{"took":84,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":17,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2590498","_score":18.050821,"_source":{"product":"Student loan","complaint_what_happened":"I am XXXX XXXX due to a rare, chronic and incurable illness, and have been out of work for more than one year. The only source of income I have is XXXX XXXX which is n't enough to cover my medical needs. Navient completed a financial assessment stating I 'm about {$6700.00} short of monthly expenses. My student loans are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one loan. To pay this, I 'll have to forego medication each month. XXXX more loans were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}. Though this amount will mean I must forego more medication, I needed to accept it or risk my parents being sued for a debt that belonged to me. The payment was to be drafted at the end of each month. I received a call at approximately XXXX from the representative who set the program up for reduced payments. He told me that his supervisors manager denied my reduced payment request because of my revolving credit payments. Somehow being {$6700.00} in the negative has no bearing on my ability to afford to make student loan payments. He then said I had until XXXX to pay $ XXXX+ to add to the {$280.00} drafted today for the loan program I agreed to. He would n't give me the managers name nor transfer me. But he said my loan would officially default now, as a result which was not supposed to happen. I was mislead into giving navient access to my account. I called the advocate office and they would n't open a complaint for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of pain due to the XXXX. I do n't know what else to do at this point. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, money has been taken and threatened with loan default and possible legal action.","date_sent_to_company":"2017-08-01T05:23:42.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"2590498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-08-01T00:35:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["Navient completed a financial assessment stating I 'm <em>about</em> {$6700.00} short of monthly expenses. My <em>student</em> <em>loans</em> are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one <em>loan</em>. To pay this, I 'll have to forego medication each month. XXXX more <em>loans</em> were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}."],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"],"sub_issue":["Can't get other flexible options for repaying your <em>loan</em>"]},"sort":[18.050821,"2590498"]},{"_index":"complaint-public-v1","_id":"4154086","_score":17.23906,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-21T05:53:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4154086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-21T00:48:38.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The judge declared by case to be a hardship case and ruled that even the <em>student</em> <em>loan</em> to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one <em>point</em> they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL!"]},"sort":[17.23906,"4154086"]},{"_index":"complaint-public-v1","_id":"2938989","_score":16.42257,"_source":{"product":"Student loan","complaint_what_happened":"My daughter has some private student loans with NAVIENT and we need assistance please. Im sure youll find this ridiculous and thats okay but we are petitioning to have her loans reduced, partially forgiven or ANYTHING that will get these ABSURD balances down. Ive checked the original amount of the loans and then looked at what the balances are now she isnt making ANY HEADWAY at all and has been making payments for EIGHT years. And your folks are telling her that her monthly payment will eventually need to be around {$1200.00} AND that she needs to make payments for another 28 YEARS!!! That is the most absurd thing Ive ever heard. Its like paying off a house! She only brings home just over that amount and she cant even live out on her own BECAUSE of THIS! \nShes been working with your company IN GOOD FAITH she stays in touch ALWAYS makes her payments. Shes qualified for interest rate reduction in the past and has to requalify again and again - then as soon as the qualification runs out you people raise her payment AGAIN! Its ridiculous. I want to know WHO can get this rectified. As XXXX  Mother I WILL NOT STOP until we get this to a reasonable and manageable point for her. She is MOST willing to pay you but you make it IMPOSSIBLE and its  just nuts. Youre predatory and I know you have MANY pending lawsuits against you right now with the CFPB for for systematically and illegally failing borrowers at every stage of repayment. And I fully understand this You are STEALING money from young folks who are trying to have a LIFE. My child wants a LIFE she wants to be able to buy a house even LIVE IN AN APARTMENT on her own but because of Navient shes held back. And I just will not stand for it anymore. MY CHILD DESERVES A GOOD LIFE without the PAIN and FEAR of these ridiculous loans staring her in the face. Think about how YOU would feel if this were your child. She went to college to better herself and make a life for herself - NOT to be dunned and dogged by the likes of Navient for the next 30 years.","date_sent_to_company":"2018-06-18T17:00:31.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"2938989","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-06-18T16:34:28.000Z","state":"AL","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["MY CHILD DESERVES A GOOD LIFE without the <em>PAIN</em> and FEAR of these ridiculous <em>loans</em> staring her in the face. Think <em>about</em> how YOU would feel if this were your child. She went to college to better herself and make a life for herself - NOT to be dunned and dogged by the likes of Navient for the next 30 years."],"product":["<em>Student</em> <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"],"sub_issue":["Can't get other flexible options for repaying your <em>loan</em>"]},"sort":[16.42257,"2938989"]},{"_index":"complaint-public-v1","_id":"4175119","_score":15.827896,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX  were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and disabled and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:18:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4175119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-03-01T21:14:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The judge declared by case to be a hardship case and ruled that even the <em>student</em> <em>loan</em> to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one <em>point</em> they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL!"]},"sort":[15.827896,"4175119"]},{"_index":"complaint-public-v1","_id":"4174899","_score":15.800776,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:14:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4174899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-01T20:15:02.000Z","state":"AK","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":["The judge declared by case to be a hardship case and ruled that even the <em>student</em> <em>loan</em> to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one <em>point</em> they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL!"]},"sort":[15.800776,"4174899"]},{"_index":"complaint-public-v1","_id":"4169191","_score":15.792009,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, XXXX less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \n\nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone ele to try and collect on AFTER discharge, which is illegal, PHEAA is now claiming I owe {$20000.00} addtional in fees. ( HA HA HA HA HA HA HA ). AS IF! In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \n\nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am XXXX and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \n\nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX I lost my XXXX, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX  and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-26T21:29:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4169191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-02-26T20:24:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The judge declared by case to be a hardship case and ruled that even the <em>student</em> <em>loan</em> to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one <em>point</em> they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL!"]},"sort":[15.792009,"4169191"]},{"_index":"complaint-public-v1","_id":"3180846","_score":15.273326,"_source":{"product":"Student loan","complaint_what_happened":"I am an XXXX Veteran, I was lied to that my Tuition Assistance  would have take care of my education. Now I am stuck with this debt. The XXXX XXXX XXXX pressured me into a high expensive private loan ( 6 % ) telling me once my TA will come in that it would pay it off. He also encouraged me to apply for XXXX XXXX, which I never received any of that. I had never used my TA before with the XXXX and I didnt know how it worked. I didnt think the Staff Member would have lied to me and I believed this was true. Once the school started I was unable to request TA because it needed to be approved before I started and the Admissions started me quickly. XXXX XXXX College had high-pressured sales tactics to get students to enroll and remained enrolled. It is proven that XXXX XXXX also deceived and misled students about financial aid options, salary rates after graduation, the transfer of credits, and career placement assistance. I knew I didnt want to stop my education after career point. One of the most important things I asked was if my credits were going to be transferred to other schools so I can continue my education. They assured me that they were all transferable and later found out that no school took my credits to continue my education. After I finished the program there was another 100 % guarantee that there would be job placement. What this meant was me showing up and looking for jobs on their computers. No one guiding me through where to look. I had no experience just the XXXX XXXX  diploma. I finally found a job that wasnt in my program. I was lied to and now I was left with a big loan that TA was supposed to take care of. My personal life is still being affect by these student loans I am unable to pay for. I have defaulted on them numerous of time because I am unable to pay the loan of {$19000.00} back. In XXXX, XXXX XXXX was on local TV news, lamenting the demise of XXXX XXXX, which operated campuses in XXXX XXXX and XXXX, Texas, and XXXX, Oklahoma. Faced with findings by the XXXX Department of Education that XXXX XXXX had engaged in financial aid fraud and mismanagement, and with lawsuits filed by a growing number of his former students, XXXX told an interviewer, None of my salesmen have ever been accused of lying to students. \nStudent loans underwater Tuition and fees for XXXX XXXX 's medical assistant certificate program totaled {$19000.00}, according to financial aid documentation in the lawsuit. The interest rate for a roughly {$5900.00} in subsidized loans and {$4600.00} in subsidized loans was described to be 4 percent each. The bulk of the degree would stem from a XXXX XXXX estimated to be more than {$8800.00}. If the total loan package was {$10000.00} and the repayment term was 120 months, which is the standard, the student would pay {$13000.00} over 10 years. But each of the students said they owe {$21000.00} to {$30000.00} in loans, but didn't specify the interest rate. The entry-level salary for XXXX XXXX in the XXXX XXXX XXXX area is only {$21000.00}, according to the Texas Workforce Commission. For experienced workers, the average pay in the local region is {$32000.00}. \nFederal funds not accounted for The U.S. Department of Education confirmed that XXXX XXXX College has not paid credit balances for graduated students, which total {$420000.00} and that the school has not returned {>= $1,000,000} of XXXX  XXXX program funds wired to the school for students who had withdrawn from the college. After XXXX XXXX reported employee mismanagement, the federal agency changed the way it distributed funds to the college from a method that enabled the school to get payments in advance for students to a reimbursement process. In addition, it enacted more monitoring of the college 's financial accounts related to student funds. XXXX XXXX was offered the option to obtain a {$10.00} million letter of credit from a financial institution, or 25 percent of the federal funds it received, which would have enabled it to continue operating under stricter supervision. The company 's XXXX XXXX campus annual revenue was roughly {$20.00} million, but it had a profit margin of less than {$3.00} million each year, according to self-reported state records. The student attorneys in the first case are seeking a temporary restraining order and temporary injunction to stop the school from altering existing documents, transferring money out of the business beyond ordinary transactions and moving assets. \nStudents missing money The students ' attorney XXXX XXXX, at XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX asserted that XXXX XXXX employees did not inform students that the college must release funds to students obtained through the XXXX XXXX programs, whether it was grants or loans. Beyond that, some students claimed the funds allotted to them were missing. \" Certain plaintiffs never received a penny of their XXXX XXXX and XXXX XXXX 's use of these funds remains unknown, '' XXXX said in the court documents. \" XXXX XXXX even went so far as to charge its own students for appointments with the financial aid office, taking further advantage of their students ' limited financial resources. '' XXXX & XXXX The attorneys allege that even after reporting its own employees misconduct to the U.S. Department of Education, the school continued to enroll new students up until XX/XX/XXXX. \" The defendants ' actions are deceptive, fraudulent and were clearly designed to keep the money flowing, '' XXXX argued. \" XXXX XXXX promised its students a bright future. Instead it breached its contract with plaintiffs, leaving a dark cloud over their future. '' Furthermore, the attorney claims that XXXX XXXX did not alert Texas authorities that it had been added to the U.S. Department of Education 's heightened cash monitoring list, such as the Texas XXXX XXXX XXXX XXXX. \nA former XXXX XXXX admissions employee, XXXX XXXX, complained to Texas authorities in XXXX that she was laid off after four and a half years after she raised concerns about misconduct at the school. ( XXXX provided me with a copy of the complaint that same year. ) Among the bad behavior XXXX alleged in her written complaint to the Texas Workforce Commission : that the school would input grades that did not exist to ensure the student had enough credits to validate collecting more money ; that XXXX XXXX is aware of the Federal Financial Aid Fraud that has taken place in the form of Admissions Reps. instructing students to electronically sign Parent Plus Loans for parents who would not sign ; that Fraudulent Tax Advisor Id Numbers were being used by Admissions to get students through the Federal Financial Aid process when they did not have the adequate documentation ; and that the school allowed enrolling mentally ill students who do not have support groups and whom Admissions had them randomly acquire numbers from phone books to get them through Financial Aid ( FA ) since the Financial Aid form has to have six support group numbers listed. \nXXXX complaint further claimed, In Admissions, we were trained about the sales practice of making a friend to get the students to trust us and then we were supposed to make them feel the pain of how lousy their lives were so that we could then get them to think XXXX XXXX could save them. We were trained that good sales reps. could make the prospective students cry. We were trained that once we broke them down, we could build them back up with the concept that we were there to change their meaningless lives .... If a student came in and completed FA but decided that they wanted to go home to think about it, team leads would be called to do their hard sales pitch. If they were not successful, the prospective student was then taken to the Director of Admissions to be even pressured further. The tactic of making them feel worthless was reiterated until they signed up for school. This was done to mentally ill prospects as well. \nThe XXXX complaint also alleged that the school concealed the felony convictions of new students to ensure their eligibility for financial aid. When one graduate complained to the school that she then couldnt get the job she sought because her felony conviction was deemed disqualifying, and then learned that a school official had apparently forged her signature on documents, she filed a police report. According to XXXX XXXX complaint, the school then covered that students loans in exchange for her dropping the charge. \nXXXX further claimed that XXXX XXXX hired its own graduates on campus to increase reported job placement rates ; but, As soon as those students are accounted for as being placed, they are laid off.","date_sent_to_company":"2019-03-15T16:40:24.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"77356","tags":"Servicemember","has_narrative":true,"complaint_id":"3180846","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-03-15T16:31:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["XXXX complaint further claimed, In Admissions, we were trained <em>about</em> the sales practice of making a friend to get the <em>students</em> to trust us and then we were supposed to make them feel the <em>pain</em> of how lousy their lives were so that we could then get them to think XXXX XXXX could save them. We were trained that good sales reps. could make the prospective <em>students</em> cry."],"product":["<em>Student</em> <em>loan</em>"],"issue":["Getting a <em>loan</em>"],"sub_product":["Private <em>student</em> <em>loan</em>"],"sub_issue":["Fraudulent <em>loan</em>"]},"sort":[15.273326,"3180846"]},{"_index":"complaint-public-v1","_id":"8238457","_score":14.547995,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to report an old issue that continues to haunt me because I see student loan servicers continue to foul up. I've read some similar stories online recently but nothing seems as severe as my experience years ago. I have some documents and communication from all those years ago as I sought help but really couldn't find any. A big portion of the story is not documented because it felt hopeless and useless at the time trying to fight Sallie Mae. Additionally, many of the interactions were over the phone, which are not something I can reproduce from a hard drive 15 years ago. \n\nFirst off, no one ever told me about IDR plans or at least that I could have potentially had {$0.00} due every month with my income being too low or unemployed. I did however use deferment and forbearance options for both my Private Signature Loans and FFEL/consolidation loans. I continued to do so until I ran out of deferment and forbearances on my Private Loans. The problem was that when I became delinquent on those Private Loans, Sallie Mae who was my servicer at the time, would not speak to me or help me deal with my FFEL/Consolidation Loans. Eventually because of the wasted time, frustration, I gave up and the loans went into default. \n\nMy employment was generally freelance and erratic with some stability at times with a university research position where I was considered a temporary employee without any benefits. I had low/irregular income most years after graduation then after the Global Financial Crises in XXXX became completely unemployed. I had tried submitting a low income deferment, but kept getting denial letters. When I would call to discuss the denial with Sallie Mae I would connect with representatives who would harass me about paying my Private Loans, when I simply wanted to speak to someone who could talk to me about my Federal Loans. I would get transferred to someone else who was supposed to help, but would get the same story about them not being able to help. I was transferred and transferred again to never get anywhere in the end. I was even told by at least one representative that they couldn't help me with the Federal Loans until I set up a payment for the private loans. \n\nAt some point I was told the documents I had submitted were unreadable. Once they received acceptable copies, I was told the documents where then out of date because they had become to old to use in the time it took for them to receive and process. I gave up figuring I was just wasting my time with Sallie Mae. The Federal Loans went into default and my tax return was garnished completely. Of course that was upsetting, but at the same time my credit was already destroyed because of the Private Loans and was also sued by Sallie Mae for those loans. I went into bankruptcy, which paused the legal proceedings for the Private Loans. Luckily, the statute of limitations ran out on Sallie Mae, but the judge gave them a year to refile, which they never did. \n\nIn the meantime after bankruptcy I had to try and reestablish my credit and my life. I had already consolidated my loans once before and could not do that again, so my only choice was rehabilitation, which was also fraught with problems from the servicer ( XXXX  ). I got through and finally about 10 years ago was able to get on the IBR plan. Since then, life has been a little easier, but the years of turmoil, struggle, and lies from Sallie Mae caused me a lot of pain emotionally, but also physically as the stress aggravated my XXXX XXXX The egregious actions and business practices of Sallie Mae have left me metaphorically and literally injured financially and physically. I wish something could be done to rectify the injustice that I've had to live with for decades.","date_sent_to_company":"2024-03-14T16:00:07.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"34655","tags":null,"has_narrative":true,"complaint_id":"8238457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ECMC GROUP, INC.","date_received":"2024-01-29T04:48:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["When I would call to discuss the denial with Sallie Mae I would connect with representatives who would harass me <em>about</em> paying my Private <em>Loans</em>, when I simply wanted to speak to someone who could talk to me <em>about</em> my Federal <em>Loans</em>. I would get transferred to someone else who was supposed to help, but would get the same story <em>about</em> them not being able to help. I was transferred and transferred again to never get anywhere in the end."],"product":["<em>Student</em> <em>loan</em>"],"sub_product":["Federal <em>student</em> <em>loan</em> servicing"]},"sort":[14.547995,"8238457"]},{"_index":"complaint-public-v1","_id":"3840947","_score":9.930425,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So when I finally decided to do the smart thing like I should have been doing all along and Monitoring my credit much closer. This included not only who was reporting information but what information was actually being reported, and thats when I noticed the largest discrepancy on my report. XXXX by themselves had reported XXXX separate student loans, now this number is probably accurate, however the issue is the information they reported. The dollar amounts were incorrect, it did not reflect any payments that I made while I was in school, finally all XXXX accounts actually reflected the EXACT same three months from the same year ( which some loans didnt even exist at that time ) where there was a 90 day, then a 120 day, and finally a 180 day past due payment in consecutive order. These numbers dont even make sense because if you were 90 days then 120 days you dont automatically go to 180 days past due. I have disputed this information on six occasions because I could only dispute so many at a time and there are still XXXX accounts that are incorrect, they are still showing missed payments they are still showing delinquent status they are still showing that the loan was charged off when it was actually paid in full And satisfied so it should be a closed account showing paid in full but thats not the case. It reflects this way on all three credit bureaus which by threXXXX separate expert opinions ( XXXX and credit specialists ) show it could be affecting my credit score by as much as XXXX to XXXX points! I am at a complete loss because when I called to talk to XXXX ( yes XXXX XXXX that which I have done on at least 15 separate occasions not only do they continue to tell me it will be corrected it will be corrected it will be corrected but its never corrected, then when I question other accounts they tell me oh well those accounts were sold off, but they dont know who they were sold off to. I live in Nebraska and their office is located in XXXX, Ive even gone there in person and set appointments up and spoken with individuals that have assured me and guaranteed me everything would be corrected and this has now been three years long from when I started to current. \n\nSo now there is no way for me to track them down because I go as far as the information takes me and I have even called called 10 or 12 different major student loan providers that buy loans from the Department of Education and none of them show any record of me holding an account with their company or an account being bought out by their company in my name. I am in my mid-30s and I can only repair my credit so much because I cant qualify for a major purchase such as a home to really solidify my credit and establish more than just buying vehicles and selling them with all payments being made on time and all loans being paid back in full. This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my student loans but with numerous other accounts. Between my three credit bureaus my student loan accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home. So my wife and I have XXXX children and cant even purchase a home because her income is not enough By itself to qualify, and heres the kicker which some people may be shocked and some people may not be shocked. \n\nI am 100 % permanently XXXX Combat Veteran and a medically retired Airborne Infantry Sergeant ( E-5 ) the United States Army. I was forced to medically retire, it was not a choice. For 10 years I was a what they considered limb salvage before finally I lost my leg above the knee on my left side. I have a XXXX XXXX injury that prevents me from being able to do you a lot of things independently such as bathing or dressing myself or taking care of my children all the time. I have a Trumatic XXXX   XXXX that has caused me to have to re-learn how to walk when combined with my invitation, I had to learn how to time I shoes again in my mid-20s, I did learn how to drive again but it was hard. It was extremely hard because I could not understand and comprehend traffic laws, they just would not process in my mind. I have to spend a portion of each and every single day either on crutches, walking with a cane, or in a wheelchair which limits what I am and Im not able to do although I dont let it limit me as much as possible theres only so much that I can do. This is not a sob story, this is not to make anyone feel bad for me, this is just To show that on top of everything else thats going on in my life I have been dealing with now I have been dealing with these banks and loan agencies and whatever they are referred to, right there is a prime example because I cant think of the proper term and I have paused my statement for over 15 minutes now but its XXXX AM and I have not been to sleep in almost 72 hours because of the pain, because of my XXXX XXXX, because of the nightmares, because of the flashbacks, because of the XXXX, and all of these things are amplified by the stress that this has put on to myself and my family. \n\nA lot of people blame the department of Veterans Affairs for such a high suicide rate among veterans but Ill be the first one to tell you maybe not the first one but I will be the first one to confirm if somebody else has said the same thing that situations like this that amplify all of these different things that we suffer from mentally probably contribute more to veterans committing XXXX   than anything that has to do with the department of Veterans Affairs. The reason I say this is because it puts so much stress on to not just a veteran but his or her family and then that can lead to marital issues and divorce and the break up of a cohesive family, Now you tell me if you have somebody that has been through a similar situation as I have and I have undergone XXXX major surgeries under sedation to date that for eight years I have been trying to rebuild my credit so I can rebuild my life and Ive already been through one marriage that ended in divorce, however I am now married to the woman that was meant for me, whom by the way had to quit her job and quit school to become my full-time caregiver because I need help every single day just to get out of bed, to take a shower or take a bath, to get dressed, to remember things, to get two appointments, to make sure that I take my medication, to make sure my medication is refilled, to make sure that I dont stress out to the point to where I have a XXXX which my XXXX condition developed as a result of my XXXX XXXX XXXX and my XXXX XXXX injury. \n\nSo I just want this information to be put out there, I want this information to be corrected, I want to be able to get my life on track and I want to be able to move past this. I want this stress out of my life, this needs to be known this needs to be in bank public because a lot of veterans dont talk about it because its embarrassing. Its embarrassing because we are supposed to be able to provide for our family as men, this is our way of thinking, this is the way that I was raised. Thats not to say that the woman or the wife in the relationship or marriage cant work or cant make more money and be the breadwinner, its just the mindset in the way of thinking that I am trying to explain. So there it is in black-and-white, that is a snapshot of my life on a daily basis and what I deal with because on top of all of that that I just explained I didnt mention that my oldest son is XXXX, he cant speak he cant walk he cant take care of himself he cant bathe him so if he cant feed himself so he relies on myself and Primarily my wife to be able to do that to be able to live basically, so my wife has my self and my son to take care of all while not being able to work or go to school or do what she wants to do. She tells me that this is what she wants to do and I know that it is but on the flipside of the coin its not what she chose to doIts almost what she fell into have to do because there was no alternative. \n\nThe bottom line is please just put this information out there Ill continue to work on my own or work with whoever to fix my life and get my life on track but dont let this happen to anybody else veteran or not dont let this happen to anyone else because its not fair, its not right, and it 100 % should not be happening!","date_sent_to_company":"2020-09-10T10:15:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68123","tags":"Servicemember","has_narrative":true,"complaint_id":"3840947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-09-10T10:15:06.000Z","state":"NE","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my <em>student</em> <em>loans</em> but with numerous other accounts. Between my three credit bureaus my <em>student</em> <em>loan</em> accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home."]},"sort":[9.930425,"3840947"]},{"_index":"complaint-public-v1","_id":"3840431","_score":9.930425,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So when I finally decided to do the smart thing like I should have been doing all along and Monitoring my credit much closer. This included not only who was reporting information but what information was actually being reported, and thats when I noticed the largest discrepancy on my report. XXXX by themselves had reported XXXX separate student loans, now this number is probably accurate, however the issue is the information they reported. The dollar amounts were incorrect, it did not reflect any payments that I made while I was in school, finally all XXXX accounts actually reflected the EXACT same XXXX months from the same year ( which some loans didnt even exist at that time ) where there was a 90 day, then a 120 day, and finally a 180 day past due payment in consecutive order. These numbers dont even make sense because if you were 90 days then 120 days you dont automatically go to 180 days past due. I have disputed this information on six occasions because I could only dispute so many at a time and there are still XXXX accounts that are incorrect, they are still showing missed payments they are still showing delinquent status they are still showing that the loan was charged off when it was actually paid in full And satisfied so it should be a closed account showing paid in full but thats not the case. It reflects this way on all three credit bureaus which by three separate expert opinions ( XXXX and credit specialists ) show it could be affecting my credit score by as much as XXXX to XXXX points! I am at a complete loss because when I called to talk to XXXX ( yes XXXX XXXX that which I have done on at least XXXX separate occasions not only do they continue to tell me it will be corrected it will be corrected it will be corrected but its never corrected, then when I question other accounts they tell me oh well those accounts were sold off, but they dont know who they were sold off to. I live in Nebraska and their office is located in XXXX, Ive even gone there in person and set appointments up and spoken with individuals that have assured me and guaranteed me everything would be corrected and this has now been three years long from when I started to current. \n\nSo now there is no way for me to track them down because I go as far as the information takes me and I have even called called 10 or 12 different major student loan providers that buy loans from the Department of Education and none of them show any record of me holding an account with their company or an account being bought out by their company in my name. I am in my mid-30s and I can only repair my credit so much because I cant qualify for a major purchase such as a home to really solidify my credit and establish more than just buying vehicles and selling them with all payments being made on time and all loans being paid back in full. This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my student loans but with numerous other accounts. Between my three credit bureaus my student loan accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home. So my wife and I have XXXX children and cant even purchase a home because her income is not enough By itself to qualify, and heres the kicker which some people may be shocked and some people may not be shocked. \n\nI am 100 % permanently disabled Combat Veteran and a medically retired Airborne Infantry Sergeant ( E-5 ) the United States Army. I was forced to medically retire, it was not a choice. For 10 years I was a what they considered XXXX XXXX before finally I lost my leg above the knee on my left side. I have a XXXX XXXX injury that prevents me from being able to do you a lot of things independently such as bathing or dressing myself or taking care of my children all the time. I have a Trumatic XXXX  XXXX that has caused me to have to re-learn how to walk when combined with my invitation, I had to learn how to time I shoes again in my mid-20s, I  did learn how to drive again but it was hard. It was extremely hard because I could not understand and comprehend traffic laws, they just would not process in my mind. I have to spend a portion of each and every single day either on crutches, walking with a cane, or in a wheelchair which limits what I am and Im not able to do although I dont let it limit me as much as possible theres only so much that I can do. This is not a sob story, this is not to make anyone feel bad for me, this is just To show that on top of everything else thats going on in my life I have been dealing with now I have been dealing with these banks and loan agencies and whatever they are referred to, right there is a prime example because I cant think of the proper term and I have paused my statement for over 15 minutes now but its XXXX AM and I have not been to sleep in almost XXXX hours because of the pain, because of my XXXX XXXX, because of the nightmares, because of the flashbacks, because of the XXXX  and all of these things are amplified by the stress that this has put on to myself and my family. \n\nA lot of people blame the department of Veterans Affairs for such a high suicide rate among veterans but Ill be the first one to tell you maybe not the first one but I will be the first one to confirm if  somebody else has said the same thing that situations like this that amplify all of these different things that we suffer from mentally probably contribute more to veterans committing XXXX   than anything that has to do with the department of Veterans Affairs. The reason I say this is because it puts so much stress on to not just a veteran but his or her family and then that can lead to marital issues and divorce and the break up of a cohesive family, Now you tell me if you have somebody that has been through a similar situation as I have and I have undergone 42 major surgeries under sedation to date that for eight years I have been trying to rebuild my credit so I can rebuild my life and Ive already been through one marriage that ended in divorce, however I am now married to the woman that was meant for me, whom by the way had to quit her job and quit school to become my full-time caregiver because I need help every single day just to get out of bed, to take a shower or take a bath, to get dressed, to remember things, to get two appointments, to make sure that I take my medication, to make sure my medication is refilled, to make sure that I dont stress out to the point to where I have a XXXX which my XXXX condition developed as a result of my XXXX XXXX XXXX and my XXXX XXXX injury. \n\nSo I just want this information to be put out there, I want this information to be corrected, I want to be able to get my life on track and I want to be able to move past this. I want this stress out of my life, this needs to be known this needs to be in bank public because a lot of veterans dont talk about it because its embarrassing. Its embarrassing because we are supposed to be able to provide for our family as men, this is our way of thinking, this is the way that I was raised. Thats not to say that the woman or the wife in the relationship or marriage cant work or cant make more money and be the breadwinner, its just the mindset in the way of thinking that I am trying to explain. So there it is in black-and-white, that is a snapshot of my life on a daily basis and what I deal with because on top of all of that that I just explained I didnt mention that my oldest son is XXXX, he cant speak he cant walk he cant take care of himself he cant bathe him so if he cant feed himself so he relies on myself and Primarily my wife to be able to do that to be able to live basically, so my wife has my self and my son to take care of all while not being able to work or go to school or do what she wants to do. She tells me that this is what she wants to do and I know that it is but on the flipside of the coin its not what she chose to doIts almost what she fell into have to do because there was no alternative. \n\nThe bottom line is please just put this information out there Ill continue to work on my own or work with whoever to fix my life and get my life on track but dont let this happen to anybody else veteran or not dont let this happen to anyone else because its not fair, its not right, and it 100 % should not be happening!","date_sent_to_company":"2020-09-10T10:15:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68123","tags":"Servicemember","has_narrative":true,"complaint_id":"3840431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-09-10T10:15:06.000Z","state":"NE","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my <em>student</em> <em>loans</em> but with numerous other accounts. Between my three credit bureaus my <em>student</em> <em>loan</em> accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home."]},"sort":[9.930425,"3840431"]},{"_index":"complaint-public-v1","_id":"3840424","_score":9.922993,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So when I finally decided to do the smart thing like I should have been doing all along and Monitoring my credit much closer. This included not only who was reporting information but what information was actually being reported, and thats when I noticed the largest discrepancy on my report. XXXX by themselves had reported XXXX separate student loans, now this number is probably accurate, however the issue is the information they reported. The dollar amounts were incorrect, it did not reflect any payments that I made while I was in school, finally all XXXX accounts actually reflected the EXACT same three months from the same year ( which some loans didnt even exist at that time ) where there was a 90 day, then a 120 day, and finally a 180 day past due payment in consecutive order. These numbers dont even make sense because if you were 90 days then 120 days you dont automatically go to 180 days past due. I have disputed this information on six occasions because I could only dispute so many at a time and there are still XXXX accounts that are incorrect, they are still showing missed payments they are still showing delinquent status they are still showing that the loan was charged off when it was actually paid in full And satisfied so it should be a closed account showing paid in full but thats not the case. It reflects this way on all three credit bureaus which by three separate expert opinions ( CPAs and credit specialists ) show it could be affecting my credit score by as much as XXXX to XXXX points! I am at a complete loss because when I called to talk to XXXX ( yes XXXX XXXX that which I have done on at least 15 separate occasions not only do they continue to tell me it will be corrected it will be corrected it will be corrected but its never corrected, then when I question other accounts they tell me oh well those accounts were sold off, but they dont know who they were sold off to. I live in Nebraska and their office is located in XXXX, Ive even gone there in person and set appointments up and spoken with individuals that have assured me and guaranteed me everything would be corrected and this has now been three years long from when I started to current. \n\nSo now there is no way for me to track them down because I go as far as the information takes me and I have even called called 10 or 12 different major student loan providers that buy loans from the Department of Education and none of them show any record of me holding an account with their company or an account being bought out by their company in my name. I am in my mid-30s and I can only repair my credit so much because I cant qualify for a major purchase such as a home to really solidify my credit and establish more than just buying vehicles and selling them with all payments being made on time and all loans being paid back in full. This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my student loans but with numerous other accounts. Between my three credit bureaus my student loan accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home. So my wife and I have XXXX children and cant even purchase a home because her income is not enough By itself to qualify, and heres the kicker which some people may be shocked and some people may not be shocked. \n\nI am 100 % permanently disabled Combat Veteran and a medically retired Airborne Infantry Sergeant ( E-5 ) the United States Army. I was forced to medically retire, it was not a choice. For 10 years I was a what they considered XXXX XXXX before finally I lost my leg above the knee on my left side. I have a XXXX XXXX injury that prevents me from being able to do you a lot of things independently such as bathing or dressing myself or taking care of my children all the time. I have a XXXX XXXX   injury that has caused me to have to re-learn how to walk when combined with my invitation, I had to learn how to time I shoes again in my mid-20s, I did learn how to drive again but it was hard. It was extremely hard because I could not understand and comprehend traffic laws, they just would not process in my mind. I have to spend a portion of each and every single day either on crutches, walking with a cane, or in a wheelchair which limits what I am and Im not able to do although I dont let it limit me as much as possible theres only so much that I can do. This is not a sob story, this is not to make anyone feel bad for me, this is just To show that on top of everything else thats going on in my life I have been dealing with now I have been dealing with these banks and loan agencies and whatever they are referred to, right there is a prime example because I cant think of the proper term and I have paused my statement for over 15 minutes now but its XXXX AM and I have not been to sleep in almost XXXX hours because of the pain, because of my XXXX XXXX because of the nightmares, because of the flashbacks, because of the XXXX, and all of these things are amplified by the stress that this has put on to myself and my family. \n\nA lot of people blame the department of XXXX XXXX for such a high XXXX rate among veterans but Ill be the first one to tell you maybe not the first one but I will be the first one to confirm if somebody else has said the same thing that situations like this that amplify all of these different things that we suffer from mentally probably contribute more to veterans committing XXXX   than anything that has to do with the department of XXXX XXXX. The reason I say this is because it puts so much stress on to not just a veteran but his or her family and then that can lead to marital issues and divorce and the break up of a cohesive family, Now you tell me if you have somebody that has been through a similar situation as I have and I have undergone XXXX major surgeries under sedation to date that for eight years I have been trying to rebuild my credit so I can rebuild my life and Ive already been through one marriage that ended in divorce, however I am now married to the woman that was meant for me, whom by the way had to quit her job and quit school to become my full-time caregiver because I need help every single day just to get out of bed, to take a shower or take a bath, to get dressed, to remember things, to get two appointments, to make sure that I take my medication, to make sure my medication is refilled, to make sure that I dont stress out to the point to where I have a XXXX which my XXXX condition developed as a result of my XXXX XXXX XXXX and my XXXX XXXX injury. \n\nSo I just want this information to be put out there, I want this information to be corrected, I want to be able to get my life on track and I want to be able to move past this. I want this stress out of my life, this needs to be known this needs to be in bank public because a lot of veterans dont talk about it because its embarrassing. Its embarrassing because we are supposed to be able to provide for our family as men, this is our way of thinking, this is the way that I was raised. Thats not to say that the woman or the wife in the relationship or marriage cant work or cant make more money and be the breadwinner, its just the mindset in the way of thinking that I am trying to explain. So there it is in black-and-white, that is a snapshot of my life on a daily basis and what I deal with because on top of all of that that I just explained I didnt mention that my oldest son is XXXX, he cant speak he cant walk he cant take care of himself he cant bathe him so if he cant feed himself so he relies on myself and Primarily my wife to be able to do that to be able to live basically, so my wife has my self and my son to take care of all while not being able to work or go to school or do what she wants to do. She tells me that this is what she wants to do and I know that it is but on the flipside of the coin its not what she chose to doIts almost what she fell into have to do because there was no alternative. \n\nThe bottom line is please just put this information out there Ill continue to work on my own or work with whoever to fix my life and get my life on track but dont let this happen to anybody else veteran or not dont let this happen to anyone else because its not fair, its not right, and it 100 % should not be happening!","date_sent_to_company":"2020-09-10T10:15:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68123","tags":"Servicemember","has_narrative":true,"complaint_id":"3840424","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-09-10T10:15:06.000Z","state":"NE","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":["This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my <em>student</em> <em>loans</em> but with numerous other accounts. Between my three credit bureaus my <em>student</em> <em>loan</em> accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home."]},"sort":[9.922993,"3840424"]},{"_index":"complaint-public-v1","_id":"3840946","_score":9.899043,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So when I finally decided to do the smart thing like I should have been doing all along and Monitoring my credit much closer. This included not only who was reporting information but what information was actually being reported, and thats when I noticed the largest discrepancy on my report. Nelnet by themselves had reported 31 separate student loans, now this number is probably accurate, however the issue is the information they reported. The dollar amounts were incorrect, it did not reflect any payments that I made while I was in school, finally all 31 accounts actually reflected the EXACT same three months from the same year ( which some loans didnt even exist at that time ) where there was a 90 day, then a 120 day, and finally a 180 day past due payment in consecutive order. These numbers dont even make sense because if you were 90 days then 120 days you dont automatically go to 180 days past due. I have disputed this information on six occasions because I could only dispute so many at a time and there are still 27 accounts that are incorrect, they are still showing missed payments they are still showing delinquent status they are still showing that the loan was charged off when it was actually paid in full And satisfied so it should be a closed account showing paid in full but thats not the case. It reflects this way on all three credit bureaus which by three separate expert opinions ( CPAs and credit specialists ) show it could be affecting my credit score by as much as 113 to 140 points! I am at a complete loss because when I called to talk to Nelnet ( yes NELNET ) that which I have done on at least 15 separate occasions not only do they continue to tell me it will be corrected it will be corrected it will be corrected but its never corrected, then when I question other accounts they tell me oh well those accounts were sold off, but they dont know who they were sold off to. I live in Nebraska and their office is located in XXXX, Ive even gone there in person and set appointments up and spoken with individuals that have assured me and guaranteed me everything would be corrected and this has now been three years long from when I started to current. \n\nSo now there is no way for me to track them down because I go as far as the information takes me and I have even called called 10 or 12 different major student loan providers that buy loans from the Department of Education and none of them show any record of me holding an account with their company or an account being bought out by their company in my name. I am in my mid-XXXX and I can only repair my credit so much because I cant qualify for a major purchase such as a home to really solidify my credit and establish more than just buying vehicles and selling them with all payments being made on time and all loans being paid back in full. This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my student loans but with numerous other accounts. Between my three credit bureaus my student loan accounts alone Account for 148 inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home. So my wife and I have XXXX children and cant even purchase a home because her income is not enough By itself to qualify, and heres the kicker which some people may be shocked and some people may not be shocked. \n\nI am 100 % XXXX XXXX XXXX Veteran and a medically retired XXXX   XXXX XXXX ( XXXX ) the United States XXXX. I was forced to XXXX XXXX, it was not a choice. For 10 years I was a what they considered XXXX XXXX before finally I XXXX XXXX XXXX XXXX XXXX XXXX on my left side. I have a XXXX XXXX injury that prevents me from being able to do you a lot of things independently such as XXXX XXXX XXXX XXXX or taking care of my children all the time. I have a XXXX XXXX XXXX that has caused me to have to re-learn how to walk when combined with my invitation, I had to learn how to time I shoes again in my midXXXX, I did learn how to drive again but it was hard. It was extremely hard because I could not understand and comprehend traffic laws, they just would not process in my mind. I have to spend a portion of each and every single day either on XXXX XXXX XXXX XXXX XXXX, or in a XXXX  which limits what I am and Im not able to do although I dont let it limit me as much as possible theres only so much that I can do. This is not a sob story, this is not to make anyone feel bad for me, this is just To show that on top of everything else thats going on in my life I have been dealing with now I have been dealing with these banks and loan agencies and whatever they are referred to, right there is a prime example because I cant think of the proper term and I have paused my statement for over 15 minutes now but its XXXX XXXX and I have not been to sleep in almost 72 hours because of the pain, because of my XXXX   XXXX, because of the nightmares, because of the XXXX, because of the XXXX, and all of these things are amplified by the stress that this has put on to myself and my family. \n\nA lot of people blame the department of Veterans Affairs for such a high XXXX rate among veterans but Ill be the first one to tell you maybe not the first one but I will be the first one to confirm if somebody else has said the same thing that situations like this that amplify all of these different things that we suffer from mentally probably contribute more to veterans committing XXXX than anything that has to do with the department of Veterans Affairs. The reason I say this is because it puts so much stress on to not just a veteran but his or her family and then that can lead to marital issues and divorce and the break up of a cohesive family, Now you tell me if you have somebody that has been through a similar situation as I have and I have undergone XXXX XXXX XXXX under XXXX  to date that for eight years I have been trying to rebuild my credit so I can rebuild my life and Ive already been through one marriage that ended in divorce, however I am now married to the woman that was meant for me, whom by the way had to quit her job and quit school to become my full-time XXXX  because I need help every single day just to XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX, to remember things, to get two appointments, to make sure that I take my medication, to make sure my medication is refilled, to make sure that I dont stress out to the point to where I have a XXXX which my XXXX condition developed as a result of my XXXX XXXX XXXX and my XXXX XXXX XXXX. \n\nSo I just want this information to be put out there, I want this information to be corrected, I want to be able to get my life on track and I want to be able to move past this. I want this stress out of my life, this needs to be known this needs to be in bank public because a lot of veterans dont talk about it because its embarrassing. Its embarrassing because we are supposed to be able to provide for our family as men, this is our way of thinking, this is the way that I was raised. Thats not to say that the woman or the wife in the relationship or marriage cant work or cant make more money and be the breadwinner, its just the mindset in the way of thinking that I am trying to explain. So there it is in black-and-white, that is a snapshot of my life on a daily basis and what I deal with because on top of all of that that I just explained I didnt mention that my oldest son is XXXX, he XXXX XXXX he XXXX XXXX he cant take care of himself he XXXX XXXX  him so if he XXXX XXXX himself so he relies on myself and Primarily my wife to be able to do that to be able to live basically, so my wife has my self and my son to take care of all while not being able to work or go to school or do what she wants to do. She tells me that this is what she wants to do and I know that it is but on the flipside of the coin its not what she chose to doIts almost what she fell into have to do because there was no alternative. \n\nThe bottom line is please just put this information out there Ill continue to work on my own or work with whoever to fix my life and get my life on track but dont let this happen to anybody else veteran or not dont let this happen to anyone else because its not fair, its not right, and it 100 % should not be happening!","date_sent_to_company":"2020-09-17T13:03:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68123","tags":"Servicemember","has_narrative":true,"complaint_id":"3840946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2020-09-10T09:24:47.000Z","state":"NE","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my <em>student</em> <em>loans</em> but with numerous other accounts. Between my three credit bureaus my <em>student</em> <em>loan</em> accounts alone Account for 148 inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home."]},"sort":[9.899043,"3840946"]},{"_index":"complaint-public-v1","_id":"3821133","_score":9.413063,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of Experian, XXXX, XXXX, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).\n\nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ).\n\nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file. \nXXXX XXXX outgoing communication requesting debt validation, of a reported error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of XXXX, XXXX, and Experian, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give XXXX, Experian, or XXXX or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor Experian to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new. \n\nThis complaint asserts, XXXX, Experian, or XXXX is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to XXXX, Experian, or XXXX ( hereafter the Credit Reporting Agencies ) faulty procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, Experian, XXXX and XXXX has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to XXXX, XXXX, and Experian, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties. \n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19. \n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices.\n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-29T06:55:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The complaint alleges 8 million federal <em>student</em> <em>loan</em> lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information <em>about</em> millions of its customers to XXXX, XXXX, and Experian, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people."]},"sort":[9.413063,"3821133"]},{"_index":"complaint-public-v1","_id":"3821140","_score":9.400652,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of XXXX, Equifax, XXXX, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).\n\nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ). \nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file.\n\n2 ) outgoing communication requesting debt validation, of a reported  error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of Equifax, XXXX, and XXXX, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give Equifax, XXXX, or XXXX or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor XXXX to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new.\n\nThis complaint asserts, Equifax, XXXX, or XXXX is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and  false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to Equifax, XXXX, or XXXX ( hereafter the Credit Reporting Agencies ) faulty  procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, XXXX, Equifax and XXXX has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to Equifax, XXXX, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties. \n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19. \n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices. \n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-29T07:17:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The complaint alleges 8 million federal <em>student</em> <em>loan</em> lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information <em>about</em> millions of its customers to Equifax, XXXX, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people."]},"sort":[9.400652,"3821140"]},{"_index":"complaint-public-v1","_id":"3821217","_score":9.388304,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of XXXX, XXXX, TransUnion, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ). \nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ).\n\nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file.\n\n2 ) outgoing communication requesting debt validation, of a reported  error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via  consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of XXXX, TransUnion, and XXXX, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give XXXX, XXXX, or TransUnion or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor XXXX to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new. \n\nThis complaint asserts, XXXX, XXXX, or TransUnion is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to XXXX, XXXX, or TransUnion ( hereafter the Credit Reporting Agencies ) faulty procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty  procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, XXXX, XXXX and TransUnion has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to XXXX, TransUnion, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties.\n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19.\n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices.\n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-29T07:17:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The complaint alleges 8 million federal <em>student</em> <em>loan</em> lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information <em>about</em> millions of its customers to XXXX, TransUnion, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people."]},"sort":[9.388304,"3821217"]},{"_index":"complaint-public-v1","_id":"10368953","_score":7.880182,"_source":{"product":"Debt collection","complaint_what_happened":"CONSIDER THIS A FORMAL COMPLAINT REGARDING THE UNAUTHORIZED SALE OF MY INFORMATION TO A THIRD PARTY BY SALLIE MAE WHICH DIRECTLY CONTRAVENES 15 USC 1666b. \n\nI am so XXXX off that I have to sit here and take time out of my day to write this complaint. I learned that Sallie Mae has given not only my personal information as well as financial information to a third party. XXXX, XXXX & XXXX continuously calls my phone, my fathers phone and his ex wife. This is absolutely ridiculous over a something that I do not owe. I am so tired of the harassment, anxiety, panic, mental anguish, and trauma to my family dynamic that this has caused. This debt has been discharged and all documents pertaining to the discharge have been requested from the original creditor they claim to be Sallie Mae. \n\nI have not had an account with Sallie Mae since XXXX and Sallie Mae along with their debt collectors continue to harass me and my loved ones. Sallie mae was given a revocation of power of attorney both verbally and in writing certified mail. Verbal revocation was given on XX/XX/XXXX as well as written notice to follow up on XXXX XXXX where they claimed there was no power of attorney on file playing stupid like they dont understand what the XXXX revocation of power of attorney means. Please see attached letter. They then proceeded to share my information with a third party who clearly doesnt understand that I know my rights and they have no business contacting me. Who gave you permission or consent to take my name and commit securities fraud along with your trash partner Sallie Mae? Where Is the proof of assignment because I did not contract with XXXX XXXX XXXX I or their kangaroo court partners XXXX, XXXX XXXX XXXX. After reading the XXXX, XXXX, and prospectus they are furnishing these applications as receivables and NOT fully disclosing that I am an investor in their company. Who gave you all consent to sell my information on the stock market and to your investors for profit? Where is my portion of the money? You all blatantly state that you are moving forward with providing great loan options to students. Only to turn around and extort them not only be selling contracts for stock market options buyers, share holders and who knows what else. I WANT THIS XXXX SHUT DOWN!!!! When was I told that I would be doing business with XXXX bank and many others?? NEVER! CUT THE GAMES Where is the contract with my wet ink signature that I requested from both parties? They keep playing XXXX and sending computer generated applications with an online signature that I do not remember signing. Where is the original application? If Sallie Mae was the servicer who is the bank that they sold the security to that they did not give full disclosure of? They have completely violated me and my trust 15USC1666b. I am completely worried and anxious about the privacy and compliance from Sallie mae. This has not only breached trust as well as FEDERAL LAW. I would also like to point out 31 USC 3718 as well as18 USC 8. Who the XXXX is obligated to pay because it XXXX sure isnt me! Which is why as mentioned in Sallie Maes validation paper work This is furnished by an open ended credit plan. Well from my understanding as used in 1666f payment by use of check, draft or negotiable which results from debiting of an open ended credit plan or a credit card holders account shall not be considered payment. This was a debit. So where the XXXX does it say pay? \n\nThey are operating as if they are not already under fire due to their extortionate, predatory and defamatory tactics proven in recent court proceedings. \n- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have also requested pertinent information from the clowns XXXX XXXX XXXX XXXX XXXX XXXX XXXX their partners and they could give me nothing but the same trash packet that Sallie mae gave. Sallie Mae kept calling and I am not sure why. What do we have to talk about? Either you can provide the information or you can't. Where is the information in writing like I requested? \n\nCould you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for personal family household usage?\n\nCould you provide all GLBA disclosures?\n\nCould you provide 1099c if applicable or any other tax forms filed in connection with this account? \nCould you provide the itemization date? \nCould you provide the Proof Required disclosures that were sent? \nCould you provide All account notation and call logs? \nCould you provide copies of documentation sent to the consumer and all reg F applicable disclosures?\n\nCould you provide the date of first delinquency?\n\nCould you provide what executive level officer or board member who retained you? \n\nCause who retained you? I XXXX sure did not and do not with to contract with any of you. Who gave you consent to open new accounts in my name? Where is the XXXX at because I XXXX sure did not sign or authorize for you to use any of my social information. So did you even verify who I was or you slapped my name on something knowing XXXX well I do not owe you or anyone else? Do I need to contact the Comp controller? Because you are completely committing fraud and need to not only stop harassing, calling and sending my elderly father into a frenzy. You have completely torn apart his marriage with your lies and extortionate tactics and I WILL be seeking remedy under 18usc41 and 15USC1611 if this XXXX is not fixed. I am so tired of you all ruining families and feeling like you are above the law. It is time out for the mental games and tyranny placed on the people. There has been no lawful consideration made by any of these companies. Please see Anheuser-Busch Brewing Ass'n v. Mason. Even if I did wish to contract debt collectors are not holders in due course. 1. You stated you bought it by default. Was this not properly filed as income under the US tax codes by your friends Sallie mae? Where are the 1099s to prove it was? 2. Installment sale contracts are not negotiable instruments. So again who owes you? I believe you all need to take this matter up with the bank because this is not a matter between you and I the consumer who would have only used these services for PERSONAL, FAMILY OR HOUSEHOLD USE. IN ARTICLE XXXX IT STATES THAT IS AN ASSIGNEE WHICH WE KNOW YOU TRULY ARE NOT RECEIVES AN INSTRUMENT AFTER DEFULT IT IS NOT IN GOOD FAITH. HMMMM SEEMS LIKE WE HAVE AN ISSUE HERE HUH? \n\nI AM DEMANDING REMEDY AND ONE THAT WILL ALLOW MY FAMILY AND I TO REST AND NOT BE SUSCEPTIBLE TO THE PAIN AND SUFFERING AS WELL AS EXTORTION THAT ALL THREE COMPANIES HAVE PLACED UPON US TO THE POINT THAT MY FATHER HAS LOST HIS MARRIAGE. ENOUGH IS ENOUGH. If this matter is not quickly resolved I will not only have all accounts audited by multiple sources but I will move along to the FTC, SEC and Comp troller. \n\nCFPB please investigate this matter thoroughly as it is ruining my life and mental health.","date_sent_to_company":"2024-10-08T00:51:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"46037","tags":null,"has_narrative":true,"complaint_id":"10368953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2024-10-08T00:51:57.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["You all blatantly state that you are moving forward with providing great <em>loan</em> options to <em>students</em>. Only to turn around and extort them not only be selling contracts for stock market options buyers, share holders and who knows what else. I WANT THIS XXXX SHUT DOWN!!!! When was I told that I would be doing business with XXXX bank and many others?? NEVER! CUT THE GAMES Where is the contract with my wet ink signature that I requested from both parties?"],"sub_product":["Private <em>student</em> <em>loan</em> debt"]},"sort":[7.880182,"10368953"]},{"_index":"complaint-public-v1","_id":"4089057","_score":7.370507,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"first of all when I got the car out of the dealer on time I noticed the car different in different ways I took it back to the dealer told him to help me do a diagnostic is somebody if somebody messed with my car or something performance was bad poor performance security system not working parts notice have been change I called my dealership my financial my insurance even police nobody seemed to actually help do they say it's negative thinking help at all sorry police said I have no proof ideal it with that for almost a year and a half until XXXX XXXX my car got repoed two times recently as well knowing that something was wrong with the car I felt like somebody was trying to get rid of evidence as soon as I find out my car dealer would I got my cart refused to give me service two times refused to provide me with my personal information they lied to me saying they don't keep information on file for the long I just wanted to compare my paperwork from Financial dealer in mine because I had a feeling and I was expecting something was wrong with my information when nights are the copy of my ID and their system they say they couldn't give it to me because it was too dark which it was weird for me nothing but lice and rejection so I still had my car they told me to get a new one but I reject the offer because I was expecting different from them I was expecting them to help me in my situation that I was in so finally lost my job got behind on my payments little by little dealing with personal information being stolen out of my room my mail being open my car being messed with everything came at once so I have no way to go not even to go to the new interview or apply for a job people were asking so many questions like somebody posted something bad about me and online or on website or something because everybody was so questionable when I apply for a job when I want to get a bank account nobody could couldn't find me it was always two different answers my name showing for five different ways credit report went to garbage sometimes I couldn't log in to look at my credit report it was a lot of missing information they wouldn't give me an answer nothing but we have to make sure is you I couldn't even look at my car history for maintenance or anything like that it always give me an error saying that only the owner can look or go imbue the car information wish I was the owner of the car have I call they told me my car wasn't even under my name it was under a lady 's name which it bothers me always getting different we are emails on my credit about loans about student loans so I still have him fix anything I am stuck at home without nothing no money no car no job not even money to go and do laundry. On the other hand I have financial institution as well. Saying that they only got one number which I found three different numbers for the financial institute they always give me bus service never help out always quiet only yes no. Go out and ask your friends for money so you can pay the car payment things like that. And a lot more insurance pain almost XXXX for car insurance. Based on my credit which I don't even knew that I have credit that well or not even credit my personal item number being used I don't even know under what number do they qualify me for my car. Missing information in my in my car papers that I filled out which phone number color of the car email address all paperwork is so different missing information everywhere I go reject me deny me nobody helped me during the pandemic a state supposed to do give me a chance to get back in my feet at least and I was driving without insurance for 2 to 3 months due to rejection I was driving the car risking it because I know it wasn't performing the right way every time I go to the dealer I feel embarrassed because they look at me like there he comes again rejection right away all they told me the car is going to go to action anyway. And the people that I did the transaction about my car they don't they don't longer work there no more even When I got in an accident the guy from the XXXX XXXX doesn't work there either it seems like somebody did something wrong and they got fire like I don't know somebody show up on their me pretending it was me and when they saw me going in the look on their faces when they saw me like you can tell right away something wasn't right I wasn't communicated during the pandemic used to work two jobs before never have time to look at my car I never expected nothing wrong I never crossed my mind something was going to happen or somebody was going to mess with it now that I at home with nothing I have time to think and put everything together and I know 100 % I have a couple of people lined up that I know from what I see from what I heard from people reactions even where I live somebody local here they did something they didn't supposed to do. I got proof I got people. I compared my thoughts with other people from what they told me everything matches pretty good. I'm a communicated sometimes I don't have money to pay my phone so I don't know what's going on who calls me nothing I don't have nothing my car repo it kind of bothers me because if something happened to the car you know I have no way to prove the something happened to it and nobody cares explained him so many times didn't care it seems like they try to get rid of evidence because they know I noticed something wasn't right. XXXX XXXX  XXXX XXXX  they closed my account even on my previous jobs people act different towards me so I had to quit my wonderful and good job that I had due to people 's reaction in people attitude towards me when I didn't do anything wrong XXXX XXXX talk wrong about me I work for a XXXX XXXX XXXX or XXXX  XXXX  and XXXX XXXX XXXX  for five years until people started acting weird towards me wondering about me always wanted to see what I do after work while what's my routine everyday which I only work and go to work after that job go home and rest for a minute and then go to work again that was my routine for quite a while 4 5 6 7 years. the good thing I know where everything comes from y ven XXXX XXXX Store five minutes from my house de XXXX people There for a lot of years I'm a good customer at the gas station there people started asking where do I work what's my name what do I drive what do I live how do I get money they look at me from Head to Toes they always wanted to know more like if they were police or something you can tell the vibration and something went wrong or somebody say something or give bad false statement or say something bad about me that I don't even know about. discrimination people want to know if I'm legal or not and a lot of things more until this day I'm dealing with a lot of things that I don't know what to do where to move I'm stuck I've been looking for resources nobody seems to help it's always redirecting everywhere and when I talk to people about my situation they get mad they don't want to listen they I get rejected like they think I'm crazy I'm lying or not or something like that but I only know what I've been through I only know what I do and what I've been doing nothing but working for over 20 years that I've been in this country I work hard for what I have what I always had never been in trouble and never been in any kind of bat wrecker or anything like that for somebody to just do something to my information rather is my name my birthday anyting I don't think is fair. Even from the XXXX Police Department I've been denied recently lately they never come when I have something to show them about people breaking into my only room that I have in the back of the house it got to the point that they just got tired of it and then I even showed up or nothing.","date_sent_to_company":"2021-01-23T14:43:48.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"98056","tags":null,"has_narrative":true,"complaint_id":"4089057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Help Financial, LLC","date_received":"2021-01-23T13:58:23.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["<em>loans</em> <em>about</em> <em>student</em> <em>loans</em> so I still have him fix anything I am stuck at home 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