{"took":491,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1076,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9794362","_score":18.457067,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. \n\nI want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. \n\nI kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-10T20:10:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29673","tags":null,"has_narrative":true,"complaint_id":"9794362","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-10T20:10:01.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to address an error in the balance <em>reflected</em> on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately <em>reflect</em> my <em>payment</em> history. \n\nI want to clarify that all of my <em>payments</em> have been made on time, and at no point have I missed a <em>payment</em> deadline. I have consistently adhered to the <em>payment</em> <em>schedule</em>, and my records <em>show</em> that each <em>payment</em> was made in full and within the required timeframe."]},"sort":[18.457067,"9794362"]},{"_index":"complaint-public-v1","_id":"9794383","_score":18.448841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. \n\nI want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. \n\nI kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-10T20:09:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29673","tags":null,"has_narrative":true,"complaint_id":"9794383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-08-10T19:30:26.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to address an error in the balance <em>reflected</em> on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately <em>reflect</em> my <em>payment</em> history. \n\nI want to clarify that all of my <em>payments</em> have been made on time, and at no point have I missed a <em>payment</em> deadline. I have consistently adhered to the <em>payment</em> <em>schedule</em>, and my records <em>show</em> that each <em>payment</em> was made in full and within the required timeframe."]},"sort":[18.448841,"9794383"]},{"_index":"complaint-public-v1","_id":"9794361","_score":18.448841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. \n\nI want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. \n\nI kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-10T20:10:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29673","tags":null,"has_narrative":true,"complaint_id":"9794361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-10T20:10:01.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to address an error in the balance <em>reflected</em> on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately <em>reflect</em> my <em>payment</em> history. \n\nI want to clarify that all of my <em>payments</em> have been made on time, and at no point have I missed a <em>payment</em> deadline. I have consistently adhered to the <em>payment</em> <em>schedule</em>, and my records <em>show</em> that each <em>payment</em> was made in full and within the required timeframe."]},"sort":[18.448841,"9794361"]},{"_index":"complaint-public-v1","_id":"9769639","_score":18.428387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. \n\nI want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. \n\nI kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-10T20:10:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29673","tags":null,"has_narrative":true,"complaint_id":"9769639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-10T20:10:01.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to address an error in the balance <em>reflected</em> on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately <em>reflect</em> my <em>payment</em> history. \n\nI want to clarify that all of my <em>payments</em> have been made on time, and at no point have I missed a <em>payment</em> deadline. I have consistently adhered to the <em>payment</em> <em>schedule</em>, and my records <em>show</em> that each <em>payment</em> was made in full and within the required timeframe."]},"sort":[18.428387,"9769639"]},{"_index":"complaint-public-v1","_id":"4100775","_score":18.263998,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX i scheduled a regular payment for XX/XX/XXXX in amount of {$160.00} and scheduled a principal only payment for XX/XX/XXXX in amount of {$55.00}. ( I have email confirmations for both. on XX/XX/XXXX the XX/XX/XXXX payment shows pending and the XX/XX/XXXX payment shows as applied. \nAdditionally, a late charge of {$25.00} was assessed on XX/XX/XXXX. On XX/XX/XXXX the XX/XX/XXXX payment is no longer reflected on the account, but the XX/XX/XXXX payment and late charge remain. On XX/XX/XXXX the XX/XX/XXXX payment is now reflected as a payment made on XX/XX/XXXX with a portion of the payment now applied to the XX/XX/XXXX late charge. I have issues with : A ) Fraudulent attempt to have me make a second payment because my payment is no longer reflected on the account. B ) Fraud in accessing a late charge when clearly a payment is shown as pending. C ) Fraud in apply part of a payment to a late charge that was fraudulently assessed. D ) Fraud in apply a payment 5 days after the payment was actually made. E ) Fraud in record keeping. Statement shows payment made on XX/XX/XXXX ( which is correct, BUT ) a portion of ontime payment is still applied to late payment that was not late And they insulted me by suggesting that I didn't have the money in my account. It was there and they took it!","date_sent_to_company":"2021-01-28T20:08:42.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"54956","tags":null,"has_narrative":true,"complaint_id":"4100775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-01-28T19:54:32.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX i <em>scheduled</em> a regular <em>payment</em> for XX/XX/XXXX in amount of {$160.00} and <em>scheduled</em> a principal only <em>payment</em> for XX/XX/XXXX in amount of {$55.00}. ( I have email confirmations for both. on XX/XX/XXXX the XX/XX/XXXX <em>payment</em> <em>shows</em> pending and the XX/XX/XXXX <em>payment</em> <em>shows</em> as applied. \nAdditionally, a late charge of {$25.00} was assessed on XX/XX/XXXX. On XX/XX/XXXX the XX/XX/XXXX <em>payment</em> is no longer <em>reflected</em> on the account, but the XX/XX/XXXX <em>payment</em> and late charge remain."]},"sort":[18.263998,"4100775"]},{"_index":"complaint-public-v1","_id":"8993612","_score":18.080297,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/2024, my final payment to Navient for my student loan was to be paid via autopay from my bank act. A couple of days prior to the amount being removed for payment, I checked to make sure the full amount I was scheduled to pay covered the full amount remaining on my loan. I double checked the payoff amount if the loan were to be paid in full that day and then compared it to the amount that was shown to be removed from my act for my auto payment. On the XXXX, 3 days after my final loan payment was done, I saw a lower amount was taken out than what it stated was for the total payoff amount, and that I had another auto payment scheduled for XXXX. It also showed that I had a balance of {$0.00} left on my act. So out of pure disbelief - I paid the remaining amount, {$0.00} from my bank act on the XXXX. Navient has since received my payments and shows both have posted to my act when I checked today, the XXXX of XXXX. But what really threw me for a loop was that the loan still showed open, still showed a scheduled autopay for XXXX, and still showed that the act was in repayment when in fact the act had been paid in full. Once the company receives the final payment, and post it to the act, how are they not closing the act or changing the status of the act to reflect the accurate status? The loan is no longer in repayment because it is paid off. \n\nI called a Navient and was told that they require that the acts show that they are still open and in repayment for 2 months after the last date of payment. WHAT!?!?!? That they need that time to season the payment?? How is this legal??? I have never had a lender keep the act open, and have it show an inaccurate payment status for 2 months after the date of the last payment??? Not only that but it was still reflecting as to have scheduled auto payments for the future! I was told from a customer service rep that they keep it open so they can adjust the act over two months? No. Once the payment has posted to the act, there is no reason to be adjusting anything. If there was an overpayment, then cut me a check but show the act is closed and its in good status! \n\nWhat really concerned me was the fact that they changed the auto payment amount to a lesser amount and then still showed I had a balance owed on the act!!?! How can that happen??!? I had to make an additional payment of {$0.00} on my act to pay it in full!!! This is not the only loan Ive had in my life but the most ridiculous loan Ive ever dealt with. If the payoff amount reflected the same amount that was owed, online- why would they change the amount of money they took for the payment that already showed it was pulling out the total amount shown under the payoff amount and then they change that as the payment is coming out so I still owed money on the act and they could still gain money from interest and missed payment fees on the act. This is absolutely ridiculous.","date_sent_to_company":"2024-05-14T00:56:31.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"77386","tags":"Servicemember","has_narrative":true,"complaint_id":"8993612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-05-14T00:34:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I called a Navient and was told that they require that the acts <em>show</em> that they are still open and in repayment for 2 months after the last date of <em>payment</em>. WHAT!?!?!? That they need that time to season the <em>payment</em>?? How is this legal??? I have never had a lender keep the act open, and have it <em>show</em> an inaccurate <em>payment</em> status for 2 months after the date of the last <em>payment</em>??? Not only that but it was still <em>reflecting</em> as to have <em>scheduled</em> auto <em>payments</em> for the future!"]},"sort":[18.080297,"8993612"]},{"_index":"complaint-public-v1","_id":"2939013","_score":17.795034,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"For my new XXXX the Payment date XXXX fell on weekend and they will not let you make a payment on that date it defaults to the next business day. I paid on the XXXX before my due date and still today on the XXXX my account is showing past due. Its not even reflecting online. My payment only shows scheduled for today when I made it on the XXXX. Then it says allow 2-3 business days for it to show up.","date_sent_to_company":"2018-06-18T17:50:48.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2939013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2018-06-18T17:41:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["For my new XXXX the <em>Payment</em> date XXXX fell on weekend and they will not let you make a <em>payment</em> on that date it defaults to the next business day. I paid on the XXXX before my due date and still today on the XXXX my account is showing past due. Its not even <em>reflecting</em> online. My <em>payment</em> only <em>shows</em> <em>scheduled</em> for today when I made it on the XXXX. Then it says allow 2-3 business days for it to <em>show</em> up."]},"sort":[17.795034,"2939013"]},{"_index":"complaint-public-v1","_id":"4156319","_score":17.467419,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX on XXXX XX/XX/2021 I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). Even after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something like XX/XX/XXXX/XX/XX/XXXX as the initial date. There are lots of discrepancies on their website to reflect the balance and total. When called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person. \nFinally after a lots of follow-up I got the amortization schedule via email but it is not reflecting another additional principal payment of {$4700.00} made on XX/XX/2021. \nI did numerous chats and phone calls. Why i should depend on inefficinent humans to see my revised amortization schedule? \nWhy the online amortization schedule is not visible now? \n\nWorst thing, after turning on escrow account, there is no transparency. Amount of escrow account is not in sync with all the sections of my online account. It seems that there are too many internal buggy systems in Mr. Cooper and everybody from different IT department is showing a different $ $ figure at various places. \nHighly inefficient organization.","date_sent_to_company":"2021-02-22T15:47:06.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"75063","tags":null,"has_narrative":true,"complaint_id":"4156319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-02-22T15:41:30.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XXXX XXXX XXXX I made an additional <em>payment</em> of $ XXXX towards my principal. More than 4 days - it's not <em>reflected</em> in the Amortization <em>schedule</em> ( Amortization <em>schedule</em> is not even visible ). Even after so many additional principal <em>payments</em>, Payoff calculator is way off and it still <em>shows</em> XXXX maturity date while it should start showing something like XX/XX/XXXX/XX/XX/XXXX as the initial date. There are lots of discrepancies on their website to <em>reflect</em> the balance and total."],"issue":["Trouble during <em>payment</em> process"]},"sort":[17.467419,"4156319"]},{"_index":"complaint-public-v1","_id":"4126086","_score":17.40888,"_source":{"product":"Mortgage","complaint_what_happened":"I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). \nEven after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something likeXX/XX/XXXX/XX/XX/XXXXas the initial date. \nThere are lots of discrepancies on their website to reflect the balance and total. \n\nWhen called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person.","date_sent_to_company":"2021-02-08T15:24:11.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"75063","tags":null,"has_narrative":true,"complaint_id":"4126086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-02-08T15:16:47.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XXXX XXXX XXXX I made an additional <em>payment</em> of $ XXXX towards my principal. More than 4 days - it's not <em>reflected</em> in the Amortization <em>schedule</em> ( Amortization <em>schedule</em> is not even visible ). \nEven after so many additional principal <em>payments</em>, Payoff calculator is way off and it still <em>shows</em> XXXX maturity date while it should start showing something likeXX/XX/XXXX/XX/XX/XXXXas the initial date. \nThere are lots of discrepancies on their website to <em>reflect</em> the balance and total."],"issue":["Trouble during <em>payment</em> process"]},"sort":[17.40888,"4126086"]},{"_index":"complaint-public-v1","_id":"3313475","_score":17.36111,"_source":{"product":"Mortgage","complaint_what_happened":"My home mortgage is with Chase Bank. Beginning about XX/XX/2018 Chase Bank began to show the date of the latest consumer payment in the top right corner of mailed statement. I like using the Chase app to schedule my payment every month on their website. I schedule the payment for the 1st ;  if it is a holiday - I scheduled it for the day prior. I schedule the Chase payment during the middle of each month for the first of the upcoming month. I have never been late at all with this mortgage. However, I just noticed the other day that, in small print on the monthly mortgage statement, it states what date they received a payment. On my statements, there are many received payment dates of the XXXX and of the XXXX. They are not posting correctly ; all were scheduled for the first of the month ; or the day prior if the first is a holiday. And, each month, it is a Chase Bank App that I schedule on. I still have all the composition books I used during the last few years. I am simply asking for the data ( of when Chase received by \" checks '' over their database ) to be corrected on my records. Instead, it reflects the date when the checks cleared the bank.","date_sent_to_company":"2019-07-22T05:51:16.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"394XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3313475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-07-22T00:27:56.000Z","state":"MS","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Beginning about XX/XX/2018 Chase Bank began to <em>show</em> the date of the latest consumer <em>payment</em> in the top right corner of mailed statement. I like using the Chase app to <em>schedule</em> my <em>payment</em> every month on their website. I <em>schedule</em> the <em>payment</em> for the 1st ;  if it is a holiday - I <em>scheduled</em> it for the day prior. I <em>schedule</em> the Chase <em>payment</em> during the middle of each month for the first of the upcoming month. I have never been late at all with this mortgage."],"issue":["Trouble during <em>payment</em> process"]},"sort":[17.36111,"3313475"]},{"_index":"complaint-public-v1","_id":"5894740","_score":17.196342,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I initiated an electronic payment which my bank indicated would arrive to my lending institution on XX/XX/XXXX. This was the date I intended the payment to arrive. My statement cut off date was XX/XX/XXXX. I wanted this payment to be applied to the XX/XX/XXXX statement. \n\nWhen I received my statement dated XX/XX/XXXX it did not reflect my payment of {$320.00} which was scheduled to arrive on XX/XX/XXXX. So I did not believe anything was amiss. \n\nOn XX/XX/XXXX I received an email from Wells Fargo which stated : \" We wanted to remind you that your payment for your WELLS FARGO XXXX XXXX ending in XXXX  is due today : XX/XX/XXXX. As of XXXX XXXX  PST, the minimum payment due has not been scheduled or received. '' I immediately called them and told them over the phone that I had sent a payment of {$320.00} and that my bank showed they had received the payment. They told me that my payment of {$320.00} was actually received on XX/XX/XXXX and had been applied to the XX/XX/XXXX statement, thereby creating a double payment for that statement and no payment for the XX/XX/XXXX statement. \n\nI told them that was incorrect and requested they needed to fix it. \n\nI was assured on the phone that they would fix this and that I would not be charged a late fee and also that my 0 % interest status would not be forfeited by this \" late payment. '' Today I received my XX/XX/XXXX credit card statement in the mail and it showed my account past due. It showed my timely payment for {$320.00} dated XX/XX/XXXX. I was charged a late payment fee of {$29.00}. \n\nWhen I print \" recent activity '' on their website it shows the last payment was received on XX/XX/XXXX. It does not show the payment I made yesterday on XX/XX/XXXX. The XX/XX/XXXX statement does not reflect the payment, but the XX/XX/XXXX statement does reflect the payment.","date_sent_to_company":"2022-08-18T16:43:27.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"5894740","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-08-18T16:04:22.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["It does not <em>show</em> the <em>payment</em> I made yesterday on XX/XX/XXXX. The XX/XX/XXXX statement does not <em>reflect</em> the <em>payment</em>, but the XX/XX/XXXX statement does <em>reflect</em> the <em>payment</em>."]},"sort":[17.196342,"5894740"]},{"_index":"complaint-public-v1","_id":"18404649","_score":16.982016,"_source":{"product":"Student loan","complaint_what_happened":"MOHELA is furnishing inaccurate and inconsistent information about my federal student loan to the credit reporting agencies. I have not been able to resolve this directly with MOHELA yet and am submitting this complaint for MOHELA to investigate and correct its reporting. My credit reports show what appears to be the same MOHELA loan being reported multiple times with conflicting account information. On XXXX, the MOHELA loan appears in multiple entries with the same account reference ending XXXX but different reported balances and scheduled payment amounts, including balance XXXX with scheduled payment XXXX, balance XXXX with scheduled payment XXXX, and balance XXXX with scheduled payment XXXX. This fragmented or duplicative reporting is inaccurate and is harming my credit. \n\nThe XXXX  payment history also shows narrative code XXXX student loan payment deferred appearing in the history while delinquency is also reflected in the reporting. Additionally, XXXX  shows months in XXXX  reported as XXXX  days past due while also listing a date of first delinquency of XXXX, which appears inconsistent. On XXXX, the same MOHELA loan is reported with a serious delinquency status including XXXX  days past due. I am requesting that MOHELA correct or delete the inaccurate reporting and ensure updates are sent to all consumer reporting agencies where MOHELA reports, including XXXX, XXXX, and XXXX. \n\nMOHELA is a furnisher of information and has duties under the Fair Credit Reporting Act to furnish accurate information and to correct inaccurate information, including 15 USC 1681s 2 ( a ). I am requesting MOHELA conduct a reasonable investigation, provide documentation supporting the accuracy of the reported balances, payment amounts, and delinquency dates, and correct or delete any information that can not be fully substantiated.","date_sent_to_company":"2026-01-01T17:11:19.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"28562","tags":null,"has_narrative":true,"complaint_id":"18404649","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2026-01-01T16:37:23.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["My credit reports <em>show</em> what appears to be the same MOHELA loan being reported multiple times with conflicting account information. On XXXX, the MOHELA loan appears in multiple entries with the same account reference ending XXXX but different reported balances and <em>scheduled</em> <em>payment</em> amounts, including balance XXXX with <em>scheduled</em> <em>payment</em> XXXX, balance XXXX with <em>scheduled</em> <em>payment</em> XXXX, and balance XXXX with <em>scheduled</em> <em>payment</em> XXXX."]},"sort":[16.982016,"18404649"]},{"_index":"complaint-public-v1","_id":"9023538","_score":16.73583,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I enrolled in a payment plan with Capital One to make payments towards my Capital One Savor Card ending in XXXX. Per the terms of the payment plan, I would be making 3 payments per the payment schedule that was given which showed my first payment due on XX/XX/XXXX. I was told that by enrolling in the plan, my account would stay in good standing. One of the disclosures states, \" If you complete this plan 's payments, this account will reflect a current status. Any returned payments after completion may result in this account reverting back to a delinquent status. '' Based on what I was told and the way the disclosures read, the account should be in current status as long as the payments are made per the schedule ; however, Capital One reported this account 30 days late. The disclosures do not indicate that your account will still be reported to the credit bureau as late which is why I enrolled. In addition, the statement and schedule provided to me from Capital One do not indicate that there was a past due amount. Capital One mislead me into thinking that my account was in good standing and that the next payment was due on XX/XX/XXXX. Even my XXXX Statement does not show a past due amount. Please have the 30 day late removed from my credit reports immediately and investigate Capital One 's practices, so that this does not happen to other consumers.","date_sent_to_company":"2024-05-16T23:05:45.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"38018","tags":null,"has_narrative":true,"complaint_id":"9023538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-05-16T22:48:12.000Z","state":"TN","company_public_response":null,"sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I enrolled in a <em>payment</em> plan with Capital One to make <em>payments</em> towards my Capital One Savor Card ending in XXXX. Per the terms of the <em>payment</em> plan, I would be making 3 <em>payments</em> per the <em>payment</em> <em>schedule</em> that was given which <em>showed</em> my first <em>payment</em> due on XX/XX/XXXX. I was told that by enrolling in the plan, my account would stay in good standing. One of the disclosures states, \" If you complete this plan 's <em>payments</em>, this account will <em>reflect</em> a current status."],"sub_issue":["You never received your bill or did not know a <em>payment</em> was due"]},"sort":[16.73583,"9023538"]},{"_index":"complaint-public-v1","_id":"12369798","_score":16.717607,"_source":{"product":"Debt or credit management","complaint_what_happened":"I am in a dept resolution program with JG Wentworth since XX/XX/XXXX. They settled with 4 creditors. Since the agreed settlement JG Wentworth made monthly payments to the creditors. 2 creditors have been paid in full. I have three payments left on the other two creditors and they would be paid in full. I was informed XX/XX/XXXX that XXXX  and XXXX  backed out of the agreed settlement indicating lacking funding. I can show JG Wentworth paid into the settlements each month with no missing payments. The only change that occurred was changing my payment schedule to reflect every other Friday vs the XXXX and XXXX in XX/XX/XXXX. The reason for the change was my employer changed our pay schedule from twice a month to every other Friday.","date_sent_to_company":"2025-03-07T18:15:38.000Z","issue":"Didn't provide services promised","sub_product":"Debt settlement","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"12369798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The J. G. Wentworth Company","date_received":"2025-03-07T17:43:46.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The only change that occurred was changing my <em>payment</em> <em>schedule</em> to <em>reflect</em> every other Friday vs the XXXX and XXXX in XX/XX/XXXX. The reason for the change was my employer changed our pay <em>schedule</em> from twice a month to every other Friday."]},"sort":[16.717607,"12369798"]},{"_index":"complaint-public-v1","_id":"4267462","_score":16.68372,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have the Apple Card by Goldman Sachs ; they appear to have double billed me for a recent payment but can not explain to me why : 1. The double payment happened in the first place ( I did not schedule it, nor does the bank account against which it was made show it ) 2. Why my account now shows in arrears if the first payment was successfully processed when that payment reflected a \" paid in full '' amount of the previous statement balance. \n\n3. Whether or not my account is considered \" in good standing '' after these errors on their system. \n\n4. What steps they will be taking to prevent similar errors in the future.","date_sent_to_company":"2021-04-02T22:39:40.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"98683","tags":null,"has_narrative":true,"complaint_id":"4267462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2021-04-02T21:16:31.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I have the Apple Card by Goldman Sachs ; they appear to have double billed me for a recent <em>payment</em> but can not explain to me why : 1. The double <em>payment</em> happened in the first place ( I did not <em>schedule</em> it, nor does the bank account against which it was made <em>show</em> it ) 2. Why my account now <em>shows</em> in arrears if the first <em>payment</em> was successfully processed when that <em>payment</em> <em>reflected</em> a \" paid in full '' amount of the previous statement balance. \n\n3."],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[16.68372,"4267462"]},{"_index":"complaint-public-v1","_id":"5703667","_score":16.628416,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I scheduled 3 payments of {$200.00}, {$200.00}, and {$80.00} to be made to my Navy Federal Cash Rewards Visa on XX/XX/XXXX. Only one payment of {$200.00} reflected as paid but my balance still showed {$490.00} on XX/XX/XXXX. Navy Federal reported to XXXX, XXXX and XXXX I had a balance of {$490.00} of my {$500.00} limit causing my credit score to plummet.","date_sent_to_company":"2022-06-23T11:04:21.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"5703667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-06-23T10:50:25.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>scheduled</em> 3 <em>payments</em> of {$200.00}, {$200.00}, and {$80.00} to be made to my Navy Federal Cash Rewards Visa on XX/XX/XXXX. Only one <em>payment</em> of {$200.00} <em>reflected</em> as paid but my balance still <em>showed</em> {$490.00} on XX/XX/XXXX. Navy Federal reported to XXXX, XXXX and XXXX I had a balance of {$490.00} of my {$500.00} limit causing my credit score to plummet."]},"sort":[16.628416,"5703667"]},{"_index":"complaint-public-v1","_id":"4700058","_score":16.416882,"_source":{"product":"Mortgage","complaint_what_happened":"My complaint is about United Wholesale Mortgage and they way they are managing my payments and how after 4hrs of phone calls on XXXX for XXXXsec. XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX forXXXX sec, XXXX for XXXX secs for a total of 4 hours and 6 minutes wasted. All these calls were recorded by me and them. Still, I can't get an accurate amortization schedule. I wanted my amortization statement to reflect my monthly payment of {$1200.00} with an additional principal payment of {$450.00} monthly and NOT having my additional principal as a monthly payment but only as additional principal. \nI've spoken to their reps each time and was transfered to their escalation dept. with no one being able to help my get an accurate amortization schedule. Then I demanded to speak with their superior, they told me they had no superior. I was told this 3 separate times on three separate calls. After I called again, I was connected to an EXECUTIVE in the escalation dept that said they had no superiors I could speak to. When I told the executive that fact they couldn't understand why they would send my demand upwards. I was sent 2 schedules and both were seriously flawed. Wrong monthly payments, wrong principal payments etc. I will attach these where you allow it in this complaint. Their website amortization schedule calculator is also seriously flawed. I was told they knew this already but haven't fixed it yet. My monthly payments are not being recorded accurately either. I pay extra additional principal payments each month. There site shows all my payments as addition principal instead of recording my monthly payment as a monthly payment and I have to call them every month to adjust the payments they recorded to reflect a monthly payment and the additional principal payments as additional principal payments that shows my payment activity is where you can see what I mean. I will include the screenshots of this site where allowed also. You will clearly see how many times they had to adjust my payment info to mirror what I was actually doing. The last entry on XXXX additional payment was a single payment of {$2900.00} yet was recorded as 2 separate payments of {$1700.00} and one for {$1200.00}. I complained about this and it has not been fixed. I find their incompetence unnerving to say the least.","date_sent_to_company":"2021-09-07T18:42:30.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"92879","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4700058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Shore Financial Services, LLC","date_received":"2021-09-07T17:39:31.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["There site <em>shows</em> all my <em>payments</em> as addition principal instead of recording my monthly <em>payment</em> as a monthly <em>payment</em> and I have to call them every month to adjust the <em>payments</em> they recorded to <em>reflect</em> a monthly <em>payment</em> and the additional principal <em>payments</em> as additional principal <em>payments</em> that <em>shows</em> my <em>payment</em> activity is where you can see what I mean. I will include the screenshots of this site where allowed also."],"issue":["Trouble during <em>payment</em> process"]},"sort":[16.416882,"4700058"]},{"_index":"complaint-public-v1","_id":"17425834","_score":16.404713,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding XXXX  handling of my federal student loan account and the accuracy of the information being reported and displayed online. \nOn XX/XX/year>, XXXX confirmed that I authorized a payment of {$400.00} to be withdrawn from my checking account ending in XXXX. The payment was scheduled for XX/XX/year> and issued confirmation number XXXX. The payment confirmation notice stated it would take XXXX business days for the changes to be reflected in my online account. \nHowever, the XXXX online portal displayed No Payment Due, but did not clearly show that my payment was processed or applied. There was no updated balance or evidence that the payment was credited to the correct loan. \nAdditionally, my Experian credit report shows a {$400.00} balance, updated XX/XX/year>, with a $ 4 monthly payment, but it conflicts with what I see in XXXX  portal. The payment history shows Current/ Terms Met, but XXXX is not providing consistent or transparent reporting about how my payment was applied. \nBecause of these discrepancies, I am disputing the accuracy and timeliness of XXXX  loan servicing and reporting practices. I am concerned that my payment has not been properly applied or reflected, and that inaccurate loan information may affect my account standing.","date_sent_to_company":"2025-11-21T14:50:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"448XX","tags":null,"has_narrative":true,"complaint_id":"17425834","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-21T14:50:34.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/year>, XXXX confirmed that I authorized a <em>payment</em> of {$400.00} to be withdrawn from my checking account ending in XXXX. The <em>payment</em> was <em>scheduled</em> for XX/XX/year> and issued confirmation number XXXX. The <em>payment</em> confirmation notice stated it would take XXXX business days for the changes to be <em>reflected</em> in my online account. \nHowever, the XXXX online portal displayed No <em>Payment</em> Due, but did not clearly <em>show</em> that my <em>payment</em> was processed or applied."]},"sort":[16.404713,"17425834"]},{"_index":"complaint-public-v1","_id":"16212854","_score":16.317095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX my XXXX XXXX XXXX auto installment account ( tradeline beginning XXXX ) was paid/closed with a {$26000.00} payoff ; TU shows Payment received {$26000.00}, Last Payment XX/XX/XXXX, and Pay Status Paid, Closed ; was Paid as agreed. Yet the month grid immediately before closure shows consecutive 30-day lates for XXXX XXXX while the same rows display XXXX Balance/Past Due/Amount Paid/Scheduled Payment. There are additional gaps in XXXX with No Data but sporadic 30, and the Terms field reads {$0.00} per month for 72 months, which is impossible for an installment loan. These contradictions violate FCRA 1681e ( b ) s maximum-accuracy standard and Metro 2 consistency ( Payment History must align with Past Due/Actual/Scheduled ; proper installment fields must be used ). I ask TU to remove the unsupported XXXX XXXX XXXX codes, correct Terms/field mapping, and ensure the line reflects Paid/Closed {$0.00} ; if XXXX can not substantiate each field, delete the tradeline.","date_sent_to_company":"2025-09-26T23:18:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60156","tags":null,"has_narrative":true,"complaint_id":"16212854","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-26T23:05:26.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX my XXXX XXXX XXXX auto installment account ( tradeline beginning XXXX ) was paid/closed with a {$26000.00} payoff ; TU <em>shows</em> <em>Payment</em> received {$26000.00}, Last <em>Payment</em> XX/XX/XXXX, and Pay Status Paid, Closed ; was Paid as agreed. Yet the month grid immediately before closure <em>shows</em> consecutive 30-day lates for XXXX XXXX while the same rows display XXXX Balance/Past Due/Amount Paid/<em>Scheduled</em> <em>Payment</em>."]},"sort":[16.317095,"16212854"]},{"_index":"complaint-public-v1","_id":"16212848","_score":16.317095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX my XXXX XXXX XXXX auto installment account ( tradeline beginning XXXX ) was paid/closed with a {$26000.00} payoff ; TU shows Payment received {$26000.00}, Last Payment XX/XX/XXXX, and Pay Status Paid, Closed ; was Paid as agreed. Yet the month grid immediately before closure shows consecutive 30-day lates for XXXX XXXX while the same rows display XXXX Balance/Past Due/Amount Paid/Scheduled Payment. There are additional gaps in XXXX with No Data but sporadic 30, and the Terms field reads {$0.00} per month for 72 months, which is impossible for an installment loan. These contradictions violate FCRA 1681e ( b ) s maximum-accuracy standard and Metro 2 consistency ( Payment History must align with Past Due/Actual/Scheduled ; proper installment fields must be used ). I ask TU to remove the unsupported XXXX XXXX XXXX codes, correct Terms/field mapping, and ensure the line reflects Paid/Closed {$0.00} ; if XXXX can not substantiate each field, delete the tradeline.","date_sent_to_company":"2025-09-26T23:18:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60156","tags":null,"has_narrative":true,"complaint_id":"16212848","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-26T23:18:20.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX my XXXX XXXX XXXX auto installment account ( tradeline beginning XXXX ) was paid/closed with a {$26000.00} payoff ; TU <em>shows</em> <em>Payment</em> received {$26000.00}, Last <em>Payment</em> XX/XX/XXXX, and Pay Status Paid, Closed ; was Paid as agreed. Yet the month grid immediately before closure <em>shows</em> consecutive 30-day lates for XXXX XXXX while the same rows display XXXX Balance/Past Due/Amount Paid/<em>Scheduled</em> <em>Payment</em>."]},"sort":[16.317095,"16212848"]},{"_index":"complaint-public-v1","_id":"11367194","_score":16.271404,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX, I paid Mohela - Payment Confirmation # : XXXX - Amount : {$2000.00} - Scheduled For : XX/XX/XXXX I received an email with the details above as confirmation. However, that payment has not been reflected in my account information. A subsequent payment on XX/XX/XXXX was processed and displayed with no problem, which leads me to believe it is an issue with MOHELA transferring systems. \n\nI called their customer service on XX/XX/XXXX, and after an hour and a half, I was told that the issue would be escalated and that the payment would be found. I attached screenshots of the email and my bank record that showed that this money was withdrawn from my account. I'd like to see MOHELA take action and reflect this payment, prorated to the time I sent it in.","date_sent_to_company":"2025-01-03T22:11:07.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"11367194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-01-03T21:52:39.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I paid Mohela - <em>Payment</em> Confirmation # : XXXX - Amount : {$2000.00} - <em>Scheduled</em> For : XX/XX/XXXX I received an email with the details above as confirmation. However, that <em>payment</em> has not been <em>reflected</em> in my account information. A subsequent <em>payment</em> on XX/XX/XXXX was processed and displayed with no problem, which leads me to believe it is an issue with MOHELA transferring systems."]},"sort":[16.271404,"11367194"]},{"_index":"complaint-public-v1","_id":"18238832","_score":16.171133,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was enrolled in automatic payments ( autopay ) for my loan and had sufficient funds available in my bank account at all times. As shown in the attached screenshots, multiple automatic payments were scheduled and processed previously without issues. \n\nOn or around XX/XX/XXXX, the lenders platform removed my autopay enrollment without my authorization or prior notice. As a result, the scheduled payments were not successfully processed, and the account was later marked as charged off in the amount of {$100.00}. \n\nDespite this, the payment history shows that automatic payments continued to appear as scheduled, including payments of approximately {$32.00}, and previous loans were fully paid off on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), demonstrating a consistent history of repayment. \n\nI did not refuse to pay and did not intentionally miss any payments. The missed payments and subsequent delinquency reporting occurred solely due to the lenders internal system or platform issue related to autopay removal. \n\nThe lender then reported three delinquency marks to the credit bureaus, which do not accurately reflect my payment behavior and have negatively impacted my credit. I am attaching screenshots of my loan history and payment records to support this complaint.\n\nI am requesting that this issue be investigated and that the inaccurate delinquency and charge-off reporting be corrected or removed.","date_sent_to_company":"2025-12-23T04:59:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"18238832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-23T04:59:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As a result, the <em>scheduled</em> <em>payments</em> were not successfully processed, and the account was later marked as charged off in the amount of {$100.00}. \n\nDespite this, the <em>payment</em> history <em>shows</em> that automatic <em>payments</em> continued to appear as <em>scheduled</em>, including <em>payments</em> of approximately {$32.00}, and previous loans were fully paid off on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), demonstrating a consistent history of repayment."]},"sort":[16.171133,"18238832"]},{"_index":"complaint-public-v1","_id":"18238829","_score":16.171133,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was enrolled in automatic payments ( autopay ) for my loan and had sufficient funds available in my bank account at all times. As shown in the attached screenshots, multiple automatic payments were scheduled and processed previously without issues. \n\nOn or around XX/XX/XXXX, the lenders platform removed my autopay enrollment without my authorization or prior notice. As a result, the scheduled payments were not successfully processed, and the account was later marked as charged off in the amount of {$100.00}. \n\nDespite this, the payment history shows that automatic payments continued to appear as scheduled, including payments of approximately {$32.00}, and previous loans were fully paid off on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), demonstrating a consistent history of repayment. \n\nI did not refuse to pay and did not intentionally miss any payments. The missed payments and subsequent delinquency reporting occurred solely due to the lenders internal system or platform issue related to autopay removal. \n\nThe lender then reported three delinquency marks to the credit bureaus, which do not accurately reflect my payment behavior and have negatively impacted my credit. I am attaching screenshots of my loan history and payment records to support this complaint.\n\nI am requesting that this issue be investigated and that the inaccurate delinquency and charge-off reporting be corrected or removed.","date_sent_to_company":"2025-12-23T04:59:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"18238829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-23T04:50:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As a result, the <em>scheduled</em> <em>payments</em> were not successfully processed, and the account was later marked as charged off in the amount of {$100.00}. \n\nDespite this, the <em>payment</em> history <em>shows</em> that automatic <em>payments</em> continued to appear as <em>scheduled</em>, including <em>payments</em> of approximately {$32.00}, and previous loans were fully paid off on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), demonstrating a consistent history of repayment."]},"sort":[16.171133,"18238829"]},{"_index":"complaint-public-v1","_id":"20100711","_score":16.149551,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage is with Dime Community Bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX sold my mortgage to Dime. When I have the opportunity, I make payments to principal trying to pay off the loan sooner. Once I make the payment to principal, I request a current/updated amortization schedule. The website does not have the option to request it, the app has some tools that shows the changes with reducing time ( payments ) but the tools do not generate a document to print. I called customer service in XX/XX/XXXX after I made a payment to principal requesting an updated amortization schedule reflecting the payment, they told me it will take 3 days to be generated and XXXX business days to mail it out. I received the document in XXXX after calling several times, but it was not an updated amortization schedule. I made another payment in XX/XX/XXXX, and I called again requesting the document, after a couple of weeks of not receiving it, I talked to the supervisor, and he told me they will charge me {$15.00} for the document, i agreed to the fee and still i did not received it, i called again on XXXX and today, not sent yet.","date_sent_to_company":"2026-03-09T18:52:48.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"11706","tags":null,"has_narrative":true,"complaint_id":"20100711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DIME COMMUNITY BANCSHARES, INC.","date_received":"2026-03-09T18:19:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I called customer service in XX/XX/XXXX after I made a <em>payment</em> to principal requesting an updated amortization <em>schedule</em> <em>reflecting</em> the <em>payment</em>, they told me it will take 3 days to be generated and XXXX business days to mail it out. I received the document in XXXX after calling several times, but it was not an updated amortization <em>schedule</em>."],"issue":["Trouble during <em>payment</em> process"]},"sort":[16.149551,"20100711"]},{"_index":"complaint-public-v1","_id":"18238831","_score":16.123306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was enrolled in automatic payments ( autopay ) for my loan and had sufficient funds available in my bank account at all times. As shown in the attached screenshots, multiple automatic payments were scheduled and processed previously without issues. \n\nOn or around XX/XX/XXXX, the lenders platform removed my autopay enrollment without my authorization or prior notice. As a result, the scheduled payments were not successfully processed, and the account was later marked as charged off in the amount of {$100.00}. \n\nDespite this, the payment history shows that automatic payments continued to appear as scheduled, including payments of approximately {$32.00}, and previous loans were fully paid off on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), demonstrating a consistent history of repayment. \n\nI did not refuse to pay and did not intentionally miss any payments. The missed payments and subsequent delinquency reporting occurred solely due to the lenders internal system or platform issue related to autopay removal. \n\nThe lender then reported three delinquency marks to the credit bureaus, which do not accurately reflect my payment behavior and have negatively impacted my credit. I am attaching screenshots of my loan history and payment records to support this complaint.\n\nI am requesting that this issue be investigated and that the inaccurate delinquency and charge-off reporting be corrected or removed.","date_sent_to_company":"2025-12-23T04:59:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"18238831","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-23T04:59:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As a result, the <em>scheduled</em> <em>payments</em> were not successfully processed, and the account was later marked as charged off in the amount 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