750.00}. \n\nI paid the amount in full onXX/XX/2020 in the form of a check. \n\nI only receive paper statements from companies so that I can guarantee their honesty. \n\nIn XXXX I made another purchase for {$610.00} for which I never received a bill. \n\nWhen I went on-line to make a purchase in XXXX I was refused. I then went into my account with XXXX 's website and was denied access. So, I called the phone number on the back of the card and spoke with a rude representative who accused me of not paying my bill. I explained that I never received a bill or e-mail or phone call related to it. \n\nWhy would they not contact me for 2 months? \n\nThe representative told me I had switched to e-statements only. I told him I would never do that. I also informed him that if I were receiving e-statements then why did I not receive a notice via e-mail of a payment due. He had no answer. He also did not verify my e-mail address. \n\nWells Fargo just took {$610.00} from my Debit Card as payoff. Resolved? after I threatened to sue which would become a class-action lawsuit eventually. Wells Fargo obviously does not want any more negative publicity.","date_sent_to_company":"2020-08-12T21:18:13.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"82009","tags":"Servicemember","has_narrative":true,"complaint_id":"3778180","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-08-04T15:40:14.000Z","state":"WY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["I also informed him that if I <em>were</em> receiving e-statements then why did I not receive a notice via e-mail of a payment due. He had no answer. He also did not verify my e-mail address. \n\nWells Fargo just took {$610.00} from my Debit Card as payoff. Resolved? after I threatened to sue <em>which</em> would become a class-action <em>lawsuit</em> eventually. Wells Fargo obviously does not want any more negative publicity."]},"sort":[12.995919,"3778180"]},{"_index":"complaint-public-v1","_id":"16905647","_score":12.970763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that EXSPERIAN immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX XXXX  breach. \nDespite providing substantial proof, Experian continues to report these items and refuses to conduct a reasonable reinvestigation as required under FCRA 1681i. Their dispute results repeatedly state that the furnisher verified the information as accurate with no explanation or verification method provided, which violates 1681i ( a ) ( 6 ) ( B ) ( iii ) ( method of verification disclosure ). \n\nThis pattern mirrors the same behavior cited in the XXXX XX/XX/year> lawsuit against Experian, which accused the company of conducting sham investigations and failing to properly review or verify consumer disputes in violation of federal law. My experience clearly reflects the same disregard for FCRA procedures and consumer rights outlined in that case.\n\nI am requesting immediate CFPB investigation and enforcement action to ensure Experian fully complies with the Fair Credit Reporting Act, permanently removes the disputed fraudulent items, and provides written confirmation of compliance with 605B.","date_sent_to_company":"2025-10-29T12:11:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"40356","tags":null,"has_narrative":true,"complaint_id":"16905647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-29T11:55:58.000Z","state":"KY","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":["Their dispute results repeatedly state that the furnisher verified the information as accurate with no explanation or verification method provided, <em>which</em> violates 1681i ( a ) ( 6 ) ( B ) ( iii ) ( method of verification disclosure ). \n\nThis pattern mirrors the same behavior cited in the XXXX XX/XX/year> <em>lawsuit</em> against Experian, <em>which</em> <em>accused</em> the company of conducting sham investigations and failing to properly review or verify consumer disputes in violation of federal law."]},"sort":[12.970763,"16905647"]},{"_index":"complaint-public-v1","_id":"8938602","_score":12.841749,"_source":{"product":"Debt collection","complaint_what_happened":"This alleged debt collection of {$300.00} stems from a XXXX  visit from XXXX. \n\nOn XX/XX/XXXX, my wife was surpisingly served at her job a notice of a lawsuit for the alleged debt. \n\nOn XX/XX/XXXX, we have attempted by certified mail and telephone calls, requesting for the attorney of the collection agency to validate this for us. With all these attempts they have failed to validate the debt. \n\nToday being XX/XX/XXXX, being 30 days from our formal request to vaildate the debt, they have failed to send any information validating this alleged debt, also they are refusing offers to settle and instead are accruing more attorney fees of which they are hoping to win in court. \n\nFor instance, on XX/XX/XXXX, we recorded a call that we made to the collectors. This call that I intiated, I spoke with a XXXX at Credit Bureau Services and she declined our mailed and signed offer, an offer that was to pay the full amount, all intrest fees, and lawyer fees. At this point we just wanted the harrasment to stop. So we did everything possible and in good faith to resolve this small alleged debt we were being accused of owing. \n\nOn this XX/XX/XXXX recorded call, she, XXXX, was incorrect about 2 important aspects of this claim. \n\nFirst, XXXX stated in the recorded phone call, that we had the wrong amount in our offer, not true. \n\nSecondly, that since I and my wife had signed the settlement agreement, it was no good because my wife, was not on this alleged debt or lawsuit so that is why they refused to accept the offer. ( We do have this phone call record as evidence. ) As you will see ALL the lawsuit papers they do in fact have my wife on as a clear defendant in this alleged debt. \n\nAll this has been in direct refusal to abide by credit collection laws, validation of the debt, refusal to settle in its entirity of their requsted amount, stating my wife isn't on the complaint, however she is listed as a defendant. \n\nWe have not heard any respose from them and they, the planiffs, as they appear to be prolonging a case that is only wasting court time and resouces and our time away from work and fees to send certified letters etc! \n\nThis is nefarious at best. \n\nThank you!","date_sent_to_company":"2024-05-07T02:24:05.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"68105","tags":null,"has_narrative":true,"complaint_id":"8938602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Bureau Services Inc.","date_received":"2024-05-07T00:13:51.000Z","state":"NE","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["So we did everything possible and in good faith to resolve this small alleged debt we <em>were</em> being <em>accused</em> of owing. \n\nOn this XX/XX/XXXX recorded call, she, XXXX, was incorrect about 2 important aspects of this claim. \n\nFirst, XXXX stated in the recorded phone call, that we had the wrong amount in our offer, not true."]},"sort":[12.841749,"8938602"]},{"_index":"complaint-public-v1","_id":"12002147","_score":12.704525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This has been gone going on for over a year, I have reached out 2 attorneys both stating the same thing I entered into a repayment status in XXXX. So it's been 11 years, but but then it disappeared in XXXX around the pandemic, which would explain why it did cuz. In all reality between my grant and the loans, it would be paid off with what I attended for which would be between XXXX to XX/XX/XXXX. When I withdrew, I never finished my freshman year. The Department of Education and XXXX XXXX keep sending a new application for me to fill out even though I've filled-out about 4 or 5 of them in over a year. I have provided cases, documentation of everything I've done. And they time friend, they're accusing me of going to school. There is only one true document and play, and that was electronically signed in XXXX. That is the only true documentation that I can see other than that. Let 's put it this way with the emergency relief program. Trump put in play before he lapped XXXX toward each student. Loan to help them out. My loans were gone with my grant, which I got a grant for over {$10000.00}, which is my school tuition as it pertains to the lawsuit. My school or the school I'm being accused of going to in a wrong year. Which there are documents attached here? Showing that they're billing incorrectly, falsifying documentation as well as I have emails, proving they falsified documentation because they stated, I reapplied to go to school. That is false They also stated they talked to me in the time frame. I supposedly went to school. That is false because little XXXX I talked to said, I told her my caseworker 's name problem is He did not tell me my caseworker 's name. She made up a name and then she never talked to me again. After I caught her in her lie, never reached back out. Never did anything. I even provided her the documentation of the fact that my identity was still never got back to me, which shows that school committed fraud. I want these loans completely discharged. I have flopped with this long enough. And they already got a demand letter and they were supposed to respond by XX/XX/XXXX, but apparently no one can read cause. They were supposed to give me their answer. By XX/XX/XXXX, when my attorney wrote them a demand letter. Now, again, for over a year, I provided ample documentation cases appointments, what I was doing a letter proving that I was on medical bed, rest from my sister, they have every documentation imaginable, but they're choosing not to listen to it, discharge it. It's all I want, because my identity was stolen. And now there is a lawsuit that includes the school they're accusing me to go to which by court order, all student loans must be discharged immediately. XXXX and XXXX which is also connected for my proof that it is part of the lawsuit. See all documentation pertaining to it cause. Ironically, someone reached out to me last year. Passed the time frame that way past time frame that I was supposed to be informed of this, which was back in XXXX. So they withheld information from me as well. That is deceit. And in my opinion fraud for trying to keep a student loan, that number one had identity theft on it and and number 2 was part of a court proceeding, which was included in the discharge again, discharge it with identity theft. And the school committing illegal actions.","date_sent_to_company":"2025-02-09T02:56:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"577XX","tags":null,"has_narrative":true,"complaint_id":"12002147","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-02-09T02:25:32.000Z","state":"SD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My loans <em>were</em> gone with my grant, <em>which</em> I got a grant for over {$10000.00}, <em>which</em> is my school tuition as it pertains to the <em>lawsuit</em>. My school or the school I'm being <em>accused</em> of going to in a wrong year. <em>Which</em> there are documents attached here? Showing that they're billing incorrectly, falsifying documentation as well as I have emails, proving they falsified documentation because they stated, I reapplied to go to school. That is false They also stated they talked to me in the time frame."]},"sort":[12.704525,"12002147"]},{"_index":"complaint-public-v1","_id":"2740761","_score":12.703698,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have made to XXXX finance this year! The only payments not attached is XX/XX/XXXX which was paid via money gram. XXXX HAS VERIFIED THAT THEY HAVE THAT PAYMENT. This company will constantly accuse you of not paying so KEEP ALL OF YOUR STATEMENTS AND RECEIPTS they gave me an extension which waived my payments for XX/XX/XXXX and XX/XX/XXXX.  but then said i never had an extension and never paid. Again i kept my proof their rep XXXX who is suppose to be a supervisor the most unprofessional supervisor i ever came across her and XXXX. told me that my payments that I'm assuming are missing went towards XX/XX/XXXX payment. XX/XX/XXXX and XX/XX/XXXX were waived. \nI'm passed frustrated at this point I'm feeling as though my money was stolen. Ive been accused of not making any payments. This vehicle has been nothing but a headache. There has been nothing but repairs needed for this vehicle. The dealer intentionally sold me a vehicle that was not state inspected that they knew needed repairs as the result there is a pending law suit. XXXX accused me of lying about that. I submitted documentation from the courts regarding the law suit. I have submitted documentation from the motor vehicle administration which outlined that she did not have any inspection documentation. I have done everything that i am suppose to do regarding this vehicle.Ive given them everything. Yet today XX/XX/XXXX XXXX told me that i still had to pay what i paid over I have risked losing my home, I have risk going into default with bills, so that this vehicle could be repaired and paid for. Yet I have received nothing but disrespect from your representatives. I am finally fed up and frustrated I have submitted a complaint and submitted all documentation to the Better Business Bureau, the federal Trade commission as well as the Consumer Financial Protection Bureau. \n\nIt is inexcusable that anyone paying over {$450.00} a month should have to do contact repairs on their vehicle. The average consumer who is dealing with claims of missing payments and constant vehicle repairs would just absolutely stop paying. I did the opposite I continued to not only pay the car note but tried my best to complete the repairs no matter how at risk it put me. \n\nI will contact the attorney who is assisting myself as well as others in the lawsuit against XXXX ( the dealer in which i purchased the vehicle ) to see if she can give me information on how I can legally get out of this vehicle based off the lawsuit against XXXX and the motor vehicle administration stating that XXXX did not have proper documentation to sell the car. The only payment i owe is XX/XX/XXXX therefore that will be the only payment i will make. \n\nXXXX can financial has not reported the vehicle to credit bureaus. Only one shows the account. I have made a total of 12 payments on this account yet my balance only reflects 2 payments. XXXX XXXX has stated that they have notreceived payments and reported late payments to the one credit agency they report to t which has dropped my score. Im sick of it. I have my bank statement showing proof yet they keep reqesting me to pay the notes over. This is a crooked company","date_sent_to_company":"2018-05-09T14:04:50.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"21218","tags":null,"has_narrative":true,"complaint_id":"2740761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2017-11-29T21:17:12.000Z","state":"MD","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["XX/XX/XXXX and XX/XX/XXXX <em>were</em> waived. \nI'm passed frustrated at this point I'm feeling as though my money was stolen. Ive been <em>accused</em> of not making any payments. This vehicle has been nothing but a headache. There has been nothing but repairs needed for this vehicle. The dealer intentionally sold me a vehicle that was not state inspected that they knew needed repairs as the result there is a pending law suit. XXXX <em>accused</em> me of lying about that."]},"sort":[12.703698,"2740761"]},{"_index":"complaint-public-v1","_id":"2572964","_score":12.498879,"_source":{"product":"Debt collection","complaint_what_happened":"Pioneer Credit Recovery Inc contacted me and alleged that I owed a debt to XXXX which was being handled through Dept of Treasury ( Bureau of the Fiscal Service ). They accused me of fraud and said that I used XXXX for the invoices enclosed further explaining that I 'd received a settlement and failed to repay XXXX. I then explained that I do not owe the dept because the invoices in question : 1 ) Are the incorrect invoices and were never a part of treatment received for the accident. 2 ) The lawsuit I had for the accident was NEVER settled. 3 ) The treatment that I received for the accident was NEVER billed to XXXX, so I do not owe the debt. I then asked if they have the duty to prove the validity of a debt owed and what made them choose these particular invoices and why? They then informed me that since they represent a government agency that they did DO NOT have to prove anything and the the burden of proof was my responsibility. I then asked how these particular invoices were chosen because I knew that they were not related to my pending lawsuit and that this was a random attack, Moving forward like a good citizen who believed that they would be fair I provided proof and even a letter from my doctor disclosing that although the invoices were from his office but that he had never treated me for an accident. They were also invited by me and my doctor to follow up with their office if they needed any additional information. I could see that they really did not have a care or concern about my well-being nor were they interested in the truth ; so I filed a dispute about 3 or 4 months ago. Then much to my surprise they began to garnish my XXXX XXXX XXXX which has caused a serious financial hardship like hunger and the inability to buy medications. It is my prayer that your agency help me to recover the money that Pioneer Credit Recovery Inc and the Depy of Treasury ( Bureau of the Fiscal Service ) have stolen from me. <P/>DISPUTE SENT ON XX/XX/XXXX Please be advised that I am disputing the erroneous charges from Pioneer Credit see my complete file and the attorney information enclosed. The changes in question are not from an accident or lawsuit. I will in the next few days provide documentation on said invoices, Respectfully, XXXX XXXX XXXX, Attached please find Part 1 of your file contents. If you need anything else, please let me know. <P/><P/><P/><P/><P/><P/>copy of email dispute sent on XX/XX/XXXX US Dept of Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX Acct Num:XXXX DISPUTE SENT XX/XX/XXXX Dear Dept of Treasury, The invoices in question were a part of ongoing pain management. The treatment that I received was in fact routine care for pain. To this day I do not understand why you picked these particular invoices. It is unfair that even after I supplied you with a complete file which was proof that I NEVER received compensation for my injuries you still put a wage assignment on my XXXX income which prevented me for being able to pay rent and purchase groceries. I am disputing these charges and demanding that you return any money that you have wrongfully taken from my wages. Additionally you have my permission to request any records from the XXXX XXXX XXXX or feel free to call them if you have any concerns. <P/><P/>Respectfully, XXXX XXXX XXXX XXXX","date_sent_to_company":"2017-07-13T07:43:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"2572964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-07-13T00:41:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Pioneer Credit Recovery Inc contacted me and alleged that I owed a debt to XXXX <em>which</em> was being handled through Dept of Treasury ( Bureau of the Fiscal Service ). They <em>accused</em> me of fraud and said that I used XXXX for the invoices enclosed further explaining that I 'd received a settlement and failed to repay XXXX."]},"sort":[12.498879,"2572964"]},{"_index":"complaint-public-v1","_id":"12175123","_score":12.354256,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I purchased tickets for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$2100.00}, which obtained them from XXXX, and financed the purchase through Affirm. The total price, including hidden service fees and artificially inflated dynamic pricing, was not transparently disclosed at checkout, leading to an unexpected financial burden. \n\nUpon discovering that the tickets were grossly overpriced due to deceptive business practices, I attempted to resell them through XXXX, only to find that XXXX imposes excessive fees on both sellers and buyers, making it financially impractical to recover costs. XXXX refused to issue a refund, citing its rigid \" All Sales Final '' policy, despite the Colorado Consumer Protection Act ( C.R.S. Title XXXX, Article XXXX ) and the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibit deceptive trade practices.\n\nI formally disputed the charge with Affirm and requested that they void the loan due to XXXX fraudulent pricing practices and lack of transparency. On XX/XX/XXXX, Affirm denied my dispute, relying solely on XXXX refund policy instead of investigating the misrepresentation and deceptive nature of the transaction. \n\nSince then, I have filed a XXXX  complaint against Affirm, to which they have not responded for over a week and a half. Meanwhile, Affirm continues to send daily collection emails despite being aware of this dispute. Additionally, I have already paid two months toward this fraudulent loan and am requesting that Affirm issue a refund for those payments in addition to voiding the loan. \nRelevant Legal Precedents : Several ongoing lawsuits highlight the deceptive nature of XXXX and XXXX business practices : XXXXXXXX XXXX XXXX XXXX : Plaintiffs accused XXXX XXXX fraud, price fixing, and enabling scalpers, harming consumers through artificially inflated pricing. \nXXXX XXXX XXXX XXXXXXXX : A federal class action alleging that XXXX misled fans, violated antitrust laws, and engaged in deceptive pricing tactics. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : A DOJ antitrust lawsuit ( joined by 29 states, including XXXX XXXX  seeking to dismantle the monopoly between XXXX and XXXX XXXX citing anti-competitive behavior and consumer harm. \n\nThis transaction was facilitated through deceptive business practices that are currently under federal investigation, and I urge Affirm to reconsider its decision and resolve this matter fairly.","date_sent_to_company":"2025-02-22T08:20:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80906","tags":"Servicemember","has_narrative":true,"complaint_id":"12175123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-02-22T07:43:17.000Z","state":"CO","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Relevant Legal Precedents : Several ongoing <em>lawsuits</em> highlight the deceptive nature of XXXX and XXXX business practices : XXXXXXXX XXXX XXXX XXXX : Plaintiffs <em>accused</em> XXXX XXXX fraud, price fixing, and enabling scalpers, harming consumers through artificially inflated pricing. \nXXXX XXXX XXXX XXXXXXXX : A federal class action alleging that XXXX misled fans, violated antitrust laws, and engaged in deceptive pricing tactics."]},"sort":[12.354256,"12175123"]},{"_index":"complaint-public-v1","_id":"14067722","_score":12.284641,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year> I received a phone call that showed up as \" potential scam '' from phone number ( XXXX ) XXXX. The person on the phone asked if I was me, stating they were \" returning '' a call. After a long back and forth where I was not going to agree with any information, and they would not give me any information of who they were, or what company they were calling from, I finally said I was me. The only information I received was that their name was \" XXXX XXXX '', calling from XXXX XXXX XXXX about a loan I took out with XXXX XXXX. As of this writing, I have not received any correspondence via US mail, email, or anything about this debt. \" XXXX XXXX '' then proceeds to tell me that they are filing papers to take me to court, and that they will get a lien on my tax refunds, and any income I receive. And also telling me all of this is on a \" recorded line. '' She proceeded to verify that they had the last digits of an old bank account number I used to have, the last XXXX digits of my social security number, and my address. I then responded that I have not received any notification about this debt, and how they are planning on filing a lawsuit with out this notification of the debt. I then requested in writing, verification of the debt. XXXX minutes later, I received an email from a company called XXXX XXXX XXXX, stating I owed them {$4600.00}, an amount I have never borrowed. I was also told this amount during the phone conversation, as which I stated that I never borrowed that amount, in turn I was told \" you are right, but it was a high interest loan. '' I was also accused during the conversation of trying to use \" stall tactics, '' when I requested the debt validation. Which I specifically requested in writing via XXXX mail, not by email, and I have sent them formal request for future correspondence to be conducted by XXXX mail only.","date_sent_to_company":"2025-06-13T17:04:08.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"296XX","tags":null,"has_narrative":true,"complaint_id":"14067722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Reel Time Capital LLC","date_received":"2025-06-13T16:32:25.000Z","state":"SC","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I was also told this amount during the phone conversation, as <em>which</em> I stated that I never borrowed that amount, in turn I was told \" you are right, but it was a high interest loan. '' I was also <em>accused</em> during the conversation of trying to use \" stall tactics, '' when I requested the debt validation. <em>Which</em> I specifically requested in writing via XXXX mail, not by email, and I have sent them formal request for future correspondence to be conducted by XXXX mail only."],"sub_issue":["Sued you without properly notifying you of <em>lawsuit</em>"]},"sort":[12.284641,"14067722"]},{"_index":"complaint-public-v1","_id":"12002020","_score":12.273243,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This has been gone going on for over a year, I have reached out XXXX attorneys both stating the same thing I entered into a repayment status in XXXX. So it's been XXXX  years, but but then it disappeared in XXXX around the pandemic, which would explain why it did cuz. In all reality between my XXXX and the loans, it would be paid off with what I attended for which would be between XXXX to XX/XX/XXXX. When I withdrew, I never finished my freshman year. The Department of Education and Ed financial keep sending a new application for me to fill out even though I've filled-out about XXXX or XXXX of them in over a year. I have provided cases, documentation of everything I've done. And they time friend, they're accusing me of going to school. There is only XXXX true document and play, and that was electronically signed in XXXX. That is the only true documentation that I can see other than that. Let 's put it this way with the emergency relief program. XXXX put in play before he lapped XXXX toward each student. Loan to help them out. My loans were gone with my XXXX, which I got a XXXX for over {$10000.00}, which is my school tuition as it pertains to the lawsuit. My school or the school I'm being accused of going to in a wrong year. Which there are documents attached here? Showing that they're billing incorrectly, falsifying documentation as well as I have emails, proving they falsified documentation because they stated, I reapplied to go to school. That is false XXXX also stated they talked to me in the time frame. I supposedly went to school. That is false because little XXXX I talked to said, I told her my caseworker 's name problem is He did not tell me my caseworker 's name. She made up a name and then she never talked to me again. After I caught her in her lie, never reached back out. Never did anything. I even provided her the documentation of the fact that my identity was still never got back to me, which shows that school committed fraud. I want these loans completely XXXX. I have flopped with this long enough. And they already got a demand letter and they were supposed to respond by XX/XX/XXXX, but apparently no one can read cause. They were supposed to give me their answer. By XX/XX/XXXX, when my attorney wrote them a demand letter. Now, again, for over a year, I provided ample documentation cases appointments, what I was doing a letter proving that I was on medical bed, rest from my sister, they have every documentation imaginable, but they're choosing not to listen to it, discharge it. It's all I want, because my identity was stolen. And now there is a lawsuit that includes the school they're accusing me to go to which by court order, all student loans must be XXXX immediately. XXXX XXXX XXXX which is also connected for my proof that it is part of the lawsuit. See all documentation pertaining to it cause. Ironically, someone reached out to me last year. Passed the time frame that way past time frame that I was supposed to be informed of this, which was back in XXXX. So they withheld information from me as well. That is deceit. And in my opinion fraud for trying to keep a student loan, that number one had identity theft on it and and number 2 was part of a court proceeding, which was included in the discharge again, discharge it with identity theft. And the school committing illegal actions.","date_sent_to_company":"2025-02-09T02:56:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"577XX","tags":null,"has_narrative":true,"complaint_id":"12002020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-02-09T02:55:44.000Z","state":"SD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My loans <em>were</em> gone with my XXXX, <em>which</em> I got a XXXX for over {$10000.00}, <em>which</em> is my school tuition as it pertains to the <em>lawsuit</em>. My school or the school I'm being <em>accused</em> of going to in a wrong year. <em>Which</em> there are documents attached here? Showing that they're billing incorrectly, falsifying documentation as well as I have emails, proving they falsified documentation because they stated, I reapplied to go to school. That is false XXXX also stated they talked to me in the time frame."]},"sort":[12.273243,"12002020"]},{"_index":"complaint-public-v1","_id":"12002021","_score":12.26331,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This has been gone going on for over a year, I have reached out XXXX attorneys both stating the same thing I entered into a repayment status in XXXX. So it's been XXXX  years, but but then it disappeared in XXXX around the pandemic, which would explain why it did cuz. In all reality between my XXXX and the loans, it would be paid off with what I attended for which would be between XXXX to XX/XX/XXXX. When I withdrew, I never finished my freshman year. XXXX XXXX XXXX XXXX and XXXX XXXX keep sending a new application for me to fill out even though I've filled-out about XXXX or XXXX of them in over a year. I have provided cases, documentation of everything I've done. And they time friend, they're accusing me of going to school. There is only XXXX true document and play, and that was electronically signed in XXXX. That is the only true documentation that I can see other than that. Let 's put it this way with the emergency relief program. XXXX put in play before he lapped XXXX toward each student. Loan to help them out. My loans were gone with my XXXX, which I got a XXXX for over {$10000.00}, which is my school tuition as it pertains to the lawsuit. My school or the school I'm being accused of going to in a wrong year. Which there are documents attached here? Showing that they're billing incorrectly, falsifying documentation as well as I have emails, proving they falsified documentation because they stated, I reapplied to go to school. That is false They also stated they talked to me in the time frame. I supposedly went to school. That is false because little XXXX I talked to said, I told her my caseworker 's name problem is He did not tell me my caseworker 's name. She made up a name and then she never talked to me again. After I caught her in her lie, never reached back out. Never did anything. I even provided her the documentation of the fact that my identity was still never got back to me, which shows that school committed fraud. I want these loans completely XXXX. I have flopped with this long enough. And they already got a demand letter and they were supposed to respond by XX/XX/XXXX, but apparently no one can read cause. They were supposed to give me their answer. By XX/XX/XXXX, when my attorney wrote them a demand letter. Now, again, for over a year, I provided ample documentation cases appointments, what I was doing a letter proving that I was on medical bed, rest from my sister, they have every documentation imaginable, but they're choosing not to listen to it, discharge it. It's all I want, because my identity was stolen. And now there is a lawsuit that includes the school they're accusing me to go to which by court order, all student loans must be XXXX immediately. XXXX XXXX XXXX which is also connected for my proof that it is part of the lawsuit. See all documentation pertaining to it cause. Ironically, someone reached out to me last year. Passed the time frame that way past time frame that I was supposed to be informed of this, which was back in XXXX. So they withheld information from me as well. That is deceit. And in my opinion fraud for trying to keep a student loan, that number one had identity theft on it and and number 2 was part of a court proceeding, which was included in the discharge again, discharge it with identity theft. And the school committing illegal actions.","date_sent_to_company":"2025-02-09T02:56:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"577XX","tags":null,"has_narrative":true,"complaint_id":"12002021","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-09T02:55:44.000Z","state":"SD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My loans <em>were</em> gone with my XXXX, <em>which</em> I got a XXXX for over {$10000.00}, <em>which</em> is my school tuition as it pertains to the <em>lawsuit</em>. My school or the school I'm being <em>accused</em> of going to in a wrong year. <em>Which</em> there are documents attached here? Showing that they're billing incorrectly, falsifying documentation as well as I have emails, proving they falsified documentation because they stated, I reapplied to go to school. That is false They also stated they talked to me in the time frame."]},"sort":[12.26331,"12002021"]},{"_index":"complaint-public-v1","_id":"12002019","_score":12.26331,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This has been gone going on for over a year, I have reached out XXXX attorneys both stating the same thing I entered into a repayment status in XXXX. So it's been XXXX  years, but but then it disappeared in XXXX around the pandemic, which would explain why it did cuz. In all reality between my XXXX and the loans, it would be paid off with what I attended for which would be between XXXX to XX/XX/XXXX. When I withdrew, I never finished my freshman year. The Department of Education and XXXX XXXX keep sending a new application for me to fill out even though I've filled-out about XXXX or XXXX of them in over a year. I have provided cases, documentation of everything I've done. And they time friend, they're accusing me of going to school. There is only XXXX true document and play, and that was electronically signed in XXXX. That is the only true documentation that I can see other than that. Let 's put it this way with the emergency relief program. XXXX put in play before he lapped XXXX toward each student. Loan to help them out. My loans were gone with my XXXX, which I got a XXXX for over {$10000.00}, which is my school tuition as it pertains to the lawsuit. My school or the school I'm being accused of going to in a wrong year. Which there are documents attached here? Showing that they're billing incorrectly, falsifying documentation as well as I have emails, proving they falsified documentation because they stated, I reapplied to go to school. That is false XXXX also stated they talked to me in the time frame. I supposedly went to school. That is false because little XXXX I talked to said, I told her my caseworker 's name problem is He did not tell me my caseworker 's name. She made up a name and then she never talked to me again. After I caught her in her lie, never reached back out. Never did anything. I even provided her the documentation of the fact that my identity was still never got back to me, which shows that school committed fraud. I want these loans completely XXXX. I have flopped with this long enough. And they already got a demand letter and they were supposed to respond by XX/XX/XXXX, but apparently no one can read cause. They were supposed to give me their answer. By XX/XX/XXXX, when my attorney wrote them a demand letter. Now, again, for over a year, I provided ample documentation cases appointments, what I was doing a letter proving that I was on medical bed, rest from my sister, they have every documentation imaginable, but they're choosing not to listen to it, discharge it. It's all I want, because my identity was stolen. And now there is a lawsuit that includes the school they're accusing me to go to which by court order, all student loans must be XXXX immediately. XXXX XXXX  XXXX which is also connected for my proof that it is part of the lawsuit. See all documentation pertaining to it cause. Ironically, someone reached out to me last year. Passed the time frame that way past time frame that I was supposed to be informed of this, which was back in XXXX. So they withheld information from me as well. That is deceit. And in my opinion fraud for trying to keep a student loan, that number one had identity theft on it and and number 2 was part of a court proceeding, which was included in the discharge again, discharge it with identity theft. And the school committing illegal actions.","date_sent_to_company":"2025-02-09T02:56:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"577XX","tags":null,"has_narrative":true,"complaint_id":"12002019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-09T02:55:44.000Z","state":"SD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My loans <em>were</em> gone with my XXXX, <em>which</em> I got a XXXX for over {$10000.00}, <em>which</em> is my school tuition as it pertains to the <em>lawsuit</em>. My school or the school I'm being <em>accused</em> of going to in a wrong year. <em>Which</em> there are documents attached here? Showing that they're billing incorrectly, falsifying documentation as well as I have emails, proving they falsified documentation because they stated, I reapplied to go to school. That is false XXXX also stated they talked to me in the time frame."]},"sort":[12.26331,"12002019"]},{"_index":"complaint-public-v1","_id":"13796740","_score":12.074774,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX XXXX XXXX, original CFPB complaint number forwarded to the FTC with no response, is : XXXX, for unfair, scamming and/or deceptive trade practices, consumer fraud, and inaccurate credit reporting related to a timeshare purchase that turned out to be a points-based scheme with no real property value. \n\nI was misled into purchasing what I believed to be a valuable investment and that I could use it as an XXXX XXXX. Upon realizing it was part of a points-only system with skyrocketing fees and restricted access, I stopped payment and later found this listed as a foreclosure on my credit report. \n\nThis is particularly troubling given the widespread reports and lawsuits against XXXX XXXX XXXX for fraudulent sales practices, regulatory lobbying to avoid oversight, and thousands of affected consumers nationwide. The reported \" foreclosure '' is not a real property foreclosure and should not legally impact my credit. \n\nThis misrepresentation violates : - Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) - Consumer Financial Protection Act ( 12 U.S.C. 5481 ) - Federal Trade Commission Act ( 15 U.S.C. 4158 ) - Deceptive Marketing Practices per 16 CFR 255 I request that your agency open an investigation and compel XXXX to remove the inaccurate derogatory information and cease deceptive practices. \n\n___________________________________________________________________ Here are key articles and resources detailing lawsuits and political activities involving XXXX XXXX XXXX : Class Action Lawsuits and Allegations Engineering the Law : XXXX  Class-Action Timeshare Battle In XXXX, a class-action lawsuit was filed against XXXX  Vacations Worldwide by XXXX and XXXX XXXX XXXX alleging that XXXX points-based timeshare system diluted the value of traditional timeshare ownership. The lawsuit claimed violations of the XXXX XXXX and other statutes. XXXX responded by lobbying the Florida XXXX to amend laws that could impact the case. \nSource : Florida XXXX XXXX XXXX XXXX Class Action Lawsuit Claims Buyers Were Defrauded This article discusses allegations that XXXX misrepresented the value and resale potential of its timeshare points, leading to financial harm for consumers. \nSource : Vacation Ownership Consultants Suit Filed Against XXXX Alleges Illegal Timeshare Scheme An Indiana couple filed a lawsuit claiming that XXXX  points-based timeshare program conveyed no real property interest, effectively selling a use license rather than actual ownership. \nSource : The Real Deal Political Lobbying and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX outlines its policies regarding political contributions and lobbying activities, including semiannual disclosures of state and local-level political contributions. \nSource : XXXX Investor XXXX XXXX Accused of Political Lobbying to Overturn Protective Timeshare Consumer Laws The Resort Development Organization ( RDO ), associated with timeshare interests, has been accused of lobbying efforts aimed at weakening consumer protection laws related to timeshares. \nSource : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sues XXXX Vacations Worldwide for Religious Discrimination The XXXX. XXXX XXXX XXXX XXXX filed a lawsuit against XXXX XXXX XXXX, alleging that the company failed to accommodate an employees religious practices, violating Title XXXX of the Civil Rights Act. \nSource : XXXX XXXX XXXX XXXX XXXX Targets XXXX Cruise Charges A class-action lawsuit alleged that XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX inflated port fees for cruises booked through XXXX XXXX XXXX  XXXX leading to a settlement offering refunds to affected members. \nSource : XXXX XXXX XXXX XXXX XXXX and Legal Actions 1. Allegations of Deceptive Sales Practices Deldar Injury Attorneys is actively investigating complaints regarding deceptive sales practices by XXXX XXXX XXXX. These include misrepresentation of property availability, exaggerated investment potential, high-pressure sales tactics, and omission of hidden fees and rising costs. Such tactics have left buyers feeling misled and financially burdened. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is under scrutiny over tens of thousands of suspect contracts, particularly in XXXX. XXXX XXXX XXXX ( XXXX ) has highlighted that XXXX continued writing illegal contracts, such as those involving floating time and contracts exceeding the maximum permitted 50 years, despite strict consumer laws enacted in XXXX. These practices have potentially affected many thousands of people. \n\nXXXX. XXXX XXXX : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX \n\nIn XXXX, XXXX and XXXX XXXX filed a class-action lawsuit against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that XXXX  points-based XXXX XXXX misrepresented ownership interests. The suit claimed that purchasers were led to believe they were acquiring real property interests when, in fact, they received only a license to use certain properties. The lawsuit also alleged violations of the Florida Vacation and Timeshare Act. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX response to a class-action lawsuit filed by XXXX and XXXX XXXX XXXX which alleged deceptive practices in XXXX  points-based XXXX program, XXXX  Vacations Worldwide sought XXXX XXXX XXXX in Florida. The company, through the XXXX XXXX XXXX XXXX ( XXXX ) a trade group representing the timeshare industryworked with Florida legislators to propose amendments to existing timeshare laws. At the time, XXXX XXXX was XXXX XXXX, XXXX and XXXX of XXXX Vacations XXXX XXXX \n\nXXXX collaborated with XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX to introduce provisions that would affect the rights of legacy timeshare owners and the obligations of developers transitioning properties into broader resort networks. These legislative efforts coincided with the ongoing lawsuit, potentially impacting its outcome. \n\nXXXX XXXX XXXX XXXX, the parent company of XXXX XXXX XXXX, has a history of political contributions. According to XXXX, XXXX XXXX contributed {$350000.00} during the XXXX election cycle, with approximately 69 % going to Democratic candidates and 31 % to XXXX candidates. \n\nRelevant Laws and Case Law Florida Vacation and Timeshare Act : Regulates timeshare sales and marketing practices in Florida, aiming to protect consumers from deceptive practices. \nFair Credit Reporting Act ( FCRA ) XXXX5 U.S.C. 1681s-2 ( a ) : Prohibits furnishers of information from reporting inaccurate information to credit reporting agencies. \nXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Held that credit reporting agencies must go beyond the original source when investigating disputes. \nXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Emphasized the duty of credit bureaus to ensure the accuracy of information. \n\nXXXX XXXX XXXX recent complaints against XXXX XXXX XXXX : XXXX the link below : XXXX XXXX XXXX","date_sent_to_company":"2025-05-29T03:14:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20603","tags":"Servicemember","has_narrative":true,"complaint_id":"13796740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-29T03:14:12.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX \n\nIn XXXX, XXXX and XXXX XXXX filed a class-action <em>lawsuit</em> against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that XXXX  points-based XXXX XXXX misrepresented ownership interests. The suit claimed that purchasers <em>were</em> led to believe they <em>were</em> acquiring real property interests when, in fact, they received only a license to use certain properties. The <em>lawsuit</em> also alleged violations of the Florida Vacation and Timeshare Act."]},"sort":[12.074774,"13796740"]},{"_index":"complaint-public-v1","_id":"9325970","_score":11.950046,"_source":{"product":"Student loan","complaint_what_happened":"Borrower Defense Application XXXX - XX/XX/XXXX I received a letter from the Department of Education alerting me that me student loans will be discharged in accordance with Exhibit C of theXX/XX/XXXX XXXX lawsuit that I was a full class member of due to the date of submission of my XXXX XXXX XXXX and the school I attended was on the list of for profit institutions that were being accused of misleading students in their loan applications and job placement assistance. \n\nI was also a part of the XXXX program and my loans were transferred from first Aidvantage to XXXX in XXXX, then from XXXX to Mohela in XX/XX/XXXX. I applied or XXXX XXXX on XX/XX/XXXX through a third party called XXXX XXXX XXXX which charged me XXXX to file a borrower defense and then input the wrong dates during submission. I attendedXX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX while taking a semester off around XX/XX/XXXX. My notes reflect the correct dates in the XXXX XXXX XXXX XXXX XXXX XXXX application was approved and as of XX/XX/XXXX my student loans are paid off and off my credit report, however I only recieved a {$200.00} check from XXXX for a payment I made them, and not the {$4700.00} I paid through XXXX when I was under the XXXX program. XXXX never transferred my loan payment history to MOHELA, and I never paid anything to MOHELA due to being in Forebearance from XXXX until the loans were paid off in XXXX, and there never had a payment history with MOHELA. \n\nWhen I go through the payment history from XXXX they show that amount of {$4700.00} was refunded to me, however instead of issuing a check to me, MOHELA instead applied the refund to the loan balance and lowered the loan balance instead which is in direct violation of the instructions from XX/XX/XXXX XXXX who is presiding over the XX/XX/XXXX XXXX XX/XX/XXXX. All refunds are to be issued in check form from the Department of the Treasury unless a borrower wants it applied in another format. \n\nI have attached my Borrower Defense Application, XX/XX/XXXX History, and my XXXX XXXX XXXX letter.","date_sent_to_company":"2024-06-22T16:52:52.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"173XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9325970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-06-22T16:23:12.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Borrower Defense Application XXXX - XX/XX/XXXX I received a letter from the Department of Education alerting me that me student loans will be discharged in accordance with Exhibit C of theXX/XX/XXXX XXXX <em>lawsuit</em> that I was a full class member of due to the date of submission of my XXXX XXXX XXXX and the school I attended was on the list of for profit institutions that <em>were</em> being <em>accused</em> of misleading students in their loan applications and job placement assistance."]},"sort":[11.950046,"9325970"]},{"_index":"complaint-public-v1","_id":"2497024","_score":11.802109,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX I was made aware of an allegation that allegedly occurred in XX/XX/XXXX. This  was the first I was made aware that Lexis-Nexis was communicating XXXX information that was egregious and false - from 11 years ago. A background check was completed and my employment was at risk given my position and scope of responsibilities. My field of endeavor has been how I have provided from myself for 30 years. The \" incident report '' consistent of two paragraphs. There is insufficient information and no documentation provided to support this \" blind '' report. In XX/XX/XXXX, when the report was filed, we were open for business and my name and phone number were provided on the application and I could have been contacted. I was never contacted nor given \" my day in court '' - to defend myself. In my 30 year career, I have never participated in or perpetrated a fraud. I have asked for all the documentation that precipitated this report - and it has not been provided. I have requested that it be removed, because the requirements for file retention have long passed and I have no file to reference or present in my defense. ( This allegedly took place 11 years ago ). This has not happened. I have requested that alleged \" fraud '' be removed, because the claim is wholly false, this has not happened. I have requested a list of all those that have been provided this report and this has not been provided. I had lengthy conversations with XXXX ( XXXX ) of Lexis Nexis and he last indicated he would pursue all of the above - and then I got an email closing the request with no recourse to reopen - and none of that which was requested was provided. I spoke with XXXX at Length ( XXXX with Lexis Nexis and he expressed ambivalence and never followed up on the items itemized above as requested by phone and in writing. He indicated that Lexis Nexis is not a CRS and not held to removing files after 10 years not are they required to vet with the accused ( Me ) any information. That \" blind '' reporting is the right of subscribers. I was indignant and absolutely baffled that one can pay to \" bully '' with false statements that can end careers. I had no idea that such a pay to disparage existed - without one 's day in court. I had written, called and made multiple efforts to resolve and the response is contact Lexis Nexis Legal in XXXX, GA - by mail. I am not an attorney, nor can I hire one to fight this giant. I have noted the 13 Million Dollar Class Action lawsuit to like situations. I am requesting your help and I hope over-sight for a system that allows anonymous/blind reports with making the accused aware, given the right of this constitution to face their accuser, not require the accuser to contact the defendant ( me ) - to vet the circumstance. Once a year all service providers and my employer will require a back ground check and I am expected to \" resolve '' this finding. I need help with a fair, just and swift resolution to that which is not true, that which allegedly happened 11 years ago and to which I have just been made aware - and that my continued employment is predicated upon. I have no legal record - not even a speeding ticket. This really needs the power of the CFPB to develop minimal standards that align with our constitutional and legal rights. Respectfully, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2017-05-30T19:01:10.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"48843","tags":null,"has_narrative":true,"complaint_id":"2497024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2017-05-30T17:43:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["I have noted the 13 Million Dollar Class Action <em>lawsuit</em> to like situations. I am requesting your help and I hope over-sight for a system that allows anonymous/blind reports with making the <em>accused</em> aware, given the right of this constitution to face their accuser, not require the accuser to contact the defendant ( me ) - to vet the circumstance. Once a year all service providers and my employer will require a back ground check and I am expected to \" resolve '' this finding."]},"sort":[11.802109,"2497024"]},{"_index":"complaint-public-v1","_id":"7329352","_score":11.709892,"_source":{"product":"Debt collection","complaint_what_happened":"Hello, Reference # I attempted to get this fraudulent derogatory item deleted from my credit report, but Zion Debt Holdings XXXX replied with a fraudulent document containing my signature with numerous errors from the spelling of names to the grammatical errors. I'm an intelligent, well educated man possessing fine penmanship and grammar skills. I do not recognize the writing on this single page contract and I surely didn't fill it out, appearing to sign my name one way and printing my last name as another ( XXXX ) and then crossing it out. Also, why would my son appear to sign his name with the correct spelling and then print his own name incorrectly? \n\nCan someone please address these questions? \n\nThis is fraud! \n\nAgain... remove this item from my credit report. \nI don't owe these people anything. \n\nZion Debt Holdings LLC practices the same unethical business ethics as XXXX. I sent you info on Zion, please see info below concerning XXXX. \n\nUpdated Lawsuit : XX/XX/XXXX Vivints sales staff stole peoples personal information to approve others for loans, said XXXX XXXX, Acting Director of the FTCs Bureau of Consumer Protection. For misusing consumer credit reports and other sensitive data, and harming peoples credit, this company will pay {$20.00} XXXX. \n\nAnother Updated Lawsuit : Judgment was rendered on XXXX XXXX as a jury awarded XXXX XXXX more than {$180.00} XXXX in damages in a deceptive sales practice lawsuit against XXXX XXXX XXXX. \n\nOriginally filed in XXXX, the lawsuit went to court early in XXXX accusing XXXX of false and deceptive sales practices on the doorsteps and in the homes of significant numbers of XXXX customers  across the XXXX in an effort to take over their alarm systems. \n\nWhile were thrilled the trial ended in our favor, I want to be clear that this case is not just about XXXX XXXX, XXXX XXXX XXXX and Founder XXXX XXXX said in a statement issued by the company. We believe that for at least 15 years, XXXX has been taking advantage of vulnerable people across the country through deceptive, misleading, and flat-out false practices. I hope todays verdict will stop their deception for good. \n\nThe lawsuit accused the XXXX XXXX of using false or misleading information to acquire CPIs customers and lock them into high-priced, multi-year finance and monitoring contracts with them. \n\nXXXX XXXX XXXX reached out to XXXX XXXX XXXX for comment on the judgment rendered in the lawsuit and received the following reply : We are extremely disappointed with the jurys decision, which we believe is not legally or factually supported. Furthermore, the amount of damages awarded are egregious and completely disconnected from the total economic impact of any activity that XXXX claims to have occurred with respect to this matter. We intend to file an appeal, pursue all legal options available to us and continue to defend ourselves vigorously. \n\nXXXX added, We remain committed to operating with the highest standards of integrity and delivering exceptional service to customers. \n\nXXXX has been under fire from multiple sources recently with XXXX filing their own lawsuit against the company earlier this year for patent infringement against XXXX claiming the companys success has been due to the use of XXXX trade secrets and patented technology. XXXX agreed to a settlement of {$10.00} XXXX in XXXX for similar claims made by XXXX, and The Department of Justice fined XXXX {$3.00} XXXX in XXXX for making false statement to customers. \n\nI just want my hard-earned credit worthiness reinstated! So far they have placed ( 5 ) late payments on my credit report... destroying my credit worthiness!!!","date_sent_to_company":"2023-07-31T21:27:37.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"33325","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7329352","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zions Debt Holdings","date_received":"2023-07-31T19:21:00.000Z","state":"FL","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["The <em>lawsuit</em> <em>accused</em> the XXXX XXXX of using false or misleading information to acquire CPIs customers and lock them into high-priced, multi-year finance and monitoring contracts with them. \n\nXXXX XXXX XXXX reached out to XXXX XXXX XXXX for comment on the judgment rendered in the <em>lawsuit</em> and received the following reply : We are extremely disappointed with the jurys decision, <em>which</em> we believe is not legally or factually supported."]},"sort":[11.709892,"7329352"]},{"_index":"complaint-public-v1","_id":"7518946","_score":11.690048,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Request for Removal of Negative Credit Report Entry - Voluntary Repossession Dear CFPB, I hope this letter finds you in good health. I am writing to file a formal complaint and request your assistance in addressing a matter of utmost importance related to a negative credit report entry resulting from a voluntary repossession. This entry is currently impacting my financial wellbeing, and I believe it necessitates your attention and intervention. \n\nOn XX/XX/2020 i had no choice but to voluntarily surrender my vehicle financed through Credit Acceptance due to financial hardship. The loan terms were originally structured in such a way that the car 's cost was unsustainable, making it impossible for me to meet the payments. The decision to voluntarily return the vehicle was made after thorough consideration of my financial situation and the implications of continuing the loan.\n\nI would like to bring to your attention that Credit Acceptance has a history of predatory lending practices and has faced legal actions, including lawsuits by the CFPB and the New York Attorney General 's office. These lawsuits have accused Credit Acceptance of deliberately concealing vital auto loan information from borrowers, ultimately setting them up for failure. These actions are in direct violation of various consumer protection laws and U.S. Codes, including but not limited to : The Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically Sections 1031 and 1036, which prohibit unfair, deceptive, and abusive acts and practices in consumer financial services.\n\nThe Truth in Lending Act ( TILA ), which mandates transparency in lending disclosures, ensuring borrowers are fully informed about the terms and costs of their loans.\n\nThe Fair Credit Reporting Act ( FCRA ), which governs the accuracy and fairness of credit reporting, and provides consumers with the right to dispute inaccurate information on their credit reports.\n\nConsidering the ongoing legal actions against Credit Acceptance and the fact that my voluntary repossession was a direct result of their questionable lending practices, I kindly request that you investigate this matter thoroughly and take the necessary steps to have the negative credit report entry related to this repossession removed from my credit history.\n\nI believe that by taking action to rectify this situation, you would not only be safeguarding my rights as a consumer but also sending a strong message to lenders engaging in predatory practices that such behavior will not be tolerated.\n\nI appreciate your attention to this matter and thank you for your dedication to consumer protection. I eagerly await a resolution to this issue and request prompt communication regarding the progress of my case..","date_sent_to_company":"2023-09-08T19:04:43.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7518946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-09-08T18:32:19.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Voluntary repossession"},"highlight":{"complaint_what_happened":["I would like to bring to your attention that Credit Acceptance has a history of predatory lending practices and has faced legal actions, including <em>lawsuits</em> by the CFPB and the New York Attorney General 's office. These <em>lawsuits</em> have <em>accused</em> Credit Acceptance of deliberately concealing vital auto loan information from borrowers, ultimately setting them up for failure. These actions are in direct violation of various consumer protection laws and U.S."]},"sort":[11.690048,"7518946"]},{"_index":"complaint-public-v1","_id":"10893904","_score":11.627988,"_source":{"product":"Student loan","complaint_what_happened":"Dear Consumer Financial Protection Bureau I am filing this complaint against XXXX  due to their unethical and predatory loan management practices that have negatively impacted my ability to repay my student loan. As a borrower, I trusted XXXX  to act in good faith, but I have experienced the following issues that warrant a review of my loan and possible forgiveness : 1. Deceptive Practices : XXXX  has been found guilty of deceptive practices in steering borrowers away from income-driven repayment plans or other affordable options. I believe I was not properly informed of these alternatives, which could have significantly eased my repayment burden.\n\n2. Mismanagement of Payments : My loan payments were not applied appropriately to reduce the loan principal, making it nearly impossible to make meaningful progress toward paying off the loan. This practice appears to be part of the systematic issues XXXX  was accused of in the recent class action lawsuit.\n\n3. Failure to Act in the Borrowers Best Interest : As the servicer of my loan, XXXX  failed to provide the guidance and support expected, prioritizing profit over the well-being of borrowers. This is evidenced by their disqualification from future government loan programs due to their actions. \n\nThese issues have left me financially and emotionally strained, with a loan balance that seems insurmountable despite my efforts to make payments. Given the findings of XXXX misconduct, I believe it is appropriate to review my case for potential loan forgiveness. \n\nI respectfully request that the CFPB investigate my specific loan situation to determine whether I have been subjected to any of XXXX  unlawful practices. I am also seeking relief in the form of forgiveness or correction of my loan terms to reflect a fair resolution. \n\nThank you for your attention to this matter. Please let me know if additional information is required to process my complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-26T19:08:47.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"180XX","tags":null,"has_narrative":true,"complaint_id":"10893904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2024-11-23T03:26:58.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["I believe I was not properly informed of these alternatives, <em>which</em> could have significantly eased my repayment burden.\n\n2. Mismanagement of Payments : My loan payments <em>were</em> not applied appropriately to reduce the loan principal, making it nearly impossible to make meaningful progress toward paying off the loan. This practice appears to be part of the systematic issues XXXX  was <em>accused</em> of in the recent class action <em>lawsuit</em>.\n\n3."]},"sort":[11.627988,"10893904"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":155,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":155}]}},"product":{"doc_count":155,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":39,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":15},{"key":"I do not know","doc_count":6},{"key":"Auto debt","doc_count":4},{"key":"Other debt","doc_count":4},{"key":"Mortgage debt","doc_count":3},{"key":"Payday loan debt","doc_count":3},{"key":"Medical debt","doc_count":2},{"key":"Private student loan debt","doc_count":2}]}},{"key":"Credit reporting or other personal consumer 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