{"took":1154,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":667260,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17214119","_score":16.198511,"_source":{"product":"Student loan","complaint_what_happened":"Category : Student Loan Private Student Loans I am requesting an investigation and review of my private student loans originated at XXXX XXXX XXXX and by XXXX XXXX XXXX XXXX ( now by MOHELA ). \n\nI have XXXX private student loans from XXXX XXXX XXXX. \n\nLoan XXXX Disbursed XX/XX/XXXX, Original Principal {$4600.00}, Current Balance {$4100.00}, Interest Rate XXXX XXXX identified as an XXXX Risk-Sharing Loan. XXXX paid : {$12000.00} ( {$4500.00} principal, {$8100.00} interest, {$13.00} fees ). This loan was originally owned by XXXX XXXX XXXX XXXX and is now serviced by MOHELA. \n\nLoan XXXX Disbursed XX/XX/XXXX, Original Principal {$4700.00}, Current Balance {$7500.00}, Interest Rate XXXX XXXX, owned by XXXX XXXX XXXX XXXX and now serviced by MOHELA. XXXX paid : {$22000.00} ( {$5300.00} principal, {$17000.00} interest, {$24.00} fees ). \n\nBoth loans were part of ITTs private lending programs later found to be fraudulent. XXXX misrepresented job placement rates, program value, and pressured students into private loans under the XXXX / XXXX XXXX programs, many of which were XXXX under state and federal settlements. \n\nDespite this, MOHELA continues to collect on these loans. I am requesting a review of both loans for discharge or cancellation based on ITTs fraudulent lending practices, the Risk-Sharing/Temporary Credit programs, and prior settlements, and I am requesting documentation proving that either loan was not part of ITTs fraudulent programs. \n\nThank you, XXXX XXXX XXXX","date_sent_to_company":"2025-11-14T01:47:35.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"49507","tags":null,"has_narrative":true,"complaint_id":"17214119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-11-14T01:21:44.000Z","state":"MI","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["Category : Student <em>Loan</em> Private Student <em>Loans</em> I am requesting an investigation and review of my private student <em>loans</em> originated at XXXX XXXX XXXX and by XXXX XXXX XXXX XXXX ( now by MOHELA ). \n\nI have XXXX private student <em>loans</em> from XXXX XXXX XXXX. \n\n<em>Loan</em> XXXX Disbursed XX/XX/XXXX, Original Principal {$4600.00}, Current Balance {$4100.00}, Interest Rate XXXX XXXX identified as an XXXX <em>Risk-Sharing</em> <em>Loan</em>. XXXX paid : {$12000.00} ( {$4500.00} principal, {$8100.00} interest, {$13.00} fees )."],"product":["Student <em>loan</em>"],"sub_product":["Private student <em>loan</em>"],"sub_issue":["Need information about your <em>loan</em> balance or <em>loan</em> terms"]},"sort":[16.198511,"17214119"]},{"_index":"complaint-public-v1","_id":"6843227","_score":15.971266,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX i added XXXX dollars from my bank to my coinbase account. The account already has a balance of XXXX dollars that had already been in the account and confirmed. The only outstanding and pending transaction is the XXXX dollars. Their system indicated thatni have XXXX available for withdrawal trades and send. But i can not access my funds as coin base put a hold on the entire accounts until XXXX dollars is cleared. \n\nSpoke with multiple agents from coinbase and the answer is the same. If that XXXX dollars isnt clear i wont be able to access any lf my already confirmed XXXX dollars affectively holding it with zero interest for two weeks. The representative indicated that is the case. Even if the added money is XXXX dollar they still hold all available balances before it clears. \n\nIf they do this to all their customers, they wouldve have billions or millions dollars loans for XXXX weeks without paying any fees or interest... they would gained millions by doing just this alone. Normally other platform will also hold funds until it clears. But the amount is the same as the pending. For example in my case they would hold XXXX off of my balance but i can use the rest as it is my own money. \n\nCoinbase account is the same as my email provided. I can provide screen shots and their calls are recorded. It appears either they are delaying or stealing funds for their own gains as it does not make any logical sense. 2 weeks of billions at zero interest means 50 millions at 5 % interest that they gained unjustly from doing this to their customers. \n\n\nXXXX XXXX","date_sent_to_company":"2023-04-15T05:31:04.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"92683","tags":null,"has_narrative":true,"complaint_id":"6843227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2023-04-15T05:16:27.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If they do this to all their customers, they wouldve have billions or <em>millions</em> dollars <em>loans</em> for XXXX weeks without paying any fees or interest... they would gained <em>millions</em> by doing just this alone. Normally other platform will also hold <em>funds</em> until it clears. But the amount is the same as the pending. For example in my case they would hold XXXX off of my balance but i can use the rest as it is my own money. \n\nCoinbase account is the same as my email provided."]},"sort":[15.971266,"6843227"]},{"_index":"complaint-public-v1","_id":"18042997","_score":15.640412,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I took out this loan for my car title the year of 2020, it was during COVID XXXX, I was unable to work due to the Pandemic. I thought my car was stolen, but it was repossessed by Title max. Also I was charged twice the maximum interest rate that is allowed by law. Also Title Max was fined 10 million dollars for violating consumer rights and the rights of military families. They are still going after my funds.","date_sent_to_company":"2025-12-15T16:40:25.000Z","issue":"Vehicle was repossessed or sold the vehicle","sub_product":"Title loan","zip_code":"53095","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"18042997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2025-12-15T16:17:15.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I took out this <em>loan</em> for my car title the year of 2020, it was during COVID XXXX, I was unable to work due to the Pandemic. I thought my car was stolen, but it was repossessed by Title max. Also I was charged twice the maximum interest rate that is allowed by law. Also Title Max was fined 10 <em>million</em> dollars for violating consumer rights and the rights of military families. They are still going after my <em>funds</em>."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"sub_product":["Title <em>loan</em>"]},"sort":[15.640412,"18042997"]},{"_index":"complaint-public-v1","_id":"11640505","_score":15.496708,"_source":{"product":"Checking or savings account","complaint_what_happened":"Direct deposits have not been processed through the bank is withholding millions of funds and direct deposits across millions of customers has not given an ETA on resolution refuses to address any concerns regarding the missing money","date_sent_to_company":"2025-01-18T15:16:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"11640505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-18T15:10:37.000Z","state":"NV","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Direct deposits have not been processed through the bank is withholding <em>millions</em> of <em>funds</em> and direct deposits across <em>millions</em> of customers has not given an ETA on resolution refuses to address any concerns regarding the missing money"]},"sort":[15.496708,"11640505"]},{"_index":"complaint-public-v1","_id":"1695774","_score":15.08609,"_source":{"product":"Mortgage","complaint_what_happened":"I requested and received a mortgage payoff statement from Merrill Lynch. The instructions on the payoff letter noted payment could be made by cashier 's check or wire transfer from a bank. My bank ( Bank of America, which owns Merrill Lynch ) allows me to make wire transfers directly, using Bank of America 's website -- I am attaching the online wire transfer form I used, for reference. I transferred the full loan repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those funds for 13 days and then reversed the transfer, returning the funds to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the loan payoff funds and their returning those funds, Merrill Lynch charged me an additional month 's interest. \nI spoke with a representative of Merrill Lynch 's mortgage division and also with her supervisor ( XXXX XXXX, who is based in the Merrill Lynch 's home branch in New Jersey ) and they could n't explain why my loan payment was reversed except to say that the \" wire transfer '' mechanism indicated in the payoff letter was different from the \" wire transfer '' mechanism ( so-called by Bank of America ) that I used. Merrill Lynch is part of the Bank of America Corporation. From a consumer perspective, I have no way of distinguishing why XXXX divisions of my own bank would define \" wire transfer '' differently -- nor can I understand why I would be expected to distinguish between their evidently disparate uses of this term. Ultimately, I paid off my loan according to the instructions in the payoff letter and now I 'm being charged an additional 6 weeks of interest for no reason.","date_sent_to_company":"2015-12-23T15:15:40.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Other mortgage","zip_code":"94102","tags":null,"has_narrative":true,"complaint_id":"1695774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PHH Mortgage Services Corporation","date_received":"2015-12-14T19:31:54.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I transferred the full <em>loan</em> repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those <em>funds</em> for 13 days and then reversed the transfer, returning the <em>funds</em> to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the <em>loan</em> payoff <em>funds</em> and their returning those <em>funds</em>, Merrill Lynch charged me an additional month 's interest."],"issue":["<em>Loan</em> servicing, payments, escrow account"]},"sort":[15.08609,"1695774"]},{"_index":"complaint-public-v1","_id":"4646774","_score":14.949363,"_source":{"product":"Checking or savings account","complaint_what_happened":"WHEN THE PAMDEMIC STARTED JUST LIKE MILLIONS OF PEOPLE IN THIS COUNTRY I WAS AFFECTED FINANCIALLY LUCKILY THE PPP LOAN WAS INTRODUCED AND I GOT APPROVED THE FUNDS WERE DEPOSITED TO ME IN XXXX CAPITAL ONE TOOK IT UPON THEMSELVES TO FREEZE MY FUNDS AND ALSO CLOSE MY ACCOUNT I SUBMOITTED EVERY DOCUMENT THEY HAVE ASKED ME TO PROVE I QUALIFY FOR THE PPP LOAN TILL THIS DAY I HAVE NOT BEEN NOTIFIED OF THE INVESTIGATION RESULTS I REACHED OUT TO THE SBA THEY TOLD ME THEY HAVE NOTHING TO DO WITH THE INVESTIGATION AND THAT I AM STILL RESPONSIBLE FOR PAYING BACK THE LOAN. MY BUSINESS IS HOW I FEED MY FAMILY I CANT OPERATE MY BUSINESS MY KIDS AND I ARE BARELY SURVIVING I DONT KNOW WHY CAPITAL ONE IS DOIN THSI TO ME I DEFINITELY PLAN ON CONSULTIN WITH AN ATTORNEY TO SUE YOU HAVE NO IDEA HOW MUCH OF AN INCONVENIENCE THIS HAS CAUSED ME WE ARE ABOUT TO BE HOMELESS I HAVE CRIED EVERY NIGHT NOW I AM EXPERIENCING XXXX XXXX","date_sent_to_company":"2021-08-19T04:53:01.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"4646774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-08-19T04:37:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["WHEN THE PAMDEMIC STARTED JUST LIKE <em>MILLIONS</em> OF PEOPLE IN THIS COUNTRY I WAS AFFECTED FINANCIALLY LUCKILY THE PPP <em>LOAN</em> WAS INTRODUCED AND I GOT APPROVED THE <em>FUNDS</em> WERE DEPOSITED TO ME IN XXXX CAPITAL ONE TOOK IT UPON THEMSELVES TO FREEZE MY <em>FUNDS</em> AND ALSO CLOSE MY ACCOUNT I SUBMOITTED EVERY DOCUMENT THEY HAVE ASKED ME TO PROVE I QUALIFY FOR THE PPP <em>LOAN</em> TILL THIS DAY I HAVE NOT BEEN NOTIFIED OF THE INVESTIGATION RESULTS I REACHED OUT TO THE SBA THEY TOLD ME THEY HAVE NOTHING TO DO WITH THE INVESTIGATION"],"sub_issue":["<em>Funds</em> not handled or disbursed as instructed"]},"sort":[14.949363,"4646774"]},{"_index":"complaint-public-v1","_id":"7831033","_score":14.838511,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. \n\nAlso, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. \n\nI pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. \n\nI really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-11-09T15:38:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"81504","tags":"Servicemember","has_narrative":true,"complaint_id":"7831033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-09T15:38:35.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to <em>millions</em> of Americans who do pay their bills on time. In the end, those low scores cost Americans <em>millions</em> due to higher interest they pay for any <em>loans</em>. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '."]},"sort":[14.838511,"7831033"]},{"_index":"complaint-public-v1","_id":"7826546","_score":14.838511,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX. I retired from the XXXX at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. \n\nAlso, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. \n\nI pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. \n\nI really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-11-09T15:38:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"81504","tags":"Servicemember","has_narrative":true,"complaint_id":"7826546","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-09T15:20:52.000Z","state":"CO","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to <em>millions</em> of Americans who do pay their bills on time. In the end, those low scores cost Americans <em>millions</em> due to higher interest they pay for any <em>loans</em>. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '."]},"sort":[14.838511,"7826546"]},{"_index":"complaint-public-v1","_id":"2695843","_score":14.81529,"_source":{"product":"Checking or savings account","complaint_what_happened":"My last XXXX banks someone has been able to steal all my money and use it to reroute my mail steal funds by overdraft bill pay and inflated utility bills also has stolen my identity to get a home loan car loan credit card line of equity and formed an LLC fleet trucking co and modify my credit reports bank statements ect. All made possible by network monitoring and hacking my network and all my devices this has also been done to my mom who died in XXXX {$25000.00} stole lawsuits filtering it through the LLC with a tax ID totaling in the millions and taxes claimed also","date_sent_to_company":"2017-10-07T16:38:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"2695843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-10-07T16:09:36.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["My last XXXX banks someone has been able to steal all my money and use it to reroute my mail steal <em>funds</em> by overdraft bill pay and inflated utility bills also has stolen my identity to get a home <em>loan</em> car <em>loan</em> credit card line of equity and formed an LLC fleet trucking co and modify my credit reports bank statements ect."]},"sort":[14.81529,"2695843"]},{"_index":"complaint-public-v1","_id":"7831034","_score":14.792571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. \n\nAlso, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score.\n\nI pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. \n\nI really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-11-09T15:38:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"81504","tags":"Servicemember","has_narrative":true,"complaint_id":"7831034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-09T15:38:35.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to <em>millions</em> of Americans who do pay their bills on time. In the end, those low scores cost Americans <em>millions</em> due to higher interest they pay for any <em>loans</em>. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '."]},"sort":[14.792571,"7831034"]},{"_index":"complaint-public-v1","_id":"11354973","_score":14.752243,"_source":{"product":"Student loan","complaint_what_happened":"On XX/XX/XXXX, Mohela sent me correspondence - warning that interest continued to accrue and capitalize on my accounts despite being in administrative forbearance ( can be supplemented upon request ). All of my loans are currently covered under the SAVE repayment plan.\n\nAccording to Mohela, I owed {$890.00} in interest that had accrued over the past several months. I immediately issued specified payments on each of my loans to resolve the outstanding interest.\n\nThereafter, I consulted with a financial advisor/attorney, who advised me that Mohela had improperly claimed interest existed, when it in fact, did not.\n\nMohela appears to have allocated the funds to each of my principal balances respectively, however, Mohela also continues to report the funds paid were specifically applied to \" interest ''.\n\nAs Mohela has done nothing but lie and misrepresent issues surrounding my ( and millions of other ) student loans, I am contacting the CFPB to report this event, and to otherwise request clarity as to whether funds paid to Mohela on XX/XX/XXXX should or should not be present/accounted for on my annual taxes, specifically the 1098-e form.\n\nRespectfully, - <redacted>","date_sent_to_company":"2025-01-02T18:18:24.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"02906","tags":null,"has_narrative":true,"complaint_id":"11354973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-01-02T18:01:37.000Z","state":"RI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["As Mohela has done nothing but lie and misrepresent issues surrounding my ( and <em>millions</em> of other ) student <em>loans</em>, I am contacting the CFPB to report this event, and to otherwise request clarity as to whether <em>funds</em> paid to Mohela on XX/XX/XXXX should or should not be present/accounted for on my annual taxes, specifically the 1098-e form.\n\nRespectfully, - <redacted>"],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"],"sub_issue":["Received bad information about your <em>loan</em>"]},"sort":[14.752243,"11354973"]},{"_index":"complaint-public-v1","_id":"17816440","_score":14.657355,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"KIAVI XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, Pennsylvania XXXX Phone XXXX KIAVI is listed as a service provider for Loons. However, this company is engaging in blatant exploitation due to a lack of oversight. \n\nFor example, they gave me a loan with an extremely high interest rate for designs, even exceeding 7 % annually, meaning over 12.99 %. In addition, they provided a loan for repairing two houses, but I did not use the money from this loan. Nevertheless, they are charging interest on these funds, contributing to financial hardship and violating all regulations and laws, including those of the bank, causing me damages exceeding half a million dollars.\n\nTherefore, I am filing this complaint against this organization and requesting that this practice be stopped. I am also concerned about their disregard for all instructions, laws, and regulations pertaining to real estate.","date_sent_to_company":"2025-12-08T01:31:09.000Z","issue":"Struggling to pay your loan","sub_product":"Personal line of credit","zip_code":"10065","tags":null,"has_narrative":true,"complaint_id":"17816440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kiavi, Inc.","date_received":"2025-12-08T01:26:13.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["For example, they gave me a <em>loan</em> with an extremely high interest rate for designs, even exceeding 7 % annually, meaning over 12.99 %. In addition, they provided a <em>loan</em> for repairing two houses, but I did not use the money from this <em>loan</em>. Nevertheless, they are charging interest on these <em>funds</em>, contributing to financial hardship and violating all regulations and laws, including those of the bank, causing me damages exceeding half a <em>million</em> dollars."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"issue":["Struggling to pay your <em>loan</em>"]},"sort":[14.657355,"17816440"]},{"_index":"complaint-public-v1","_id":"3616802","_score":14.552036,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am complaining about Bank of America EDD program. They are forcing users to pay large fees during pandemic and unemployed people are suffering. I applied for unemployment the week of XX/XX/XXXX. The EDD department never sent me my bank of america card. I had to call and request it be mailed. It is XX/XX/XXXX and still no card. There site won't let me access my funds from EDD without the card. It claims once I have the card, I won't be able to transfer the funds to my normal bank, XXXX XXXX without paying a {$15.00} fee for each electronic transfer. That seems excessive to charge {$15.00} while everyone is using electronic banking rather than in person banking during the pandemic, especially, to charge that for unemployed people who would regularly never use their bank. I do not have a car either, so I can not safely go withdraw the money from their bank in person. I have to transfer the money to my XXXX XXXX account so I can use the funds to write a check with my check book to pay my XXXX rent which is 21 days late. Currently, they won't let me access my funds at all because the Bank of America card has not come in the mail at all. Bank of America should not charge unemployed people fees for money transfer during the pandemic. If 6.6 million unemployed Californians each have to pay {$15.00} to have their unemployment money deposited into their normal bank account, Bank of America will have charged 6.6 million times {$15.00} ( 6.6 mil people x {$15.00} XXXX. This is {$99.00} million dollars in {$15.00} transfer fees. This {$15.00} is charged each time the user makes the transfer, thus since EDD funds are distributed monthly. The Bank of America could take {$99.00} million dollars of EDD unemployment funds from Californians each month of the pandemic, while electronic transfers are the safest option for our health.","date_sent_to_company":"2020-04-21T17:23:19.000Z","issue":"Unexpected or other fees","sub_product":"Domestic (US) money transfer","zip_code":"915XX","tags":null,"has_narrative":true,"complaint_id":"3616802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-04-21T17:01:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The Bank of America could take {$99.00} <em>million</em> dollars of EDD unemployment <em>funds</em> from Californians each month of the pandemic, while electronic transfers are the safest option for our health."]},"sort":[14.552036,"3616802"]},{"_index":"complaint-public-v1","_id":"5960416","_score":14.495186,"_source":{"product":"Student loan","complaint_what_happened":"I made two payments for my student loans with Ed Financial on XX/XX/2022 and XX/XX/2022, each for {$1000.00}. After reviewing my payment history recently, I saw some of the funds from each payment had been applied to the wrong loan group. It took me several weeks just to get in contact with someone from this company, and when I finally did, I was able to have a request submitted to fix the issue. The customer service rep quoted me 3-5 business days to resolve the issue. I then call back after that amount of time to confirm they were still fixing it, only to be quoted 150 business days. The rep said that due to a system error on their part back in XXXX, they incorrectly applied funds to a lot of people 's accounts and are now having to fix it, thus the long wait time. An error on such a scale is cause for a reevaluation of how this company is working internally. Especially when this literally is a misplacement of millions or even billions of dollars.","date_sent_to_company":"2022-09-08T14:55:04.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"281XX","tags":null,"has_narrative":true,"complaint_id":"5960416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2022-09-08T14:31:06.000Z","state":"NC","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I made two payments for my student <em>loans</em> with Ed Financial on XX/XX/2022 and XX/XX/2022, each for {$1000.00}. After reviewing my payment history recently, I saw some of the <em>funds</em> from each payment had been applied to the wrong <em>loan</em> group. It took me several weeks just to get in contact with someone from this company, and when I finally did, I was able to have a request submitted to fix the issue. The customer service rep quoted me 3-5 business days to resolve the issue."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"]},"sort":[14.495186,"5960416"]},{"_index":"complaint-public-v1","_id":"3616253","_score":14.495186,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"unfairactions against me as a small businessesseeking government-sponsored coronavirus relief. It concealed from the public that it was reshuffling the PPP applications it received and prioritizing the applications that would make the bank the most money. I was one of the first people to apply with pnc as soon as they released the PPP application online. I applied on the XXXX XXXX, yet I was not able to receive funds because they did not process my application at the time of receipt. Instead they waited ten days to contact me saying I was missing initials and signatures. I immediately corrected and resubmitted the application. Again, they delayed before letting me know they needed more information. It took them ten days from date of receipt to even check my application. Yet, the loans were supposed to be given on a first come basis. They repeatedly asked for the same information that was given to them. And there are correspondences with dates and time to prove that. Small businesses were supposed to get this loan. Yet some how multi million publicly traded. Companies received a majority of the funds.","date_sent_to_company":"2020-04-21T21:44:50.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"22315","tags":null,"has_narrative":true,"complaint_id":"3616253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2020-04-21T21:29:54.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Small businesses were supposed to get this <em>loan</em>. Yet some how multi <em>million</em> publicly traded. Companies received a majority of the <em>funds</em>."],"product":["Payday <em>loan</em>, title <em>loan</em>, or personal <em>loan</em>"],"issue":["Getting the <em>loan</em>"],"sub_product":["Installment <em>loan</em>"]},"sort":[14.495186,"3616253"]},{"_index":"complaint-public-v1","_id":"7150797","_score":14.407238,"_source":{"product":"Student loan","complaint_what_happened":"I previously reported problems with XXXX Bank and XXXX XXXX regarding XXXX : XXXX. I made the report in XXXX. I told them I was making a complaint. And they mis-applied the funds, yet again, this month. There are XXXX loans. They apply payments to pre-pay 2 loans ( now paid up to XXXX ), but don't apply any funds to the 3rd loan, now marked overdue and subject to a penalty. Amazing! I put the correct loan # XXXX on the check, but I assume it is all automated with out-dated equipment. \n\nFurther, XXXX bank has previously been fined by the consumer financial protection board ( CFPB ) ( $ millions! ) for failing to properly respond to customer complaints. They won't \" talk '' to me, because the loan is in my wife and daughter 's name, but more importantly, they won't listen despite numerous complaints, from me, from my wife, from my daughter, by phone and by electronic mail. \n\nI defer to CFPB as to whether to publish or not. It seems contemptible for XXXX XXXX to continue to disregard customer complaints despite the prior sanctions. And we made numerous complaints to the bank and XXXX XXXX, for months before, before filing a complaint with the CFPB. I assume my complaints are not unique. Thank you. \nXXXX XXXX. XXXX. XXXX XXXX","date_sent_to_company":"2023-06-21T15:55:18.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"068XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7150797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-06-21T15:40:38.000Z","state":"CT","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["And they mis-applied the <em>funds</em>, yet again, this month. There are XXXX <em>loans</em>. They apply payments to pre-pay 2 <em>loans</em> ( now paid up to XXXX ), but don't apply any <em>funds</em> to the 3rd <em>loan</em>, now marked overdue and subject to a penalty. Amazing! I put the correct <em>loan</em> # XXXX on the check, but I assume it is all automated with out-dated equipment. \n\nFurther, XXXX bank has previously been fined by the consumer financial protection board ( CFPB ) ( $ <em>millions</em>!"],"product":["Student <em>loan</em>"],"sub_product":["Private student <em>loan</em>"]},"sort":[14.407238,"7150797"]},{"_index":"complaint-public-v1","_id":"2665766","_score":14.370043,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax compromised 143 million US consumers data. I went to check if I was one of them and to sign up for their protection services. Since I was indeed one of the 143 million. I did not realize that by accepting their terms of service I was opting out of possible class action suit against Equifax, See : XXXX XXXX XXXX \" ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. '' How was I supposed to know that was written in, I was concerned about personal information being compromised and in a state of panic. I swiftly tried to do the right thing by following what Equifax recommended, and in doing so unknowingly gave up my small and seemingly only right to arbitration.","date_sent_to_company":"2017-09-08T12:30:24.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"147XX","tags":null,"has_narrative":true,"complaint_id":"2665766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T12:09:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Equifax compromised 143 <em>million</em> US consumers data. I went to check if I was one of them and to sign up for their protection services. Since I was indeed one of the 143 <em>million</em>. I did not realize that by accepting their terms of service I was opting out of possible class action suit against Equifax, See : XXXX XXXX XXXX \" ARBITRATION."]},"sort":[14.370043,"2665766"]},{"_index":"complaint-public-v1","_id":"6098192","_score":14.363433,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services as well as XXXX XXXX won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.","date_sent_to_company":"2022-10-19T00:37:23.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"6098192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2022-10-19T00:12:44.000Z","state":"TN","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am a small business owner who was affected by the pandemic just like <em>millions</em> of other hard-working individuals and I was awarded two disaster relief <em>loans</em>."]},"sort":[14.363433,"6098192"]},{"_index":"complaint-public-v1","_id":"6097927","_score":14.363433,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXXXXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXXXXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.","date_sent_to_company":"2022-10-19T00:40:33.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"6097927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2022-10-19T00:38:15.000Z","state":"TN","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["I am a small business owner who was affected by the pandemic just like <em>millions</em> of other hard-working individuals and I was awarded two disaster relief <em>loans</em>. XXXX XXXX XXXXXXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the <em>funds</em> fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services won't allow me to dispute what they have done to remove the erroneous charge-off."]},"sort":[14.363433,"6097927"]},{"_index":"complaint-public-v1","_id":"3926380","_score":14.312846,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} million to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} million in loan forgiveness, and Santander will also pay up to {$2.00} million for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} million to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} million in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.","date_sent_to_company":"2020-10-29T13:34:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30144","tags":null,"has_narrative":true,"complaint_id":"3926380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2020-10-29T13:08:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["{$45.00} <em>million</em> in <em>loan</em> forgiveness, and Santander will also pay up to {$2.00} <em>million</em> for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} <em>million</em> to the states."]},"sort":[14.312846,"3926380"]},{"_index":"complaint-public-v1","_id":"8090889","_score":14.257423,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Lucky auto is a scam I did not get XXXX cents and a job gets me a car I had to pay down payment of XXXX  dollars first fraud they did second I have now purchased two vehicles from this lot the first they reported 5 ontime payments I have been paying ontime for now two separate purchases and the closed the account when I got on XXXX XXXX without updating almost 4 years worth of on time payments and also don't know the balance owed on credit. I need my credit I need them to report they are known to scam people if you can't help I may need to get a lawyer because they are taking advantage of people with bad credit! They lock you into a used car that is 3 to 4x as much as the car value so yeah please help!","date_sent_to_company":"2024-01-02T16:17:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"898XX","tags":null,"has_narrative":true,"complaint_id":"8090889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Titanium Funds","date_received":"2024-01-02T16:17:30.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"company":["Titanium <em>Funds</em>"]},"sort":[14.257423,"8090889"]},{"_index":"complaint-public-v1","_id":"8004366","_score":14.257423,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Mislead by the sales person and the advertisement on the wall about an additional fee that would cover insurance, this turned out to be untrue and the vehicle was impounded for no insurance. Not reporting anything to the credit bureau about the loan, not applying payments when made online.","date_sent_to_company":"2023-12-15T02:22:22.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"84037","tags":"Servicemember","has_narrative":true,"complaint_id":"8004366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Titanium Funds","date_received":"2023-12-15T02:04:07.000Z","state":"UT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["Not reporting anything to the credit bureau about the <em>loan</em>, not applying payments when made online."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Getting a <em>loan</em> or lease"],"company":["Titanium <em>Funds</em>"],"sub_product":["<em>Loan</em>"]},"sort":[14.257423,"8004366"]},{"_index":"complaint-public-v1","_id":"7062008","_score":14.257423,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I went somewhere to trade in my car and they pulled my credit and found out I dont even have a car loan on my report I got a car from lucky auto credit becaue they said it would help with my credit found out they havent been reporting to any bureau for a year even properly longer for other people","date_sent_to_company":"2023-06-02T23:58:27.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"84601","tags":null,"has_narrative":true,"complaint_id":"7062008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Titanium Funds","date_received":"2023-06-02T23:52:22.000Z","state":"UT","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["I went somewhere to trade in my car and they pulled my credit and found out I dont even have a car <em>loan</em> on my report I got a car from lucky auto credit becaue they said it would help with my credit found out they havent been reporting to any bureau for a year even properly longer for other people"],"company":["Titanium <em>Funds</em>"]},"sort":[14.257423,"7062008"]},{"_index":"complaint-public-v1","_id":"5775569","_score":14.257423,"_source":{"product":"Debt collection","complaint_what_happened":"Back in XXXX I financed a vehicle through Titanium Funds in Utah. After 2 years of on time payments I fell on hard times and the vehicle was repossessed. They resold the same vehicle less than a month later as it was parked across the street from my house and the key fob I had still worked, I talked to the new owner that got it through the same dealership and finance company and gave him the extra key. To this day I'm still being garnished for that vehicle, they have collected over {$12000.00} from me, and XXXX know what they have collected from others on the same vehicle. My biggest issue is on the only credit report of mine it shows on, the last balance they reported in XXXX of XXXX was less than {$3000.00}, but on the garnishment paperwork they are wanting to collect over {$5000.00}. My most recent check stub shows I have paid just over {$2000.00} and there should be only 1 more payment to be taken. I fear they are going to keep collecting as much as they can. Please please help me put a stop to this.","date_sent_to_company":"2022-07-15T12:09:32.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"84404","tags":null,"has_narrative":true,"complaint_id":"5775569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Titanium Funds","date_received":"2022-07-15T11:49:56.000Z","state":"UT","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Back in XXXX I financed a vehicle through Titanium <em>Funds</em> in Utah. After 2 years of on time payments I fell on hard times and the vehicle was repossessed. They resold the same vehicle less than a month later as it was parked across the street from my house and the key fob I had still worked, I talked to the new owner that got it through the same dealership and finance company and gave him the extra key."],"company":["Titanium <em>Funds</em>"]},"sort":[14.257423,"5775569"]},{"_index":"complaint-public-v1","_id":"11687167","_score":14.257423,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"When I purchased my vehicle in XXXX I was in need of a vehicle I went to the XXXX XXXX XXXX location. I found a vehicle that would fit my needs. I was presented with the loan information. The loan had me paying XXXX or XXXX over the life of the loan for a vehicle that I thought was worth XXXX XXXX if I was \" lucky ''. The salesman stated that it would be reported on all my credit reports. With XXXX repossessions in my past. I thought hey a repaired credit score would be worth all the extra fees in the end. I have been paying on this loan since XXXX on time. I called titanium funds around XXXX of XXXX asking for the payoff quote. Also asking why my loan was not being reported as I was told it would be. I told them over the phone that that was the whole point of me taking the loan and I am getting nothing from it. I was told it was a software issue that they were working to resolve. \nMy issue is that this is not the first complaint on this issue. In XXXX a similar complaint was made as highlighted on XXXX : Please follow link before. \nXXXX XXXX XXXX This is not an issue with the dealership but an issue with Titanium Funds you refuse to fix the issue. I have paid approximately {$18000.00} dollars for a vehicle that XXXX cant trade in for more than {$1500.00}. Now even better is it no longer runs. SO I am stuck paying at least another {$18000.00}. I feel I should be relieved of the burden of this debt. They stated to XXXX that they would have the issue resolved in the coming weeks. Preying on the lower income people who are always struggling is just sad and wrong.","date_sent_to_company":"2025-01-23T02:20:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Loan","zip_code":"84403","tags":"Servicemember","has_narrative":true,"complaint_id":"11687167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Titanium Funds","date_received":"2025-01-23T01:52:57.000Z","state":"UT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I was presented with the <em>loan</em> information. The <em>loan</em> had me paying XXXX or XXXX over the life of the <em>loan</em> for a vehicle that I thought was worth XXXX XXXX if I was \" lucky ''. The salesman stated that it would be reported on all my credit reports. With XXXX repossessions in my past. I thought hey a repaired credit score would be worth all the extra fees in the end. I have been paying on this <em>loan</em> since XXXX on time. I called titanium <em>funds</em> around XXXX of XXXX asking for the payoff quote."],"product":["Vehicle <em>loan</em> or lease"],"company":["Titanium <em>Funds</em>"],"sub_product":["<em>Loan</em>"]},"sort":[14.257423,"11687167"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1107793,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":667260},{"key":0,"key_as_string":"false","doc_count":440533}]}},"product":{"doc_count":667260,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":111694,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":45822},{"key":"FHA mortgage","doc_count":20664},{"key":"Conventional fixed mortgage","doc_count":13790},{"key":"VA mortgage","doc_count":9253},{"key":"Home equity loan or line of credit (HELOC)","doc_count":6342},{"key":"Conventional 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