{"took":248,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3555102","_score":19.683933,"_source":{"product":"Debt collection","complaint_what_happened":"I took 2 predatory title loans out, both with the same company, OneMain Financial. The first loan was for approx. {$2000.00}. On my credit report, my first loan with OneMain opened XX/XX/XXXX. I paid about half ( {$1000.00} ) off, and then I needed money again, and they had been urging me to take another loan out, so I did, taking another {$1000.00} out. They had always been super nice to me, and I was good about keeping my payments on time. I took the second loan ( according to my credit report ) on XX/XX/XXXX. Looking at my credit report, they wrote the first loan off as the second loan would be a refinance since I still had an amount of XXXX still to pay. Everything was pretty good until I started to run into financial hardship, with my son being XXXX XXXX XXXX XXXX which then took money away from me in XXXX  XXXX. I suddenly could only afford basic things on my fixed social security income. That is when OneMain got really irrational, and then they started to call me multiple times a day and essentially harass me to pay back my debt. I told them multiple times that I could not make my payments anymore, and told them to repossess my car. I had a second car, so it didn't really matter. They kept on harassing me and harassing me until about XX/XX/XXXX. They would call as early as XXXX, and then as late as XXXX. They always harassed me by saying that if that I got my car repossessed ( like my wishes ) that it would destroy my credit. On the last few calls, they started to threaten legal actions ( civil lawsuit ) and that they would have the ability to garnish what little I already have. They finally stopped calling, like I said, in XX/XX/XXXX, to only find out that my account is closed apparently. I don't exactly know what this means, as they did send notification of that they were closing my account, I didn't know what they exactly did, until about a few months ago, when I looked harder at my credit reports, and OneMain closed the account with the remark \" purchased by another lender ''. No other lender, or anyone, has notified me about my status. Now, I am trying to get rid of the car that has the lien on it, and I am trying to see who has the title, and my state BMV says that OneMain still has the title as a lienholder, even though my credit report says that they sold my account to another lender, and then OneMain also has closed my account clearly with them. No other lenders are showing on my credit report, only the ones that I know of. I am really confused, and when I try to access my online account with OneMain, they also say that I don't have any accounts with them. I don't know who to contact, and also I don't know how much my loan was sold for, or really anything.","date_sent_to_company":"2020-03-06T18:36:35.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"449XX","tags":null,"has_narrative":true,"complaint_id":"3555102","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"ONEMAIN FINANCE CORPORATION","date_received":"2020-03-05T04:13:00.000Z","state":"OH","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I took 2 predatory title <em>loans</em> out, both with the same company, OneMain Financial. The first <em>loan</em> was for approx. {$2000.00}. On my credit report, my first <em>loan</em> with OneMain opened XX/XX/XXXX. I paid about half ( {$1000.00} ) off, and then I needed <em>money</em> again, and they had been urging me to take another <em>loan</em> out, so I did, taking another {$1000.00} out. They had always been super nice to me, and I was <em>good</em> about <em>keeping</em> my payments on time."],"sub_product":["Payday <em>loan</em> debt"]},"sort":[19.683933,"3555102"]},{"_index":"complaint-public-v1","_id":"2556895","_score":16.762983,"_source":{"product":"Mortgage","complaint_what_happened":"I started a mortgage loan on XX/XX/XXXX with a company SouthEast mortgage. It started as a USDA loan they preapproved me on. Well after some time they contact me and say the house is too much for the USDA loan I needed to get the FHA loan and qualify for the GA dream loan for the down payment. XX/XX/XXXX I worked for myself and have filed for a tax extension. Which they have known about since they asked for my XX/XX/XXXX XXXX in the beginning. They said it will be fine most likely after the underwriter reviews it before conditional approval. Some more time goes by and turns out I did not qualify for GA dream like they said I did because of the XX/XX/XXXX tax extension which they already knew about but I guess forgot. I was told to get an appraisal to make sure the house was going to appraise for the sellers asking price. I did so because they kept telling me all my paperwork was pretty much good so far including the XX/XX/XXXX tax extension and my self employment of that year. So we get conditionally approved for the FHA loan and everything we sent over ( after explaining to them at least 3 times in e-mail and even more times over the phone had to remind the mortgage agent that I did not have XX/XX/XXXX XXXX or returns for them at this point ) and they just wanted a few more documents and explanations which I delivered to them. XX/XX/XXXX comes around we have already paid the inspection now and my mortgage agent stated \" the underwriter has approved everything '' when I asked about buying home insurance but was concerned if the underwriter was going to deny me because of the taxes ( since they kept asking for it no matter how many times I explained it to them it seemed ) after I bought insurance. So after being told my XX/XX/XXXX taxes were approved long before conditionally approved than being re-assured everything was approved and ready for closing on XX/XX/XXXX they got behind somehow we found out XX/XX/XXXX that we were not going to be closing cause they got behind and had to file for an 8 day extension. Later on in the evening I get a call saying the underwriter has decided to deny my loan because of my XX/XX/XXXX taxes and work year. Something I was told was okay since XX/XX/XXXX something they have known about for so long it took them until 3 days before closing to deny me based on information that never changed and they had access to review since XX/XX/XXXX. With this sudden change of heart by them I had already bought the appraisal and inspection and lost my earnest check. Not to mention I gave up the lease at my apartment so at the end of this month my girlfriend and newborn daughter and I will have no where to go because of this on top of them keeping all my money. The amount of XXXX XXXX and XXXX this mortgage company has caused my family with their lies and theft is unbearable with my current situation. Please help me I followed through on my due diligence gave them all the info they asked for and they scammed me.","date_sent_to_company":"2017-06-23T05:30:55.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"2556895","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"SOUTHEAST MORTGAGE OF GA INC","date_received":"2017-06-23T00:49:51.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I did so because they kept telling me all my paperwork was <em>pretty</em> much <em>good</em> so far including the XX/XX/XXXX tax extension and my self employment of that year."]},"sort":[16.762983,"2556895"]},{"_index":"complaint-public-v1","_id":"3523898","_score":16.536476,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Problem started I. XX/XX/XXXX I was told I was 3 payments behind I. XX/XX/XXXX. I asked for an explanation because that was not at all true went over receipts with her I paid two payments in XXXX and then I paid 1 in XX/XX/XXXX I just been a victim of a violent crime so what in the best state of mind and the manager kept telling me that I was three payments behind so I paid another few payments I even had the pawm my TV and some other antiques to pay by this. This manager of this particular title loan service was keeping my payments. Because I was never three payments behind the final straw was I got a letter XX/XX/XXXX stating if I didn't pay by XX/XX/XXXX my car would go into default. So I paid again before the default I've got a money order receipt for that but I could not find it when I was talking to this manager about it and she kept insisting every time I paid I didn't pay it but I was three payments behind all the time. I found that receipt after the fact of going through this again with her after paying the money for the default or to be paid by the day before the default date well I found the receipt tried to reach out to the man who owns the company could not get to him call his other locations I did not want to give them information because the person who is the manager of the store is who have the complaint against and they kept telling me that she was the one that I have to give all this information while I did not want to give the person who stole from me and put me into default knowing I wasn't in it but pushed it because she thought I couldn't find the receipt so I didn't know what to do. I was not going to give money to somebody they kept stealing my money so basically they gave we're giving me no choice I still have my car I even talked to an attorney but he said they would push me into arbitration. And I told the attorney they may have work things has he said in their contracts that basically protect them and not a consumer. But I said that is all fine and good but I have proof of the receipt and the letter she sent me if I didn't pay by certain date it will go into fault I have all that I'm waiting on a letter to show who signed for it and cashed it as being the manager of the store she is the one who has to cash those. So I was fraudulently put in default that payment don't know where it went and I've had mistress repo agents following me around I paid cash for my XXXX XXXX when my father passed away in XXXX so it was a real frustrating emotionally and mentally and cause me much stress me and my husband matter fact he had a XXXX XXXX dealing with all the stuff and constantly worrying about somebody taking the car when we paid our bills. Everything and everyone I've tried to reach out to in the legal area because I don't have a bunch of money to throw down to them no basically gives me the run-around also. All I want is an end to this I have the proof that I paid before default as I said and I was not sending the packet with all this proof in it to her whether I made copies or not because somehow if you can still as much as she sold and push somebody's car in The fault like that I wasn't trust and doing it and I said I reached out to the top the man who owns it never heard back from him I was other offices I said I had to deal straight with that manager that location that was it so I just felt like they had their foot on my throat.I 'm well paid over what I owe them on that loan I don't know what to do from here if she hadn't done that I've been paying the payments and it probably be paid off by now. I don't think anybody should have to go through this they're taking advantage of people like that holding our lives hostage when you give a manager somebody that's got full 30 over everything can change things this and other and you can only talk to them well that's pretty I don't even know where this is unbelievable and it's against the law. Please help me remedy this situation and also remedy it was the title loan company that they not do this to someone else they are messing with people 's lives and livelihood","date_sent_to_company":"2020-02-19T13:27:54.000Z","issue":"Loan payment wasn't credited to your account","sub_product":"Title loan","zip_code":"298XX","tags":null,"has_narrative":true,"complaint_id":"3523898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AutoMoney, Inc.","date_received":"2020-02-07T18:03:49.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I asked for an explanation because that was not at all true went over receipts with her I paid two payments in XXXX and then I paid 1 in XX/XX/XXXX I just been a victim of a violent crime so what in the best state of mind and the manager kept telling me that I was three payments behind so I paid another few payments I <em>even</em> had the pawm my TV and some other antiques to pay by this. This manager of this particular title <em>loan</em> service was <em>keeping</em> my payments."],"product":["Payday <em>loan</em>, title <em>loan</em>, or personal <em>loan</em>"],"issue":["<em>Loan</em> payment wasn't credited to your account"],"company":["Auto<em>Money</em>, Inc."],"sub_product":["Title <em>loan</em>"]},"sort":[16.536476,"3523898"]},{"_index":"complaint-public-v1","_id":"3831903","_score":13.017721,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im really hoping someone can help me make sense of my loans. They are extremely confusing. They can not be correct. There are so many different issues, Im not even sure where I should start or if you can help me. But I am extremely desperate to get this straighten out. It is controlling my entire life. My daughter and I cant find housing and are now currently XXXX due to inaccurate information on my credit report. PLEASE HELP ME! \nI went to school off and on over a 10-year period. I did finally receive my XXXX XXXX. I was a straight A student ; the only time I didnt receive an A is when I had my computer privileges taken away by my boyfriend. Yes, that is correct. He was extremely abusive and controlling. I can prove this. I also attend domestic violence support groups. I stayed with him for 20 years. Terrified to leave, not sure how I would support my daughter and myself. Of course, his threats didnt help the matter and he did a pretty good job of keeping me with no money ( even with the loans that he basically took complete control over ) I had nothing. The only thing that kept me going was he allowed me to do XXXX  XXXX. I did hundreds and hundreds of hours. I was even a XXXX ( XXXX XXXX XXXX XXXX ) Im not talking about an hour here or there, I volunteered on a regular base at least 25-30 hours a week. Of course, my volunteering never paid, so they were not threating to him at all. My point in telling you this is so you know I didnt just sit at home and do nothing all day. I can provide you with an list of all the hours I completed, where I completed them, etc. \nTwo weeks prior to our 20-year anniversary, I left him. I was so proud of myself. Upset that it took so long, but proud I finally did it. However, now my biggest fears are becoming a reality. \nWhen we first left, my daughter and I temporarily stayed with friends. But when I went to go look for an apartment, I found out my credit score is very low. The main thing on it is student loans. It says I owe nearly $ 100k. I was only at a 2-year community college. I probably completed maybe 80 units and 25 of them were in the 1st year. \nWhen I questioned the loan service providers they were not helpful at all. I asked for a breakdown of my total. They were not able to provide it. When I told them I know for certain I didnt borrow anywhere near that amount, they said that when I consolidated the loans ( something they told me I had to do ) that they added fees and of course there is interest. I cant believe there would be thousands and thousands of dollars in fees. Like over $ 50-60,000. Is that possible? How is this legal? \nIts even more upsetting because had I not been lied to, the student loans would be off my credit completely. Yes, I would still owe the money, but they wouldnt be on my credit, killing my credit score making it impossible to find housing. But the guy on the phone told me that it would never leave my credit, regardless how long it had been and that my only option is to consolidate, so that way it will say it is current. But this just reset the clock on my 7 years. They also told me if I didnt consolidate that I would go to jail. You have to understand, I would agree to anything to avoid ever losing my daughter. If I went to jail over this, I would definitely lose my daughter.\n\nIm desperate and dont know what to do. Every time I call I am lied to. This is my life ( and my daughters life ) they are playing games with. We are now homeless, her school is aware of the situation and has been very helpful, but they cant do anything about these outrageous charges on my credit report claiming I owe so much more than I do. If her dad finds out, he is going to take her from me. I dont have to tell you why this cant happen. \nI asked for proof of every loan they are claiming I had. They said the documents are on the states website. I found where the documents should be, but it only has one document. I asked for a breakdown of my charges, again, they said they couldnt help me. \nEverything is such a mess. It says I have late payments when I shouldnt. If you look on the Federal Student Aid website, under Program Enrollment History, it shows I was enrolled during most of those times. \nThen the loans are transferred and sold and transferred and sold. Each time pinging my credit. On the website it claims my original amount awarded is {$110000.00}. NO WAY!! They wont LOAN an  XXXX that amount! \nAgain, screwing me on late payments, here is an example, I was forced to go online and consolidate my loans on XX/XX/XXXX, clearly I filled out the required paperwork to put off payments. Thats the reason they guy called in the first place. It makes zero sense why I would have consolidated ( other than basically being told I had to do it ) but if they wouldnt have told me late payments would go away then I wouldnt have done it. However, the same day of the consolidation, the loan status history shows as in repayment then on XX/XX/XXXX deferment, then XX/XX/XXXX Forbearance, then XX/XX/XXXX in repayment, as so on and so on. When I consolidated, I was told that repayment plan was good for 1 year and I wouldnt have to recertify until XXXX of the following year. However, this wasnt the case. I was taken in and out of forbearance, repayment, and deferment several times in that year. Making me default and showing MORE late payments on my credit. I cant figure out who bought what and what my fees are. This is extremely upsetting. My credit is destroyed over it. I cant get housing. \nThere are so many issues here. I realize I would still owe the student loans ( not as much as they are claiming ) but a portion of it, but it would not be on my credit at all had I not been lied to by the rep that called me and told me it will never fall off my credit and I would end up in jail if I didnt fill out a piece of paper online. Come to find out this was all a lie. \n\nIm not asking for any handouts. I did borrow some money while I was in school. But you have no idea the situation I was living in at the time. Still that aside, how am I ever supposed to attempt to pay it back as a single mom, with no credit and the amount has quadrupled? Please help me figure this out. I cant find a place to live. I never thought student loans would destroy my life. \nI was looking at the breakdown on one of the consolidations and they have loans on there several times and then they have them added up and put on there again! This happens more than once! \nTo make matters worse, my dream is to become a paralegal and work for a non-profit helping single mom in abusive situations. Of course, that would require more schooling. Something I cant even consider now. \nPlease help me figure this out. I really need help. Im on the verge of losing my daughter and she is terrified to have to go live with her father. \nI have included a breakdown of when I was in school, how many classes I attempted, completed, term GPA, and what they are claiming I borrowed for that semester. Please note, even adding this up, it doesnt equal the amount they are claiming I owe. \nI did not include my classes at XXXX. That loan was different and isnt included nor disputed in any way. \nAny help you can provide me with would be extremely helpful. I need to resolve this ASAP. I hope they know that by lying to me ( misleading me ) they have left me homeless, not just me, my daughter too! \nMy credit report currently has 24 different student loan accounts. The status for about 10 of them say collection/charge off but they were transferred. Its just all so confusing! Please help me! \nOkay, I have more to add, sorry if I am all over the place, Im just stressed for time and can not believe this is happening. When I finally left my abusive situation, you have to understand that gathering paperwork was the least of my concerns. My main concern was getting myself and my daughter out in one piece. I left all paperwork behind. That said, I still know without a doubt, I never borrowed anywhere near the amount they claim. Ive asked several times for proof and nobody can provide it. \nOn the spreadsheet titled BREAKDOWN OF CHARGES ON CREDIT REPORT, I noticed that right as my 7 years would have been up they sold it so my clock started all over again. And then they finally bullied me into consolidating right as everything would have been leaving my credit report. Yes, Id still owe the money, but I wouldnt be suffering. Homeless with my daughter trying to find a place that will rent to me with a credit score of XXXX. \nYou will also notice there are some things listed more than once ( Im not talking about it listed twice do to transfer, Im talking about they charged the amount twice assuming I even owed that first amount. ) I already spoke to a professional about my credit and they said what is having the biggest impact on my credit score right now is the student loans, how high they are, how many late payments there are, how many loans there are etc. \nI also noticed, Im sure they do this to everyone, that on payment status they randomly say payment is okay or current so the 7 year mark starts all over again. I can guarantee you, I was never able to make a payment ( no way would he give me money to pay off the loans, even if he was the one that spent it. ) There is also no way I would not pay for 24 months, then pay for 3 months then not pay again for 12 months. They do this they dont have to remove it off my credit, since the 7 years start from date of last payment. I never made any payments. \nIm just upset that I was basically bullied, lied to, and threatened. You have to understand what I was going through, when they called and told me Id go to jail if I didnt make a payment or consolidate, the first thing I thought about was. Who is going to take care of my daughter? I cant leave her with her dad. Id have signed my life away to prevent that from happening. I started to let the guy do it on the phone, but then my ex came home, so he told me as long as I submitted it ( online ) by midnight I would be ok. But all of it was lies. You have no idea how stressed I was trying to figure out how I can sneak to fill out the application because if he knew I was doing it he would accuse me of trying to leave him or something totally not related. \nThere are also things that say parts of loans were canceled, but none of that reflects the total amounts. \nWhat do I want to see happen? Well, for sure it should be removed from my credit, had I not been lied to and threatened ; I would have never gone through with the consolidation. It would have already been off my report and I wouldnt currently be homeless. \nMy daughter has already been though so much, I just want to give her a decent life. Please help me figure this mess out! Any help you can provide would be greatly appreciated. Im a good person, I do a ton of XXXX  XXXX  ( thousands of hours. ) I went through a terrible time in my life, finally trying to get back on my feet and this is holding me back and stopping me from having even the bare minimum. \nPlease Please Please. Help me. \nMy information is below. \n\nXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Oh, and Page 17 on credit report shows all late payments, but the CARE Act made it so no payments were due on student loans for the last 6 or 7 months ... yet, it has my down as a negative for all those months.","date_sent_to_company":"2020-09-04T04:59:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"913XX","tags":null,"has_narrative":true,"complaint_id":"3831903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-09-04T04:59:23.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["Of course, his threats didnt help the <em>matter</em> and he did a <em>pretty</em> <em>good</em> job of <em>keeping</em> me with no <em>money</em> ( <em>even</em> with the <em>loans</em> that he basically took complete control over ) I had nothing. The only thing that kept me going was he allowed me to do XXXX  XXXX. I did hundreds and hundreds of hours. I was <em>even</em> a XXXX ( XXXX XXXX XXXX XXXX ) Im not talking about an hour here or there, I volunteered on a regular base at least 25-30 hours a week."]},"sort":[13.017721,"3831903"]},{"_index":"complaint-public-v1","_id":"2912531","_score":10.347576,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX To whom it may concern : On XX/XX/XXXX I called Equifax to request a full copy of my credit report, as well as I wanted to pay for my credit score.\n\nFor starters, I feel that my phone number is set up so that every time I call Equifax, I hit road blocks, my calls always go to the XXXX, or XXXX, somewhere out of the United States, every time this happens.\n\nI always ask for them to please transfer me to a United States representative, then I have to wait for long periods of time, I get hung up on after waiting at times, and I have to call again, and again, and again.\n\nI feel that my calls are intentionally being sent global, due to the fact that I have had to make, many, many, many complaints against Equifax to several agencies, for Equifaxs fraudulent, deceptive, malicious handling of my credit file for at least the past 6 years.\n\nAs well as I have had to have several attorneys to write them within the past 2 years, regarding their malicious deeds.\n\nOn XX/XX/XXXX when I called, my call went to it seems XXXX, I requested a United States representative, then I had to wait, and wait, so I hung up and called back.\n\nAgain, my call went to XXXX, but I was able to get this person to transfer my call to the United States.\n\nThe United States representative that I spoke to, I explained to her that I was calling to request a copy of my credit report, and I wanted to pay for my credit score.\n\nThe Equifax representative asked me all sorts of questions to verified who I was, then she asked me to wait on hold, after the wait, when she came back on the line, she decided that she wanted to charge me for my credit report as well.\n\nAt the beginning of my call, I had explained to the representative, that I was denied credit by XXXX XXXX, for their XXXX card recently, and I had been told by XXXX   that I could receive a free copy of my credit report.\n\nAs well as I have not received my yearly free copy of my credit report from Equifax.\n\nThe representative insisted that I needed to pay for my credit report, she was not willing to understand that I was eligible for a full free copy of my report.\n\nI asked the representative to please let me speak to a supervisor, she got a male on the phone, who claimed to be a supervisor, and from the time he got on the phone, with the way he was treating me, I could tell that he wasnt listening to anything that I was saying, he was going right along with the female representative that got him on the phone, as a supposed supervisor, all he did was give me a hard time.\n\nHe began by telling me that I had already received 5 copies of my credit report already for the year, which was not at all true, and he said that he was not able to provide me with a copy of my credit report, whether I purchased one or not, I could not get my credit report.\n\nHe also put me through this security question quiz, he first asked me for my social security number, I gave it to him, he then asked me to name 3 credit cards that I have, and the balances, I provided the information to him for nothing, because he had already asked me for my social security number, and the rep prior to him had also verified who I was. Basically they had me on the phone just for harassment purposes only, the so called supervisor did not sound at all genuine.\n\nI am noticing, more and more, that every time now, when I call Equifax for my credit report, or score there is always a problem. They lie to me and tell me that I will be receiving the credit report, or the score that I had paid them for in 7 to 10 business days, and they have not been sending me the reports.\n\nOr they claim that due to the fact that I complained on them, I have open disputes, and they cant provide me with a report until the dispute is done.\n\nEven when I dont have open disputes, there is always some reason why I am not getting them to send me my credit reports, or my score, and as stated previously, even if I had paid for the score, they take my money, and dont send me the score in the mail, I have had to contact my card providers on more than one occasion to get my money back.\n\nI have had to call my bank or credit card company on more than one occasion to request a refund for the money that I paid for the credit score, because they charge my cards, but they dont send me my reports or score, as I have requested.\n\nWhat they are also doing to me when I call to request a credit report or my credit score, is they claim that they have to do a further security check on me, they say that there are a few questions that they need to ask me. They will ask me questions as to items on my credit report, such as did you purchases a vehicle between certain dates, then they name vehicles, and I have to choose the right one, or they ask me to name 3 credit accounts on my credit file, and even when I provide them with the correct answers, they claim that I am wrong, and they refuse to continue speaking to me, and they refuse to give me the report or credit score that I called them for, then they end the call, this has happened over and over to me since last year.\n\nI can understand verifications, and I provide them with everything that they ask from me, but what they are doing to me now, is harassment, no matter how they verify my information, they refuse to provide me with my credit report, or score.\n\nWhat they have done pretty much for the past few years, especially all of last year, out of spite, is when I have filed some sort of complaint against them, and I have had to file many, because of all of the deceptive, fraudulent things they have been doing with my credit file, is they refuse to send me a full credit report, what they do, is they might send me a one, two, or three page report, depending on where the Item that I had complained about, fell on the report pages, but they will not send me my full credit report, as I have been requesting.\n\nNow I see that they are not trying to provide me with a credit report, at all.\n\nThey have also been spiteing me for years now, by doing whatever false fraudulent deception that they can do and get away with, to keep my credit score as low as possible, even though they know that my credit score should be much, much higher than where they have spitefully been keeping it for the past few years.\n\nIve applied for credit and been denied, due to the fact that Equifax continues to refuse to raise my credit score as high as where it should rightfully be.\n\nFor years now, they have been applying ( some of their Equifax rating codes ) that do not apply to me, and my credit file, yet they use their deceptive codes on my file, to keep my score in the toilet, I have complained, and complained, and complained, yet they still continue with their vindictive harassment practices.\n\nDue to the fact of my having to fight Equifax for the past few years, for them insisting on reporting false fraudulent information on my credit file, and them refusing to remove it.\n\nOr the fact of them removing my {$50000.00} plus dollars of paid off school loans off of my credit file, loans that had raised my credit score.\n\nAnd the representatives at Equifax removed, and erased the paid off loans off of my credit file thereby drastically intentionally lowering my credit score.\n\nThey had no valid reason for removing the loans off of my credit file, they were reporting the loans incorrectly, they were reporting the loans as though they were transferred and differed when they werent, they were fully paid off, and I asked disputed and asked them to correct the false information that they were reporting about my loans, and instead, they completely took the loans off of my credit file.\n\nAnd I have had other false derogatory information on my credit file that was not even mines, such as wrong addresses, where I have never lived, medical collection accounts that werent even mines, or for people that I didnt even know, as well as other collection accounts, and when I fight and get this fraudulent information, my credit score still wasnt raised. When they put false fraudulent information on my credit file, they take big chunks out of my score, even when the false lies that they had placed on my credit files have been removed, my score is still low, always in the toilet.\n\nThey have just continued to do so many treacherous things to my credit file, and my score for the past few years.\n\nIn XX/XX/XXXX I had contacted your agency, because Equifax was reporting my correct social security number on my credit file, as well as they were also reporting and attaching a fraudulent social security number onto my credit file.\n\nA social security number in which they refused to remove off of my file, the fraudulent number that they were reporting, the only difference in that number and my social security number, was that my social began with a 5, and the fraudulent number began with a 4, but everything else was the same as mine.\n\nAnd I always had concern that they had, had that fraudulent number on my credit file for not so good purposes.\n\nEquifax reported this fraudulent number on my credit file for over a year, no matter how many times I disputed the fraudulent social security number on my credit file.\n\nNo matter who I contacted at Equifax to have it removed, no matter what agency I disputed this information with, Equifax insisted on leaving this fraudulent number on my credit file. Equifax did not remove the fraudulent number off of my credit file, until I contacted your agency in XX/XX/XXXX.\n\nAnd even though the fraudulent social security number was no longer showing on the reports that I had received since XX/XX/XXXX, I always felt that somehow in their data base, the number was still there linked to my credit file.\n\nFast forward to last year XX/XX/XXXX, my Equifax credit file was one of the ones that got hacked into, and the representatives at Equifax did not advise me that my credit information had been breached.\n\nThe representatives at Equifax knew that my credit information had been breached, and they didnt tell me anything until months later after the breach took place.\n\nAlso, Equifax has been placing Alerts onto my credit file without my knowledge, or consent. They block my credit, and then they notify the other bureaus to do the same, without me knowing anything, and they repeatedly do this, even though I ask them not to. And when they do this, they lie to the other bureaus, claiming that I requested the alerts be placed onto my credit files, when in actuality, I did not.\n\nI request at every telephone call that I place to Equifax, that they make sure that there are no phone numbers on my credit file, then I find that they are not honoring my request, even though they tell me that they are, I find that my telephone number that is unlisted, is being placed onto my credit file.\n\nI tell them that I dont want to be blocked from promotions, I want the promotional offers, and then I find out that they have blocked me any way from the promotions.\n\nLast XX/XX/XXXX, I went before a judge and had my name legally changed from my married name, to my maiden name, and I notified, and provided Equifax as well as the other credit bureaus with the legal documentation from the Judge of the court.\n\nEquifax has my full legal name as it is now, and I asked that they record my name on my credit file, not showing my full middle name, only the initial if necessary.\n\nIf possible I would prefer my middle name and initial to be removed.\n\nAnd even though Equifax allowed my credit information to be previously breached last year in XX/XX/XXXX, they have not honored my request regarding my name change.\n\nWhat they have done instead, is that they have placed my full new legal name including my middle name onto my credit file, even though I asked them not to.\n\nThe malicious representatives at Equifax, are opening the door for my personal information to be breached once again.\n\nThey know what my former name was, they have all of the information on me, but instead of listing my name as I have requested, they have listed my full new legal name.\n\nAnd they have refused to remove my former name from my credit, they are using my former name as an AKA, formerly known as ( XXXX  ), I ask that they remove my former name from my credit file, and they have refused more than once.\n\nSo since XX/XX/XXXX, when I provided them with my new legal name, they have been putting all of my new information out there for all of the world to see, they are damaging my identity even further.\n\n( I have attached a copy of the page showing how they have my name listed on my credit file ).\n\n( And I have also attached a copy of the letter that I provided to Equifax regarding my name change ).\n\n( And I am also attaching a copy of a certified letter, dated XX/XX/XXXX, in which an attorney from the law office of XXXX XXXX XXXX XXXX. wrote to Equifax advising them of how they are harming me by not removing my former name from my credit file.\n\nEquifax should not have placed my former name on my credit file, since I provided them with documented proof of my legal name change in XX/XX/XXXX of this year ).\n\n( XXXX  ), my former name is not supposed to appear on my credit file at all, and on XX/XX/XXXX when I spoke to that useless supervisor XXXX, from ( team XXXX ), as he claimed.\n\nXXXX  told me that, ( XXXX ), was still listed on my credit file, and he refused to do anything about removing my former last name off of my credit file.\n\nAnd he also refused to contact whomever had the ability to take my former last name off of my credit file.\n\nIts not his life that is being messed up, so he just didnt care, all he wanted to know was that he was being a road block in my life.","date_sent_to_company":"2018-05-20T23:10:56.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"76063","tags":null,"has_narrative":true,"complaint_id":"2912531","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-05-20T22:57:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Even</em> when I dont have open disputes, there is always some reason why I am not getting them to send me my credit reports, or my score, and as stated previously, <em>even</em> if I had paid for the score, they take my <em>money</em>, and dont send me the score in the mail, I have had to contact my card providers on more than one occasion to get my <em>money</em> back."]},"sort":[10.347576,"2912531"]},{"_index":"complaint-public-v1","_id":"2848469","_score":7.313946,"_source":{"product":"Mortgage","complaint_what_happened":"Advised by XXXX XXXX, non-for profit debt solution service discovered earlier XX/XX/XXXXafter some negative results in dealing with both our mortgage company and several rescue type expense-up-front assisting services. WE DID NOT PAY, NOR MOVE FORWARD WITH ANY PAID SERVICE, as answered in earlier complaint application.\n\nWe purchased a repossessed modular home on 2.14 acres in XX/XX/XXXX from a manufacturer dealership XXXX XXXX Financing was managed through their mortgage side of their company, Vanderbilt Mortgage ; we being myself and my now 9-year. At the time we were both gainfully employed, ecstatic about the home purchase, the seclusion of property, and the potential for our wants/needs. The purchase price was {$86000.00} ; financed for 23 years at 9.760 % interest. ( It wasnt until later hardships and research that we learned the 23 year period was strange/odd to standard mortgages. ) I borrowed {$8700.00} down-payment against my retirement fund, which would be auto-deducted from my paycheck. Due to the repossessed status, XXXX XXXX had done some painting, cleaning up, new appliances, but minimal clean-up to the very junk-filled property. This quick purchase came with then then felt no hassle inspection or appraisal. We bargained for terms guttering, concrete walls replacing the skirting, and an upgrade in refrigerator. At the time our credit, especially mine wasnt very good and though the payment was high given other options, the property potential, we felt it manageable ; in a few years we would re-finance for better payments.\n\nXX/XX/XXXX-XX/XX/XXXX we made large improvements to the property landscape, fencing/gate, good size storage unit, hot tub, restored/secured barn, fire pit, junk/trash removal, landscaping, a 36 diameter above ground pool, larger hot water heater, eastside driveway to barn ( w/ water, electric, sewer ) and a rear partially covered 540 square foot deck.\n\nAt this point things started to turn harder for us. I had already been in a decline in health, the medical expenses increase, especially pharmaceutical began to pinch us financially. My absence from work led to usage of FMLA protected time, I tabulated leave hours against office hours and in XX/XX/XXXX I was ill on leave 16 % of the year ; at wages 80 % my pay rate, yet same bi-weekly deductions ( divorce required premium insurance for myself & kids, 401k loan payment, and child support ).\n\nHer tenure job began to change drastically, having 4 different regional managers in 2 years with a broad range of ideologies on targeted successes. At one time she was covering XXXX  of XXXX XXXX XXXX  in 3 states, without any income increase. The trend in that business decline, left for less commissions ; but more and harder sales works, while managing several branches. Unhappy, we felt an offered opportunity for an online sales with a known successful businessmans start-up company was a good decision. The salary was less, but with capabilities of remote work from home half her hours, and commission potentials it seemed a perfect fit. So she accepted a sales management position, managing a small sales time for this start-up company offering online software to a specific untapped niche. This was in spring of XX/XX/XXXX.\n\nIn the summer of XX/XX/XXXXshe suffered acute appendicitis, while painful usually relatively quickly treated matter. Her first hospital stay was 2 days, she returned to hospitalization 2 more times in the following 9 days admitted each time, her final stay was 3 days and required repeated procedures to take care of her condition. Recovery took months, but she was able to continue her work. While her teams online sales were at target, this specific kind of sales were for future program agreements often months or a year from the point of the sell. The sales database having been quite well built, and revenue being not-yet-forthcoming, the business decide to lay-off the salesforce. We were quite devastated, she filed for unemployment, but due to certain requirements and her willingness to leave the long-term management position unemployment benefits were much delayed.\n\nThis became the first dire struggle to afford the mortgage. I myself was still in declining health, in XX/XX/XXXXmy FMLA/leave hours were 32 % of my yearly wages ( @ 80 % my base pay rate ). She contacted Vanderbilt for assistance/help ; hoping to reduce our monthly payment or other options. We were declined any significant program assistance as they felt the situation was temporary, after further pleads they did offer some payment due date extensions. After being behind for some time they granted a payment deferment, moving one monthly payment to the end of the mortgage.\n\nThis forgiveness while helpful beneficially didnt help our situation enough, by year-end XX/XX/XXXXfrustrated with my health and prognosis with local care team. I was referred to the XXXX XXXX  in XXXX, Minnesota. Luckily the timing of their acceptance mid-XX/XX/XXXX, was at a point my health insurance had met my maximum out-of-pocket financial responsibilities. We rented a car, booked a modest hotel, and traveled to -20 degree MN weather for what was to have been an estimated 3-5 day evaluation. Completely funded on acquired credit cards, our stay was 10-days ; and unfortunately with minimal answers and guidance to my health despite massive testing.\n\nInto XX/XX/XXXXshe searched for jobs, not finding any opportunities near her talent, most interviews found her over-qualified through and through. She worked low-wage short-term jobs as she could find them, obtained her XXXX XXXX allowing her to XXXX XXXX, found part-time work at XXXX XXXX XXXX XXXX  locally, collecting any available unemployment benefits as allowed in lieu of hours/pays worked. She accepted a miserable XXXX XXXX XXXX XXXX  position for a XXXX XXXX ; her qualifications made it struggling with younger threatened career seekers. She worked for them, at $ XXXX/hour, but still found real pleasure and joy in her part-time work at the XXXX XXXX XXXX. Leading her to leave the XXXX XXXX, for a felt calling full-time with the XXXX XXXX, XXXX Missouri as a XXXX XXXX, making $ XXXX/hour. She has a degree in XXXX, was a XXXX XXXX, an XXXX XXXX XXXX XXXX, and XXXX XXXX for several businesses. But as a XXXX XXXX XXXX found her calling, in this low paying best-job-in-her-life.\n\nBy now we are financially stifled, my health only worsened, and bafflingly was intermittent and unpredictable. My XX/XX/XXXXleave to work ratio approached near half-worked hours/half-leave hours. Requests to Vanderbilt for assistance, payment reduction, or help were responded with denial, advising my leave pay, and our financial hardships were felt temporary. With the crumbling credit card debt, late mortgage, and shuffling utilizes. All exploration of refinancing through alternate financial sources, failed with the decline in credit ratings.\n\nWith no other options, I exercised taking out an additional 401k hardship loan, while only {$10000.00}. It was used to pay mortgage up, pay off credit cards, catch-up utilities, other overdue needs, and provide a little savings. This of course added further deductions to when on leave reduced pay. That ease, and those savings didnt last. I would work weeks or months without issues, and then be on leave for days to weeks, and for a few periods months. Requests for further assistance from Vanderbilt still were minimal, by XX/XX/XXXX she had earned enough certifications in her work, that she was promoted to an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; job increased her pay to her current $ XXXX/hour.XX/XX/XXXX, Vanderbilt still feeling our hardship was temporary extended a 2nd payment to the end of the mortgage period. This was the only assistance offered available.\n\nDespite working without health challenges last quarter of XX/XX/XXXX, her increase I wages, cutbacks on spending, and the XX/XX/XXXX forgiveness of mortgage we remained drowning in debt. It was at this point in reviewing Vanderbilt correspondence with her, HUD regulations, and services that seemed available at every corner of the web that I became active as the primary source of contact with Vanderbilt. The stress had taken its toll on her, our relationship became damaged, and we started XXXX XXXX to try to keep our family together.\n\nBy this time we were already behind on XX/XX/XXXXand XX/XX/XXXX mortgage payments, our payments are $ XX/XX/XXXX/month. Reading through their letter declining modification or any assistance based on the affordability of our home based on income to debt ratio, really became frustrating. I began regular correspondence and questioning of assistance. I started online researching to HUD, supposedly government mortgage assistance, even confirmed again that my XXXX XXXX  military time was not equivalent enough for those program assistance ( a status not once in my life, even as a student did I attempt to claim ).\n\nBy XX/XX/XXXX, Vanderbilt assigned a new single point of contact, XXXX XXXX at Ext XXXX. Now several things, one even with their extension, when you call you dont get to talk to whom you want or an extension they fairly aggressively tell you that that can help you. But in the phone calls from XXXX, I felt she was an advocate, not wanting us to lose our home. Wanting to understand our finances more. For several weeks we worked collaboratively. I provided many paycheck summaries, showing the variation from their always used $ XXXX/hour pay rate, to the 80 % reduced rate. Showing despite hours worked or hours leave the same {$190.00} health insurance, {$210.00} for 401k loan 1, {$41.00} 401k loan 2, {$180.00} child support 1, {$150.00} child support 2, & {$4.00} life insurances come out every 2 week check. That is a total of {$800.00} each bi-weekly check not counting taxes taken. At a reduced rate ( 80 % ) when on leave for 80 hour pay period it is {$1300.00}, after those deductions and taxes take home is minimal. Being on leave is extremely harmful to our lives financially. Take home is reduce $ 400-500 bi-weekly when on leave versus at work hours.\n\nIn addition for hardship explanation we were left compelled to share a lot of personal information and story. My medical histories and diagnoses of issues, explaining my struggles with intermittent leave. Looking back and re-reading the hardship letter written for some reference in writing this explanation, I am shocked how vulnerable I was and how releasing I was in the desperation we are in.\n\nI even went as far as provided true utility bills, accurate monthly pharmacy expenses, and estimated commuting fuel expenses. All of this was sent in faxes, the primary correspondence being sent XX/XX/XXXX. Vanderbilts response after review was that the home was still affordable based on income to standard % housing calculations. XXXX  appreciated advocacy was turned to same supervisory answers. XXXX XXXX, same as XX/XX/XXXXrequest denied any modification assistance still citing home is affordable. Repeated calls and confusion to the works provided and their review were made. We were even advised that any monies less than the full amount passed due, wouldnt be applied to the mortgage. That those funds would be held in a separate account until full due received, or something legal like that. There is a statement similar to that on each monthly statement : Each partial payments received are not applied to the loan, but instead are held in separate suspense account. The funds will be applied when the remainder of the payment is received.\n\n( Can elaborate further but until a recent phone call with Vanderbilt & XXXX XXXXXXXX XXXX XXXX   conference, we were led to believe no monies unless full balance passed to would even be applied to loan. Therefore with no cooperation to assist keeping home, or working with us. We stopped even considering managing payments to Vanderbilt. ) A supervisor XXXX XXXX who took one of the escalated calls told me nothing could be done, they could perhaps provide us some assistance in moving expense. This phone call occurred the first week of XX/XX/XXXX. ( A letter dated XX/XX/XXXX from XXXX  wasnt received until XX/XX/XXXX, 3 days before my XXXX, the letter was a true offer of Deed in Lieu of Foreclosure. ) It was at this time we stopped really dealing with Vanderbilt alone and direct, though recently further phone calls with an associate XXXX  have been made. Through internet research and ads still claiming Obamas Mortgage bailout assistance available, expiring in XX/XX/XXXX ; I did find several services promising help.\n\nI first began with a very friendly seemed-advocate person named XXXX XXXX, from XXXX XXXX XXXX XXXX. Again very personable, all about helping us. Since at the time just gotten default notice from Vanderbilt on XX/XX/XXXX he provided all assurances they could keep us from losing our home. Considering our hardship, outrageous interest rate, and odd mortgage term they could most likely reduce our monthly mortgage rate. During one of the initial calls he conferenced in Vanderbilt confirming rates, terms, balances, and what assistances had been requested, offered, and denied. I completed required paperwork, application, and faxed data including copying XXXX on the very personal hardship letters provided to Vanderbilt. XXXX seemed very legit. Their website is filled with testimonies, their business ratings and accolades well-advertised. XXXX copied me on correspondence with attorney XXXX XXXX  at XXXX XXXX XXXX XXXX. I sent them the Lien in Lieu of Foreclosure when received XX/XX/XXXX; and despite having fairly evasive XXXX XX/XX/XXXX ; we scheduled a conference call during our long commute home from hospital XX/XX/XXXX afternoon to discuss our case review.\n\nVanderbilts Deed in Lieu of Foreclosure offer, letter dated XX/XX/XXXX ; received post mail XX/XX/XXXX ; offered {$1000.00} if we could vacate the property in good condition by XX/XX/XXXX. The offer though negotiable was to expireXX/XX/XXXX.\n\nOn XX/XX/XXXXon our way home from hospital in XXXX XXXX, we received only a call from XXXX making sure we would be available for the next 20 minutes. 2 hours later, we received a call from someone in claims at XXXX. We were initially advised it would be some sort of conference call, with XXXX, the law office, and claims. But only the claims gentleman was on the call, it was near XXXX Central time when he called. His news was amazing at first, they could keep us from owing the back mortgage monies piled up ; and keep us from losing our home. We were ecstatic, even fist bumping as the call started. But then the tone of the business changed. As fees and monies needed discussed. Four monthly installments of $ XXXX/month would retain their services, for which at the end of four months we would just continue mortgage payments to Vanderbilt, and the past due mortgage payments and the further months accrued would be added to the end of our mortgage terms such had be completed twice before by Vanderbilt. They then mentioned that though there was NO GUARANTEE, that he had experience with Vanderbilt from other clients and that they could possibly get our monthly rate reduced, but couldnt even begin to state to what rate. That the Obama created mortgage assistance programs had expired, that mortgage assistance privately is internally provided and required by HUD regulations, but Vanderbilt controls their assistances offered.\n\nWhile I was pretty stoked still, she was not. While continuing to drown in debt and juggle and struggle, paying that expense to retain, buy perhaps a season longer in our home to only be back in the same place come fall/winter struggling with a payment XXXX/Vanderbilt wouldnt modify or reduce. We have remained at that impasse since. From this point without agreement or date promise to pay XXXX, their calls and contacts became so much less advocacy and more sales/collections like. This definitely steered us away.\n\nAs the XX/XX/XXXX deadline approached ( 4 days XXXX ), at really her request I contacted Vanderbilt once again. They were made aware of my XXXX  several times, even calling day prior for a collection/update. The Vanderbilt associate I spoke with seemed to understand our dilemma, and verbally on phone agreed to hold off any further actions for 2 further weeks,XX/XX/XXXX.\n\nWe wrestled with the challenges and concerns of XXXX & Vanderbilt collectively. I even tried alternate similar services, though didnt take process/application as far who admitted they have a $ XXXX- {$5000.00} retainer. She went and visited informally with attorney at bankruptcy options, none of which made the home affordable.\n\nWe understand that a millionaire can by a mansion, lose all his money and then lose his mansion. We dont live in a mansion. It is a modest home, per web-based appraisals as high as {$150000.00}, but we have always thought it closer to {$120000.00}. That is frustrating that it is an {$80000.00} balance, and we can get no solid support from Vanderbilt.\n\nIn desperation I began federal government searching, coming across a HUD XXXX  number. Its system requested I enter my zip code to find the closest assistance office ; it found none near home, but offered an alternate XXXX  number. I called that number, had an intake interview with a gentleman providing me information about HARP program, case call-ID #, and XXXX number to XXXX XXXXXXXX XXXX XXXX.\n\nMy first phone call to XXXX XXXX representative XXXX, lasted for near 4 hours. She took all our financial information and story. Provided us information about scams and paying for mortgage modifications. Told the story directly when discussing our budget and monies how much deficit we are currently in. For weeks now I have been working through the scam avoidance site, bankruptcy education, budget assistance, and reduction of the deficit possibilities. I have been calling Vanderbilt also, but not finding any further validity to potential modification.\n\nCOMPLAINT SPECIFICS : During XXXX  intake interview, we called Vanderbilt she verified information about the mortgage speaking with Vanderbilt associate XXXX, of whom I have spoken with on multiple occasions now. While XXXX was there online for support, she did let me ask and get full summary of the situation, Vanderbilts position on the account and history of requested support. Here is where it gets me, and apparently got XXXX  with XXXX XXXX, as she insisted I contact you and file a complaint. In a single phone call with Vanderbilt representative XXXX, assistance was denied based on the home is affordable based on their review of income ( as explained earlier, with their consideration only of my $ XXXX/hour ) ; then in micro-moments later as I questioned options of modification assistance can not be considered because we cant afford the home. Literally in one moment, just minutes really of conversation the entire denial spectrum from havent helped because we tabulated our percentages and it shows its affordable to the now wont help because you cant afford the home. With the very list of options on their own denial letters, no assistance other than the short notice Deed in Lieu of Foreclosure is considered.\n\nConsidering what I understand these internal programs are supposed to offer mortgage clients this doesnt seem right. They should have helped when her income dropped, they should have helped now. Our mortgage interest is really off standard as is our year terms. I am continuing to work with XXXX XXXX and trying to convince my girlfriend, paying Vanderbilt the entire passed to would get us some time to work with XXXX XXXX, Consumer Finance and others to see if modification possible.\n\nIf not, we can explore listing the home for sale and or other options. I agree we will struggle to continue to pay this mortgage payment monthly, but catching us up will buy us some time to be in a better than foreclosure lost position. I dont know if the home would sell, I would prefer us to keep our home or sale for enough profit to help our debts and set us up for smart financial future. The addition my health uncertainties, benefit payments, and job status really adds to the struggles making a smart decision.\n\nXXXX  on that phone call gave us until tomorrow, to make a decision. She and I will be making a decision whether or not to for the last possible time drain some retirement she has to buy that time. She is not sure that is a wise investment of the minimal monies we have, considering the likelihood of losing the home anyways without some sort of modification.\n\nPlease advice.","date_sent_to_company":"2018-03-20T18:39:06.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"64850","tags":null,"has_narrative":true,"complaint_id":"2848469","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VANDERBILT MORTGAGE & FINANCE, INC","date_received":"2018-03-20T18:28:53.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["( Can elaborate further but until a recent phone call with Vanderbilt & XXXX XXXXXXXX XXXX XXXX   conference, we were led to believe no monies unless full balance passed to would <em>even</em> be applied to <em>loan</em>. Therefore with no cooperation to assist <em>keeping</em> home, or working with us. We stopped <em>even</em> considering managing payments to Vanderbilt. ) A supervisor XXXX XXXX who took one of the escalated calls told me nothing could be done, they could perhaps provide us some assistance in moving expense."]},"sort":[7.313946,"2848469"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1},{"key":"FHA mortgage","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan debt","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Title loan","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":1}]}},{"key":"Loan payment wasn't credited to your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Collected or attempted to collect exempt funds","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":5},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":4},{"key":"Closed with monetary relief","doc_count":1},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"AutoMoney, Inc.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"ONEMAIN FINANCE CORPORATION","doc_count":1},{"key":"SOUTHEAST MORTGAGE OF GA INC","doc_count":1},{"key":"VANDERBILT MORTGAGE & FINANCE, INC","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":1},{"key":"GA","doc_count":1},{"key":"MO","doc_count":1},{"key":"OH","doc_count":1},{"key":"SC","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}