{"took":64,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":308,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16986937","_score":18.981657,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I leased a XXXX XXXX XXXX from [ Dealer Name ] on XX/XX/XXXX. The vehicle immediately had mechanical issues, which the dealer refused to address. I later discovered the dealer entered an incorrect Social Security number on my lease and loan documents. Despite this, the lender approved and financed the lease. I requested written confirmation that correcting the SSN would not cancel or waive my dispute, a copy of the original lease including the incorrect SSN, and a loan adjustment or reduction. The dealer has not responded to any communications, and the lender refused to provide any information or make adjustments, leaving the dispute unresolved.","date_sent_to_company":"2025-11-19T15:42:47.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"89115","tags":null,"has_narrative":true,"complaint_id":"16986937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Steel Lending Group LLC","date_received":"2025-11-03T19:05:40.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I <em>leased</em> a XXXX XXXX XXXX from [ Dealer Name ] on XX/XX/XXXX. The vehicle immediately had mechanical issues, which the dealer refused to address. I later discovered the dealer entered an incorrect Social <em>Security</em> number on my <em>lease</em> and <em>loan</em> <em>documents</em>. Despite this, the lender approved and financed the <em>lease</em>. I requested written confirmation that correcting the SSN would not cancel or waive my dispute, a copy of the original <em>lease</em> including the incorrect SSN, and a <em>loan</em> adjustment or reduction."],"product":["Vehicle <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"]},"sort":[18.981657,"16986937"]},{"_index":"complaint-public-v1","_id":"12823038","_score":17.017694,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing this complaint against PayTomorrow LLC for what I believe to be an unlawful, deceptive, and predatory financing structure. In XX/XX/year>, I purchased a piece of gym equipment and financed it through PayTomorrow. I was led to believe I was entering into a single financing arrangement. However, I have since discovered that I was deceptively enrolled in both a consumer loan AND a closed-end lease for the same piece of equipment, creating a dual financial liability that was never clearly explained to me at the time of agreement.\n\nLet me be clear : This was a single transaction for a single product, yet PayTomorrow split the liability across two separate financial instruments a \" Simple Interest Consumer Loan and Security Agreement '' and a \" Closed End Consumer Goods Lease Agreement '' without adequate disclosure. The lease references a {$2500.00} value, while the loan finances {$1800.00} of the same product, giving PayTomorrow the ability to double-dip on payments for the exact same item. This is a blatant abuse of consumer trust and constitutes constructive fraud through layered contract structures that obscure the true financial burden. \n\nThe lease falsely states I have no ownership rights, while the loan simultaneously grants PayTomorrow a security interest in the equipment, implying I am the owner. It is legally impossible under Texas law to both lease and sell the same item to the same person at the same time. These documents directly contradict XXXX another and reflect a willful act of deception, designed to trap unsuspecting consumers into overpaying. \nThese practices are : In violation of the Truth in Lending Act ( TILA ) for failure to clearly disclose the true nature of the financing agreement.\n\nIn violation of the Consumer Leasing Act ( CLA ) due to incomplete and misleading lease disclosures.\n\nIn violation of Texas Deceptive Trade Practices Act ( DTPA ) for employing an unconscionable financing structure and misrepresenting consumer rights.\n\nAnd appear to violate UDAP standards ( Unfair and Deceptive Acts and Practices ) by artificially inflating consumer liability through dual contract structures. \n\nPayTomorrow appears to be using this tactic to mislead underwriting systems, confuse customers into believing they have more flexibility than they do, and weaponize complexity to generate excess payments under the guise of optional ownership when in reality, both agreements require payment on overlapping timelines and include steep fees, automatic debits, and disproportionate penalties. \n\nI have attached both the loan and lease agreements for your review. If this is happening to me, its likely happening to hundreds or thousands of others. This is not an accident this is a model built for predatory profit, and it needs to be stopped.","date_sent_to_company":"2025-04-05T02:10:32.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"751XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12823038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PayTomorrow, LLC","date_received":"2025-04-05T02:02:49.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["The <em>lease</em> falsely states I have no ownership rights, while the <em>loan</em> simultaneously grants PayTomorrow a <em>security</em> interest in the equipment, implying I am the owner. It is legally impossible under Texas law to both <em>lease</em> and sell the same item to the same person at the same time. These <em>documents</em> directly contradict XXXX another and reflect a willful act of deception, designed to trap unsuspecting consumers into overpaying."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"sub_product":["Installment <em>loan</em>"]},"sort":[17.017694,"12823038"]},{"_index":"complaint-public-v1","_id":"2313916","_score":16.69036,"_source":{"product":"Mortgage","complaint_what_happened":"I have been dealing with Ocwen for year and a half to get them to fulfill their obligation to provide me with the pay off loan documents after I paid off my mortgage in XX/XX/2015. \nDuring all this time, they have been claiming that they did n't need to file a XXXX. Finally they did ; however, they have failed to provide me with the original pay off documents as follows : * Pay off letter dully executed in Ocwen 's letter head * Original lien release ( XXXX ) they filed with the county * Executed Proprietary lease ( they need to tell XXXX XXXX that the loan has been paid off and therefore, they only need XXXX proprietary lease not XXXX. Should Ocwen insist on getting XXXX, Ocwen needs to fully explain why they need XXXX copies. No other proprietary lease will be provided without me receiving the original signed copy I forward to XXXX XXXX ) * Original Stock certificate * Original security agreement ( XXXX XXXX obtained an assignment without me knowing about it. My mortgage has been fully satisfied, they need to release such note ) * Original letter of satisfaction. \n\nI want to understand why is OCWEN purposely delaying the issuance of such documents and why is n't this institution placed on warning by the CFPB. \n\nOcwen will be made responsible of all the financial costs their incompetency and unprofessionalism is costing me.","date_sent_to_company":"2017-01-27T03:20:23.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"07110","tags":null,"has_narrative":true,"complaint_id":"2313916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-01-27T03:20:23.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Finally they did ; however, they have failed to provide me with the original pay off <em>documents</em> as follows : * Pay off letter dully executed in Ocwen 's letter head * Original lien release ( XXXX ) they filed with the county * Executed Proprietary <em>lease</em> ( they need to tell XXXX XXXX that the <em>loan</em> has been paid off and therefore, they only need XXXX proprietary <em>lease</em> not XXXX. Should Ocwen insist on getting XXXX, Ocwen needs to fully explain why they need XXXX copies."],"issue":["<em>Loan</em> servicing, payments, escrow account"]},"sort":[16.69036,"2313916"]},{"_index":"complaint-public-v1","_id":"2989109","_score":16.660702,"_source":{"product":"Mortgage","complaint_what_happened":"I had a loan with Key Bank which seemingly they became the holders of. There were either three other holders before them, as I recall. The loan was paid off back in XX/XX/XXXX. I have not received my original ( not copy ) proprietary lease, and share of stock. Nor have I received proof of payoff which would include a XXXX termination notice. I received only a blank XXXX with no property address or termination stated thereon and my name was incorrectly spelled. These are the collateral for the loan which originated with XXXX XXXX XXXX in XX/XX/XXXX. Furthermore I have not received my recognition agreement, or complete loan documents. I have been calling them and complaining about this and have got finally just an incorrect XXXX, and a copy ( emphasis added ) of the adjustable rate note, loan security aggreement, and RESPA statement. \nI have told them that absent the original shares of stock and proprietary lease, and a completed filed XXXX termination notice from the county I can not sell the apartment, or do anything. Six months is more than enough time to have all this done as the original documents should have been provided to me no later than XX/XX/XXXX, and the XXXX should have been sent no later than three months from closing.","date_sent_to_company":"2018-08-11T23:28:58.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"10567","tags":"Servicemember","has_narrative":true,"complaint_id":"2989109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2018-08-11T23:06:49.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["These are the collateral for the <em>loan</em> which originated with XXXX XXXX XXXX in XX/XX/XXXX. Furthermore I have not received my recognition agreement, or complete <em>loan</em> <em>documents</em>. I have been calling them and complaining about this and have got finally just an incorrect XXXX, and a copy ( emphasis added ) of the adjustable rate note, <em>loan</em> <em>security</em> aggreement, and RESPA statement."]},"sort":[16.660702,"2989109"]},{"_index":"complaint-public-v1","_id":"3354215","_score":16.25536,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my XXXX & Experian Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & Experian Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}","date_sent_to_company":"2019-08-26T20:34:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3354215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-08-26T20:33:57.000Z","state":"VA","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":["XXXX XXXX XXXX from a <em>loan</em>/<em>lease</em> in 2009. A car <em>lease</em> was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my XXXX & Experian Credit Reports for quite some time now to no avail. I have sent them requested <em>documents</em> more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information."]},"sort":[16.25536,"3354215"]},{"_index":"complaint-public-v1","_id":"3354214","_score":16.227398,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for  quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the Equifax Security Breach. This item is reporting as a negative and impacting my score  monthly as it pertains to a charge off/not current with payments {$2600.00}","date_sent_to_company":"2019-08-26T20:34:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3354214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-08-26T20:33:57.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX from a <em>loan</em>/<em>lease</em> in 2009. A car <em>lease</em> was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for  quite some time now to no avail. I have sent them requested <em>documents</em> more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information."]},"sort":[16.227398,"3354214"]},{"_index":"complaint-public-v1","_id":"3354136","_score":16.227398,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Regional Acceptance Corporation from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with Regional Acceptance Corporation. I have been disputing this with them as it pertains to my XXXX & XXXX Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my XXXX & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the XXXX Security Breach & the  XXXX Security Breach. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00}","date_sent_to_company":"2019-08-27T17:54:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3354136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BB&T CORPORATION","date_received":"2019-08-26T20:25:54.000Z","state":"VA","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":["Regional Acceptance Corporation from a <em>loan</em>/<em>lease</em> in 2009. A car <em>lease</em> was purchased in my name sometime in 2009 with Regional Acceptance Corporation. I have been disputing this with them as it pertains to my XXXX & XXXX Credit Reports for quite some time now to no avail. I have sent them requested <em>documents</em> more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information."]},"sort":[16.227398,"3354136"]},{"_index":"complaint-public-v1","_id":"3277784","_score":15.967894,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My vehicle was wrongfully repossessed. I had a XXXX lease through Chase Auto Finance. After the lease term ended, I indicated to Chase that I wanted to convert from lease to purchase and also obtain the purchase financing through Chase Auto. \nOn or about XX/XX/XXXX, I had been told by XXXX XXXX ( loan originator at Chase ) that my credit application was approved, and I was given the loan terms. I told him I accepted the terms and asked him to send me the documents electronically for completion. XXXX also instructed me to pay the lease payment if another one came due before the purchase loan was processed and that if I continued receiving calls from the lease side I could either answer them or ignore them. This could be confirmed by listening to calls between myself and XXXX.I received the documents electronically but also received them via XXXX  overnight XX/XX/XXXX. I executed the documents ( contract, power of attorney ), paid {$20.00} to have my signature notarized on the POA documents, and sent back all documents that were on the provided checklist, along with copies of my vehicle registration, insurance card and driver 's license. These items were returned to Chase XX/XX/XXXX via XXXX   overnight. The contract date indicated on the documents was XX/XX/XXXX. \nOn XX/XX/XXXX, I received a call from Chase Auto. Thinking it was regarding finalization of the loan and how to make payment, I returned the call. It was actually the lease side. I indicated I had returned the purchase documents the week prior and that I assumed the loan would be fully processed and the lease paid out shortly. Also on XXXX XXXX, I received a XXXX envelope at my home. The envelope included a letter from Chase Auto dated XX/XX/XXXX and an odometer disclosure statement. The letter indicated my documents had been received and the odometer statement was all that was needed to finalize the loan. ( Please note : an odometer statement was not part of the original package ). I completed and signed the odometer statement and returned it to Chase Auto XX/XX/XXXX in the XXXX   overnight envelope they provided to me. \nI never received any further correspondence from Chase Auto. \nAnother lease payment was due XX/XX/XXXX, so I did as instructed by the retail lending side and paid the lease payment. This payment was accepted. \nThe first retail loan payment was supposed to be due XX/XX/XXXX. As I still had not received anything further regarding how to pay the loan, and the lease was still showing open for me on the Chase app ad Chase online, I started calling the number provided on the letter of XX/XX/XXXX ( XXXX ). The letter indicated to call that number and choose Option 6. There is NO option 6. I chose option 3 for applications already made, then option 1 for apps made by phone. I have called that number XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. All I ever got is a recording stating they are experiencing high call volume and I will be handled by the next available representative. After 20-30 minutes with no one picking up, I would give up. This occurred more than once a day on most of those dates. I also tried the number I had for XXXX XXXX on XX/XX/XXXX. That number was no longer in service, as they are apparently no longer taking credit apps by phone. \nDuring this whole time, I was monitoring Chase online and the Chase app to see if the lease had been paid off yet. \nThe evening of XX/XX/XXXX, the lease no longer showed on the app or Chase online, so I thought it had finally been paid by the retail side and closed out. \nSunday XX/XX/XXXX, I walked out of my house to go celebrate XXXX 's Day with my stepfather, and my vehicle was gone. I called the police and was told it had been repossessed. I called Chase at XXXX, which was a number I found online. it was the automated payment number, but I got transferred to the Redemptions dept and spoke with XXXX ( ID number XXXX ) who provided me with contact info for the repossession agent and told me I would have to contact them Monday morning. I explained the situation regarding already executing a contract to purchase the vehicle at the beginning of XXXX, and she indicated she forwarded the situation to Disputes and they would contact me in XXXX hours. I had to then go purchase some items I would need for work the next day, as the items I needed were in the vehicle. \nMonday XX/XX/XXXX : I had to find a ride to work. My security badge for work was in the vehicle, so I had to obtain a temporary. The temporary badge did not allow me access through any of the security doors. I work on an enhanced security floor, so could not even get back to my desk if I went out to use the restroom. \nAt XXXX, I contacted the repossession company I was given by XXXX the previous evening. I informed them this is a wrongful repossession and the finance company would need to return the vehicle to me. I also told them not to do anything with the vehicle including open it, remove contents, cut a key. \nAt XXXX XXXX I called XXXX again and was transferred to XXXX ( ID XXXX ) in the Redemptions Dept at Chase. She advised me she sees XXXX emailed Disputes yesterday about the situation and we just have to wait for them. I told her this is a wrongful repossession, and I want the vehicle returned today, I asked for a supervisor and was transferred to Account Supervisor XXXX ( ID XXXX ). I informed him of the above course of events. I told him this is a wrongful repossession, and I want the vehicle back today. I informed him I was filing a CFPB complaint and Executive complaint. I made it clear how disturbing this is given the fact that both loans are with the same bank. He told me there is a note that the credit app expired XX/XX/XXXX. He told me maybe I could start the application process again. I asked how this could happen when all paperwork to complete the loan was returned weeks before. He attempted to transfer me to a number for loans, and the call disconnected. He indicated the number was XXXX. \nXXXX XXXX : Called XXXX and again received a recording indicating they were experiencing extended wait time. \nXXXX XXXX : Called XXXX and received a recording indicating that to apply you need to go online to chaseautoloan.com XXXX XXXX : Called XXXX ( Chase customer service ) again. Agent indicated she didnt see it was flagged for repo and said she was going to transfer me to the Collection Dept. I was transferred to Account Supervisor XXXX ( ID XXXX ) at XXXX XXXX. I gave her the story and again informed her this is a wrongful repo. She attempted to transfer me to XXXX option 3, which is the number Ive been trying to call for weeks and never reached a person. She stayed on the line until XXXX, at which time she told me they were experiencing extended wait time. She suggested I talk to a loan XXXX at a Chase branch who XXXX have a better number. \nAt XXXX XXXX, I again called XXXX trying to determine why my purchase loan never got properly processed thus leading to the wrongful repossession. I again received the recording indicating they were experiencing extended wait time. It was 2 hours and 5 minutes before anyone came on the line. I held that entire time, while I was also attempting to perform my job. Finally, the call was answered by someone named XXXX at XXXX XXXX. XXXX advised that Resolutions was working on it and had actually contacted her for a piece of information. She stated that the tracking number for the Odometer Statement I sent back to Chase XX/XX/XXXX showed that it was received in the mailroom at Chase XX/XX/XXXX ( the next business day ). She said they need to find out what happened between receipt of the final document and the booking team, as it was not showing as received by booking until a month after the mailroom ( XX/XX/XXXX ). Booking supposedly was reaching out to the lease side for a new payoff. XXXX told me she emailed XXXX ( XXXX? ) from Resolutions who is working on the case and appeared to be at lunch. She stated that she would call me back and recited my phone number to me. XXXX further told me this was not my fault since I had returned everything on time and they would work on trying to get it resolved. Once again, I stressed that this was a wrongful repossession and I wanted the vehicle returned today. \n\nTo summarize : I had a vehicle lease with Chase. I was approved by Chase for a new loan to convert from lease to purchase, and I supplied all documents within the requested time. I followed the instructions of the retail side and paid the next lease payment that came due, and it was accepted. Chase admits to receiving my paperwork on time, yet no one started processing it until a month after it was received. Due to the lack of controls and their improper practices, my vehicle was repossessed causing me great hardship, embarrassment, stress and consumed my time. As of this writing ( XX/XX/XXXX at XXXX XXXX ), I have not received a call back, and I still do not have my vehicle.","date_sent_to_company":"2019-06-17T20:44:27.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"32223","tags":null,"has_narrative":true,"complaint_id":"3277784","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-06-17T20:33:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem when attempting to purchase vehicle at the end of the lease"},"highlight":{"complaint_what_happened":["I had a XXXX <em>lease</em> through Chase Auto Finance. After the <em>lease</em> term ended, I indicated to Chase that I wanted to convert from <em>lease</em> to purchase and also obtain the purchase financing through Chase Auto. \nOn or about XX/XX/XXXX, I had been told by XXXX XXXX ( <em>loan</em> originator at Chase ) that my credit application was approved, and I was given the <em>loan</em> terms. I told him I accepted the terms and asked him to send me the <em>documents</em> electronically for completion."],"product":["Vehicle <em>loan</em> or <em>lease</em>"],"issue":["Problems at the end of the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Problem when attempting to purchase vehicle at the end of the <em>lease</em>"]},"sort":[15.967894,"3277784"]},{"_index":"complaint-public-v1","_id":"2039545","_score":15.458456,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX/XXXX/XXXX Complaint Sent to the Consumer Financial Protection Bureau I am complaining about apending illegal eviction. \nMy son has a valid, notarized lease on my mother 's house, executed on XXXX XXXX, XXXX. On XXXX XXXX, the house was foreclosed on, but my son continued to live there and pay rent. He has been paying on that lease in exchange for his right to live in the house. My mother has moved out of the house because she had sustained several XXXX and was unable to take care of herself. She is using the money to supplement her social security income to pay for her care in a local XXXX home. \nOn XXXX XXXX, XXXX, we received a Notice of Eviction. They sent a form for a renter to fill out describing the details of the rental arrangement, entitled, \" Change in Occupant Questionnaire ''. My son sent the form back, along with the lease. The document was sent certified mail to the law firm as well as to the holder of the mortgage, XXXX XXXX. Also sent were payment receipts, initialed by my mother. We know they received it, because they signed for the certification. This indicates that Nationstar and law firm were aware of the lease, and that they were aware of Maryland state law. \nOn XXXX XXXX, my son received a sheriff 's notice ordering him to vacate the the premises and a writ of repossession. AT NO POINT HAS MY SON BEEN CONTACTED ABOUT THE VALIDITY OF THE LEASE. \n\nREMEDY : we want the loan servicer and the law firm to honor the lease and rescind the sheriff 's order before XXXX XXXX, XXXX. \n\nXXXX XXXX","date_sent_to_company":"2016-08-03T13:25:16.000Z","issue":"Settlement process and costs","sub_product":"Other mortgage","zip_code":"217XX","tags":null,"has_narrative":true,"complaint_id":"2039545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2016-08-01T19:17:48.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["AT NO POINT HAS MY SON BEEN CONTACTED ABOUT THE VALIDITY OF THE <em>LEASE</em>. \n\nREMEDY : we want the <em>loan</em> servicer and the law firm to honor the <em>lease</em> and rescind the sheriff 's order before XXXX XXXX, XXXX. \n\nXXXX XXXX"]},"sort":[15.458456,"2039545"]},{"_index":"complaint-public-v1","_id":"3270557","_score":15.233432,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"While investigating if I was eligible for a loan discharge on a Navient private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted Navient right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. \n\nThey continue to harass both myself and my co-signer. They found \" no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but Navient continues to add interest to the account and call incessantly.","date_sent_to_company":"2019-06-10T20:42:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07675","tags":null,"has_narrative":true,"complaint_id":"3270557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-06-10T20:25:42.000Z","state":"NJ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the <em>loan</em> was applied for, social <em>security</em> card, signed <em>lease</em> from 6 months after the identity theft, and a statement regarding the <em>loan</em>. The first issue was the amount of time taken to investigate, then they requested the same <em>document</em> which was already provided multiple times. \n\nThey continue to harass both myself and my co-signer."]},"sort":[15.233432,"3270557"]},{"_index":"complaint-public-v1","_id":"3270166","_score":15.20774,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"While investigating if I was eligible for a loan discharge on a XXXX private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted XXXX right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. \n\nThey continue to harass both myself and my co-signer. They found \" no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but XXXX continues to add interest to the account and call incessantly.","date_sent_to_company":"2019-06-10T20:43:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07675","tags":null,"has_narrative":true,"complaint_id":"3270166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-10T20:43:26.000Z","state":"NJ","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the <em>loan</em> was applied for, social <em>security</em> card, signed <em>lease</em> from 6 months after the identity theft, and a statement regarding the <em>loan</em>. The first issue was the amount of time taken to investigate, then they requested the same <em>document</em> which was already provided multiple times. \n\nThey continue to harass both myself and my co-signer."]},"sort":[15.20774,"3270166"]},{"_index":"complaint-public-v1","_id":"9431554","_score":15.007586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not my loan. I did not apply for this loan. Although my name, birthday, and Social Security number are correct, I do not live in Kansas, I have never lived in Kansas, I dont know anybody that lives in Kansas XXXX I have never gone to school in Kansas, nor did I receive this student loan or ever profit from it. I do not know the people listed as references in the XXXX document, XXXX XXXX or XXXX XXXX. I do not, and have never owned or had access to the email and/or phone number listed on the loan account. In XXXX of 2023, when these loan documents were submitted, I was living in a domestic XXXX shelter in XXXX XXXX, FL and I have documentation to prove that, as well as documentation to show that on XX/XX/year>, just 4 days after the documents for this loan were electronically signed, I was signing a 12 month lease agreement for a XXXX apartment in Cape Coral XXXX FL. I would have also been 4 months pregnant, and have documentation of my XXXX and the several doctors appointments I was attending, in person, in XXXX XXXX, FL. I contacted NelNet several months ago with all the same information above, and was never responded to. I cant get approved for any student loans to actually use myself, because a stranger took out this loan in my name, and most likely did not put towards educational expenses, and the information they provided was never questioned, despite the several misrepresentations they reported in their application documents.","date_sent_to_company":"2024-07-05T07:12:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33904","tags":null,"has_narrative":true,"complaint_id":"9431554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-07-05T06:11:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I do not, and have never owned or had access to the email and/or phone number listed on the <em>loan</em> account. In XXXX of 2023, when these <em>loan</em> <em>documents</em> were submitted, I was living in a domestic XXXX shelter in XXXX XXXX, FL and I have documentation to prove that, as well as documentation to show that on XX/XX/year>, just 4 days after the <em>documents</em> for this <em>loan</em> were electronically signed, I was signing a 12 month <em>lease</em> agreement for a XXXX apartment in Cape Coral XXXX FL."]},"sort":[15.007586,"9431554"]},{"_index":"complaint-public-v1","_id":"2582435","_score":14.83675,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX I submitted Documents for a Loan Modification, since there representatives said that is what was needed since no other loan I would qualify for. On XX/XX/XXXX received 2 letters stating Documents they needed regarding my Benefits Award letter from social security, along with 2 months bank statements ( already submitted on the XXXX XXXX ), any lease agreements I might have, and a Year to Date Earnings Benefit from Social Security. XX/XX/XXXX I submitted XX/XX/XXXXtax return along with form XXXX. XX/XX/XXXX They sent 2 letters requesting Any Lease Agreements I had on any other properties of which I did n't own any, they wanted bank statements AGAIN, they wanted form XXXX instead of the XXXX, they wanted Form XXXX, Income Documentation from Social Security and a Hardship Letter XX/XX/XXXX I submitted bank statements AGAIN, Social Security Documentation, and letter that they had told me to submit on a phone conversation I had with them regarding NO RENTAL Income along with Hardship explanation. XX/XX/XXXX They repeated wanting an updated Form XXXX, another Hardship letter, a second letter that same day requesting Form XXXX, Form XXXX, Income Documentation again from Social Security, and Hardship Document again. XX/XX/XXXX I re-submit Letter of Explanation for NO MORE Rental Income along with Hardship letter. XX/XX/XXXX They send thank you letter for submitting documentation and prompt response. XX/XX/XXXX Now they wanted why I had a XXXX XXXX XXXX, and Bank Statements for 60 days wanting to show social security deposit of {$2200.00}. I contacted them again by phone explaining that my XXXX was $ XXXX monthly deduction and a US Treasury deduction of {$320.00}. I also explained that I did n't have a XXXX XXXX mortgage anymore and that went away in XX/XX/XXXX. They said showing up on a credit report so I needed to submit a letter of explanation regarding that. XX/XX/XXXX I sent to them another new XXXX XXXX XXXX bank statement for XXXX which had my social security deposit on it, so now they had XXXX, XXXX, XXXX and the new XXXX statement. I also sent them a letter explaining an old XXXX XXXX mortgage that did n't exist anymore along with my social security deposits which equaled {$1800.00} ( {$2200.00} minus {$130.00} XXXX, and minus {$320.00} Treasury amount. XX/XX/XXXX a letter from Caliber thanking me for prompt response and there receipt of documents. So after a couple of weeks and no updates I contacted them and now because of that XXXX XXXX mortgage a letter of explanation is no good and I needed to contact credit bureau to get it removed. XXXX XXXX sent another XXXX bank statement for mid XXXX along with XXXX and XXXX XXXX statements with Social Security deposit circled. I contacted 3 credit bureaus and it was only XXXX that had the XXXX XXXX on my credit report and requested removal. They removed it by XXXX XXXX which I verified by phone with XXXX representative. XX/XX/XXXX Caliber sent another thank you letter for updating documents. XX/XX/XXXX I sent to Caliber a letter that it was being removed and I would follow up further with XXXX later in the week to make sure it did n't show up on my credit report again. XX/XX/XXXX Caliber sent another Thank you letter. XX/XX/XXXX Denial letter from Caliber on Loan Modification because of missing or incomplete of all documents. XX/XX/XXXX I submitted ALL proper documents again to Caliber Home Loans. Approximately XXXX XXXX I followed up with a phone call for a status update. Called again for a status update on XX/XX/XXXX only to find out that my documents submitted on XX/XX/XXXX, had the same XXXX XXXX mortgage showing up on the credit report. Representative said that it takes a full 30 days to get it removed properly. I could submit in mid XXXX and it should be removed. XX/XX/XXXX Submitted documents again. I feel they are playing the same game and will deny me again after the 60 day period. They are not processing the documents that are received in a timely fashion in good faith.","date_sent_to_company":"2017-07-22T23:12:56.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Other type of mortgage","zip_code":"859XX","tags":null,"has_narrative":true,"complaint_id":"2582435","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2017-07-22T21:48:28.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I submitted <em>Documents</em> for a <em>Loan</em> Modification, since there representatives said that is what was needed since no other <em>loan</em> I would qualify for. On XX/XX/XXXX received 2 letters stating <em>Documents</em> they needed regarding my Benefits Award letter from social <em>security</em>, along with 2 months bank statements ( already submitted on the XXXX XXXX ), any <em>lease</em> agreements I might have, and a Year to Date Earnings Benefit from Social <em>Security</em>."],"company":["Caliber Home <em>Loans</em>, Inc."]},"sort":[14.83675,"2582435"]},{"_index":"complaint-public-v1","_id":"7774432","_score":14.68071,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/ I was first offered a loan for my company for {$100000.00} by XXXX. XXXX uses XXXX for identity verification, and I was sent a contract that used the XXXX identity verification. However, it was quickly determined that my social security number was crossed with someone else 's social security number. Therefore, I could not get the loan because my identity could not be verified. I spoke to XXXX on numerous occasions, and they resent the documents at lease 20 times. However, nothing ever happened because the information is still wrong in XXXX 's system. I sent my drivers license and utility bill ; however, no help. I spoke to XXXX on numerous occasions and was told that they are pulling my social security number and information associated with it from LexisNexis. I told them their information regarding my SSN was wrong, however, I was not given any help whatsoever other than being told that there's nothing they can do even though they know my SSN is wrong in their system. I also spoke to LexisNexis regarding this problem. I sent my drivers license and utility bill ; however, their system has not been updated and I have been denied {$100000.00} loan for my business over 20 times because of this issue. \n\nI have tried numerous times to get both XXXX and LexisNexis to correct their databases pertaining to my social security number. However, I have received no response as to how they will correct the issue they have caused with no regard for how it has negatively affected my business.","date_sent_to_company":"2023-10-30T23:02:23.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"94607","tags":"Servicemember","has_narrative":true,"complaint_id":"7774432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-10-30T22:55:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/ I was first offered a <em>loan</em> for my company for {$100000.00} by XXXX. XXXX uses XXXX for identity verification, and I was sent a contract that used the XXXX identity verification. However, it was quickly determined that my social <em>security</em> number was crossed with someone else 's social <em>security</em> number. Therefore, I could not get the <em>loan</em> because my identity could not be verified. I spoke to XXXX on numerous occasions, and they resent the <em>documents</em> at <em>lease</em> 20 times."]},"sort":[14.68071,"7774432"]},{"_index":"complaint-public-v1","_id":"6121885","_score":14.352699,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-10-24T18:17:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91202","tags":null,"has_narrative":true,"complaint_id":"6121885","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-24T18:17:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I request that this vehicle <em>loan</em> is removed from my records because I never <em>leased</em> or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX."]},"sort":[14.352699,"6121885"]},{"_index":"complaint-public-v1","_id":"6121876","_score":14.352699,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the XXXX  XXXX. I arrived to the XXXX  at the state of XXXX  at the end of XX/XX/XXXX and ever since I lived in the state of XXXX. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX  to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-10-24T18:28:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91202","tags":null,"has_narrative":true,"complaint_id":"6121876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-24T18:28:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I request that this vehicle <em>loan</em> is removed from my records because I never <em>leased</em> or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX."]},"sort":[14.352699,"6121876"]},{"_index":"complaint-public-v1","_id":"6121886","_score":14.325217,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2022-10-24T18:17:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91202","tags":null,"has_narrative":true,"complaint_id":"6121886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-24T18:17:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I request that this vehicle <em>loan</em> is removed from my records because I never <em>leased</em> or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX."]},"sort":[14.325217,"6121886"]},{"_index":"complaint-public-v1","_id":"6121920","_score":14.309176,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the US at the state of XXXX  at the end of XX/XX/XXXX and ever since I lived in the state of XXXX. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with BMW FINANCIAL SERVICES. When I contacted BMW FINANCIAL SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with BMW because I can not afford a BMW and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with BMW and I never leased a vehicle with them because I know my financial capabilities and I can not afford a BMW. BMW is refusing to even conduct an investigation. This is an identity theft matter and BMW representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a BMW. I've been told the vehicle is a XXXX BMW XXXX XXXX XXXX.","date_sent_to_company":"2022-10-24T18:17:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91202","tags":null,"has_narrative":true,"complaint_id":"6121920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2022-10-24T17:35:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I request that this vehicle <em>loan</em> is removed from my records because I never <em>leased</em> or bought a BMW. I've been told the vehicle is a XXXX BMW XXXX XXXX XXXX."]},"sort":[14.309176,"6121920"]},{"_index":"complaint-public-v1","_id":"16754718","_score":14.246439,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing a complaint against Rocket Mortgage for failure to clearly disclose loan conditions and misleading communications regarding the rental of my departing residence. \n\nI was informed in writing and by text that I had 60 days to vacate my current residence after closing, which I relied upon in good faith. At no time was I advised that the departing residence rental requirement was a separate, immediate condition tied to underwriting or that it would prevent closing. The distinction between occupancy timing and rental condition was only made clear after my closing was delayed, despite my compliance with all prior instructions. \n\nAfter appraisal, inspection, and full compliance, Rocket refuses to close my loan at the last minute, claiming the property must be rented prior to closig. I immediately secured a tenant, lease, and verified {$3200.00} in rent/deposit funds, but the unerwriter delayed the file again over a non-material {$4.00} varaiance ( a pre-existing account balance ). I ultimately obtaied the {$4.00} from my tenant and uploaded the account transaction details to the portal. \n\nThis communication has caused unnecesarry stress, sped up the timeline and moving coordination, potential financial loss, ad risk to my purchase. Rocket 's Executive Relations department has been contacted, but the matter remains unsolved. \n\nTimeline of Key Events XX/XX/XXXX I receive confirmation again that I have 60 days to move ( documented by text ). No distinction is made between occupancy timing and rental-income verification timing. \n\nXX/XX/XXXX Appraisal completed ; value {$420000.00}, contract {$390000.00} ( instant equity ). All standard loan docs provided. \n\nXX/XX/XXXX and XX/XX/XXXX I uploaded me lease agreement into the portal on XXXX different days clearly showing my lease agreement would take effect on XX/XX/XXXX. Still no distinction is made between occupancy timing and rental-income verification timing. \n\nXX/XX/XXXX XXXX contacts me by text to request my lease agreement again. I explained it was a XXXX year lease agreement and sent it to him by email this time. He confirms that it \" sounds good '' giving no indication there is any sort of problem. \n\nFriday, XX/XX/XXXX XXXX am XXXX XXXX me a text message that someone named XXXX talked to me on phone about needing an active lease. He also informed me that because of the issue, we would not close on XX/XX/XXXX as scheduled. I never spoke to any XXXX so that was a lie. Then Im told for the first time that I must have a signed tenant lease, first months rent, and security deposit collected prior to closing. This is presented as a new gating condition, distinct from the 60-day occupancy rule, which had never been explained before. I escalated to a Director, gave a thorough explanation, and provided a timeline. In fact it seems like the action that followed soon after was retaliation using malicious compliance. \n\nXX/XX/XXXX I immediately comply : secure tenant, submit executed lease, and provide bank statement showing {$3000.00} first months rent + {$250.00} security deposit = {$3200.00} received and cleared ( ending balance {$3200.00} as of XX/XX/XXXX ). \n\nXX/XX/XXXX Underwriting asserts a {$4.00} shortage. I clarify in writing that the {$4.00} was a pre-existing balance, not a deficiency ; the total tenant funds are fully present and cleared ( statement attached ). No substantive response to clear the file is provided.","date_sent_to_company":"2025-10-22T14:35:38.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"75007","tags":null,"has_narrative":true,"complaint_id":"16754718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2025-10-22T13:25:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Delays with the closing process"},"highlight":{"complaint_what_happened":["Timeline of Key Events XX/XX/XXXX I receive confirmation again that I have 60 days to move ( <em>documented</em> by text ). No distinction is made between occupancy timing and rental-income verification timing. \n\nXX/XX/XXXX Appraisal completed ; value {$420000.00}, contract {$390000.00} ( instant equity ). All standard <em>loan</em> docs provided. \n\nXX/XX/XXXX and XX/XX/XXXX I uploaded me <em>lease</em> agreement into the portal on XXXX different days clearly showing my <em>lease</em> agreement would take effect on XX/XX/XXXX."]},"sort":[14.246439,"16754718"]},{"_index":"complaint-public-v1","_id":"2341571","_score":14.200193,"_source":{"product":"Consumer Loan","complaint_what_happened":"lease matured XX/XX/XXXX, had been contacted by dealer prior to and we advised we were in process of buying out. We did not know they do n't inform Hyundai Motor Finance ( HMF ). We got approved for loan through our bank, got insurance binder on XX/XX/XXXX and HMF finally sent payoff statement to bank on XX/XX/XXXX ( after much back and forth ). Included in statement was a security deposit authorization that needed to be signed by a dealer. Dealer refused to sign until they learned more about it as they had never seen it before. Constant back and forth with dealer produced no results or information- they are still waiting to learn about authorization. During this process, car was repossessed. Daily calls with HMF are debilitating as I receive no help. One person said that since security deposit was only {$1.00} and something so small should not be giving me so much trouble, they would send me new pay off letter without security deposit of {$1.00} and increase the pay off amount by {$1.00}. However, that paperwork was stopped by the reinstatement department. I am still trying to get in touch with people to get help. I have no car, our credit will take a huge hit, even though we have documented proof of a good faith effort in trying to obtain a loan to buy out the vehicle and the only reason why this was held up is because of the security deposit authorization and the dealer refusing to sign same.","date_sent_to_company":"2017-02-16T18:12:16.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle lease","zip_code":"11758","tags":null,"has_narrative":true,"complaint_id":"2341571","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2017-02-13T19:59:41.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have no car, our credit will take a huge hit, even though we have <em>documented</em> proof of a good faith effort in trying to obtain a <em>loan</em> to buy out the vehicle and the only reason why this was held up is because of the <em>security</em> deposit authorization and the dealer refusing to sign same."],"product":["Consumer <em>Loan</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["Vehicle <em>lease</em>"]},"sort":[14.200193,"2341571"]},{"_index":"complaint-public-v1","_id":"8048079","_score":14.158743,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Financial Pacific Leasing ( FPL ) violated 12 CFR 1026.4 ( B ) ( 8 ) which talks about premiums for insurance against loss or damaged property. The GAP insurance on the retail installment contract is not included in the finance charge. This charge was added to the account after I signed the contract and was involuntary drawn ( ACH ) from my account in addition to Maryland Commercial Vehicle and Business Insurances being maintained. \n( FPL ) violated 16 CFR 433.1 ( f ) which mentions what a \" contract '' is and that is between the seller and the creditor. The retail installment contract, nor Oral contracts, that is linked to account is not with Financial Pacific Leasing, they were with XXXX therefore there should be no obligation to pay Financial Pacific Leasing since XXXX was already paid on this contract. I am aware they call every year since I Indorsed for two vehicles, to see if im ready to Indorse another vehicle.\n\nFinancial Pacific Leasing violated 12 USC 83 which states no association shall make any loan on its own stock. ( FPL ) violated Maryland title 12 102 which states the maximum amount interest that can be charged is 6 %. Any rate above 6 % in the state of Maryland is considered usurious. On account we are contracted for 60 % of the total cost of Fair Market Value. The Vehicle was {$42000.00} and they would not finance me until I agreed to add to {$25000.00} to the Loan ( XXXX ), Orally. I assume the collateral security attached to this account was sold to Financial Pacific Leasing. Which Financial Pacific Leasing hired an attorney and repossessing the vehicle through the courts, when in reality the contract was paid through performance. I have a counterclaim in the Federal Courts as all my motions to vacate the judgement have been denied representing Pro Se. I attempted to settle the matter out of court, however I am at a lost at this point and damages are adding up daily as this vehicle is means of feeding my boys.Violating Title 42 USC 1983 under the color of Law. I was not made aware of our rights when doing business with greedy, manipulative people and companies. The Hardship I am experiencing is the Lesson. how do I standup to fraud? Read, there is an answer to how can you do this to me and get away with it!? Aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by Financial Pacific Leasing and XXXX to rescind only the illegal parts of this contract. They never responded, in lieu, filed a sue against me upon which they won as I was not served the legal documents upon which they are suing.","date_sent_to_company":"2023-12-22T22:48:55.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"212XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8048079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COLUMBIA BANKING SYSTEM, INC.","date_received":"2023-12-22T22:04:33.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["I assume the collateral <em>security</em> attached to this account was sold to Financial Pacific <em>Leasing</em>. Which Financial Pacific <em>Leasing</em> hired an attorney and repossessing the vehicle through the courts, when in reality the contract was paid through performance. I have a counterclaim in the Federal Courts as all my motions to vacate the judgement have been denied representing Pro Se."],"product":["Vehicle <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional products or services purchased with the <em>loan</em>"]},"sort":[14.158743,"8048079"]},{"_index":"complaint-public-v1","_id":"4294107","_score":14.151941,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Leased XXXX XXXX XXXX from XXXX XXXX in XXXX California my husband XXXX XXXX leased the vehicle and I co-signed loan. XXXX and I were estranged and I was moving to New Jersey which I did! XXXX was XXXX with XXXX XXXX XXXX and his condition was declining. He took car to XXXX XXXX & spoke to XXXX XXXX to take back the car & renegotiate a new loan for a smaller less expensive vehicle. He was denied. He explained to them that he was.unable to make {$360.00} a month payments as he lived on Social Security only & to be able to rent and live with the basics. His condition became intolerable he was living in hotels and the street. \nHospital after hospital skilled XXXX one after another. Finally placed in a mental health facility and was diagnosed incapacitated. He ended.up in a Rest home unable to walk with complete loss of memory incontinent & died XX/XX/XXXX. \nI received a call from him saying a tow truck picked up the car. I received a notice about 5 months ago from a attorney/debt collector that they were representing Ford Motor Co for said debt of about {$13000.00} First of all I never received a notice from Ford that they were reprocessing the vehicle for non payment. Never were contacted about renegotiating loan or debt? I never received any document that they sold the said vehicle and how much they received? Is this amount with compound interest? Also during Covid I am continually getting harassed by letters saying that they are from XXXX civil division N.J. I l sent them a certified letter return receipt attached XXXX death certificate & asked then to contact me by mail so that we can discuss this matter. I did not give them my phone number as they probably would call off the chain. As I said I never received any of those documents to my home until I got the notice of debt from them? I live on Social Security raising my XXXX year old granddaughter. I own no car no home? I want to settle this matter. Please help me and explain my rights to me? Does Ford have any humanity? XXXX XXXX XXXX","date_sent_to_company":"2021-04-13T19:39:15.000Z","issue":"Struggling to pay your loan","sub_product":"Lease","zip_code":"07701","tags":"Older American","has_narrative":true,"complaint_id":"4294107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FORD MOTOR CREDIT CO.","date_received":"2021-04-13T18:36:31.000Z","state":"NJ","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["<em>Leased</em> XXXX XXXX XXXX from XXXX XXXX in XXXX California my husband XXXX XXXX <em>leased</em> the vehicle and I co-signed <em>loan</em>. XXXX and I were estranged and I was moving to New Jersey which I did! XXXX was XXXX with XXXX XXXX XXXX and his condition was declining. He took car to XXXX XXXX & spoke to XXXX XXXX to take back the car & renegotiate a new <em>loan</em> for a smaller less expensive vehicle. He was denied."],"product":["Vehicle <em>loan</em> or <em>lease</em>"],"issue":["Struggling to pay your <em>loan</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["<em>Loan</em> balance remaining after the vehicle is repossessed and sold"]},"sort":[14.151941,"4294107"]},{"_index":"complaint-public-v1","_id":"20202241","_score":14.092653,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"The auto loan/lease for a XXXX XXXX XXXX XXXX was paid in full on XX/XX/XXXX. On that same date XXXX Lease Trust issued a document confirming that it no longer claims a security interest in the vehicle and released the lien.\n\nA court-filed agreement governing the vehicle states that title to the vehicle is to be held in my name, while a third party would pay the balance of the purchase price. Payment by a third party was anticipated and does not transfer ownership.\n\nDespite the lien release and the court agreement identifying me as the owner, Toyota Financial Services mailed the Certificate of Title to a third party. When I later contacted Toyota, representatives stated that Toyota can only issue the title to the person who paid.\n\nThis statement is incorrect because the lenders role after payoff is only to release the lien ; it does not determine ownership or redirect title based on who paid the balance. \n\nOn XX/XX/XXXX I sent a written demand to Toyota Financial Services requesting delivery of the title to the lawful owner. The message was delivered to Toyota and executive leadership and an automatic reply confirmed receipt. Toyota has not delivered the title or provided a legally supported reason for withholding it.\n\nI am requesting that Toyota Financial Services correct the misdelivery and provide the Certificate of Title to the lawful owner following lien release.","date_sent_to_company":"2026-03-12T15:01:57.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20202241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2026-03-12T14:51:03.000Z","state":"CT","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["The auto <em>loan</em>/<em>lease</em> for a XXXX XXXX XXXX XXXX was paid in full on XX/XX/XXXX. On that same date XXXX <em>Lease</em> Trust issued a <em>document</em> confirming that it no longer claims a <em>security</em> interest in the vehicle and released the lien.\n\nA court-filed agreement governing the vehicle states that title to the vehicle is to be held in my name, while a third party would pay the balance of the purchase price. Payment by a third party was anticipated and does not transfer ownership."],"product":["Vehicle <em>loan</em> or <em>lease</em>"],"issue":["Problems at the end of the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Unable to receive car title or other problem after the <em>loan</em> is paid off"]},"sort":[14.092653,"20202241"]},{"_index":"complaint-public-v1","_id":"4384383","_score":14.070841,"_source":{"product":"Mortgage","complaint_what_happened":"My name is XXXX XXXX XXXX. I am writing you about for the Refinance of XXXX XXXX XXXX, XXXX XXXX, SC. XXXX. \n\nI called in to start a Refinance Application on XX/XX/XXXX. XXXX XXXX took the application and helped me submit some of the original documents to start my file. After that Every time I received an email needing anything, I was quick to give upload it. Many times, I got many emails wanting duplicate items. I would call and talk to someone who was not XXXX or XXXX, then by the time I would talk to XXXX, she would say that whoever went into your file started moving things around, prompting the computer to ask for the same stuff repeatedly. I gave my rental house lease that started the beginning of XXXX. Everything was cleared. \n\nThen yesterday I got this message PROVIDE YOUR DOCUMENTS XXXX, There are 5 open document request ( s ) that need your attention. \n\nPlease provide the documents listed below by securely uploading to our sign portal as soon as possible. Social Security Income : Please provide documentation to support that Social Security benefits in the amount of {$510.00} paid to XXXX XXXX for the benefit of XXXX XXXX will continue for a minimum of three years Social Security Income : Please provide documentation to support that Social Security benefits in the amount of {$1300.00} paid to XXXX XXXX for the benefit of XXXX XXXX will continue for a minimum of three years Social Security Income : Please provide documentation to support that Social Security benefits in the amount of {$680.00} paid to XXXX XXXX for the benefit of XXXX XXXX will continue for a minimum of three years Expired Asset Document 1 : Please provide updated combined bank statement for XXXX XXXX XXXX accounts. Current document dated XX/XX/XXXX expires XX/XX/XXXX. \n\nSocial Security Income : Please provide some type of documentation to support that Social Security benefits in the amount of {$680.00} paid to XXXX XXXX for the benefit of XXXX XXXX will continue for a minimum of three years Upload w/ eSign If you uploaded your documents in the last 24-48 hours, they may still be under review. As soon as we receive any documents, our m.a.c team immediately begins the review process. If we have any questions, we'll contact you. \n\nXXXX XXXX Your m.a.c Team PennyMac Loan Services , LLC NMLS ID # XXXX XXXX ( XXXX ) Monday - Friday, XXXX XXXX. to XXXX XXXX PST So, I then called PennyMac, and XXXX began trying to see what was going on. And all of a sudden, she called me back and told me that my application as been declined. I asked why, I just got this 48 notice today, and she said she said it had something to do with my rental being vacant. I told them it has been rented since XXXX of XXXX. I began getting all the documentation that no one ever asked for and began sending it. EVERYTHING I could find. My tenants wrote up something stating when our lease started, I provided my bank statement showing the money going in. I provided a statement from my managers portal showing all the money that came in from this tenant from XXXX XXXX XX/XX/XXXX. There is NO REASON my application should have ever gotten declined. \n\nI have clearly documented rules from XXXX XXXX and PennyMac and some SC statutes when it comes to our rights in SC in Refinancing. \n\nSECTION 37-23-85. Compliance failure. \n\nA lender of a consumer home loan who acts in good faith but fails to comply with this article does not violate this article if the lender establishes that either : ( 1 ) within forty-five days of the loan closing and before the institution of an action pursuant to this article, the lender notifies the borrower of the compliance failure, makes appropriate restitution, and makes necessary adjustments to the loan to make the consumer home loan satisfy the requirements of Section 37-23-70, 37-23-75, or 37-23-80 ; or ( 2 ) the compliance failure was not intentional and resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adapted to avoid those errors, and within ninety days after the discovery of the compliance failure and before the institution of an action pursuant to this article or the receipt of written notice of the compliance failure, the lender notifies the borrower of the compliance failure, makes appropriate restitution, and makes necessary adjustments to the loan to make the consumer home loan satisfy the requirements of Sections 37-23-70, 37-2375, and 37-23-80. Examples of a bona fide error include clerical, calculation, computer malfunction and programming, and printing errors. An error of legal judgment with respect to a person 's obligations pursuant to this article is not a bona fide error. \n\nHISTORY : 2003 Act No. 42, Section 1, eff January 1, 2004, and applying to loans for which the loan applications were taken on or after that date I have sent all the other documentation through the portal from PennyMac, XXXX XXXX also. There is ABSOULUTLY NO REASON I SHOULD HAVE GOTTEN A DENIAL. I MET EACH and every documentation you asked for me. The communication never got to my loan officers to let me know what you needed when you needed it. Especially THIS APPRAISAL. They SHOULD HAVE GOTTEN THE DOCUMENTATION RIGHT AFTER THE APPRAISAL SAID THERE WAS A YEAR CONTRACT. WHICH YOU GOT FROM ME THAT CLEARLY STATED IT BEGAN IN XXXX XXXXXXXX XXXX  THE ONLY REASON I HAD TO SEND it yesterday was my loan officers told me they were never asked to have me provide it, there fore they never asked for it. And it appears THEY declined me on a violation that never happened. \n\nPlease look at each documentation. These were NEVER asked of me. I provided this after the last email that said I had 24-48 hours to send the SS like I have had to do so many times. So, I sent in the proof that My rental that I am trying to refinance was being rented since the beginning of XXXX. \n\nPlease help me. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2021-05-17T22:30:32.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"29414","tags":null,"has_narrative":true,"complaint_id":"4384383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2021-05-17T21:33:32.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I gave my rental house <em>lease</em> that started the beginning of XXXX. Everything was cleared. \n\nThen yesterday I got this message PROVIDE YOUR <em>DOCUMENTS</em> XXXX, There are 5 open <em>document</em> request ( s ) that need your attention. \n\nPlease provide the <em>documents</em> listed below by securely uploading to our sign portal as soon as possible."],"company":["PENNYMAC <em>LOAN</em> SERVICES, LLC."]},"sort":[14.070841,"4384383"]},{"_index":"complaint-public-v1","_id":"3354193","_score":14.041204,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"A car lease was purchased in my name sometime in XXXX with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX  Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX   Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the Equifax Security Breach. The company stated that they needed a police report which I do not have because at the time I went to file one I was told I did not need to do so because I had an official document from the US Government stating that my identity was compromised in a security  breach. XXXX at XXXX XXXX XXXX stated that they can not file a fraud claim without a police report. I was advised that companies can not report inaccurate information on your credit reports as it pertains to charge offs and not current with payments. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments {$22000.00}. \n\nI am having the same issue with XXXX XXXX XXXX from a loan/lease in XXXX. A car lease was purchased in my name sometime in XXXX with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM   Security Breach & the Equifax Security Breach. This item is reporting as a negative and  impacting my score monthly as it pertains to a charge off/not current with payments {$2600.00} I am having the same issues with XXXX XXXX  {$10000.00}. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments I am having the same issues with XXXX {$6500.00}. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments I am having the same issues with XXXX XXXX XXXX, XXXX {$730.00}. This item is reporting as a negative and impacting my score monthly as it pertains to a charge off/not current with payments. \n\nI am having the same issues with XXXX XXXX XXXX XXXX {$5100.00} and someone recently applied for a loan in my name with XXXX. I have fraud alerts set up on all 3 credit reports and bureaus. This cost me points on my Equifax and XXXX Credit Reports. \n\nBecause I am a victim of fraud and alerts are on all 3 credit reports before anyone runs my information no matter what they are to contact me to verify if it is me and if I am the person applying for credit with them. This was not done with XXXX and as a result of this it cost me points and is listed as hard inquiries.","date_sent_to_company":"2019-08-26T19:53:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3354193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-08-26T19:53:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am having the same issue with XXXX XXXX XXXX from a <em>loan</em>/<em>lease</em> in XXXX. A car <em>lease</em> was purchased in my name sometime in XXXX with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for quite some time now to no avail. I have sent them requested <em>documents</em> more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information."]},"sort":[14.041204,"3354193"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":308,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":308}]}},"product":{"doc_count":308,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":110,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":108},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Mortgage","doc_count":52,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":20},{"key":"VA 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