{"took":121,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":105,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1709218","_score":15.439898,"_source":{"product":"Credit card","complaint_what_happened":"I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. \nI dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and \" pocket '' this credit.","date_sent_to_company":"2015-12-23T15:35:40.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"1709218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-12-20T03:27:54.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The merchant eventually agreed to issue a courtesy <em>credit</em> of {$300.00} for the <em>pain</em> and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a <em>credit</em> on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned <em>credit</em> of {$300.00} was posted to my account. However, the <em>credit</em> was later reversed on or <em>about</em> XXXX/XXXX/15."],"product":["<em>Credit</em> card"]},"sort":[15.439898,"1709218"]},{"_index":"complaint-public-v1","_id":"4154086","_score":13.902957,"_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":["I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my <em>credit</em> 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!!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.902957,"4154086"]},{"_index":"complaint-public-v1","_id":"2720871","_score":13.786903,"_source":{"product":"Debt collection","complaint_what_happened":"As noted when speaking with one of cfpb 's representatives, I am submitting more information re my recent complaint against Tenet Healthcare and XXXX XXXX XXXX. \nTo reiterate briefly, on XXXX XXXX, XXXX, I visited the Emergency Dept at XXXX XXXX, XXXX XXXX, XXXX. After about 5 hours of waiting with internal bleeding, a Tenet employee called me to window 3 in the ED waiting room, looked at my XXXX card, and informed me my visit that day was free of charge. I received a bed shortly after that. Then, in a classic Bait and Switch, I receive bills from Tenet and their subordinates for {$7200.00}! \nThis is part of XXXX 's response : \" We have contacted our client and verified that the consumer was provided and signed a financial responsibility agreement prior to receiving services. The consumer was provided with a copy of this document at the time of service to keep for their records. '' I dispute this response as even if I did sign something ( I have no copy of this ), being at a level 10 threshold of pain, had n't eaten solid food for almost 2 days, was severely dehydrated, and due to these conditions any such \" signing of financial responsibility '' was not made with informed consent - I was in too much pain to comprehend anything such as signing a responsibility agreement. ANY SIGNING WAS DONE UNDER DURESS, WITHOUT INFORMED CONSENT! \nLet 's look at who we are dealing with - Tenet - who paid XXXX XXXX a few years ago when prosecuted for XXXX fraud, and just lately agreed to pay over XXXX XXXX for XXXX fraud! XXXX executives are now charged in this recent case as well. \nMy point is twofold - TENET IS A CORRUPT CORPORATION AND ROUTINELY LIES TO PAD ITS PROFITS! TENET WAS/IS LYING WHEN THEY STATED THAT THEY COULD FIND NO EVIDENCE OF THEIR EMPLOYEE INFORMING ME MY XXXX VISIT WAS FREE OF CHARGE. AS WELL, THEY BILLED ME FOR OVER XXXX PERCENT MORE THAN XXXX WOULD PAY FOR SUCH SERVICES! THEIR BILL IS AGAIN ATTACHED TO THIS COMPLAINT. For instance, I was charged {$3000.00} for a CT ABD PELV with CONTRAST - XXXX PAYS ABOUT {$250.00} FOR THE SAME SERVICE! THAT 'S A 1200 % OVER BILL! The blood work was not bundled, and came to {$860.00}! \nIT SEEMS TENET IS RADICALLY OVER BILLING - TRYING TO MAKE UNDERINSURED/NON INSURED PEOPLE, ESPECIALLY THIS SENIOR, PAY THEIR FINES FOR BEING CORRUPT AND PRACTICING XXXX AND XXXX FRAUD. IT IS DIFFICULT AS A LOW INCOME SENIOR TO FIGHT THIS CORRUPT COMPANY. TENET IS NO DIFFERENT THAN A XXXX THUG WITH ITS JACKBOOT ON MY THROAT THREATENING MY CREDIT RATING AND DOING ITS BEST TO DESTROY ANY PEACE I MIGHT HAVE AFTER WORKING 49 YEARS!","date_sent_to_company":"2017-11-04T21:37:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"92284","tags":"Older American","has_narrative":true,"complaint_id":"2720871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TENET HEALTHCARE CORPORATION","date_received":"2017-11-04T21:37:09.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["My <em>point</em> is twofold - TENET IS A CORRUPT CORPORATION AND ROUTINELY LIES TO PAD ITS PROFITS! TENET WAS/IS LYING WHEN THEY STATED THAT THEY COULD FIND NO EVIDENCE OF THEIR EMPLOYEE INFORMING ME MY XXXX VISIT WAS FREE OF CHARGE. AS WELL, THEY BILLED ME FOR OVER XXXX PERCENT MORE THAN XXXX WOULD PAY FOR SUCH SERVICES! THEIR BILL IS AGAIN ATTACHED TO THIS <em>COMPLAINT</em>. For instance, I was charged {$3000.00} for a CT ABD PELV with CONTRAST - XXXX PAYS <em>ABOUT</em> {$250.00} FOR THE SAME SERVICE!"]},"sort":[13.786903,"2720871"]},{"_index":"complaint-public-v1","_id":"2310421","_score":13.440095,"_source":{"product":"Mortgage","complaint_what_happened":"I mailed my mortgage payment to PennyMac Loan Services on XXXX XXXX, XXXX ( I have proof of doing so ), but my payment was not credited to my account until XXXX XXXX, XXXX, the day after the payment is considered late. PennyMac has in the past credited my payment later than the day that it was received. I know this because I have sent some past payments by certified mail and I saw that, on occasion, PennyMac did not provide a credit to my account on the day the payment was received. \nThis is not the first time that I have filed a formal complaint against PennyMac with CFPB regarding this same issue. I also filed a complaint on XXXX XXXX, XXXX. On that occasion, I had mailed my payment to PennyMac on XXXX XXXX, XXXX, and PennyMac did not credit it until the day that I filed the complaint on XXXX XXXX, XXXX. \nAt this point, I think that this is a pattern of behavior for PennyMac. When I called PennyMac yesterday to complain about my payment being credited late, they immediately started encouraging me to pay my mortgage in other ways ( such as electronic payments ). My impression is that they would rather I use another method to make my payments instead of mailing in a check every month. \nThis would all appear to be extremely unscrupulous. At this point, I want PennyMac to sell my loan to a company that will fairly credit my payments in a timely manner as required by law. I have never had a late mortgage payment and it is a pain in the neck to have to take extra measures to be able to prove that I mailed in my mortgage payment on time every month. \nOn this occasion, PennyMac did not credit my payment to my account until 12 days after I mailed it, then they charged a late fee to my account. When I asked the customer service representative why they did not credit my account in a timely fashion, she said the same thing that they said 2 years ago : We had bad weather across the country and it held up the mail. She even said that they had trouble getting to their lockbox even though it is in XXXX, Texas. \nThe bottom line is that this is the second time that I have submitted a formal complaint to CFPB about this practice at PennyMac. It is a heavy burden to write a large check every month for my mortgage and not know whether I will receive the credit that I am supposed to receive under law. At this point, it is clear that this is not an isolated incident with PennyMac. I will enclose an official Certificate of Mailing from the U.S. Postal Service showing that I mailed my payment on XXXX XXXX, XXXX, as I previously stated. \nIt is completely unreasonable that PennyMac credited my payment a full 12 days after I mailed it. Whenever I have sent my payment using Certified Mail, it usually arrives at PennyMac in 3 days. Occasionally, it takes 4 days but never more than that. It is obvious that PennyMac has not credited my account in a timely manner and this is the second time that this has happened. This is a pattern and they should sell my loan to a company that will credit my account on the day that they receive the payment as is required by law.","date_sent_to_company":"2017-01-25T14:21:05.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"2310421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2017-01-25T14:21:04.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This is not the first time that I have filed a formal <em>complaint</em> against PennyMac with CFPB regarding this same issue. I also filed a <em>complaint</em> on XXXX XXXX, XXXX. On that occasion, I had mailed my payment to PennyMac on XXXX XXXX, XXXX, and PennyMac did not <em>credit</em> it until the day that I filed the <em>complaint</em> on XXXX XXXX, XXXX. \nAt this <em>point</em>, I think that this is a pattern of behavior for PennyMac."]},"sort":[13.440095,"2310421"]},{"_index":"complaint-public-v1","_id":"5661194","_score":12.396112,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2022 Ally received by certified mail a XXXX $ money order from me with stipulations ( Exhibit A XXXX ) that were in accordance with what Ally has written on the back of the statement ( Exhibit B ) which indicates they know about the UCC codes and expect people to use them, i didnt expect it to work but i gave it try. after Ally received the payment they put a freeze on my account stating they were having problems processing it ( Exhibit C ) up until that point my account was in good standing then Ally returned the payment ( Exhibit D ) so i logged into my account to pay my bill on XX/XX/2022 and saw that there was still a block on the account so i couldnt make a payment i then gave Ally a call on XX/XX/XXXX & XXXX 2022 ( Exhibit E 1-2 ) to find out why i couldnt make a payment. Both times i was told after a XXXX convo that there was a stop payment on the account and that it would be off in XXXX hrs. so on XX/XX/2022 i sent Ally a certified and notarized notice of intent ( Exhibit F 1-3 ) letting them know i am filing a complaint with the FTC ( which sent me to CFPB ) and the XXXX  as well as the U.S. Attorney Generals Office so they can be investigated for this shady business practice because it didnt take XXXX to put a stop payment on my account but its taken more than XXXX to try to get it off so i can make a payment. As of today XX/XX/2022 the account is still on hold ( Exhibit G XXXX ) Ally is purposefully an with malicious intent keeping my account status like it is to force me into default on the loan so that they can ruin my credit an repossess the car this is a illegal business tactic being used by a predatory lending company. This blatant violation of MGL 93a section 2 is causing me unwanted pain and suffering. At this point a repossession attempt by Ally would be illegal because of the illegal business tactics that are being used","date_sent_to_company":"2022-06-13T00:49:42.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"01109","tags":null,"has_narrative":true,"complaint_id":"5661194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-06-12T23:44:06.000Z","state":"MA","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":["As of today XX/XX/2022 the account is still on hold ( Exhibit G XXXX ) Ally is purposefully an with malicious intent keeping my account status like it is to force me into default on the loan so that they can ruin my <em>credit</em> an repossess the car this is a illegal business tactic being used by a predatory lending company. This blatant violation of MGL 93a section 2 is causing me unwanted <em>pain</em> and suffering."]},"sort":[12.396112,"5661194"]},{"_index":"complaint-public-v1","_id":"3402275","_score":11.965654,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I paid off my account with Conns on XXXX/XXXX/2019 in the amount of {$170.00}. On XXXX/XXXX/2919 I started receiving collection calls from the company. I made the agent aware I paid off my account online. They called me again on XXXX/XXXX/2019 stating Im a delinquent customer and I need to make a payment now. I informed that agent I paid off my account. They said I see that let me get this account closed out. They called me on XXXX/XXXX/2019 stating my account was past due. I told them the same thing. They said the issues would be escalated. At that point I asked for my payment history. I got another phone call on XXXX/XXXX/2019 stating my loan was delinquent and I was approaching 30 day delinquency. I made another payment if XXXX so my credit would not be negatively impacted. I requested my loan history again but Ive yet to receive it. I paid Conns in full {$5200.00} I was financed at {$3800.00}. I have been treated unfairly and I believe they have over collected on my loan. I asked several times to speak with complaint department but was declined that right. I sent an email to the XXXX XXXX XXXX and Ive yet to get a response. I have been treated unfairly and I want a refund of the full amount I paid this company. ( {$5200.00} ) Im a single mom trying to take care of my family. Conns has stressed me out about this situation. I have to been late from my breaks and lunches at work because Ive been placed on hold and given the run around about my payments and how they have been applied. I have spent countless hours on the phone with them. To get no solution. To date no representative from their company has made me feel like a valuable customer. Im trying to buy a house for me and my children and Im dishes out money to a company that can not tell me where my money is going. They owe me for pain and suffering. Ive been so upset about this matter. In XXXX my principal balance was XXXX. Then they increased my balance after I made another payment in XXXX. I have attached my credit report to show my payment history and my balance in XXXX verses XXXX 2019 2019","date_sent_to_company":"2019-10-11T00:18:17.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Installment loan","zip_code":"76134","tags":null,"has_narrative":true,"complaint_id":"3402275","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Conn's, Inc.","date_received":"2019-10-10T23:22:16.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Ive been so upset <em>about</em> this matter. In XXXX my principal balance was XXXX. Then they increased my balance after I made another payment in XXXX. I have attached my <em>credit</em> report to show my payment history and my balance in XXXX verses XXXX 2019 2019"]},"sort":[11.965654,"3402275"]},{"_index":"complaint-public-v1","_id":"4175119","_score":11.684382,"_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":["I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my <em>credit</em> 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!!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.684382,"4175119"]},{"_index":"complaint-public-v1","_id":"4169191","_score":11.661141,"_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":["I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my <em>credit</em> 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!!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.661141,"4169191"]},{"_index":"complaint-public-v1","_id":"4174899","_score":11.658158,"_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":["I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my <em>credit</em> 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!!"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.658158,"4174899"]},{"_index":"complaint-public-v1","_id":"11816417","_score":11.316156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am not even sure if i clicked the right boxes because they didn't quite fit my complaint. Back in XXXX XXXXXXXX solar sold me on solar panels with the promise of in their words \" sticking it to XXXX ''. I was promised many things by the solar company, including panels that work and provide enough energy to not only get rid of my energy bill but also enough power to send back to the grid and generate credits for the future. I was promised XXXX insulation roughly to the sum of {$10000.00}, they did not install any insulation. I was promised a federal tax credit of 26 % of the cost of the solar panels which i also did not receive, as the salesman worded it as if i was going to receive a lump sum check that i could pay back to Dividend Finance, the lender, to help pay down the loan, which also did not happen. Instead, the salesman pushed and pushed to have me sign everything the same day so i could not read it properly in length and have time to consider such a big purchase. I have read that the finance company is in litigation in other states because of misrepresentation by the solar company, and for HIDDEN FINANCE CHARGES, which to my knowledge is illegal under the Truth In Lending Act. I have been paying the finance company on time every month since XXXX, while also paying an electric bill that i was promised would not exist. They also told me that the solar panels on the north side of my roof would generate enough power and wouldn't be a problem, but they are almost never touched by the sun to generate any power whatsoever. The system has failure after failure, and is now causing mold damage to the north side of my roof, since the panels are almost in complete darkness even during the day, the underside of the panels has become a haven for mold. I just need some guidance as to how or what i can do to be free of this pain. The finance company gives me the runaround and wont let me see my loan when i try to go on their portal to view it, it says my loan does not exist. i have asked them about it and they say that they can see it on their end but give me no solution as to why i can not see it. I have contacted the Michigan Attorney General about this and they are working on something but who knows how long or what they are doing about it. I want help to see if they have hidden finance charges on my loan as well and also how would i find this information on my own if possible. The truth in lending act disclosure does not give any breakdown of the cost of the panels, installation, or anything, all it says is my loan amount and the apr, and the finance charge of it being paid over 30 years. Please help or at least point me in any proper direction.","date_sent_to_company":"2025-01-28T22:14:06.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11816417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-01-28T21:33:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Please help or at least <em>point</em> me in any proper direction."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_issue":["Difficulty submitting a dispute or getting information <em>about</em> a dispute over the phone"]},"sort":[11.316156,"11816417"]},{"_index":"complaint-public-v1","_id":"2570732","_score":11.290862,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have proof of more harassment by Equifax employees. I have previously reported, in at least 3 separate complaints to the CFPB different incidents regarding Equifax and my credit report. I have proof that they have tried to botch my credit report to prevent me from obtaining credit, which may have played a role in a recent credit denial I received. This has caused monetary loss, as well as pain and suffering for the months I 've been harassed by them and tried to get help from agencies to not much avail. I want this to be public so that if other people besides me are experiencing this, they know they 're not alone and that perhaps we can file a class action at some point. <P/>To begin, Equifax has added to three different accounts a consumer statement that I DID NOT add or tell them them add. I did not know this was even legal. If it 's not, then I 'm wondering why something has not been done about this already. Since when can they add a consumer statement that is n't from the consumer? It 's clear in black in white that the statement they 've added is even gone so far as to be in third person. Saying \" consumer disputes this information ''. Which means they are clearly writing on BEHALF of me without my permission. Please ask Equifax where the records are of me asking them to write \" consumer disputes this information '' on all the accounts they 've placed it on. What concerns me the most is that they 've added this statement to an account in good standing, in which I 've never had any issues with. It is my understanding that if something is under a dispute it will not show on a credit report. If this is the case with this, legal action should be taken, or something absolutely should be done. This would prove that they are trying to prevent positive/accurate information from showing on a credit report by their own statements they 've added. I did n't add the statement, they did. It 's even in third person, it ca n't be denied. Even if it is still showing on my credit report and I 'm mistaken, that makes it seem like the information on that account is incorrect or something is not right about it. This is not the case. One last time, I would swear under penalty of perjury that I have NEVER disputed the information on this XXXX XXXX account. Nor have I added any statement to it. They added this statement without my permission. <P/>Please ask them where they got this information from. Please do something about this. They need to remove all 3 instances of this from my credit report, because they have no right to add any consumer statement without my permission. They do not have my permission to add any consumer statements that they wrote. Only statements that I have submitted MYSELF, written MYSELF, and asked to be put as a statement MYSELF. I 've attached a screenshot of my online report. In addition this statement also showed on the paper report mailed to me, which is how I first found out about it.","date_sent_to_company":"2017-07-11T15:56:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"755XX","tags":null,"has_narrative":true,"complaint_id":"2570732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-11T15:26:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have previously reported, in at least 3 separate <em>complaints</em> to the CFPB different incidents regarding Equifax and my <em>credit</em> report. I have proof that they have tried to botch my <em>credit</em> report to prevent me from obtaining <em>credit</em>, which may have played a role in a recent <em>credit</em> denial I received. This has caused monetary loss, as well as <em>pain</em> and suffering for the months I 've been harassed by them and tried to get help from agencies to not much avail."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.290862,"2570732"]},{"_index":"complaint-public-v1","_id":"2959277","_score":11.174569,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Back in XXXX I contacted BMW Financial about my closed and paid account not reporting to XXXX, also stated that I've spoken to the credit reporting agency XXXX and they stated the account was deleted in XX/XX/XXXX. In XXXX I sent in a goodwill letter and also sent in another paper that made the complaint about the account not showing on XXXX. The complaint in XXXX was verbal and the complaint in XXXX was through postal service. I have attached the copy of letter and credit reporting complaint attached. When I contacted BMW both in XXXX and XXXX I was told the situation would be fixed. \n\nTill date, the situation hasn't been fixed. BMW tried to fix the mistake in XXXX by reporting account, but you can't report an account that was deleted. This info has been given to me by XXXX  representative and also their executive offices. BMW FAILED TO REINSERT THE ACCOUNT. \n\nAfter my postal letter for Goodwill and my CR Complaint was received on XXXX nut uploaded in their system on XX/XX/XXXX I contacted BMW in regards to receiving it and asking them to reinsert the account they deleted. They claimed they received the documents and will work with the CR Team. \n\nAfter everything by Goodwill letter was denied and also by CR remained unchanged. When I spoke to a representative they stated they reported my account again on XX/XX/XXXX. \n\nSee, someone trained in this CR Department would know if the account was deleted, even when reported, would not populate, therefore the account would have to be reinserted for the reporting to populate. I stated this many times and even had some representatives agree. \n\nI've spent over 15 hours on the phone with BMW to resolve the issue, which doesn't include the time on the phone with XXXX. \n\nAfter so many attempts, I had a convo with XXXX or XXXX a SUpervisor at BMW. Sweetest gentlemen I've spoken with this year probably. He actually listened and went a step further and had me call XXXX to hear it personally. \n\nAfter getting told the same info that the account would have to be reinserted and also they can call the XXXX Maintenance number and have the account updated in real time, he said he would let the CR Team at BMW know and the case should be resolved soon.\n\nEver since then the CR Team has said they called XXXX and have been waiting for a call back on an issue that has been an excuse over a week now. Yesterday on XX/XX/XXXX I get a call stating they can't do anything because they're not getting a callback from XXXX. \n\nHow can a customer get the Exectuive Offices at XXXX from the customer service line and a whole creditor can't get someone on the phone? Sounds like I'm just getting the run around at this point. \n\nAfter the call, I immediately called back and spoke to another SUpervisor named XXXX, which I spoke to in the past. XXXX was the supervisor which made me send proof of all the of my credit reports just to substantiate that I guess \" I wasn't making up a lie '' about account not showing on XXXX Report. \n\nI sent in the info on XX/XX/XXXX. Track forward to today I find out that BMW used that email and stated that the dispute started on that date but they have 30 days. Mind you this has been an ongoing issue that has been almost 60days in with no resolution in sight. This info was given to me by the supervisor XXXX. \n\nWhen I also spoke to XXXX yesterday he stated the reason they can't upload my file is that my file is suppressed and that was the information they got this morning. But the conversation I had with a REP said something completely different. \n\nShe stated that she just got off the phone with the person handling my case in the CR Department and they're waiting for this PHONE CALL - STILL? \n\nNow, something is fishy? Everybody is running in circles and now making up lies. ANd I believe the lies just fall in not wanting to do the work for a 60 day plus dispute. \n\nWhen I spoke to XXXX on XX/XX/XXXX he stated pretty much, take a seat and in 30 days will get back to you. So really this dispute will be going on 90 days, with no resolution just the runaround. \n\nBMW fails to understand that the account now showing hurts my credit tremendously. The same issue which is preventing me from getting the best rate personal loan at my Credit Union which pulls XXXX for XXXX, which I've postponed 2 times now, waiting on BMW. I contacted my Doctor today and I will have to find a new XXXX   because they can't keep rescheduling me anymore.\n\nNow I have to pay for my doctor visits and test, all out of pocket.\n\nSomething BMW financial is not helping with but causing the issue. I've sat her in pain and in patience and can no longer deal anymore. CFPB is my last and final option before seeking LEGAL ACTION.\n\nHow somebody can call begging for 15 hours total and nothing is being done is just disrespectful and cruel. \n\nI do thank XXXX and the other representative I spoke to the day after we first talked for probably being the most professional and caring individuals I've ever spoken with. \n\nI can't keep being in pain with XXXX  of XXXX at XXXX when the ideal is XXXX. Makes no sense, how I'm being treated.","date_sent_to_company":"2018-07-10T15:20:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Loan","zip_code":"75022","tags":null,"has_narrative":true,"complaint_id":"2959277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2018-07-10T14:24:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Back in XXXX I contacted BMW Financial <em>about</em> my closed and paid account not reporting to XXXX, also stated that I've spoken to the <em>credit</em> reporting agency XXXX and they stated the account was deleted in XX/XX/XXXX. In XXXX I sent in a goodwill letter and also sent in another paper that made the <em>complaint</em> <em>about</em> the account not showing on XXXX. The <em>complaint</em> in XXXX was verbal and the <em>complaint</em> in XXXX was through postal service."],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"]},"sort":[11.174569,"2959277"]},{"_index":"complaint-public-v1","_id":"8298365","_score":11.063677,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX - An attempt was made to fraudulently wire transfer over {$48000.00} from my business checking account, which Citibank blocked. However, I was not notified in any way that this attempt was made. I only learned about it in a later call with the bank 's customer service. I could have told them to block the account at this time had they let me know and saved a lot of money, pain and suffering. \n\nXX/XX/XXXX - A fraudulent transfer of {$46000.00} was debited from my account. Again, I was not notified in any way ( text, email or phone ) that this transfer was made. I noticed the transaction later in the day. It showed as pending on my online banking, so I immediately called Citibank. They told me that the wire transfer department was already closed and that I would have to call back when they opened in the morning. I called a second time, requesting that some action could be taken immediately, but was refused any help. ( During a later call with the bank, I was instructed that Citibank actually does have an after hours process, but they refused me this information at that time. ) XX/XX/XXXX - I called the wire transfer department as soon as they opened to report the fraudulent transaction. At this point, they said the wire had already gone through to and it was out of their hands, but they would issue a wire recall request. I filed a police report and FBI report. \n\nXX/XX/XXXX - A credit of {$1700.00} appeared in my account that was affected by fraud. This is the amount Citibank was able to recover from the thieves. \n\nXX/XX/XXXX - Citibank told me that my claim had been denied, but gave no reason why. I requested an appeal and sent them the police report and FBI report. \n\nXX/XX/XXXX - I received a letter saying \" We have completed our investigation of your fraud claim. Please note it has been denied. Our decision was based on : \" Leaving a blank where they should have written how they made their decision. \n\nI am writing to you in hopes you can help me recover the stolen funds. I have spent an enormous amount of time trying to work with Citibank in trying to resolve the issue. There are \" notes '' for my case in the Citibank system that should show all the time I have spent on the phone and in the branch with them. \n\nI previously lodged a complaint under XXXX, but received a response that the complaint listed someone not on the account. I did not name anyone in that complaint, so do not accept this as a basis to refuse my reasonable request.","date_sent_to_company":"2024-02-08T04:37:54.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94520","tags":null,"has_narrative":true,"complaint_id":"8298365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-02-08T04:23:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I previously lodged a <em>complaint</em> under XXXX, but received a response that the <em>complaint</em> listed someone not on the account. I did not name anyone in that <em>complaint</em>, so do not accept this as a basis to refuse my reasonable request."]},"sort":[11.063677,"8298365"]},{"_index":"complaint-public-v1","_id":"3153064","_score":11.060634,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I filed a complaint against TransUnion & XXXX  for reinserting a 5 year old Bankruptcy ( Case # XXXX ) without notifying me in writing with in the five business days required by FCRA, Part ( A ) ( 5 ) ( B ). The reason the BK had been deleted about 5 years ago was do to the fact there was many inaccuracy reporting on the Bankruptcy. Such as wrong filing date, date the BK was closed the address and name of the correct Bankruptcy court. They even had my address incorrect. After I filed my complaint XXXX  sent me a letter stating that they had removed the Bankruptcy off my credit. I was really relieved considering at the time I was in the middle of closing on some rental property and had to take a big financial lose because of what had just inspired with my credit taking a major hit which caused me a lot of stress and some miner physical pain. So now both XXXX  and XXXX   was showing my credit report correctly and I just knew TransUnion would follow suite , but they did just the opposite. On XX/XX/XXXX I received a letter from Transunion stating that on the date of XX/XX/XXXX and XX/XX/XXXX they had did an investigation into Texas Federal Court XXXX and at that time when they did investigation they had verified the account. So they went on to say that they would reopen the case and do an new investigation into the matter and send me out a letter once its been done with the new results. XX/XX/XXXX is the last I've herd from Transunion. From my understanding they have 30-45 days to do an investigation and send out the results or they must remove the item off the consumer report. I have yet to receive anything but yet they are still reporting this on my credit which is a violation of FCRA. Transunion is also in violation for not sending out a letter with in 5 days of reinserting a deleted item. I don't understand why Transunion claimed they did investigation back in XXXX and XX/XX/XXXX because its irrelevant considering it was deleted anyways back then for the violation that i noted. But from my true understanding section 609 protects me against false reporting and i would like to point out that this exactly what this is. TransUnion is the only bureau reporting this on my credit and have yet to explain why or show any prove. Transunion needs to remove the BK off my credit or my next step will to seek legal actions against them.","date_sent_to_company":"2019-02-15T08:41:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90501","tags":null,"has_narrative":true,"complaint_id":"3153064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-15T08:25:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["After I filed my <em>complaint</em> XXXX  sent me a letter stating that they had removed the Bankruptcy off my <em>credit</em>. I was really relieved considering at the time I was in the middle of closing on some rental property and had to take a big financial lose because of what had just inspired with my <em>credit</em> taking a major hit which caused me a lot of stress and some miner physical <em>pain</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.060634,"3153064"]},{"_index":"complaint-public-v1","_id":"2590498","_score":11.053104,"_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":["I called the advocate office and they would n't open a <em>complaint</em> 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 <em>pain</em> due to the XXXX. I do n't know what else to do at this <em>point</em>. These loans were already and issue because they were illegally modified for approval."]},"sort":[11.053104,"2590498"]},{"_index":"complaint-public-v1","_id":"2703593","_score":10.978928,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX  and this has impacted my health and I am starting to feel frustrated, pain and inflammation. \nDesired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. \n\nThis was an unauthorized act from Navient - I never agreed to any income default or forbearance","date_sent_to_company":"2017-10-16T23:26:20.000Z","issue":"Written notification about debt","sub_product":"Federal student loan debt","zip_code":"31909","tags":null,"has_narrative":true,"complaint_id":"2703593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-10-16T23:19:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX <em>Complaint</em> Summary <em>Complaint</em> Type : Consumer to Business <em>Complaint</em> Nature of <em>complaint</em> : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired <em>about</em> the amount and delinquent status."],"issue":["Written notification <em>about</em> debt"]},"sort":[10.978928,"2703593"]},{"_index":"complaint-public-v1","_id":"1357316","_score":10.809912,"_source":{"product":"Mortgage","complaint_what_happened":"We have already submitted several complaints about same situation and now I have just found out more information which is destroying us and needs rectified immediately. One of past complaint numbers is XXXX. This should help you get the other and all past case information. Thank you. \nThe new case info I just found is that Bank of America placed info in our credit file that states we had a foreclosure started. I warned them at least 2 years ahead of situation that was coming and they did not do mod until we missed payment. We made late penalty and then made payments during mod process until we were advised by BoA not to any more. But BoA still kept late payment time adding up.BoA messed up several times delaying everything. When finished mod. BoA only extended high interest rate ( 5 3/4 % ) and made loan 40 yrs instead of 2 % for 30 yrs even though our monthly set bills where over the ratio required. Then we missed the XXXX mortgage payments also with BoA and so we went through Save the Dream Ohio and BoA messed up again even with us warning them ahead of time up front not to make the mistake they did. BoA just brought it current which was of no use as we could not make payments and needed it paid off with Save the Dream funds. It took several more months to get BoA to get act together and finally with the remaining Save the Dream funds and added funds we borrowed from Family got XXXX paid off completely. We were told we could refi in 1 year on XX/XX/XXXX. Now have tried and just found out BoA messed up again. BoA placed foreclosure inforemation on our credit report such that 1st they do not have the late payment off untill XX/XX/XXXX not XX/XX/XXXX, then also because of foreclosure info ( which we did not have ) making a XXXX on some refi banking thing. We can not refi untill XX/XX/XXXX at all. BoA is killing our finances and Family. BoA executives should be taken to jail as we at a point were working with the executive offices of BoA. All this requires fixing immediately and even compensation for BoA 's hardships, pain and suffering they have caused us and I am sure many others. \nXXXX XXXX XXXX","date_sent_to_company":"2015-05-01T15:51:27.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"43026","tags":null,"has_narrative":true,"complaint_id":"1357316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-05-01T15:51:26.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We have already submitted several <em>complaints</em> <em>about</em> same situation and now I have just found out more information which is destroying us and needs rectified immediately. One of past <em>complaint</em> numbers is XXXX. This should help you get the other and all past case information. Thank you. \nThe new case info I just found is that Bank of America placed info in our <em>credit</em> file that states we had a foreclosure started."]},"sort":[10.809912,"1357316"]},{"_index":"complaint-public-v1","_id":"3237510","_score":10.485112,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My complaint is harassment and penalizing treatment by XXXX XXXX aka XXXX XXXX aka XXXX XXXX, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. \n\nXXXX XXXX XXXX XXXX XXXX purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I  requested a deferment from XXXX, and was granted a via letter datedXX/XX/XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer XXXX I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That XXXX purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase,  XXXX a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing XXXX to cancel their Forced Purchase. XXXX at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. \nXXXX XXXX pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given XXXX more than {$100000.00} over the life of the loan. I refused the modification and informed XXXX I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed XXXX was unfair, harrassing and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. XXXX reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them have been recorded by them. I had an attorney sent a letter w/no resolution.","date_sent_to_company":"2019-05-09T20:09:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"285XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3237510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-09T20:09:23.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX reported to the <em>credit</em> agencies 90, 60 and 60 days late payment even though I <em>pain</em> all owed. All conversations and calls to them have been recorded by them. I had an attorney sent a letter w/no resolution."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.485112,"3237510"]},{"_index":"complaint-public-v1","_id":"3237378","_score":10.485112,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My complaint is harassment  and penalizing  treatment by Midland Mortgage aka Midfirst Mortgage aka Midland Bank, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. \n\nXXXX XXXX XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I requested a deferment from XXXX, and was granted a via letter dated XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer Midland I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That Midland purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase, Midland a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing Midland to cancel their Forced Purchase. Midland at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. \nMidland Mortgage pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given Midland more than {$100000.00} over the life of the loan. I refused the modification and informed Midland I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed Midland was unfair, harrassing  and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. Midland reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them  have been recorded by them. I had an attorney sent a letter w/no resolution.","date_sent_to_company":"2019-05-17T13:12:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"285XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3237378","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2019-05-09T19:06:37.000Z","state":"NC","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":["Midland reported to the <em>credit</em> agencies 90, 60 and 60 days late payment even though I <em>pain</em> all owed. All conversations and calls to them  have been recorded by them. I had an attorney sent a letter w/no resolution."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[10.485112,"3237378"]},{"_index":"complaint-public-v1","_id":"5046269","_score":10.369726,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2021 I purchased Internet service for my XXXX XXXX from XXXX for {$44.00} I call them up on the phone and they had me pay through a link with my capital one credit card I paid for the service and they told me the service was effective they told me I would be getting between 12 and MB 25 per second and they advised me if I had any technical issues they give your phone and the phone call ended I connected the XXXX XXXX  got the password for my computer and the service was about XXXX MB per second I could not navigate you could not go from one website to the other it was not functioning it was too slow I did some quick research online and found hundreds of complaints about XXXX XXXX I had given them my home address and ZIP Code they advised me that there was service my area with the speeds that they described to me as I said I went onto the Internet I found hundreds of cases with people were given misinformation lied to On that same day XXXX XXXX I contacted the technical people they said they literally set all the connections and that I would get a better speed of Internet service it would take between 12 and 24 hours I waited 24 hours at that point had no service whatsoever non-it was not functioning I call them back they told me to go and get a new Sim card went to the XXXX store in XXXX Pennsylvania and they gave me a new Sim card at no charge I went home and connected it there was still no connection I called back this technical people they told me they had a reset the connections 24 hours later there was no service whatsoever I called in and request a refund and to cancel the service they told me to contact my credit card company and request the chargeback and they would not contest I did that on XXXX XXXX so far they had sent me no receipt whatsoever they sent me numerous emails to my email would no receipt no invoice I contacted my credit card company and told him exactly what transpired they put in the dispute XXXX answer them back and they put the chargeback on my account I called my credit card company and they refused to do anything about the charge they requested that I spent {$1500.00} to have a private company come to my home and verify that XXXX 's Internet service was not working the charges {$44.00} they requested an invoice or receipt for the service which I never got I was never sent an invoice or receipt they advised me that they did receive an invoice or receipt from XXXX when I contested the service and they refused to share with me and wanted me to get a receipt from XXXX I call XXXX numerous times last time I called was XX/XX/2021 asking for receipt they advised me that being that I cancel the service they could give me access to an account or an invoice however they are still maintaining the services open the account is still operational when I call back and I give them my phone number they tell me I owe pain so this is an open case of extremely strange behavior I've done everything I possibly can and been manipulated and basically misled","date_sent_to_company":"2021-12-28T07:33:54.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"5046269","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-12-28T02:14:20.000Z","state":"PA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["second I could not navigate you could not go from one website to the other it was not functioning it was too slow I did some quick research online and found hundreds of <em>complaints</em> <em>about</em> XXXX XXXX I had given them my home address and ZIP Code they advised me that there was service my area with the speeds that they described to me as I said I went onto the Internet I found hundreds of cases with people were given misinformation lied to On that same day XXXX XXXX I contacted the technical people they"],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[10.369726,"5046269"]},{"_index":"complaint-public-v1","_id":"3359832","_score":10.205078,"_source":{"product":"Debt collection","complaint_what_happened":"On or about XX/XX/XXXX this year I received a letter from Portfolio Recovery Associates, LLC demanding payment on a debt that is not mine. \n\nOn XX/XX/XXXX I informed Portfolio Recovery Associates that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. \n\nOn XX/XX/XXXX I received the response from Portfolio Recovery Associates rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt XXXX XXXX to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida. \n\nAt this point I thought it best to hire an attorney. \n\nOn XX/XX/XXXX my attorney sent a letter to Portfolio Recovery Associates requesting further information. He specifically asked for a complete executed copy of any agreement between XXXX and myself. On XX/XX/XXXX Portfolio Recovery Associates again responded but did not send the information he specifically requested. All he received were more summary credit card statements. \n\nThe reason that Portfolio Recovery Associates can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 Portfolio Recovery Associates informed the credit reporting company XXXX   that this account was in collection under my name. \n\nThe facts are : 1 ) all correspondence from XXXX to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this. \n\n2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also. \n\nI believe that Portfolio Recovery Associates is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told Portfolio Recovery Associates multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information. \n\nPortfolio Recovery Associates can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account. \n\nSince Portfolio Recovery Associates falsely and maliciously informed XXXX that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau. \n\nI am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct Portfolio Recovery Associates ' errors.","date_sent_to_company":"2019-08-31T13:19:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78633","tags":null,"has_narrative":true,"complaint_id":"3359832","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-08-31T13:00:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Since Portfolio Recovery Associates falsely and maliciously informed XXXX that this debt is mine my <em>credit</em> score and rating have dropped substantially, damaging my reputation and impacting my ability to get future <em>credit</em>. This has caused me great <em>pain</em> and mental anguish. Because of this I have filed a <em>complaint</em> with the Texas Attorney Generals Office ( <em>complaint</em> number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau."],"sub_product":["<em>Credit</em> card debt"]},"sort":[10.205078,"3359832"]},{"_index":"complaint-public-v1","_id":"3360870","_score":9.756755,"_source":{"product":"Debt collection","complaint_what_happened":"On or about XX/XX/XXXX this year I received a letter from XXXX XXXX XXXX, XXXX demanding payment on a debt that is not mine. \n\nOn XX/XX/XXXX I informed XXXX XXXX XXXX that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. \n\nOn XX/XX/XXXX I received the response from XXXX XXXX XXXX rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt CapitalOne Bank to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida. \n\nAt this point I thought it best to hire an attorney. \n\nOn XX/XX/XXXX my attorney sent a letter to XXXX XXXX XXXX requesting further information. He specifically asked for a complete executed copy of any agreement between CapitalOne and myself. On XX/XX/XXXX XXXX XXXX XXXX again responded but did not send the information he specifically requested. All he received were more summary credit card statements. \n\nThe reason that XXXX XXXX XXXX can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 XXXX XXXX XXXX informed the credit reporting company XXXX that this account was in collection under my name. \n\nThe facts are : 1 ) all correspondence from CapitalOne to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this. \n\n2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also. \n\nI believe that XXXX XXXX XXXX is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told XXXX XXXX XXXX multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information. \n\nXXXX XXXX XXXX can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account. \n\nSince XXXX XXXX XXXX falsely and maliciously informed XXXX  that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau. \n\nI am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct XXXX XXXX XXXX ' errors.","date_sent_to_company":"2019-08-31T13:19:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78633","tags":null,"has_narrative":true,"complaint_id":"3360870","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-08-31T13:19:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Since XXXX XXXX XXXX falsely and maliciously informed XXXX  that this debt is mine my <em>credit</em> score and rating have dropped substantially, damaging my reputation and impacting my ability to get future <em>credit</em>. This has caused me great <em>pain</em> and mental anguish. Because of this I have filed a <em>complaint</em> with the Texas Attorney Generals Office ( <em>complaint</em> number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau."],"sub_product":["<em>Credit</em> card debt"]},"sort":[9.756755,"3360870"]},{"_index":"complaint-public-v1","_id":"11851048","_score":9.688396,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I went to California Check Cashing located at XXXX XXXX XXXX, XXXX, CA XXXX, On or about XX/XX/XXXX ( it was a Saturday ) and obtained a payday loan in the amount of {$250.00}. The cancellation portion of the contract states that you are able to cancel the loan without having to pay the interest if you return the cash in the office within 24hrs or the next business day that the loan was originated. On the next business day ( on or about XX/XX/XXXX ) I went into the same location with the total amount of {$250.00} in cash attempting to resend/ cancel the loan. I was denied the ability to resend the loan. I requested that uper management be called as it was in writing via the contract. They refused to take the money and give me a receipt. I expressed several times over a extended period of time that I was in the store front, that I was cancelling the loan. I even expressed that if they would NOT take it and giver proof of payment that I in fact did not owe the money. After what seemed like hours in the store front in effort to resolve the issue. I was denied me ability do so. I requested correspondence from higher ups prior to retreating from my efforts to get them to fix the issue. \n... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... \nFast forward... Towards the end of XXXX XXXX XXXX emailed me letting me know there were changes to my credit. California Check Cashing reported to credit agencies that I owed {$310.00}. I contacted them filed a complaint as this information was not correct and waited for them to reach out after having one of their customer service reps yell at me being very disrespectful upon a call back after pervious who was helping was disconnected. I received no correspondence ; not by email, XXXX or phone. \n... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... \nI reached out again after allowing a reasonable amount of time ( well over a month ) due to the rising of more undue hardships because of the situation on XX/XX/XXXX. I was informed that the ticket was closed without anyone contacting in any form still ( not by email, XXXX or phone ) even though I was requested to provide all forms of contact while filing the complaint. They stated they had the wrong number on file and a ticket would have to be reopened. I requested that the person helping me to review notes. He did, stating that I took the loan out on the XXXX of of XX/XX/XXXX. Their notes reflected that ( exactly as transcribed from audio recording ) on the XXXX you came in to pay off and resend loan for {$250.00} and that they explained that the contract she has 24hrs on the next business day to pay it. End of note on record... The individual that read me the notes said which makes no sense because the next business day would have been the XXXX. My response was exactly. That was my point! ( I have a recording of that actual call ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... \nBaffled by the fact that the record reflects those very facts that it wasn't corrected despite their supposed efforts to reach out only by phone to a number that was non existent, I had been a customer for many many years and they never had an issue calling to get me to take out a new loan. \n... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... \nAt this point I need the issue resolved as I was due to purchase a new vehicle due to the lack of transportation while my mother is fighting stage XXXX XXXX so that I can help her fight it, instead I have been force to rent a vehicle for over a month costing me undue hardship that has extended to my family. Since the original contact effort to correct the issue my medical health has declined bringing about the possibility of life threatening circumstances and excruciating pain physically as I have not been able to seek treatment due to the lack of ability to qualify for financing for service because of the false information that has been reported on my credit, along with other undue hardships. I explained this to the gentleman helping me on XX/XX/XXXX that I would have to reach out to consumers because of all the hardships. He asked me to hang tight... Today is XX/XX/XXXX and I still have not heard anything from them ... causing more suffering and undue hardship so I am filling this complaint.","date_sent_to_company":"2025-01-30T20:11:10.000Z","issue":"Incorrect information on your report","sub_product":"Payday loan","zip_code":"95823","tags":null,"has_narrative":true,"complaint_id":"11851048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2025-01-30T19:38:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Since the original contact effort to correct the issue my medical health has declined bringing <em>about</em> the possibility of life threatening circumstances and excruciating <em>pain</em> physically as I have not been able to seek treatment due to the lack of ability to qualify for financing for service because of the false information that has been reported on my <em>credit</em>, along with other undue hardships."]},"sort":[9.688396,"11851048"]},{"_index":"complaint-public-v1","_id":"2495993","_score":8.970122,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The loan account with   XXXX   XXXX   XXXX   does not belong to me it is not my account. This loan account belongs to my ex-husband/signi ficant other. I was never on the loan account.   XXXX   XXXX   from    XXXX   XXXX   XXXX   fraudulently added me to the loan account in  XX/XX/XXXX  - before that I was never on the loan account because I am not a borrower/co-borrower. The account was opened in  XXXX  as a result of a refinance and my name has never been on the loan account until   XXXX   XXXX   added it in  XX/XX/XXXX . This loan account has never been reported on my credit report by the   XXXX   major credit bureaus since   XXXX   when it was opened it has only recently started being reported to the credit bureaus ( and on my credit report ) as of  XX/XX/XXXX  ( yet the credit bureaus now indicate I had this account from   XXXX   to present ). In order to ask questions about the account, my significant other had to add me as an authorized person ; when applying for a loan modification my significant other had to use my income as a household contributor these are just several examples that clearly show I was not on the loan as a borrower/co-borrower. Also prior to    XX/XX/XXXX  correspondence from   XXXX   XXXX   XXXX   was always sent to my significant other ; after  XX/XX/XXXX , for the first time, my name was added to any correspondence from   XXXX   XXXX   XXXX  . At the closing for this loan,   XXXX   XXXX   XXXX   indicated that I could not be on the loan because of my credit - my name was on the original set of loan documents but when it was decided that my credit was not good enough to be on the loan,   XXXX   XXXX   XXXX   then sent over a duplicate set of loan documents but with only my significant others name on them for him to sign my name was not on any of the loan documents. The first set that had my name/signature were to be discarded by   XXXX   XXXX   XXXX   ; the second set only contained the name of my significant other on the loan as the loan is only in his name. I am attaching the documents indicating that my significant other is the only borrower on the loan.\n<P/>\nAt the time my name was added to the account, my significant other was applying for a loan modification and   XXXX   XXXX   was the single point of contact. When I submitted my financial information as a household contributor and   XXXX   XXXX   saw that it had increased from prior months, I believe that is when he decided to fraudulently add my name to the loan account. When I discovered this and addressed this issue with   XXXX   XXXX  , he pretended that he would investigate the issue and get back to me I never heard back from him regarding this. In fact, the loan had been transferred to another Loan Servicing agency the very next month.   XXXX   XXXX   XXXX   continues to report and verify that this account belongs to me after several disputes with credit agencies. If you were to follow the paper trail and review the loan documents recorded with the state and/or title company, you will find that my name is not on any of the loan documents and that I did not sign as a borrower/co-borrower. I ask that   XXXX   XXXX   XXXX   do their due diligence and remove this account from my credit and correct this with the credit reporting bureaus as soon as possible as this has caused much pain and suffering with regards to attaining life goals. Please see attached documents to support my complaint.\n<P/>\nBest Regards","date_sent_to_company":"2017-05-28T16:26:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"2495993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-05-28T16:26:37.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I ask that   XXXX   XXXX   XXXX   do their due diligence and remove this account from my <em>credit</em> and correct this with the <em>credit</em> reporting bureaus as soon as possible as this has caused much <em>pain</em> and suffering with regards to attaining life goals. Please see attached documents to support my <em>complaint</em>.\n<P/>\nBest Regards"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.970122,"2495993"]},{"_index":"complaint-public-v1","_id":"2495991","_score":8.970122,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The loan account with BSI Financial Services does not belong to me it is not my account. This loan account belongs to my ex-husband/significant other. I was never on the loan account. XXXX XXXX from BSI Financial Services fraudulently added me to the loan account in XXXX XXXX - before that I was never on the loan account because I am not a borrower/co-borrower. The account was opened in XXXX as a result of a refinance and my name has never been on the loan account until XXXX XXXX added it in XXXX XXXX. This loan account has never been reported on my credit report by the XXXX major credit bureaus since XXXX when it was opened it has only recently started being reported to the credit bureaus ( and on my credit report ) as of XXXX XXXX ( yet the credit bureaus now indicate I had this account from XXXX to present ). In order to ask questions about the account, my significant other had to add me as an authorized person ; when applying for a loan modification my significant other had to use my income as a household contributor these are just several examples that clearly show I was not on the loan as a borrower/co-borrower. Also prior to XXXX XXXX, correspondence from BSI Financial Services was always sent to my significant other ; after XXXX XXXX, for the first  time, my name was added to any correspondence from BSI Financial Services. At the closing for this loan, BSI Financial Services indicated that I could not be on the loan because of my credit - my name was on the original set of loan documents but when it was decided that my credit was not good enough to be on the loan, BSI Financial Services then sent over a duplicate set of loan documents but with only my significant others name on them for him to sign my name was not on any of the loan documents. The first set that had my name/signature were to be discarded by BSI Financial Services ; the second set only contained the name of my significant other on the loan as the loan is only in his name. I am attaching the documents indicating that my significant other is the only borrower on the loan. <P/>At the time my name was added to the account, my significant other was applying for a loan modification and XXXX XXXX was the single point of contact. When I submitted my financial information as a household contributor and XXXX XXXX saw that it had increased from prior months, I believe that is when he decided to fraudulently add my name to the loan account. When I discovered this and addressed this issue with XXXX XXXX, he pretended that he would investigate the issue and get back to me I never heard back from him regarding this. In fact, the loan had been transferred to another Loan Servicing agency the very next month. BSI Financial Services continues to report and verify that this account belongs to me after several disputes with credit agencies. If you were to follow the paper trail and review the loan documents recorded with the state and/or title company, you will find that my name is not on any of the loan documents and that I did not sign as a borrower/co-borrower. I ask that BSI Financial Services do their due diligence and remove this account from my credit and correct this with the credit reporting bureaus as soon as possible as this has caused much pain and suffering with regards to attaining life goals. Please see attached documents to support my complaint. <P/>Best Regards","date_sent_to_company":"2017-05-30T18:48:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"2495991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Servis One, Inc., Titusville, PA Branch","date_received":"2017-05-28T14:16:42.000Z","state":"MD","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I ask that BSI Financial Services do their due diligence and remove this account from my <em>credit</em> and correct this with the <em>credit</em> reporting bureaus as soon as possible as this has caused much <em>pain</em> and suffering with regards to attaining life goals. Please see attached documents to support my <em>complaint</em>. <P/>Best Regards"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company believes <em>complaint</em> is the result of an isolated error"]},"sort":[8.970122,"2495991"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":105,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":105}]}},"product":{"doc_count":105,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":27,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":25},{"key":"Credit repair 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