{"took":150,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":18,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3458542","_score":22.508955,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XXXX XXXX, XXXX I went to a check cashing center in XXXX California at : XXXX XXXX XXXX, XXXX California XXXX. I went there to specifically get a payday loan for {$200.00}. I asked the clerk, do you check credit for a payday loan? She replied \" No ''. \nI said okay I would like to apply for a payday loan of {$200.00}. She took my personal information, and processed the application for a payday loan. At no time did the clerk ever tell me that I was applying for a XXXX XXXX XXXX loan. That loan is not a payday loan. \nNo where on the payday loan documents does it say the word XXXX XXXX XXXX. I had never heard of XXXX XXXX XXXX until I received a letter from then from a phony address over a month after I had already paid back the payday loan. I received a letter stating that I had applied for a XXXX XXXX which is a lie. It stated that I did not qualify for the loan and that they had accessed both XXXX  and XXXX. They violated the Fair Credit Reporting Act by illegally accessing my credit reports and doing what is called a hard Inquiry. What really is happening is that XXXX XXXX along with check cashing businesses are going behind consumers backs and attempting to use their personal information to open up loans. This is illegal and its identity theft along with a direct violation of the 1964 Civil Rights Act, Criminal Identity Theft California Criminal Code 530.5 PC # 619 obtaining  information under false pretenses. I contacted the Check Cashing CEO and I made an undisclosed settlement with the Check Cashing for these violations. That does not excuse them from breaking the law. XXXX XXXX has continuously lied about this. XXXX XXXX does not have a signed loan application with my signature on it which is required by federal law, and state of California law. I do not intend to allow them to get away with this fraudulent behavior. So I realize that CFPB will only contact XXXX XXXX and tell them to contact me. This will not solve this injustice, and I intend to bring the full law down on them in Federal Court very soon. \nXXXX XXXX XXXX is using numerous names, like Lendify and Insikit, they use several false addresses also, and they have false information filed with the Secretary of State in California. They were recently sued in Federal Court in the northern district of California, for breaking other consumer laws on loans. XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX California XXXX. XXXX XXXX XXXX, uses voip to send all calls to a third world country where the people who answer their line can not speak or comprehend english, that number is XXXX. I expect this complaint should be turned over to federal investigators because I am making a direct accusation that I am not the only victim of this fraud. I am sure they have done this to other people who think they are applying for a Payday Loan.","date_sent_to_company":"2019-12-06T17:58:53.000Z","issue":"Improper use of your report","sub_product":"Payday loan","zip_code":"94025","tags":null,"has_narrative":true,"complaint_id":"3458542","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Insikt, Inc.","date_received":"2019-12-05T00:05:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I went there to specifically <em>get</em> a <em>payday</em> <em>loan</em> for {$200.00}. I asked the clerk, do you check <em>credit</em> for a <em>payday</em> <em>loan</em>? She replied \" No ''. \nI said okay I would like to apply for a <em>payday</em> <em>loan</em> of {$200.00}. She took my <em>personal</em> information, and processed the application for a <em>payday</em> <em>loan</em>. At no time did the clerk ever tell me that I was applying for a XXXX XXXX XXXX <em>loan</em>. That <em>loan</em> is not a <em>payday</em> <em>loan</em>. \nNo where on the <em>payday</em> <em>loan</em> documents does it say the word XXXX XXXX XXXX."],"product":["<em>Payday</em> <em>loan</em>, title <em>loan</em>, or <em>personal</em> <em>loan</em>"],"sub_product":["<em>Payday</em> <em>loan</em>"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[22.508955,"3458542"]},{"_index":"complaint-public-v1","_id":"1845094","_score":20.471268,"_source":{"product":"Debt collection","complaint_what_happened":"I received a call from this company yesterday about a payday loan they say that I owe. XXXX XXXX persisted in trying to get money from me and then proceeded to get his supervisor on the phone who abruptly came on the line and began to demand that I provide them with my personal credit card information so I can make the matter go away. They continued trying to engage me in conversation and wanted me to divulge personal details about my finances in the presence of coworkers on both sides of me. I asked them not to contact me at my place of employment. I told them that if they have information stating that I have business with them to mail it to me. I am receiving calls back to back at work and at the front desk where I provide relief for our receptionist. They continue calling making escalating threats and also demanding to speak to my supervisor. The number they called from was ( XXXX ) XXXX but it shows up as a XXXX number.","date_sent_to_company":"2016-03-22T15:50:22.000Z","issue":"Improper contact or sharing of info","sub_product":"I do not know","zip_code":"20747","tags":null,"has_narrative":true,"complaint_id":"1845094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Solutions To Portfolios, LLC","date_received":"2016-03-22T15:50:22.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Contacted me after I asked not to"},"highlight":{"complaint_what_happened":["I received a call from this company yesterday about a <em>payday</em> <em>loan</em> they say that I owe. XXXX XXXX persisted in trying to <em>get</em> money from me and then proceeded to <em>get</em> his supervisor on the phone who abruptly came on the <em>line</em> and began to demand that I provide them with my <em>personal</em> <em>credit</em> card information so I can make the matter go away. They continued trying to engage me in conversation and wanted me to divulge <em>personal</em> details about my finances in the presence of coworkers on both sides of me."]},"sort":[20.471268,"1845094"]},{"_index":"complaint-public-v1","_id":"3731255","_score":16.718863,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted by a woman named XXXX of \" EAS ''. The phone number she called me from was out of XXXX XXXX XXXX Florida. The phone number she asked me to call back on was XXXX. XXXX told me that I had been reported to EAS by a company called Balance Credit - a payday loan company with whom I had received a loan in the past and currently have a payment plan set up to pay off my past due balance. As I was asking questions of XXXX about the reason for her call and what this matter was regarding, she cut me off and, as if she were reading a script, began to repeat how rude and dismissive I had been on the call and because of my dismissive attitude she would be reporting me for fraud and writing bad checks. I suppose my reluctance to provide her with my personal information without knowing who she was and why she was calling was interpreted as \" dismissive. '' After berating me for a few minutes and not allowing me to get a word in edgewise, she ended the call by saying \" this is fraud! good luck! '' and hung up on me. I tried calling the number back twice after that, and she continued to repeat how aggressive I had been and how she would be reporting me and that because this was a recorded line ( which she never stated up front ) that my rude attitude would be documented for the authorities. \n\nI am completely shaken. I've never experienced anything like this before - this company and this woman, XXXX, need to be stopped!","date_sent_to_company":"2020-07-16T18:47:21.000Z","issue":"Communication tactics","sub_product":"Payday loan debt","zip_code":"94549","tags":null,"has_narrative":true,"complaint_id":"3731255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Eastern Asset Services LLC","date_received":"2020-07-06T18:21:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["XXXX told me that I had been reported to EAS by a company called Balance <em>Credit</em> - a <em>payday</em> <em>loan</em> company with whom I had received a <em>loan</em> in the past and currently have a payment plan set up to pay off my past due balance."],"sub_product":["<em>Payday</em> <em>loan</em> debt"]},"sort":[16.718863,"3731255"]},{"_index":"complaint-public-v1","_id":"4129076","_score":16.401619,"_source":{"product":"Debt collection","complaint_what_happened":"I XXXX XXXX had a car towed that was previously stolen from me. Lien Enforcement INC. took over the Debt owed I put myself on a budget I personally could afford. I missed one payment by 7 days after paying for over a year DURING COVID 19. They tell me I have to pay the full balance because Im 7 days behind. I explain my situation to XXXX XXXX and hes not listening hes telling me I need to pay today or further action will be taken the debt is XXXX around there he tells me to hold on to get in lowered he comes back on the line and says I can pay XXXX to settle it today. If I told him before he put me on hold I dont even have {$500.00} why would he come back on the line with that response. Then 10 20 minutes go by of him telling me I need to go get a personal loan, pull from my 401k plan, I need to get a payday loan he asked me my position at my job he asked me how come no one else can help me pay it. He asked me how do I take care of myself which isnt any of his business he harassed me for 20 minutes about why I cant pay the debt. XXXX XXXX is very disrespectful and has no consideration for people. He asked me what banks have I tried to get a loan for like why is that any of your concern his only job is to collect debt not to harass me or try to force me to pay a debt when I can not. I paid XXXX for the car the tow yard sold it and now I owe XXXX $ for storage etc its really the last thing on my list. I explained I have no job I live with someone else its Covid 19 going on why are they calling harassing people all In personal business that has nothing to do with their job description. They have called me at work and held me up on the phone XX/XX/XXXX which was my last payment made after I repeatedly told them I was working. XXXX XXXX who I spoke to XX/XX/XXXX is the main harasser. He says how can we settle this today after I repeatedly told him either you can take my payment or you can put it on my credit he still kept going. Well I can split up the settlement into two which is over XXXX each after I just told him I dont even have XXXX to give.. its like he was intentionally antagonizing me. Trying to Belittle me as a person, because I cant pay a debt. Without People who owe debt they have no job. So they shouldnt be talking to people the way they do Lien Enforcement INC. Specifically.","date_sent_to_company":"2021-02-09T13:19:18.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"952XX","tags":null,"has_narrative":true,"complaint_id":"4129076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lien Enforcement Inc","date_received":"2021-02-09T12:43:34.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["Then 10 20 minutes go by of him telling me I need to go <em>get</em> a <em>personal</em> <em>loan</em>, pull from my 401k plan, I need to <em>get</em> a <em>payday</em> <em>loan</em> he asked me my position at my job he asked me how come no one else can help me pay it. He asked me how do I take care of myself which isnt any of his business he harassed me for 20 minutes about why I cant pay the debt. XXXX XXXX is very disrespectful and has no consideration for people."]},"sort":[16.401619,"4129076"]},{"_index":"complaint-public-v1","_id":"3157674","_score":15.980335,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, Ive been abused by the banks and credit bureaus since I was XXXX ( now XXXX  ). \nIve been unable to use credit, or my SSN for anything ... no auto loans, real loans, mortgage, payday loans, utilities, cell phones, decent housing, store credit, no bank accounts except prepaid ... you get the picture. \nWhen I was XXXX my bank gave me loans for a car, truck, motorcycle, then house & my income was $ 400- $ 500/wk. that didnt last long. \nFF to XX/XX/XXXX-XX/XX/XXXXand take out some student loans to go to school, get a degree & better myself .... except that school was XXXX XXXX, guilty of defrauding hundreds of thousands of students over many years. \nThere goes another 10 years working 16 hour days so I can live in a nasty basement. \nThats the back story, heres the complaints which are numerous and involve all three credit bureaus, XXXX XXXX, US dept of education. \n- -first and foremost I meet every criteria for borrower defense to repayment of said loans. While your case is being reviewed, ( 2-3 years ) stop payment and stop collections status supposed to be in effect. \nI APPlied XX/XX/XXXX, re-applied in XXXX b/c they cant find app, and still as of XXXX, cant find either app, no status change. \n- there were 8 original defaulted loans, consolidated into one on XXXX. \nSo 8 loans in XXXX ... they multiplied when changing hands from XXXX to US dept of education in XXXX ( now 16 loans ) and again in XXXX ownership went back to fedloan, and 8 more loans were added .... now XXXX plus the consolidated loan makes XXXX. \n?? Must be magic?? \nSo these 24 magical loans are still reporting late payments every month even tho they defaulted XXXX. \nI have disputed with all 3 agencies at least 8 times in the last year and every time they update something and get it all wrong again. \nI asked fedloan what they are reporting & they said only the current, consolidated loan. \n\nNONE of that should be reported since XXXX XXXX original loans are fraudulent. \nTheyve been reporting to the world that I dont pay my bills, and that I dont deserve credit or nice things and its all LiES. \n\n- the next issue is XXXX bank has been doing Hard Pulls every month for the last few years. I had them taken off through a dispute and they were supposed to block them from continuing to do it but That hasnt happened either. \n-there are several XXXX XXXX XXXX on my Student loan account statements from XX/XX/XXXX-XX/XX/XXXXwhich XXXX XXXX didnt dispurse to me, it says on the site to contact the school about OWED grant money but the school is closed. \nWho should i contact? Theres almost XXXX they must have forgot to give me. \n\nI started my own business a few months ago and i was told a fairytale that business credit can be separate from personal credit .... yeah, if you have good credit and cash for tradelines youre good to go but me, Ive been denied 207 times for every type of loan, payday loan, line of Credit, alternative loans, XXXX lending, XXXX loans, auto financing, every single one of them runs your credit, even if you dont put your social on the App and especially when it says in giant bold letters No Credit Check. \n\nI feel Im owed quite a bit of monetary compensation for my pain and suffering for the last 10 years. \nI didnt ask or choose for over XXXX credit agencies to report lies about me, or for recruiting officers to blatantly lie about their school ... ..but yet, its my responsibility to waste hours and hours and weeks and months and years of my life correcting THEIR mistakes so maybe I can get a decent place to live, or a business loan instead of sleeping in my {$400.00} car.","date_sent_to_company":"2019-02-20T15:08:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45013","tags":null,"has_narrative":true,"complaint_id":"3157674","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-02-20T15:08:41.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I started my own business a few months ago and i was told a fairytale that business <em>credit</em> can be separate from <em>personal</em> <em>credit</em> .... yeah, if you have good <em>credit</em> and cash for tradelines youre good to go but me, Ive been denied 207 times for every type of <em>loan</em>, <em>payday</em> <em>loan</em>, <em>line</em> of <em>Credit</em>, alternative <em>loans</em>, XXXX lending, XXXX <em>loans</em>, auto financing, every single one of them runs your <em>credit</em>, even if you dont put your social on the App and especially when it says in giant bold letters No <em>Credit</em> Check"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other <em>personal</em> consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.980335,"3157674"]},{"_index":"complaint-public-v1","_id":"3157624","_score":15.980335,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, Ive been abused by the banks and credit bureaus since I was XXXX ( now XXXX ). \nIve been unable to use credit, or my SSN for anything ... no auto loans, real loans, mortgage, payday loans, utilities, cell phones, decent housing, store credit, no bank accounts except prepaid ... you get the picture. \nWhen I was XXXX my bank gave me loans for a car, truck, motorcycle, then house & my income was $ 400- $ 500/wk. that didnt last long. \nFF to XXXX and take out some student loans to go to school, get a degree & better myself .... except that school was XXXX XXXX, guilty of defrauding hundreds of thousands of students over many years. \nThere goes another 10 years working 16 hour days so I can live in a nasty basement. \nThats the back story, heres the complaints which are numerous and involve all three credit bureaus, XXXX XXXX, XXXX XXXX XXXX XXXX. \n- -first and foremost I meet every criteria for borrower defense to repayment of said loans. While your case is being reviewed, ( 2-3 years ) stop payment and stop collections status supposed to be in effect. \nI APPlied XX/XX/XXXX, re-applied in XXXX b/c they cant find app, and still as of XXXX, cant find either app, no status change. \n- there were 8 original defaulted loans, consolidated into one on XXXX. \nSo 8 loans in XXXX ... they multiplied when changing hands from XXXX to XXXX XXXX XXXX XXXX in XXXX ( now 16 loans ) and again in XXXX ownership went back to XXXX, and 8 more loans were  added .... now 24 plus the consolidated loan makes 25. \n?? Must be magic?? \nSo these 24 magical loans are still reporting late payments every month even tho they defaulted XXXX. \nI have disputed with all 3 agencies at least 8 times in the last year and every time they update something and get it all wrong again. \nI asked XXXX what they are reporting & they said only the current, consolidated loan. \n\nNONE of that should be reported since XXXX XXXX original loans are fraudulent. \nTheyve been reporting to the world that I dont pay my bills, and that I dont deserve credit or nice things and its all LiES. \n\n- the next issue is XXXX XXXX has been doing Hard Pulls every month for the last few years. I had them taken off through a dispute and they were supposed to block them from continuing to do it but That hasnt happened either. \n-there are several XXXX XXXX XXXX on my Student loan account statements from XXXX which XXXX XXXX didnt dispurse to me, it says on the site to contact the school about OWED grant money but the school is closed. \nWho should i contact? Theres almost 10K they must have forgot to give me. \n\nI started my own business a few months ago and i was told a fairytale that business credit can be separate from personal credit .... yeah, if you have good credit and cash for tradelines youre good to go but me, Ive been denied 207 times for every type of loan, payday loan, line of Credit, alternative loans, P2P lending, bitcoin loans, auto financing, every single XXXX of them runs your credit, even if you dont put your social on the App and especially when it says in giant bold letters No Credit Check. \n\nI feel Im owed quite a bit of monetary compensation for my pain and suffering for the last 10 years. \nI didnt ask or choose for over 400 credit agencies to report lies about me, or for recruiting officers to blatantly lie about their school ... ..but yet, its my responsibility to waste hours and hours and weeks and months and years of my life correcting THEIR mistakes so maybe I can get a decent place to live, or a business loan instead of sleeping in my {$400.00} car.","date_sent_to_company":"2019-02-20T15:08:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45013","tags":null,"has_narrative":true,"complaint_id":"3157624","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-20T13:19:15.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I started my own business a few months ago and i was told a fairytale that business <em>credit</em> can be separate from <em>personal</em> <em>credit</em> .... yeah, if you have good <em>credit</em> and cash for tradelines youre good to go but me, Ive been denied 207 times for every type of <em>loan</em>, <em>payday</em> <em>loan</em>, <em>line</em> of <em>Credit</em>, alternative <em>loans</em>, P2P lending, bitcoin <em>loans</em>, auto financing, every single XXXX of them runs your <em>credit</em>, even if you dont put your social on the App and especially when it says in giant bold letters No <em>Credit</em>"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other <em>personal</em> consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.980335,"3157624"]},{"_index":"complaint-public-v1","_id":"3158548","_score":15.9205475,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, Ive been abused by the banks and credit bureaus since I was XXXX ( now XXXX ). \nIve been unable to use credit, or my SSN for anything ... no auto loans, real loans, mortgage, payday loans, utilities, cell phones, decent housing, store credit, no bank accounts except prepaid ... you get the picture. \nWhen I was XXXX-XXXX my bank gave me loans for a car, truck, motorcycle, then house & my income was $ 400- $ 500/wk. that didnt last long. \nFF to XX/XX/XXXX-XX/XX/XXXX and take out some student loans to go to school, get a degree & better myself .... except that school was XXXX XXXX, guilty of defrauding hundreds of thousands of students over many years. \nThere goes another 10 years working 16 hour days so I can live in a nasty basement. \nThats the back story, heres the complaints which are numerous and involve all three credit bureaus, XXXX XXXX, XXXX XXXX XXXX XXXX. \n- -first and foremost I meet every criteria for borrower defense to repayment of said loans. While your case is being reviewed, ( 2-3 years ) stop payment and stop collections status supposed to be in effect. \nI APPlied XX/XX/XXXX, re-applied in XX/XX/XXXXb/c they cant find app, and still as of XX/XX/XXXX, cant find either app, no status change. \n- there were 8 original defaulted loans, consolidated into one on XX/XX/XXXX. \nSo 8 loans in XX/XX/XXXX ... they multiplied when changing hands from XXXX to XXXX XXXX XXXX XXXX in XX/XX/XXXX ( now 16 loans ) and again in XX/XX/XXXX ownership went back to XXXX, and 8 more loans were added .... now 24 plus the consolidated loan makes 25. \n?? Must be magic?? \nSo these 24 magical loans are still reporting late payments every month even tho they defaulted XX/XX/XXXX. \nI have disputed with all 3 agencies at least 8 times in the last year and every time they update something and get it all wrong again. \nI asked XXXX  what they are reporting & they said only the current, consolidated loan. \n\nNONE of that should be reported since XXXX XXXX original loans are fraudulent. \nTheyve been reporting to the world that I dont pay my bills, and that I dont deserve credit or nice things and its all LiES. \n\n- the next issue is XXXX XXXX has been doing Hard Pulls every month for the last few years. I had them taken off through a dispute and they were supposed to block them from continuing to do it but That hasnt happened either. \n-there are several Federal Pell Grants on my Student loan account statements from XX/XX/XXXX-XX/XX/XXXXwhich XXXX XXXX didnt dispurse to me, it says on the site to contact the school about OWED grant money but the school is closed. \nWho should i contact? Theres almost 10K they must have forgot to give me. \n\nI started my own business a few months ago and i was told a fairytale that business credit can be separate from personal credit .... yeah, if you have good credit and cash for tradelines youre good to go but me, Ive been denied 207 times for every type of loan, payday loan, line of Credit, alternative loans, P2P lending, bitcoin loans, auto financing, every single one of them runs your credit, even if you dont put your social on the App and especially when it says in giant bold letters No Credit Check. \n\nI feel Im owed quite a bit of monetary compensation for my pain and suffering for the last 10 years. \nI didnt ask or choose for over 400 credit agencies to report lies about me, or for recruiting officers to blatantly lie about their school ... ..but yet, its my responsibility to waste hours and hours and weeks and months and years of my life correcting THEIR mistakes so maybe I can get a decent place to live, or a business loan instead of sleeping in my {$400.00} car.","date_sent_to_company":"2019-02-20T15:08:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45013","tags":null,"has_narrative":true,"complaint_id":"3158548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-02-20T15:08:41.000Z","state":"OH","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I started my own business a few months ago and i was told a fairytale that business <em>credit</em> can be separate from <em>personal</em> <em>credit</em> .... yeah, if you have good <em>credit</em> and cash for tradelines youre good to go but me, Ive been denied 207 times for every type of <em>loan</em>, <em>payday</em> <em>loan</em>, <em>line</em> of <em>Credit</em>, alternative <em>loans</em>, P2P lending, bitcoin <em>loans</em>, auto financing, every single one of them runs your <em>credit</em>, even if you dont put your social on the App and especially when it says in giant bold letters No <em>Credit</em>"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other <em>personal</em> consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.9205475,"3158548"]},{"_index":"complaint-public-v1","_id":"6394304","_score":15.91381,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I got my first credit builder partially secured installment Loan from MoneyLion in XXXX of XXXX and was finally able to pay it off in XXXX of XXXX with a approximately a {$400.00} principal payment left. The first loan was a ok process and they offered me what I thought it was a good deal since I was looking to get a positive line of credit to start rebuilding my credit to possibly get it off the ground and a opportunity to save some capital. Moneylion presents itself as a lender that helps clients get ahead with a low risk collateral loan. Moneylion both times loaned me {$1000.00} once in XX/XX/XXXX and {$1000.00} XX/XX/XXXX. Moneylion on the first loan gave me appx {$600.00} of that {$1000.00} in XXXX and I made the payments on time but Moneylion brought in other fees such as Membership fees that were {$20.00} nearly and credit monitoring fee was {$5.00}. MoneyLion also gives out high payday loans as a incentive for tagging on {$20.00} membership fees that you have no idea about until you look at your statement. MoneyLion some weeks was able to get me out of up to {$300.00} because of this obligation that had me going in circles to pay at first. Florida has a cooldown period before you can take any type of high risk funding. This company was really a lender that is waiting borrowers to default while making interest off of me in every way and also selling my personal information to third parties malicious, phishing site that post links on MoneyLions platform its a App that advertise clickbait but is how you make sure the payments actually go through. The system will sometimes unlink the account that you make the auto payments out of and MoneyLion doesnt give you a call to see whats going on with the payment that was scheduled which is unlawful They then report to your credit report negative and of course they then add even more Interest and 5 % late fees on to the principal of your loan. \nThen the third parties have your banking information, and all the information you trusted Moneylions payment platform which they guarantee its secure but I believe they leak your data because you start to get cold calls your phone stating your approved for a loan you know nothing about and 100s of text messages text messages a link, emails with the same. Moneylion is a malicious lender who reports inaccurate information to credit bureaus with inflated balances on installments and false late payments along with in many states illegally charging extreme interest rates, collecting a membership fee monthly almost equal, giving third parties sites access to SSN, Addresses, Banking Accounts numbers etc, forcing customers to sign contracts stating they are signing over all their consumer right and the right to a jury trial before they loan any amount of money.","date_sent_to_company":"2023-01-04T11:51:58.000Z","issue":"Improper use of your report","sub_product":"Installment loan","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"6394304","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2023-01-04T10:36:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I got my first <em>credit</em> builder partially secured installment <em>Loan</em> from MoneyLion in XXXX of XXXX and was finally able to pay it off in XXXX of XXXX with a approximately a {$400.00} principal payment left. The first <em>loan</em> was a ok process and they offered me what I thought it was a good deal since I was looking to <em>get</em> a positive <em>line</em> of <em>credit</em> to start rebuilding my <em>credit</em> to possibly <em>get</em> it off the ground and a opportunity to save some capital."],"product":["<em>Payday</em> <em>loan</em>, title <em>loan</em>, or <em>personal</em> <em>loan</em>"],"sub_product":["Installment <em>loan</em>"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[15.91381,"6394304"]},{"_index":"complaint-public-v1","_id":"4540443","_score":14.595187,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Netcredit is operated by it's Parent Company \" Enova '' and also uses Cashnet USA to do their underwriting for Line of Credit, which is what I have with my personal loan LOC amount is {$3200.00} they have an incorrect amount of {$3600.00}. My Netcredit Account # XXXX. My complaint is that this is a Predatory Lending Company taking advantage of myself ( a Veteran ) and many other struggling citizens by having High Excessive Fees, and Hidden Charges, that Do Not Reduce the Principal Amount of the Loan or LOC. The person I spoke to on the phone was telling me that they are exempt from abiding by the Usury Law as it pertains to the LOC. \n\n\" Usury '' is the unlawful act of charging interest on a debt ( including discount points, fees and other charges ) at a rate greater than what is permitted under any applicable law or exemption from a law. \n\nWashington State has a usury law ( RCW 19.52 ) ) that sets limits on the maximum rate of interest a lender may charge a borrower. The usury law applies to consumer loans that are not related to a credit card debt, a retail installment contract or a consumer lease. \n\nAccording to RCW 19.52.020 ( 1 ), a lender may, if agreed in writing between the lender and borrower, charge an interest rate at a maximum rate of 12 % per year. Or, a lender may charge 4 % above the first auction quote on the Federal Reserves 26-week treasury bills made in the month preceding a written agreement between lender and borrower. A lender may use whichever rate is higher - 12 % or 4 % above the Federal Reserve rate on 26-week treasury bills. \n\nBut if the borrowers make only the minimum payment each month, the interest rate quickly mounts and the debt balloons. Now loan companies use open-end lines of credit to entice people who are down on their luck to run up big, seemingly never-ending debts. And this is exactly what NETCREDIT is doing at the moment. \n\nMy credit limit was {$3200.00} and its showing much more than that which is incorrect. I get paid once a month and my payment should reflect that as which was stated when I applied for the loan. Ive sent numerous emails and spoke with many representatives and added the multiple paystubs for the past three months and this circumstance is still UNRESOLVED on your end. It was my understanding as applying for the loan I would be making one payment according to the Line of Credit Utilized ( {$3200.00} ), with a major portion of the LOC being paid going to the principal amount of the loan. Im unhappy with the lack of follow through on your companys end and no timely response to fix this mistake of a loan and how its being handled. A ) One Payment Date : End of Month ( I GET PAID ONCE A MONTH ON THE LAST DAY OF THE MONTH - as specified in my loan application ) B ) MY LINE OF CREDIT SHOULD BE {$3200.00} NOT {$3600.00}. Since this has not been rectified on your end after calling and many email threads Im left with no option. Therefore, Im contacting the XXXX XXXX XXXX, Federal Trade Commission, Federal Reserve Consumer Help, Consumer Affairs, and Washington State Department of Financial Institution to forward my complaint. My banking records with XXXX XXXX shows the exact deposits which are {$3200.00} for the LOC. Im also aware that Netcredit is violating my home state 's usury cap of 12 percent, which applies to all consumer loans except those made by licensed finance companies, car-title lenders, payday lenders, credit card firms and banks. NetCredit HAS NO WASHINGTON STATE LICENSES with the WASHINGTON STATE DEPARTMENT OF FINANCIAL INSTITUTIONS & THE LOCAL ATTORNEY GENERAL. This is a major concern and violation as it seems this business is operating ILLEGALLY and NOT UNDER THE WASHINGTON STATE DFI 's STIPULATIONS SINCE THEY HAVE NO LICENSE AND/OR CHOOSE TO DISREGARD THE LAWS. It seems your business practices on Loan Terms IS NOT VALID. I will pay my obligation once your company addresses my concerns and updates the Legal Payment according to the 12 % Usury Law of the State of Washington. Your Company is a Predatory Lending Company that is Charging Unforseen/Hidden Fees and Outrageous Triple Digit Interest to people who are struggling!!!","date_sent_to_company":"2021-07-14T06:00:28.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Personal line of credit","zip_code":"98028","tags":"Servicemember","has_narrative":true,"complaint_id":"4540443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2021-07-14T01:03:13.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Netcredit is operated by it's Parent Company \" Enova '' and also uses Cashnet USA to do their underwriting for <em>Line</em> of <em>Credit</em>, which is what I have with my <em>personal</em> <em>loan</em> LOC amount is {$3200.00} they have an incorrect amount of {$3600.00}. My Netcredit Account # XXXX."],"product":["<em>Payday</em> <em>loan</em>, title <em>loan</em>, or <em>personal</em> <em>loan</em>"],"sub_product":["<em>Personal</em> <em>line</em> of <em>credit</em>"]},"sort":[14.595187,"4540443"]},{"_index":"complaint-public-v1","_id":"5944201","_score":14.2548685,"_source":{"product":"Debt collection","complaint_what_happened":"I received a call this morning ( XX/XX/XXXX ) from someone claiming to be a debt collector from Sunset Solutions Group, after this person had already called both my parents, my sister and my grandfather. They stated that they have been trying to get ahold of me to notify me that judgement would be taking against me and that I will be taken to court for 4 outstanding debts with payday loan companies that I have never previously heard of. I have never put down my sister or Grandfather as a reference on any sort of application. When I asked the representative for a date when these loans were taken out she said she couldn't tell me a date but that they were charged of in XXXX, so they had to have been taken out awhile before that. When I repeated that I have no idea what these companies are and have never even heard of them, she had all of my personal information and stated that I had to have filled out these applications in person because it was all on there, so I was responsible for these debts. Each loan was in the amount of {$500.00} for a total of {$2000.00} owed. She stated I had 3 {$500.00} loans out with XXXX XXXX and another {$500.00} loan with XXXX XXXX XXXX. When I looked up XXXX XXXX, it showed a physical location out in XXXX XXXX but the image showed XXXX XXXX XXXX. I tried to call the number listed but it was just a voice recording and the only option I was able to press was to continue in English, and then the line would disconnect. When I looked up XXXX XXXX XXXX, I found multiple complaints from other people stating they had debt collectors calling to collect for a loan they had never taken out and had never hear of XXXX XXXX XXXX. When I went to their website, there is a big notice on the front page of the website that states \" Fraud Alert- Be Aware Of Scamming Collection Agencies Using The Name XXXX To Try To Collect Money. XXXX Is Not A Lender And Does Not Report To Credit Agencies So You Do Not Owe XXXX Any Money. We Are Only An Advertising Agency In The Financial Sector. If Some Company Calls Or Emails You Saying You Owe XXXX  Money Its Not True And Report Them To The CFPB Or FTC For Fraud. '' Also, when I went to look up the Sunset Solutions Group phone number, the phone number listed was not anywhere close to the phone number that I received the call from ( XXXX ). She also stated that these companies have been trying to get ahold of me via phone, never received any such phone calls, and by email and when I asked what email they were being sent to, it was an email address that was my first and last name but I have never had any such email address my entire life. When I asked what employer they had down for me, while the employer was similar in name to my actual employer, it was not the correct name.","date_sent_to_company":"2022-09-02T18:03:04.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"60007","tags":null,"has_narrative":true,"complaint_id":"5944201","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Sunset Solutions Group, LLC","date_received":"2022-09-02T17:24:26.000Z","state":"IL","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["They stated that they have been trying to <em>get</em> ahold of me to notify me that judgement would be taking against me and that I will be taken to court for 4 outstanding debts with <em>payday</em> <em>loan</em> companies that I have never previously heard of. I have never put down my sister or Grandfather as a reference on any sort of application."],"sub_product":["<em>Payday</em> <em>loan</em> debt"]},"sort":[14.2548685,"5944201"]},{"_index":"complaint-public-v1","_id":"1620666","_score":14.173339,"_source":{"product":"Payday loan","complaint_what_happened":"I initially set up a \" payday '' loan and the company converted it to a \" flex line of credit '' loan. I used XXXX bank account to create the loan and have the funds deposited. I made some payments out of this account. I then wanted to change the financial institution and account that the payments came out of. I was unable to remove the initial account but I was able to add a new account. My payments have been coming out of the new account without any issues. I changed jobs and needed to change my due date to line up with my new paydays. I emailed the company to ask how to do that. They said to send in new paystubs to verify my new pay dates. I did that only to have them come back with a \" form letter '' email telling me that I could not change my due dates even though this loan was set up with payments to be when I got paid. The VERY NEXT payment after I requested a due date change did n't deduct from my account like it always did. The next day after the due date I got a notice from my initial back that I set the loan up with stating that I had a payment that attempted to clear but there were no funds to clear the payment. I was charged a {$29.00} NSF Fee and my account was now in the negative. I looked to see what happened and this lender, who has been charging the \" new '' account for MONTHS without incident, attempted to take my payment out of the \" old '' account that I was no longer using. I called them immediately and advised them that they had no authorization to change my preferred payment account and that the only reason the old account was on there as because I could n't remove it. I asked why they had been taking all my payments with no issue from the new account then suddenly attempted to withdrawal from an account that was not being used. I advised them that they created an NSF Fee and that I needed this issue resolved ASAP and the NSF Fee covered by them. I was placed on hold to have them come back and say that they \" had a system update '' on their end and it defaulted back to my original account. I advised them that I was given no notice from them that they were having system upgrades and that I needed to verify my preferred account was correct. I advised them that I was not responsible for that account even being on there since I had no ability to remove the account. I was told that they would NOT be crediting me back the NSF Fee because I had that account on there system. I advised them that I had proof that they had been taking the funds from another account and that there were no issues, I also could not remove the old account and that I was never notified that I needed to verify my account because of their system upgrade. I advised them that this was a violation of my consumer rights. I do not even want to have auto payments with them but they advise me that I can not pay via any other method, I am FORCED to use auto pay and they can take the money from any account they have on file. I advised them that I would be reporting this issue. I asked for written documentation of this incident and their stance. I was advised they can not provide any written information about any of this because of privacy laws. I said that was not correct. I was placed on hold again and then advised that if I did n't report this issue they would credit me back the {$29.00} but I needed to send proof of the NSF Fee and that they were the cause of it. I obtained the NSF notice from the bank, the account ledger showing the fee and proof it was their company. I emailed it at instructed to have them reply stating that I had to have a FULL COPY of a 30 day bank statement with ALL pages attached and my account number, name, bank info, etc. All the info I provided them already but now they want to see a full copy of my 30 day statement ( that 's my personal info that does n't apply to them ) and I will have to wait 30+ days to get it. I sent ALL the same info already.","date_sent_to_company":"2015-10-22T21:40:14.000Z","issue":"Charged bank acct wrong day or amt","sub_product":null,"zip_code":"837XX","tags":null,"has_narrative":true,"complaint_id":"1620666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2015-10-22T21:40:13.000Z","state":"ID","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I initially set up a \" <em>payday</em> '' <em>loan</em> and the company converted it to a \" flex <em>line</em> of <em>credit</em> '' <em>loan</em>. I used XXXX bank account to create the <em>loan</em> and have the funds deposited. I made some payments out of this account. I then wanted to change the financial institution and account that the payments came out of. I was unable to remove the initial account but I was able to add a new account. My payments have been coming out of the new account without any issues."],"product":["<em>Payday</em> <em>loan</em>"]},"sort":[14.173339,"1620666"]},{"_index":"complaint-public-v1","_id":"1729042","_score":12.388774,"_source":{"product":"Debt collection","complaint_what_happened":"An unnamed woman called me from an unknown number and left the following voice message on my cellphone : \" Hello, this is an attempt to get a \" XXXX '' County Court notification to a defendant by the name of ( my name ) in regards to an open investigation attaching several charges to be filed within the County. At this time, Sir, this message only constitutes a ( garbled ) notification that your case is currently within a non-compliant status. At this time the plaintiff reserves all legal rights to fully execute on all charges to the maximum penalty of the law within \" XXXX '' County District Court. Should you wish to rectify this matter you would need to contact the plaintiff 's office immediately to avoid any legal proceedings taking forth as of XX/XX/XXXX at XXXX ( CST ) with your case. The plaintiff can be reached directly at XXXX. When contacting the office please state a reference to your docket number : # # #. This will be notated, XXXX ( my name ) as your official notification, Sir, good luck moving forward. '' I missed the phone call ( XX/XX/XXXX, XXXX XXXX HST ) ( the above is the transcript from the message she left me ), but the woman then called my wife, who answered, and was very confused and concerned, because this \" woman from the County Court is calling and wants to tell you something ''. The woman told my wife that my wife 's phone number was listed as a \" possible relative or point of contact. '' My wife handed me the phone, the woman tells me the same thing that she left in the message, I ask what charges, she says \" XXXX charges '' I ask what about, she said \" I have no more information than you, you have to call this number and contact XXXX XXXX ' \". \n\nPanicked, I called the number she gave me and a recording answered stating : \" You have reached the offices of ARA ... '' and then given a list of options with the final one being \" otherwise wait on the line for the next available representative. '' I gave my \" docket '' number to them and a man by the name of \" XXXX XXXX '' proceeded to tell me that I had XXXX charges against me because I had failed to pay a payday loan ( that I do n't remember ever taking out ) that I \" took out online in XX/XX/XXXX ''. XXXX of these XXXX charges are supposedly felonies. He told me that they 've been trying to contact me for years but letters kept getting sent back with the wrong address. He then proceeded to give me a lot of my own personal information, like my place of employment in XX/XX/XXXX, a very old address, that last XXXX digits of my social security number, and my e-mail address. I told him I have n't lived at that address for years and that I had moved out of state. He said that moving out of State could be taken as me trying to \" flee '' from the debt. He said that I had committed fraud and that the \" plaintiff '' was going to charge me tomorrow if I did n't pay them today. When I asked him what company he was working for he just said \" The Processing and Summons Department for XXXX County ''. When I asked about \" ARA '' he said that within \" ARA '' there are all of these departments and that his department dealt with processing and summons and that he was specifically in charge of my County and that he would be the only person dealing with me from now on. He did n't give me any more information about his company. He did n't tell me what \" ARA '' stood for '' and he seemed agitated. I told him I do n't remember ever taking out a Payday loan and that this seems strange and wrong. He told me that I had committed fraud and that if I did n't pay a certain amount by today then the \" plaintiff '' would take legal action. I told him I would talk to my wife and get back to him. My wife and I have since looked up \" ARA '' and we keep seeing \" Debt Scam '' pop up on google. We checked our credit, there is no such \" ARA '' in collections against me. These people scared us out of our wits and we 're convinced that what they 're doing is a scam and illegal.","date_sent_to_company":"2016-01-05T19:48:42.000Z","issue":"False statements or representation","sub_product":"Payday loan","zip_code":"96818","tags":"Servicemember","has_narrative":true,"complaint_id":"1729042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Financial Credit Service, Inc.","date_received":"2016-01-05T19:48:41.000Z","state":"HI","company_public_response":null,"sub_issue":"Indicated committed crime not paying"},"highlight":{"complaint_what_happened":["I told him I do n't remember ever taking out a <em>Payday</em> <em>loan</em> and that this seems strange and wrong. He told me that I had committed fraud and that if I did n't pay a certain amount by today then the \" plaintiff '' would take legal action. I told him I would talk to my wife and <em>get</em> back to him. My wife and I have since looked up \" ARA '' and we keep seeing \" Debt Scam '' pop up on google. We checked our <em>credit</em>, there is no such \" ARA '' in collections against me."],"company":["Financial <em>Credit</em> Service, Inc."],"sub_product":["<em>Payday</em> <em>loan</em>"]},"sort":[12.388774,"1729042"]},{"_index":"complaint-public-v1","_id":"2285306","_score":11.727065,"_source":{"product":"Payday loan","complaint_what_happened":"Applied for a loan online with MyQuickWallet.com and was approved for {$500.00}!! Signed my loan documents, logged on to website and saw I was approved for a {$750.00} line of credit and could increase the loan amount if needed ( Attached copy of this form which now shows a {$XXXX} limit, as they changed it from the original amount of {$750.00} ). I followed the instructions on the email sent to me, to call and verify my information. This so called some information to be verified, turned out to be an entire application process over the phone. I ask the employee why I was being ask all this information again as I had already submitted it online and received a pre-approval email which stated \" Pre-Approved '' \" Youre Done '' ( Copy of this page has been submitted ). Of course the employees are trained to lie and say we are simply verifying your account information. Two times I ask the employee if this loan was pre-approved and she said \" Oh yes sir, we just need to verify your employment and income ''. At this point more than 10 minutes had already passed. I was furious with them as I did not have time to finish providing all this information over the phone, which had already been submitted online. I had to end the call and told them I would call back during the afternoon as I was running late for a meeting and had not expected the so called \" Your Done Process '' to take so long. Later in the afternoon I called them back to finish up the pre-approved loan. I then learned I was required to download a mobile app on my Iphone called \" XXXX ''. This allowed them to access and view all the history of my checking account. They said nothing about additional underwriting or the way my funds were spent from my checking account. I only gave them permission to view my direct deposits and not my spending activity. The employee verbally confirmed she saw where my direct deposits had been posted to my checking account. This second phone call took an additional 15 minutes or more?? At the end of the call the employee stated I 'll submit this to our verification department and see if you are approved. Approved???? How many times did I make it clear that I understood this loan to be pre-approved!!! I am tired of pay day lenders lying to people and getting away with it. The false statements about being pre-approved must stop. Pay day lenders claim their pre-approved status is for application purposes only. If so, they should make it clear. I am very thankful for the CFBP. I know you want to help the consumer. Please consider this an area for all pay day lenders to comply. Here is how the story ends. I used their live chat to inquire about needing to send any additional information. Live chat said if you inquiring about loan approval, it has been denied. Lets just say I was not happy after wasting time over this so called pre-appoved loan. I was not nice to the online chat people!! The reason the loan was denied was because my checking account showed XXXX other loans, according to them. What they did not realize is that XXXX were paid off. The remaining XXXX loans have a combined balance of less than {$600.00}. If you are going to do true underwriting, a lender should make it clear that pre-approval means nothing!! I also believe payday lenders should not have access to a persons checking account. I can see why you need to verify income and employment, just ask for proof of pay stubs. No pay day lender should ever be allowed to access your checking account and view your personal activity. By the end of the day, I received a loan but from another lender without all of the verification and checking account snooping. The process for my new loan took less than five minutes. It worked out to be in my favor as the interest rate for this loan is 50 % less than what MyQuickWallet.com was going to charge.","date_sent_to_company":"2017-01-13T18:39:38.000Z","issue":"Applied for loan/did not receive money","sub_product":null,"zip_code":"77304","tags":null,"has_narrative":true,"complaint_id":"2285306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rosebud Economic Development Corporation","date_received":"2017-01-12T02:35:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Applied for a <em>loan</em> online with MyQuickWallet.com and was approved for {$500.00}!! Signed my <em>loan</em> documents, logged on to website and saw I was approved for a {$750.00} <em>line</em> of <em>credit</em> and could increase the <em>loan</em> amount if needed ( Attached copy of this form which now shows a {$XXXX} limit, as they changed it from the original amount of {$750.00} ). I followed the instructions on the email sent to me, to call and verify my information."],"product":["<em>Payday</em> <em>loan</em>"],"issue":["Applied for <em>loan</em>/did not receive money"]},"sort":[11.727065,"2285306"]},{"_index":"complaint-public-v1","_id":"8162052","_score":11.405306,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased a car through XXXX. I am told that a shady company named \" Bridgecrest '' is the loan or bank for my car. They have several lawsuits against them from many states for fraud and poor business practices. CA, Missouri and PN are 3 states who are hearing cases about them for deceptive business practices. So this company has a proven track record of issues both legally and financially for their \" practices ''. Here is a link as proof that 3 states have lawsuits or actions against this company to verify what I am saying. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI have NEVER had any company called \" Bridgecrest '' ever call my cell phone ever. I submitted evidence of this with my last complaint through the CFPB. I had scammers called \" XXXX XXXX '' and other names of personal people call me over and over so I refused to answer such scammer calls as my name has been part of several data breaches through medical, financial and other breaches and I have had to freeze my credit files with all 3 credit companies. They claim in their rebuttal to my first complaint with the CFPB that they, \" Bridgecrest '' called me. They never did. Again nobody with a phone number showing the name \" Bridgecrest Acceptance Corporation '' or \" Bridgecrest '' EVER contacted me. Instead, XXXX XXXX called me so many times I had to block the number and personal people 's names that are not Bridgecrest. \n\nAny reputable company would have their name in the called I.D . calling customers. Bridgecrest, never once called me and I went over my phone records through XXXX to verifiy this. So they lied. I have evidence they lied that \" Bridgecrest '' ever contacted me. \n\nLegally, a company can not have a personal cell phone number, they must identify themselves as the company they claim to be, which they have never done. So I want this complaint escalated that they have never called me from any \" company line '' called Bridgecrest ever to this date. I banned XXXX XXXX from calling me and other fake people who pretended to be \" Bridgecrest ''. I am also reporting this matter to the state of Michigan and to the federal government as this is deceptive to expect a consumer to pick up a phone number for a PERSON and not a company who is clearly identified. \n\nSo because of this and their absolute terrible response to my initial complaint with the CFPB, I am moving forward with my complaints that they are committing fraud by not clearly calling from a company named Bridgecrest. \n\nIt is not legal for individuals to use personal cell phone numbers to call consumers and pretend to be a company. I also am requesting formally from the government and the CFPB for Bridgcrest to idenify who \" XXXX XXXX '' is and transmit that information to me and to the government and to the Consumer Financial Protection Bureau immediately as they gave my number to this person to harass me nonstop on my cell and impersonate a company called Bridgecrest. \n\nAs of today 's date, XXXX, I have never ever been called on my cell phone by any such company called \" Bridgecrest ''. I refuse to call any number they provide since the scammer \" XXXX XXXX '' got my number and several other individuals who are scammers who pretend to be this company called Bridgecrest as I have no way of knowing the number is real. I demand they give me the reason why XXXX XXXX called me over and over as they failed to address this in their last reply to my CFPB complaint. WHO IS XXXX XXXX AND WHY DID BRIDGECREST GIVE HER MY PHONE NUMBER? \n\nPayment Due Date is Illegal Window of 0 Days! \nAlso, like all car loans, you have a window to pay and I was told that. Now Bridgecrest is saying you have 0 days of leeway on your due date. Really? UNHEARD OF IN THE AUTOFINANCE INDUSTRY unless you are shady. When I had a loan through XXXX XXXX I had a two week window to pay. Why is this company doing this? People 's paychecks do not always come easily to align with due dates and as a XXXX  I get paid twice a month, so can not help it is my payday does not align with the due date EXACTLY so this is not legal.","date_sent_to_company":"2024-01-12T17:58:40.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"8162052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2024-01-12T17:26:43.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["People 's paychecks do not always come easily to align with due dates and as a XXXX  I <em>get</em> paid twice a month, so can not help it is my <em>payday</em> does not align with the due date EXACTLY so this is not legal."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["<em>Loan</em> sold or transferred to another company"]},"sort":[11.405306,"8162052"]},{"_index":"complaint-public-v1","_id":"3906419","_score":8.835022,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had XXXX credit score as shown when I was buying a SUV to lower my interest also in the process to refinance my Mortgage, I work hard to pay early and do the right thing, in XX/XX/XXXX my dealership pulled my credit it showed perfect credit at XXXX score and had order the color and options I wanted, when the new SUV arrived it took 35 days to order so the dealer had to run my credit again, this time it showed XXXX score and with 3 collection from around XXXX, it wasnt my and I could buy that SUV because the score, same time my Mortgage was also declined for refin. It was from Equifax Bureau, so I disputed those collection finally after months is calling and worries they removed those collection but it showed a XXXX score, because they comprised my personal info and leak of my info it cost me to paid higher interest cost me XXXX of dollars, because of them my score from other bureaus dropped my score. I couldnt get a loan for nothing, because my payment was too high due to higher interest rate at that time plus I was XXXX  for my mom and XXXX XXXX of her, I had to sell my items even my house because my mom passed and lots of bill came to me, I couldnt even finance a pencil. When Equifax removed my those negative item it took my score that I build so hard and doing the right thing, I though the nightmare was almost over than XXXX  Bureau did the same, it was Negative or collection but it showed I was deceased, yes show I was dead!!! Wow after all I went through with Equifax now I had to deal with XXXX, I put in a complaint and dispute because Im not deceased, they put my score to XXXX, I was trying to rebuild and hoping Equifax give me my credit score back because what they did, but instead no reinstatement of my score but base on the XXXX  at deceased XXXX score it went even lower to XXXX with Equifax that dropped my XXXX  to mid XXXX, I dont know when did XXXX put I was deceased but it has to be in XX/XX/XXXX because we try to buy the lease I was in because lease was ended I was trying to finance to keep my SUV because all the lease payment I paid. So we found out what XXXX  did I was deceased in their system and because that other Bureau was mid XXXX, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but couple send me to collection ; and I couldnt buy a home because those collection, I had to rent a small 3 bedroom townhome with XXXX kids and my wife paying other people mortgage since my house was sold. My company I work for 5 years in XXXX of XXXX move me to Utah for promotion, after they check my credit was so low, I did not got my promotion, I did everything I could and dont know much about the law so they took advantage of me been patient with them hope those Bureaus will do the right thing because its their fault, but it stay the same, I had to file Chapter XXXX Bankruptcy to protect the little what I have for my family and prevent those collector Garnish my pay, if that happen I would lost my family and their well-being, making a living is hard, I did not use any help from government or program because I want my kids to know about working hard and do the best to support our family, and do not do what lots of people do file assistant from our government for hand out. One last I forgot to mention was I was hurt at work, I fall and damaged both my XXXX  in XXXX, because who I am I power through my pain working 55 to 60 hours a week to put food on the table and a roof over my family head with those Credit Bureaus breach my info and ruin my credit score ; I finally couldnt work anymore so I did XXXX in XXXX for my right XXXX  XXXX  XXXX  XXXX   and XXXX XXXX, and my left XXXX this year in XX/XX/XXXX for another full construction repair and XXXX XXXX, and through that I work in pain and dealt with all this both Credit Bureaus that ruin my life, because what they did, I had to work extra hours and harder to support my family, used all the money I had saved, sold anything valuable I could to pay for my XXXX and I had to file that Bankruptcy XXXX to protect my family from those scam creditors and those 2 bureaus, even after all the try and call, now my score with XXXX  shows NA and deceased and Equifax is mid XXXX, Im on my last nerve with them, I lost XXXX of dollars, and could of save also XXXX of dollars, put my nerve through XXXX, cant sleep at night, both XXXX  XXXX and XXXX XXXX  and XXXX  to the point I cant XXXX, XXXX XXXX through tout the day, money spend on my doctors because of my symptoms cost by both Bureaus the biggest was moving to Utah though I had my promotion, because of my credit, I lost the promotion and didnt even got moving reimbursement from my work because my work though I lied to them and give my promotion to the next in-line that alone costed me {$15000.00} a year raise and additional bonus {$5000.00} per quarter. Please I need help from anyone that cares, because Im XXXX I get treated this way, Im from XXXX and I am a US citizen.","date_sent_to_company":"2020-10-19T04:28:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84790","tags":null,"has_narrative":true,"complaint_id":"3906419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-19T04:28:51.000Z","state":"UT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I couldnt <em>get</em> a <em>loan</em> for nothing, because my payment was too high due to higher interest rate at that time plus I was XXXX  for my mom and XXXX XXXX of her, I had to sell my items even my house because my mom passed and lots of bill came to me, I couldnt even finance a pencil."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other <em>personal</em> consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.835022,"3906419"]},{"_index":"complaint-public-v1","_id":"3906406","_score":8.356892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had XXXX credit score as shown when I was buying a SUV to lower my interest also in the process to refinance my Mortgage, I work hard  to pay early and do the right thing, in XX/XX/XXXX my dealership pulled my credit it showed perfect credit at XXXX  score and had order the color and options I wanted, when the new SUV arrived it took 35 days to order so the dealer had to run my credit again, this time it showed XXXX score and with 3 collection from around XXXX, it wasnt my and I could buy that SUV because the score, same time my Mortgage was also declined for refin. It was from XXXX  Bureau, so I disputed those collection finally after months is calling and worries they removed those collection but it showed a XXXX score, because they comprised my personal info and leak of my info it cost me to paid higher interest cost me XXXX of dollars, because of them my score from other bureaus dropped my score. I couldnt get a loan for nothing, because my payment was too high due to higher interest rate at that time plus I was XXXX  for my mom and XXXX XXXX of her, I had to sell my items even my house because my mom passed and lots of bill came to me, I couldnt even finance a pencil. When XXXX  removed my those negative item it took my score that I build so hard and doing the right thing, I though the nightmare was almost over than Experian Bureau did the same, it was Negative or collection but it showed I was deceased, yes show I was dead!!! Wow after all I went through with XXXX now I had to deal with Experian, I put in a complaint and dispute because Im not deceased, they put my score to XXXX, I was trying to rebuild and hoping XXXX  give me my credit score back because what they did, but instead no reinstatement of my score but base on  the Experian at deceased XXXX score it went even lower to XXXX with XXXX  that dropped my XXXX  to mid XXXX, I dont know when did Experian put I was deceased but it has to be in XX/XX/XXXX because we try to buy the lease I was in because lease was ended I was trying to finance to keep my SUV because all the lease payment I paid. So we found out what Experian did I was deceased in their system and because that other Bureau was mid 500s, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but couple send me to collection ; and I couldnt buy a home because those collection, I had to rent a small 3 bedroom townhome with XXXX kids and my wife paying other people mortgage since my house was sold. My company I work for 5 years in XXXX of XXXX move me to XXXX  for promotion, after they check my credit was so low, I did not got my promotion, I did everything I could and dont know much about the law so they took advantage of me been patient with them hope those Bureaus will do the right thing because its their fault, but it stay the same, I had to file  Chapter XXXX Bankruptcy to protect the little what I have for my family and prevent those collector Garnish my pay, if that happen I would lost my family and their well-being, making a living is hard, I did not use any help from government or program because I want my kids to  know about working hard and do the best to support our family, and do not do what lots of people do file assistant from our government for hand out. One last I forgot to mention was I was hurt at work, I fall and  damaged both my shoulders in XXXX, because who I am I power through my pain working 55 to 60 hours a week to put food on the table and a roof over my family head with those Credit Bureaus breach my info and ruin my credit score ; I finally couldnt work anymore so I  did XXXX in XXXX for my right shoulder full construction repair and XXXX XXXX, and my left shoulder this year in XX/XX/XXXX for another full construction repair and XXXX XXXX, and through that I work in pain and dealt with all this both Credit Bureaus that ruin my life, because what they did, I had to work extra hours and harder to support my family, used all the money I had saved, sold anything valuable I could to pay for my XXXX and I had to file that Bankruptcy XXXX to protect my family from those scam creditors and those 2 bureaus, even after all the try and call, now my score with  Experian shows NA and deceased and XXXX  is mid XXXX, Im on my last nerve with them, I lost XXXX of dollars, and could of save also XXXX of dollars, put my nerve through XXXX, cant sleep at night, both shoulder XXXX and XXXX XXXX and XXXX  to the point I cant XXXX, XXXX XXXX  through tout the day, money spend on my doctors because of my symptoms cost by both Bureaus the biggest was moving to Utah though I had my promotion, because of my credit, I lost the promotion and didnt even got moving reimbursement from my work because my work though I lied to them and give my promotion to the next in-line that alone costed me {$15000.00} a year raise and additional bonus {$5000.00} per quarter. Please I need help from anyone that cares, because Im XXXX I get treated this way, Im from XXXX and I am a US citizen.","date_sent_to_company":"2020-10-19T04:28:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84790","tags":null,"has_narrative":true,"complaint_id":"3906406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-10-19T03:07:50.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["to the next in-<em>line</em> that alone costed me {$15000.00} a year raise and additional bonus {$5000.00} per quarter."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other <em>personal</em> consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[8.356892,"3906406"]},{"_index":"complaint-public-v1","_id":"3512981","_score":5.1993456,"_source":{"product":"Mortgage","complaint_what_happened":"On Tue, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX wrote : OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION CONSUMER SERVICES UNIT CONSUMER COMPLAINT FORM Licensing Board is responsible for supervising collection agencies ( Board Licensees ).\n\nBefore you begin : If your complaint involves one of the above listed entities, it is recommended that you contact the entity ( s ) to resolve the matter prior to submitting a complaint. When contacting the entity, please make every effort to ensure contact that the person with whom you communicate is authorized to resolve your dispute.\n\nIf you are unable to resolve the complaint directly with the entity, the second step is to determine if the financial entity is supervised by the Commissioner ( see our licensing search pages ).\n\nThe Commissioner of Financial Regulation ( Commissioner ) is responsible for supervising Maryland State-chartered banks, credit unions, and non-deposit trust companies ( collectively Institutions ) and for supervising entities providing the following financial services to Maryland consumers, including, consumer and installment lenders ( including payday lenders ), sales finance companies, mortgage brokers, lenders, servicers, and loan originators, check cashing services, money transmitters, debt management businesses, credit reporting agencies, credit services businesses ( collectively Licensees ). The XXXX XXXX XXXX NOTE : If you believe that the party who is the subject of your complaint should be licensed by the Commissioner, and is not licensed, you should file a complaint. \nComplaint Form XX/XX/XXXX Page 1 of 6 Instructions : This is a fillable PDF form which means you may complete and sign this form electronically. If you decide to complete the form manually, please print the form, print your information clearly and sign your name. Use black or blue ink, only.\n\nThis is NOT an online form ; you must submit your complaint by one of the means listed below. Please enclose copies ( NOT ORIGINALS ) of documents ( contracts, account statements, letters, bills, receipts, checks, etc., ) that relate to your complaint, and be sure to sign ( electronically or manually ) and date your complaint.\n\nDeliver your completed complaint form and relating documents by one of the following methods : BY E-MAIL : Please send as attachments to XXXX BY MAIL : Commissioner of Financial Regulation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Maryland XXXX Attention : Consumer Services Unit IN-PERSON : You can also walk in to the Commissioners office at XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX ( Note : walk-in Hours are : XXXX XXXX - XXXX XXXX  ) BY FACSIMILE ( FAX ) : at the following fax number XXXX ( Note : please mark your fax to the attention of the Consumer Services Unit ) Note : Your complaint will be assigned to an Examiner who will handle your complaint and who will reach out to you shortly after being assigned your complaint. \nBe advised any information that you provide may be forwarded to an Institution, Licensee, Board Licensee, or any other individual against whom you have complained. \nFree at ( XXXX ) XXXX or visit the Commissioners webpage at http : //www.dllr.maryland.gov/finance/. \nBefore you submit or mail your complaint : Proof read the information you have provided and make any necessary corrections. \nEnclose copies ( NOT ORIGINALS ) of documents that relate to your complaint. \nPlease make sure to sign and date the form. \nFinally, before sending make a complete copy of all information submitted by you. \nShould you have any questions regarding the Commissioners complaint resolution process or a complaint you have filed with the Commissioner, do not hesitate to contact the Consumer Services Unit at ( XXXX ) XXXX XXXX or Toll Complaint Form XX/XX/XXXX Page 2 of 6 DEMOGRAPHIC INFORMATION Your Name The Office of the Commissioner of Financial Regulation complies with all applicable federal and State laws regarding discrimination. The Commissioner does not base findings concerning complaints on a persons age, ancestry, color, gender identity and expression, marital status, race, or any other protected status. However, in an effort to ascertain trends regarding complaint data, we ask that you voluntarily provide the following demographic information. Demographic information will not be shared with the person or entity who is the subject of your complaint. \nWhat category best describes you? \nXXXXX XXXX or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or XXXX   origin XXXX XXXX  or XXXX XXXX XXXX XXXX or Other XXXX XXXX XXXX or XXXX   Other race, ethnicity or origin Decline to answer Gender Identity : Female Male Other gender Decline to Answer Age : 18-25 26-35 36-45 x 46-55 56-65 Over 65 Decline to Answer Veteran/ Military Status : Are you eligible to declare veteran or military status? Yes x No If yes which best describes your status? Veteran Active Duty or Reserve Active Duty or Reserve/ deployed Complaint Form XX/XX/XXXX Page 3 of 6 CONSUMER INFORMATION Your Name : Mr. XMs. \nHome # : Cell # : ( XXXX ) XXXX Work # : Fax # : Street Address : XXXX XXXX XXXX, City/Town/State : XXXX XXXX MD Zip Code : XXXX E-mail Address : XXXX Account Number ( s ) involved in this complaint : Complaint Form XX/XX/XXXX Page 4 of 6 CONSUMER ATTORNEY OR REPRESENTATIVE AGENT Do you have an attorney or representative agent assisting you with this complaint? Yes x No If so, do you authorize the release of information to the below listed individual? Yes No Representative Name : Work # : Cell # : Fax # : Representative Street Address : Representative City/Town/State : Zip Code : Representative E-mail Address : WHAT IS YOUR COMPLAINT ABOUT?\n\n( Check all that apply ) ATM or Money Wiring Services Auto or Car Title Loan Auto Repossession Bank or Credit Union Check Casher Consumer Loan Credit Denial Credit Reporting Agency x Debt Collection - General Debt Collection Harassment Debt Management Services xDebt Settlement Services x Dispute of Credit Information XDispute Debt Owed X Foreclosure Related X Foreclosure Prevention Services Identity Theft Land Installment Loan X Lending or Credit Fraud Money Transmission X Mortgage Fraud X Mortgage Loan X Mortgage Modification Mortgage Refinance X Mortgage Servicer Personal Property Repossession Property Management or HOA Fees Reverse Mortgage Short Sale or Deed in Lieu Student Loan Questionable Fee Charges Unauthorized Charges Virtual or Cryptocurrency XOther : __________fruadlent propertys sale___unfair practices of the attorneys office and the mortgage companies to_____breaking the law ___ THE NAME OF THE PERSON OR ENTITY THAT I AM COMPLAINING ABOUT : Ocwen loan servicing llc / PHH mortgage/ XXXX XXXX mortgage and attorneys and trustee office XXXX XXXX XXXX  XXXX ( If more than one , use separate Complaint Form for each complainant ) Name : Work # : Cell # : Fax # : Street Address : City/Town/State : Zip Code : E-mail Address : Complaint Form XX/XX/XXXX Page 5 of 6 Complaint Narrative : Did you contact the person or entity about your complaint? Yes Person Contacted : ocwen loan services llc Did they respond? Yes Date Contacted : XX/XX/XXXX Date of Response : If so, nature of response : call the attorneys office Complaint Form XX/XX/XXXX Page 6 of 7 Is Court Action Pending on this complaint? Yes, but the already sale my property Proposed Resolution what would be an acceptable resolution to your complaint : Remove them form serving customer and dismissed and give my home back with full payment because they break the law or evidence and be fair as well as lawful Check here if you are filing this complaint for informational purposes ONLY. \n( By checking this box the office will not reach out to the person or entity you are complaining about ) **Please read carefully, before signing and submitting your complaint. ** XXXX XXXX  By signing this complaint, I certify that all the information supplied in this complaint form is true and accurate to the best of my knowledge. I also authorize the Office of the Commissioner of Financial Regulation to speak on my behalf regarding my loan or account with the person ( s ) or entity ( ies ) listed in this complaint ( unless this complaint is filed for information purposes only ). I further have no objection to the contents of this complaint being forwarded to the person ( s ) or entity ( ies ) listed in this complaint. Further, in filing this complaint, I understand that the Commissioner of Financial Regulation can neither guarantee any certain resolution to this complaint nor provide me with legal advice. Should I have questions concerning my legal rights and responsibilities, I will contact an appropriate legal services provider. \nSignature : XXXX XXXX Date:XX/XX/XXXXComplaint Form XX/XX/XXXX Page 7 of 7 The attorney/ Trustee company ( XXXX XXXX XXXX  XXXX et al ) ( Ocwen loan Services ) employees and ( PHH moragt. ) ( XXXX XXXX ) please excuse me bacise as for today I dont no who who. But the say they all the same but all dont have me account correctly ) have submitted false information and paperwork. Conduct and engage in dishonesty, fraud, deceit and misrepresentation the prejudice sell in my property disobey court order, filing a default sale wit out get the court to rule on it not following The Maryland state rule by file announcement of the property in public papers not send the notices to the ( Regular Mail ) On fair time never send me what was to be collect to demand my property before sale when call the mortgage company the say call the attorney s not file the true not we never had our time in court because we been in Bankruptcy ( My husband mother past away in XXXX she put a lot of things in his name he was her only child and we had business as will we was waiting to have our day in court but you cant go throw any other court when in court with BK they not it as will they no they did have rights to foreclosure as well as the other didnt because the found the payment and the other case was closed as well as the began in this case ) never send us anything until it over and that was not to pay ocwen because they was receiving payment form us by side the bk case never got the number of account we was in bankruptcy and we request a line and the send in Faust document and read the attachment and I have so much evidence on their fraudulent and the keep have to escape Their actions because of the people they no. I have never received a notes of default on this case but the conduct a sale and waiting for a RAF. Sale for 15 days I received the sale notice Thursday XX/XX/XXXXthat evening I call all Friday the 11th to get the understanding with the court talk to the judge chamber on the docket XXXX informed me that they mean judge sign the order no long work in foreclosure and I had to call the majesty XXXX on that and all say it nothing on case very say Im in bk and I told them I was not and I was waiting to go to court they say come and file something so I was sick Monday had a doctor appointment and on XX/XX/XXXX I walk in the foreclosure office received a payed for copy of the documents with there information and a receipt on case and file and report I was no long on bankruptcy case we had it lifted I was call that day by Ocwen I told I thought I wan na with PHH and XXXX XXXX he informed me the the same people I told him where o was and Im about to file he start get upset I have to pay all to stay and I wa going be evident and he still did no for sho what I need to bring it up to date I need to call the attorney but I say I give my money to you all and that when he said I call the attorney to get a buy back I ask that what that and he say call then I file my paperwork and when I got home I call the foreclosure office where the paperwork why not on file the next day I see they file something after me and that when I see the attorney ask to be put on hold until XX/XX/XXXX for judge make a judgement on the case that to hold them and get a raffle sale completed but also they still had no right to sale see attachments and still not follow the law I was told to not file with any of these officials or they going really get a sheff evidence for the 15 days when it was to be no soon the 30days they are above the law and they dont follow no ruling orders and have no respect for the law. They not turstworthy and the paperwork is so poor fraued documents they dont even try no more they follow the law if need any more proof the use fraudulent things as well as i -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX  Subject : Fwd : Next Steps - FTC Complaint Assistant To : XXXX XXXX XXXX Circuit Court of Maryland Go Back Now Case Information Court System : Circuit Court for XXXX XXXX XXXX County - Civil System Case Number : XXXX Case Description : XXXX vs XXXX Case Type : Property Filing Date:XX/XX/XXXX Case Status : Inactive Defendant/Respondent Information Party Type : DefendantParty No. :2 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXXState : MDZip Code:XXXX Party Type : DefendantParty No. :3 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXXState : MDZip Code:XXXX Attorney Information Name : XXXX XXXX Attorney Type : Attorney Address : XXXX XXXX XXXX City : XXXXState : MDZip Code:XXXX Other Party Information Party Type : Substitute TrusteeParty No. :1 Name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Court Scheduling Information Event Type : Status Hearing Event Date : XX/XX/XXXXStart Time:XXXX Result : Status Conference HeldResult Date:XX/XX/XXXX Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Dockets ( Each Document listed. Documents are listed in Document No./Sequence No. order ) Date : XX/XX/XXXX Document Name : CaseType : Foreclos of Deed Tr Docket Text : Date : XX/XX/XXXX Document Name : Forclsure Eligible for Mediatn Docket Text : Date : XX/XX/XXXX Document Name : Order To Docket Foreclosure Fd Docket Text : 001 proceeding to forc d/t on XXXX XXXX with attachments fd/rja e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Forclsure/Prel Loss Mitgtn Aff Docket Text : 002 fd/rja e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Affidavit of Service, fd Docket Text : 003 As to XXXX XXXX XXXX F.D./EJ E ; XX/XX/XXXXDate : XX/XX/XXXX Document Name : Affidavit of Service, fd Docket Text : 004 As to XXXX XXXX XXXX F.D./EJ E ; XX/XX/XXXX Date : XX/XX/XXXX Document Name : Affidavit, Fd. \nDocket Text : 005 Affidavit of Mailing - As to All Occupants F.D./EJ E ; XX/XX/XXXX Date : XX/XX/XXXX Document Name : Deed of Appt/Appt of Sub Tr Fd Docket Text : 006 fd. kbp e XX/XX/XXXXDate : XX/XX/XXXX Document Name : Forclsure/Finl Loss Mitgtn Aff Docket Text : 007 fd.ksr eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Bond Approved and Filed. \nDocket Text : 008 Bonds XXXX with attachments fd.ksr eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Not To Pty Contemp Dis Case Fd Docket Text : 009 fd.md Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 010 No attachments, fd.md ( Tagged for XXXX ) e XX/XX/XXXXDate : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 011 Order of Court dated XX/XX/XXXX, Judge XXXX, ORDERED that the motion is granted and ORDERED that dismissal of this action be and hereby is DEFERRED for 90 days, thereafter the case will be dismissed unless further deferral is granted or there is documented activity filed in the case, fd.md cc : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 012 fd, amk ( tagged for XXXX ) Date : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 013 Order of Court dated XX/XX/XXXX,  Judge XXXX, ORDERED, that the motion is GRANTED and dismissal of this action be, and hereby is, DEFERRED for 90 DAYS, thereafter the case will be dismissed unless further deferral is granted or there is documented activity filed in the case. FD.LT Copies mailed to : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 014 fd/rja e XX/XX/XXXX Motion to Defer Dismissal ( tagged for Judge XXXX ) Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 015 fd.mdm e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Notice of Hearing, filed Docket Text : 016 Notice of Hearing XX/XX/XXXX Status Hearing XXXX e.keh XX/XX/XXXX Date : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 017 Order of Court signed by Judge XXXX on XX/XX/XXXX ORDERED that Plaintiffs XXXX Motion to Defer Dismissal is deemed MOOT ; and it is further ORDERED that this proceeding be and hereby is automatically STAYED pending bankruptcy ; and it is further ORDERED that the Substitute Trustees ' shall forthwith advise the court in writing when the automatic stay is lifted ; and it is further ORDERED that this matter be set in on XX/XX/XXXXat XXXX for a status hearing to determine the status of Defendant 's bankruptcy cc : XXXX XXXX , XXXX XXXX , XXXX XXXX by XXXX e.keh XX/XX/XXXX Date : XX/XX/XXXX Document Name : Status Conference Held Docket Text : Date : XX/XX/XXXX Document Name : Civil Daily Sheet, Filed Docket Text : 018 fd/db Judge XXXX, XX/XX/XXXX, XXXX Judge XXXX ; XXXX XXXX Status hearing held Case stayed-bankrutpcy pending Other : bankruptcy case summary filed e XX/XX/XXXX Date : XX/XX/XXXXDocument Name : Order Stay Pending Bank, fd Docket Text : case stayed pending bankrupcty per daily sheet Date : XX/XX/XXXX Document Name : Order Stay Pending Bank, fd Docket Text : 019 Order of court dated XX/XX/XXXX  Judge XXXX, Ordered, that this proceeding be and hereby is automatically Stayed pending bankruptcy, and it is further, Ordered, that the plaintiffs ' counsel shall file a written status update with the court regarding the status of defendant 's bankruptcy three months after the date of this order and every three months  thereafter until the stay is lifted, and it is further, Ordered, that the substitute Trustees shall forthwith advise the court, in writing, when the automatic stay is lifted, and it is further Ordered, that failure of plaintiffs to advise the court as to when the automatic stay is lifted may result in the dismissal of this matter without prejudice fd.kss eXX/XX/XXXX copies mailed from chambers Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 020 line to withdraw suggestion of bankruptcy, fd.tng e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 021 Case No. XXXX fd, aj eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 022 case no. XXXX fd.aj e.XX/XX/XXXX Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 023 fd ; tb e. XX/XX/XXXX Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 024 fd ; tb e. XX/XX/XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 025 motion to defer dismissal fd.kss eXX/XX/XXXX ( tagged for XXXX XXXX With hold until XX/XX/XXXX ) Date : XX/XX/XXXX Document Name : Motion To Stay, Fd. \nDocket Text : 027 Defendant 's motion for temporary stay of the foreclosure sale pending a full hearing on defendant 's motion to stay and dismiss foreclosure action fd.kss eXX/XX/XXXX ( Tagged for XXXX XXXX ) Date : XX/XX/XXXX Document Name : Motion To Dismiss, Fd. \nDocket Text : 026 defendant motion to dismiss with attachments fd.kss eXX/XX/XXXX ( Tagged for XXXX. XXXX ) This is an electronic case record. Full case information can not be made available either because of legal restrictions on access to case records found in Maryland Rules, or because of the practical difficulties inherent in reducing a case record into an electronic format. \n\n\n-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX XXXX  Subject : Next Steps - FTC Complaint Assistant To : XXXX Next Steps - FTC Complaint Assistant Print FTC Report FTC Report Number : XXXX The FTC can not resolve individual complaints, but we can provide information about next steps to take. We share your report with local, state, federal, and foreign law enforcement partners. Your report might be used to investigate cases in a legal proceeding. Please read our Privacy Policy to learn how we protect your personal information, and when we share it ocwen filed a  forclouse on my home in XXXX and about XXXX the case was to be closed but i was also in bankruty at the same time and my home trustee ( XXXX XXXX ) work for XXXX, XXXX XXXX XXXX as well as the attorney XXXX XXXX the company is also a debit collect agency the file and keep going with the paperwork and had a hearing when we was in bankrupty court they have file the flase deed of trust i call the office and told them i was pay my bk and send ocwen money so the can use that case the need to refile with tha correct acount and the stop take my payment sen back as well as i talk to Ms XXXX and i told it was the woronge paperwork she say she dont have to file that corrct paper work as will as i will get a credit after the home would be stoled and that XX/XX/XXXX i receied a substitue trustee sale for XX/XX/XXXX bevcaue of a default for XX/XX/XXXX and my home was a prime loan i was pay XXXX a moth first. until we recvie a mod i file a consumer compaltint and the have been file false paprrwork we had only one and the made me pay a down payment and the was to file some thing incourt but the court did recevie nothing until the same date i file XX/XX/XXXX and the file the same and adk to hold my motion and my edvince and they paperwork until XX/XX/XXXX after the sale would be raf. and they have majesty o that some day im in court the morgat. company call me and was on the for with me for two hour acting threating we going sell your home you have to pay. all now never tell me what to pay because the have receid payment and they dont really no when i say i was in the court the then say i can redemybit but i have to call the lawyer office about that money okay when i call it no redem. and it other things to How It Started Date fraud began : Amount I was asked for : Amount I paid : XX/XX/XXXX XXXX Payment Used : How I was contacted : Money Order Mobile : Text/E-Mail/IM Who Is Your Complaint About Company/Individual 1 Name : Ocwen loan services/XXXX XXXX XXXX XXXX Address : Apt/PO Box : City : State : Zip : Email Address : Phone : Website : Representative : https : //www.ftccomplaintassistant","date_sent_to_company":"2020-02-18T14:13:23.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20747","tags":null,"has_narrative":true,"complaint_id":"3512981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2020-01-29T04:49:11.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["( Check all that apply ) ATM or Money Wiring Services Auto or Car Title <em>Loan</em> Auto Repossession Bank or <em>Credit</em> Union Check Casher Consumer <em>Loan</em> <em>Credit</em> Denial <em>Credit</em> Reporting Agency x Debt Collection - General Debt Collection Harassment Debt Management Services xDebt Settlement Services x Dispute of <em>Credit</em> Information XDispute Debt Owed X Foreclosure Related X Foreclosure Prevention Services Identity Theft Land Installment <em>Loan</em> X Lending or <em>Credit</em> Fraud Money Transmission X Mortgage Fraud X Mortgage"]},"sort":[5.1993456,"3512981"]},{"_index":"complaint-public-v1","_id":"4798226","_score":4.945884,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, I am writing to you as a last ditch attempt hoping you or someone at Chase will take responsibility for the illegal ACH payments Chase allowed even though there was no authorization for them to do so and resolve an ongoing issue with that has yet to be resolved fairly or accurately for three years, before I contact regulatory authorities through an attorney. I have always lived paycheck to paycheck and have always paid up to hundreds in fees to Chase yearly, yet I was never treated so badly as I have been the last three years costing me thousands of dollars and mental and financial stress. \n\nAll of my account and personal information can be found within my first attempt outside of Chase to resolve this matter RE Financial Protection Bureau case number XXXX. the last 4 of my account was XXXX On XX/XX/XXXX I verbally withdrew my authorization to XXXX XXXX XXXX/XXXX  XXXX XXXX for its access to my chase bank account. This entity recently settled with me via access financial  and Texas AG case XXXX in XXXX of XXXX regarding their illegal activities of which Chase became a part of. On the same day, In order to double secure my account from their access, I took out a stop payment at Chase Bank on this same loan for XXXX XXXX XXXX XXXX XXXX  XXXX . I also informed the Chase CSR ( customer service representative ) that I had revoked authorization from anyone representing and including XXXX  XXXX XXXX  and that they nor any entity thereof were authorized to pull money from my account. When discussing the stop payment I informed the CSR that I had gotten the payday loan from a XXXX  XXXX XXXX  facility but that XXXX XXXX funding was on my authorization. He said that since XXXX  XXXX  funding was on my original authorization he would put that on the stop check but that it would cover XXXX  XXXX XXXX  as well since that was the physical place to whom I had signed the authorization. He did not request any information on my authorization revocation. He placed the stop payment amounts from {$1.00} to {$4000.00}. I was told that if they tried to take out money using different names to contact Chase and they would reverse it. I have taken out quite a few stop payments to pay off loans outside of them having access to my account and have never had the difficulty of Chase continuing to allow an unauthorized entity to take money out of my account however and whenever they wished, so I trusted what he said. \n\nAfter paying for stop payments from any entity representing XXXX  XXXX XXXX  aka XXXX  XXXX XXXX, On XX/XX/XXXX I was charged a {$34.00} fee by Chase to return a check number XXXX presented by XXXX  XXXX XXXX  aka XXXX  XXXX XXXX. On XX/XX/XXXX the entity presented unauthorized check # XXXX in the amount of XXXX with no prior notice to me which is illegal and to which they have admitted as such in my settlement with them resolved in XX/XX/XXXX. Chase paid this amount, overdrawing my account and also charged me another {$34.00} fee. Subsequent checks presented by this unauthorized entity were # XXXX on XX/XX/XXXX in the amount of XXXX, # XXXX on XX/XX/XXXX in the amount of XXXX # XXXX on XX/XX/XXXX in the amount of {$30.00}. \n\nNone of these ach were presented as pending and I was not aware that it was legal for an entity to add check numbers to an ach authorization so I didnt catch some of them when it was done. Regardless, I emailed from my Chase account on XX/XX/XXXX and also called on XX/XX/XXXX to request them to reverse these unauthorized charges as well as the first large one as instructed by the original CSR. I was told by the CSR that they couldnt do anything about reversing it and I was forwarded to fraud where I was grilled and treated like a criminal regardless of the fact that at any time Chase could reverse the unauthorized charges according to my stop payment. \n\nI then asked to speak to a supervisor because I couldnt believe they were treating me this way. I was sent to a fraud specialist named XXXX rather than to a supervisor. XXXX and other fraud department personnel continued over subsequent calls to abuse me and bully me by gaslighting me about my original stop payment conversation, the lack of authorization and refused to close my account to switch it or give me any option whatsoever to keep this unauthorized entity from accessing my account. After many phone calls and complaints and because she was literally yelling at me, I finally asked to speak with XXXX manager. She told me she was the highest manager and that she had no supervisor. I have found since then through discussion with other more amicable chase collection agents that this was a lie. Some of the many ways she and her crew ( even overseas call centers ) bullied and gaslighted me, consisted of asking me if I owed the company, asking if I had signed anything with the company regardless of the fact that they knew I had revoked auth, telling me they had contracts with companies that didnt allow chase to stop payments to them (????? ). I told them each that I had revoked auth and that my business with that company was between myself and that company and not my bank. XXXX nor anyone in Chases fraud department seem to understand that they are required by law to protect my account from unauthorized entities regardless of what I initially agreed to with said company outside of chase. It seems to be just how Chase does business. They continued to refuse to honor either my stop check or revocation of authorization, the former by playing semantics with the names of the companies that are one in the same and the latter Im just baffled by and have no understanding of. In spite of their concern for XXXX  XXXX XXXX, they did not ask for what was on the contract as far as the authorization ( which as I found out later would have shown that I wasnt given a specified way to revoke authorization which made the original authorization I had signed null and void by law anyway ). I did tell them that according to my contract with the entity I had revoked authorization verbally. \n\nSubsequently Chase bank over drafted my account by the amount they paid to the unauthorized entity and then continued to add fees so I was unable to pay my bills without incurring late fees. I was unfortunately finally forced to move my income deposits to another bank. This ordeal caused me to be late on car and mortgage payments who charged late fees against the interest % on my loans and I finally had to do a mortgage modification that cost thousands to be added to my home loan. \n\nAfter many phone calls and complaints by me : on XX/XX/XXXX with XXXX and other peers of hers, on XX/XX/XXXX with XXXX a private line banker, on XX/XX/XXXX with XXXX to dispute my fraud claim denial, on XX/XX/XXXX with XXXX regarding XXXX and the fraud departments bullying tactics and refusal to help me close my account off from this unauthorized entity, and finally on XX/XX/XXXX with XXXX who was an escalation supervisor, and on many collection phone calls which I answered and consistently told the story to, they continually refuse to honor my stop payment and what I had been told or the authorization revocation. \n\nIn XX/XX/XXXX I complained with the Consumer Financial Protection Bureau case number XXXX as this illegal activity continues to cost me more and more since it has been reported to XXXX XXXX and other reporting agencies and banking report entities. I have been turned down by insurance companies for my home and my car in spite of always paying on time and not having claims in my home and charged more for what I could get because of Chases unwillingness to admit they illegally refused to honor my stop payment and authorization pull. \n\nUnfortunately I did not have my numbers correct on the original complaint as it had been years since this had occurred and I suffer from XXXX XXXX XXXX for XXXX from the military making it impossibly difficult to continue to get this flack and these accusations from Chase and still stand up for myself. However, a woman named XXXX who took on my case called me and we discussed the proper dates and amounts of what had happened- so XXXX is well acquainted with the actual dates and Chases refusal to honor my stop payment or to find some way to stop this unauthorized foray into my account. I thought I had finally reached someone at chase that would see how unethical and even illegal what these employees did was. Unfortunately, the end of her investigation she called and asked me if I had recordings of the calls I had made because I had directed them in my complaint to THEIR recordings which I thought they probably had. Rather than go by the dates and amounts she and I had discussed, in her response XXXX overlooked completely the call notes which she had at her disposal regarding what was done to me by Chases fraud department - even going so far as to say that she could not give me any information regarding the many phone calls I made so that I could correct the information because legally that information belongs to Chase after I called her to ask her why she had ignored all the info I had given her and that we had gone over together. I had told her specifically that the stop payment CSR had put XXXX XXXX  XXXX on it with the understanding that they are also XXXX  XXXX XXXX, yet in her response she pretended that we had never had the conversation and responded to my complaint saying they refused my requested resolution Bc I never requested a stop payment. The lack of authorization of the entity into my account wasnt even approached by her. This is how the bullying, gaslighting and avoidance tactics by Chase Bank continued even now. Her response letter also said : We take complaints regarding employee conduct seriously. We do not tolerate any type of behavior that is contrary to our policy and corporate culture. ; this must mean that Chase bank has a culture of avoiding their mistakes and covering for the bank and other employees who continue to illegally not honor a stop payment and non authorized money grabs that they were continually informed about. To add insult to injury, even though I didnt mention it before, Chase paid these unauthorized checks knowing that the actual money to cover them would not be in my account ( as I was using my debit card ) and charged me for their mistakes along with redundant fees. How else would my account be thousands in the negative? \n\n\nDates and Charges On XX/XX/XXXX my stop payment fee was paid for XXXX XXXX  XXXX aka XXXX  XXXX XXXX. {$30.00} I also told them of my authorization revocation for XXXX XXXX XXXX aka XXXX XXXX  XXXX  On XX/XX/XXXX I was charged a return fee of {$34.00} for a check presented by XXXX XXXX  XXXX aka XXXX  XXXX XXXX. This fee caused two other fees for card purchases that would have not been charged if the unauthorized check had been appropriately put under the stop payment. Chase charged me two more {$34.00} fees totaling {$100.00} in unfair illegal fees. \n\nOn my XXXX XXXX XX/XX/XXXX statement, there is an ironic note saying that starting the next month we would be able to change our checking account number when our account has been compromised. I not only was not offered this, I was treated like a criminal by XXXX and Chases fraud department and not allowed to do anything to stop these outrageous fees and unauthorized check presentations to my account. During this month the afore mentioned checks were presented to my account as XXXX  XXXX XXXX  who is also XXXX XXXX  XXXX to the total of XXXX causing {$170.00} in fees and my inability to pay my mortgage payment. \n\nI moved my income to another bank account as Chase reps continuously refused to honor my stop payment or my authorization revocation. In XXXX Chase charged me again an nsf for this same company of {$34.00} and a {$6.00} fee bc I was forced to stop deposits to this account with rogue unauthorized presentations. In XXXX I was charged another {$34.00} fee for yet another unauthorized presentation to my account and when I called to once again see if Chase would own up to their illegal activities I was refunded three {$34.00} fees totaling {$100.00} and my negative balance was written off and still reported negatively to credit reporting companies, XXXX XXXX and banking reporters. At this time I offered to pay them {$180.00} and settle this, still hoping to keep my decades long account but I was refused. \n\nIn all Chase paid out a total of XXXX illegally to XXXX XXXX XXXX  making my account negative that amount and charged me a total of {$370.00} ( minus a later {$100.00} fee reversal ) making a sum of {$270.00}. The total of unauthorized payments and fees adds up to XXXX. Chase claims I owe them XXXX which when the illegal activities are reversed means I would have owed them XXXX which I told them Id pay and they refused my offer. \nEnd notes I have attached a copy I sent myself of my original attempt to do what the CSR told me to do and have the phone records of when I called and how long I spoke with both chase and XXXX  XXXX XXXX  XXXX  XXXX, as well as the many times Chase called me and I spoke with them regarding this if needed. \n\nThanks for any help","date_sent_to_company":"2021-10-10T21:06:06.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"78626","tags":"Servicemember","has_narrative":true,"complaint_id":"4798226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-10-10T20:45:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["This ordeal caused me to be late on car and mortgage payments who charged late fees against the interest % on my <em>loans</em> and I finally had to do a mortgage modification that cost thousands to be added to my home <em>loan</em>."]},"sort":[4.945884,"4798226"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":18,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":18}]}},"product":{"doc_count":18,"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":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Debt collection","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan debt","doc_count":2},{"key":"I do not know","doc_count":1},{"key":"Other debt","doc_count":1},{"key":"Payday loan","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Payday loan","doc_count":1},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Payday loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":18,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit inquiries on your report that you don't recognize","doc_count":2},{"key":"Reporting company used your report improperly","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Old information reappears or never goes away","doc_count":3}]}},{"key":"Communication tactics","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Used obscene, profane, or other abusive language","doc_count":2}]}},{"key":"Applied for loan/did not receive money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged bank acct wrong day or amt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged fees or interest you didn't expect","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Indicated committed crime not paying","doc_count":1}]}},{"key":"Improper contact or sharing of info","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted me after I asked not to","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan sold or transferred to another company","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened to sue you for very old debt","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":18,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":17},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":18,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":14},{"key":"Closed with non-monetary relief","doc_count":2},{"key":"Closed with monetary relief","doc_count":1},{"key":"Untimely response","doc_count":1}]}},"submitted_via":{"doc_count":18,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":18}]}},"company":{"doc_count":18,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":2},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"CURO Intermediate Holdings","doc_count":1},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":1},{"key":"Eastern Asset Services LLC","doc_count":1},{"key":"Financial Credit Service, Inc.","doc_count":1},{"key":"Insikt, Inc.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"Lien Enforcement Inc","doc_count":1},{"key":"MoneyLion Inc.","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"Solutions To Portfolios, LLC","doc_count":1},{"key":"Sunset Solutions Group, LLC","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":18,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":3},{"key":"OH","doc_count":3},{"key":"MD","doc_count":2},{"key":"TX","doc_count":2},{"key":"UT","doc_count":2},{"key":"FL","doc_count":1},{"key":"HI","doc_count":1},{"key":"ID","doc_count":1},{"key":"IL","doc_count":1},{"key":"MI","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":18,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":6},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":18,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":3}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}