{"took":278,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":215,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4621746","_score":24.188679,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX  from XXXX, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX  range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX  rate. Now there are 117 reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company XXXX is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-11T17:32:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/2021 <em>Closed</em> Marked as a duplicate complaint on <em>XX/XX</em>/2021 <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2021 <em>Closed</em> Company <em>responded</em> <em>XXXX</em> Credit reporting Incorrect information on <em>your</em> report <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Closed</em> Company <em>responded</em> <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Closed</em> Company <em>responded</em> <em>XXXX</em> Credit reporting Problem with a credit reporting company 's investigation into"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[24.188679,"4621746"]},{"_index":"complaint-public-v1","_id":"4621608","_score":24.089458,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX from Experian, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX rate. Now there are XXXX reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX  XXXX XXXX  XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-11T17:06:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/2021 <em>Closed</em> Marked as a duplicate complaint on <em>XX/XX</em>/2021 <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2021 <em>Closed</em> Company <em>responded</em> <em>XXXX</em> Credit reporting Incorrect information on <em>your</em> report EXPERIAN <em>XX/XX</em>/2021 <em>Closed</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Closed</em> Company <em>responded</em> <em>XXXX</em> Credit reporting Problem with a credit reporting company 's investigation into an"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[24.089458,"4621608"]},{"_index":"complaint-public-v1","_id":"2788556","_score":17.645485,"_source":{"product":"Student loan","complaint_what_happened":"In response to Complaint Five, 1. You state on XXXX, Having reviewed your account we have provided information to you regarding the following concerns : You have stated that we advised you that the Department of Education, Federal Student Aid advised us that we should not respond to borrowers in writing. \nYou want responses to your previous inquiries, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. \nYou would also like for us to stop the threatening phone calls in response to your first complaint filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. \nYou would like the forbearance applied as requested in XX/XX/XXXX, and you want an explanation about why your forbearance was not applied as requested. \nYou would like information about the different types of forbearances and deferments, as well as how interest capitalizes. \nYou want your student loan debt forgiven. \n\nAllow me to correct your iteration of what I want as state above : As previously specified, I dont want ; I demand that you fully address all written information requests previously submitted to you. You can not continue to avoid addressing the requests by responding with repetitive boilerplate, by referring me to other agencies, or by pointing me to other websites. Responding to borrower requests for information is your responsibility ; this has been confirmed by each of the agencies/websites you keep referring to. \nI demand that you explain why you lied in regard to the Department of Education and your legal department advising you not to respond to borrowers in writing. \nI demand that you discharge my loans as specified previously I said nothing about forgiving them. \nIn the immediate offing, I demand that you put my loans in forbearance per your approval of same and as requested. \nI demand that you hold yourself accountable for lying, for intentionally deceitful accounting practices, and for intentionally withholding accurate and timely information required to make time-sensitive informed decisions about my loans. \nAs not previously specified, I demand that you get out of the business of lending money to students. Your behavior is not only incompetent and deceitful, it is disgraceful. \n\n2. You also state : We have provided explanations for each of your concerns in our previous replies to your complaints filed with the CFPB on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. \nA copy of your payment history, your deferment and forbearance history, and your loan summary letter have been included for your records. \nMore information about deferments, forbearances, and how interest capitalizes, or is added to your principal balance, can be found at XXXX XXXX XXXX or on the individual deferment and forbearance applications. \nWe are unable to honor your request to remove your student loan debt. When you signed your Master Promissory Note, you promised to pay all amounts disbursed plus interest and other charges and fees, and a copy of your MPN has been included for your records. Information about deferments, forbearances, and interest capitalization can be found in your MPN. Again, weve responded to your concerns and consider this matter closed. Sincerely, XXXX XXXX Nelnet XXXX to your assertion that you have responded to all written requests, you have not responded to any of them. You also have still not addressed or corrected your application of the most recent forbearance request, and you have not addressed why you lied. As you say, again, answer all outstanding written requests for information, correct your accounting errors, discharge the loans, explain why you lied, agree to hold yourself accountable, and then get out of the lending business.","date_sent_to_company":"2018-01-21T13:00:51.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"220XX","tags":null,"has_narrative":true,"complaint_id":"2788556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2018-01-21T12:31:04.000Z","state":"VA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Information about deferments, forbearances, and interest capitalization can be found in <em>your</em> MPN. Again, weve <em>responded</em> to <em>your</em> concerns and consider this matter <em>closed</em>. Sincerely, <em>XXXX</em> <em>XXXX</em> Nelnet <em>XXXX</em> to <em>your</em> assertion that you have <em>responded</em> to all written requests, you have not <em>responded</em> to any of them. You also have still not addressed or corrected <em>your</em> application of the most recent forbearance request, and you have not addressed why you lied."],"issue":["Dealing with <em>your</em> <em>lender</em> or servicer"],"sub_issue":["Received bad information about <em>your</em> loan"]},"sort":[17.645485,"2788556"]},{"_index":"complaint-public-v1","_id":"3567285","_score":17.467943,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. \nNATIONAL AUTO LENDER Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. \n\nI am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. \n2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. \n3. Please provide a complete account history, including any charges added for collection activity. \n\n\nYou have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. \n\nFor the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.","date_sent_to_company":"2020-03-15T04:04:16.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"3567285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Auto Lenders, Inc.","date_received":"2020-03-15T03:41:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["Please evidence <em>your</em> authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. \n2. Please evidence proof of the alleged debt, including the alleged contract or <em>other</em> instrument bearing my signature. \n3. Please provide a complete <em>account</em> history, including any <em>charges</em> added for collection activity. \n\n\nYou have thirty ( 30 ) days from receipt of this notice to <em>respond</em>."],"company":["National Auto <em>Lenders</em>, Inc."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[17.467943,"3567285"]},{"_index":"complaint-public-v1","_id":"4322880","_score":16.917156,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am hereby disputing this debt in entirety, due to continuous inaccurate reporting to the 3 reporting agencies. Note, this is not an acknowledgment of liability for this debt in any way or form. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt.\n\nPlease provide validation of the debt by providing all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes your company to collect on this debt, if applicable Statement ( s ) from the original debt, itemization of monies owed and final balance.\n\nCopy of bill showing default date, last payment date, charge off and history of payments.\n\nProof that the debt is valid and collectible and within the statute of limitations Proof that you are licensed to collect in my state of residence Agreement between your company ( if applicable ) and the original creditor that authorizes you to collect on this debt Since I've given you multiple attempts and youre unable to validate the account or any of the information such as balance, past due, date updated, then you are to remove the account completely from my credit reports.\n\nOther reason for CFPB Complaint : Continuous changing of account balance, past due, date updated and other erroneous information on an aging CLOSED CHARGED OFF account. Please see below. \n\nThis account is CLOSED/Charged Off. The account balance, past due is inaccurate and keeps changing, randomly. \nThis account has been CLOSED/Charged Off since XX/XX/XXXX. Yet, In the last four months alone ( between XX/XX/XXXX and XXXX XXXX ), on five different dates, the balance/past due on this account changed without any reason or proof whatsoever, first it decreased on XX/XX/XXXX by {$1.00}, in addition to that, a notation was added on the account noting the account as late in XX/XX/XXXX, effectively trying to influence the Account Status as open, causing a significant drop in my credit score. \nAfter I filed a dispute to XXXX by phone, on XX/XX/XXXX, Lending Club reported new information and a balance decrease of {$800.00}. Then subsequently after the dispute was complete, the balance was reported again by Lending Club, inadvertently, with an increase of {$800.00} on XX/XX/XXXX. \nAfter I filed a second dispute with XXXX by Certified Mail explicitly asking for debt validation, the balance reported and past due by Lending club decreased again by {$800.00} on XX/XX/XXXX without any details of debt validation. Then I got another credit alert, that Lending Club has reported another increase of {$800.00} on balance and past due on XX/XX/XXXX. Throughout this period of inaccurate reporting, my credit score keeps taking a hit. \nLet me repeat, that this account is CLOSED. I have not communicated with Lending Club in any way since they Closed/Charged off this account inadvertently in XX/XX/XXXX, except through the credit agencies to dispute the account in its entirety. This is a fraudulent attempt by Lending Club to suppress the credit score on an aging account. \nPlease also note that this account is due to drop off the credit file completely in XXXX. \nI am now requesting that this item be completely deleted ( expunged ) from my credit report, especially considering the age of this file and the significant inaccuracies that can not be confirmed/validated. I ask that, after the item is completely expunged, a corrected credit profile is supplied to ALL 3 credit agencies and other creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.\n\nHistory of Action Recently Taken on Lending Club with 3 Credit Agencies After {$1.00} decrease, on XX/XX/XXXX, filed dispute with XXXX on Lending Club. \nOn XX/XX/XXXX, XXXX finished investigation, balance/past due further decreased by {$800.00} ( see attached file ) On XX/XX/XXXX, after observing new file additions, erroneous insertions and a {$800.00} balance/past due increase, sent a certified letter to XXXX, XXXX and XXXX to dispute entire debt, asking for a form of debt validation/verification from Lending Club. \nXXXX received the letter on XX/XX/XXXX XXXX XX/XX/XXXX, XXXX responded with results, balance decreased by {$800.00} and a number of fields were modified, yet there was no further data on debt verification/validation ( see attached file ) XXXX  received the letter on XX/XX/XXXX. \nOn XX/XX/XXXX, XXXX  responded with results, a number of fields were modified, yet no debt validation information ( see attached file ) XXXX received the letter on XX/XX/XXXX. \nXXXX did not post a letter with results nor did they do a debt validation","date_sent_to_company":"2021-04-24T17:26:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94117","tags":null,"has_narrative":true,"complaint_id":"4322880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lending Club Corp","date_received":"2021-04-24T16:57:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Other</em> reason for CFPB Complaint : Continuous changing of <em>account</em> balance, past due, date updated and <em>other</em> erroneous information on an aging <em>CLOSED</em> CHARGED OFF <em>account</em>. Please see below. \n\nThis <em>account</em> is <em>CLOSED</em>/Charged Off. The <em>account</em> balance, past due is inaccurate and keeps changing, randomly. \nThis <em>account</em> has been <em>CLOSED</em>/Charged Off since XX/XX/<em>XXXX</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company":["<em>Lending</em> Club Corp"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[16.917156,"4322880"]},{"_index":"complaint-public-v1","_id":"9131911","_score":16.846708,"_source":{"product":"Credit card","complaint_what_happened":"In late XXXX and early XXXX as I traveled frequently outside the US, my Chase credit card account was cloned or somehow used fraudulently without my knowledge or approval for goods or services I never approved or used. It would happen randomly over time, and each time I notified Chase of the issue, either through text, online chat, app, or phone call. They would investigate and find it was fraudulent as well. Several times I asked if it could be prevented or if I could get a new card, but they never completed that request. Then later in XXXX, Chase closed all of my accounts ( not just the affected credit card ) without notice. They have refused to open accounts since, even though it was fraudulent activity from identity theft ( and some incompetence in their own prevention teams ). \n\nI am unable to see any history since the accounts are closed, otherwise I could point out the several XXXX dollars of fraudulent charges they let through on my account, and the many message I sent to their customer service teams about the issue. \n\nAdditionally, since that time I still receive nearly weekly offers from Chase, may of which are pre-approved since my credit score is so high ( well above XXXX at all XXXX credit reporting agencies ). Thinking they have corrected their mistake, I have responded to a few. The account gets opened, the card arrives, and then gets canceled immediately. At this point I'm not sure if it's miscommunication among departments at Chase or harassment. But either way, it can be damaging to my credit history and score. \n\nI have sent several requests to get this fixed, but have never heard a specific reason for their inappropriate action. There is only generic message responses like : \" We closed your credit card account on XX/XX/XXXX, because we closed a previous credit card. '' Which doesn't explain anything. Direct emails and calls to the executive office have not been responded to either. \n\nTo make this crystal clear, I have included a FTC identity theft report that also covers my history with this fraudulent charges on the account. And what may be other potential violations of federal law like the Truth in Lending and CARD acts, I think a reasonable resolution is listed below.","date_sent_to_company":"2024-05-31T03:03:47.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80207","tags":null,"has_narrative":true,"complaint_id":"9131911","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-31T02:40:12.000Z","state":"CO","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["There is only generic message responses like : \" We <em>closed</em> <em>your</em> credit card <em>account</em> on XX/XX/<em>XXXX</em>, because we <em>closed</em> a previous credit card. '' Which doesn't explain anything. Direct emails and calls to the executive office have not been <em>responded</em> to either. \n\nTo make this crystal clear, I have included a FTC identity theft report that also covers my history with this fraudulent <em>charges</em> on the <em>account</em>."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[16.846708,"9131911"]},{"_index":"complaint-public-v1","_id":"12769430","_score":16.38274,"_source":{"product":"Checking or savings account","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account I am filing another complaint against 5/3 bank due to inaccurate statements they made regarding the above reference first complaint. \n\nThey stated on XX/XX/year> as a response to the above claim that the claim was denied due to the following : Our records indicate the activity is consistent with the location, type, or amount of purchases you have made in the past ; therefore, the dispute was denied. \n\n\nThis is inaccurate. The fraudlant activity began XX/XX/year> and continued for several days until all of my funds and an overdraft of {$3400.00} was the balance of my account. There should have be no previous credits on my account like the ones that were done for several days. I would attach the statements to prove this, but 5/3 bank closed the account. All 5/3 bank provided was the fradulant activity and not the suppose purchases that were made in the past. Also, they did not even mention the fact that the account was overdrawn and I did not authorize overdraft protection. \n\nPlease explaoin why the CFPB closed this claim without me being able to respond? You just took their word for it, which is inaccurate. Again, my account was depleted off all of the funds plus an overdraft of approximately {$3400.00} that I did not authorize or do on my own. Now 5/3 bank has turned me over to collections for the unpaid balance which again I did not do or authorize.","date_sent_to_company":"2025-04-01T21:05:31.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"49601","tags":"Servicemember","has_narrative":true,"complaint_id":"12769430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2025-04-01T20:48:20.000Z","state":"MI","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["COMPLAINT ID <em>XXXX</em> SUBMITTED ON XX/XX/year> PRODUCT Checking or savings <em>account</em> ISSUE Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> I am filing another complaint against 5/3 bank due to inaccurate statements they made regarding the above reference first complaint."],"product":["Checking or savings <em>account</em>"],"issue":["Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[16.38274,"12769430"]},{"_index":"complaint-public-v1","_id":"11262628","_score":16.183865,"_source":{"product":"Credit card","complaint_what_happened":"In XX/XX/year>, I had my phone and wallet stolen. And all the other credit card companies followed, normal procedures and reimbursed. The charges that were made by the individuals that stole the credit cards and debit cards. I filed a police report that said my accounts it all been hacked. It was part of a broader crime ring in XXXX XXXX and in fact, XXXX has changed it software since so that you cant change your password without an hour approval. For just that reason so that people couldnt shadow you get your six digit passcode to your XXXX and then get access to all of your accounts Plus since they stole my wallet they went to the US Postal Service and bought things for a dollar and asked for {$1000.00} of cash back during this chaotic 8 hours from XXXX XXXX  to XXXX. They sent an email to my wife who is a joint account owner asking whether this XXXX dollar withdrawal from an ATM was a proper charge and her not knowing and it being early in the morning and me being asleep in XXXX XXXX said yes. So when I went to file the claims with Chase Bank, they ultimately were all rejected under the presumption that I was behaving fraudulently. I subsequently sent them a copy of the police report and an explanation for which I never received a response and within a few months Chase had closed all of my accounts both a credit card thats linked to a United Airlines account and my bank account at Chase. At the time, I decided it didnt matter and I had other cards. \n\nFor background, I have a over XXXX credit score, I have a net worth in access of seven digits, and Ive never missed a payment on any of my credit cards or mortgages or any other lending based account. \n\nI thought nothing of it until I recently was given an offer to open it Chase United MasterCard via my United app because the points count towards your status on the airline and they accepted and issued me a new credit card and then this month I received a letter, which is dated XX/XX/XXXX saying they were going to close the credit card account. \n\nI find this anti-competitive behavior from what is largely a monopolistic bank chase, the largest bank in the country that they have the power to turn off your accounts and enclose your credit cards without any explanation whatsoever, and then on top of it that they would issue the card and let you have it for six weeks and then somehow in their back office process to decide that once again you cant own any accounts with Chase Manhattan bank, which is the largest bank in the country without giving me any explanation whatsoever And not responding to my letters. So most of me thinks its their loss but at some point, the Chase company needs to have some responsibility and oversight for their credit behavior when I clearly have sent them evidence that I was robbed that Ive already absorbed {$5000.00} worth of charges because they were the card that allowed the most Set of ridiculous charges including three transactions for {$990.00} as cash back for the US postal system that this behavior is inappropriate given my 25 to 30 history with the bank and my credit score and the fact that I sent them a letter, for which they never responded, that had the police report and it was an actual theft that I wasnt trying to scam them out of the money","date_sent_to_company":"2024-12-25T16:35:34.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"605XX","tags":null,"has_narrative":true,"complaint_id":"11262628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-25T16:11:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Account sold or transferred to another company"},"highlight":{"complaint_what_happened":["For background, I have a over <em>XXXX</em> credit score, I have a net worth in access of seven digits, and Ive never missed a payment on any of my credit cards or mortgages or any <em>other</em> <em>lending</em> based <em>account</em>."],"issue":["Trouble using <em>your</em> card"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["<em>Account</em> sold or transferred to another company"]},"sort":[16.183865,"11262628"]},{"_index":"complaint-public-v1","_id":"5085767","_score":16.064283,"_source":{"product":"Mortgage","complaint_what_happened":"This is in continuation of complaint XXXX and can not be opened again. I have discussed with CFPB officer and she suggested to raise new complaint. \nI want to raise complaint about rocket mortgage to follow unethical way of business and also hiding facts with CFPB as well. Please find below my case 1. Rocket Mortgage is the only lender who showed me an adjustment and other credit amount as XXXX dollars and told me this will be applied to your closing from Rocket Mortgage and approved by the vice president. recording can be requested to rocket mortgage and date is XXXX of XXXX. Rocket mortgage did an unethical way to get business from another lender by showing this value and not giving that amount in final closing. I have attached other four lenders, XXXX ( XXXX  ), XXXX  ( XXXX  ), XXXX XXXX XXXX ( XXXX and XXXX ) and XXXX XXXX  XXXX ( XXXX ). None of the lenders showed me adjustment and other credit amounts and for all of them the amount was zero. Refer document attached for your reference. Here my point stands that the rocket mortgage only lender showed this adjustment and other credits in the loan estimate with the same contract document and pulled the customer from other lenders. This is case of forgery showing something on loan estimate and delivering different in final closing.\n\n2. To confirm regarding those credits two recordings can be requested, one dated XXXX XXXX and XXXX XXXX. This will have all the info about those credits and discussion with XXXX and me. More direct proof is a recent one and that is XXXX XXXX. This will testify to all my statements and will clear who is lying. \n3. Regarding loan estimates from the rocket mortgage, the total cost with escrow account is XXXX dollars and without escrow is XXXX dollars ( XXXX dollars reduced from section XXXX and XXXX of XXXX, this is taxes and home insurance ). I have not selected an escrow and paid my home insurance as well as will pay taxes myself. so my total cost as per loan estimation is XXXX dollars.Now, you can refer to the closing disclosure doc XXXX copy.pdf and page no 4 where there are two columns, loan estimate and final closing, final no is XXXX dollars which is more than XXXX dollars as per loan estimate. Major Reason for this is that Rocket mortgage has not applied adjustment and credits amount in final disclosure as they promised during the loan estimate process to compensate my origination charges.\n\n4. Regarding adjustment and credits, I have not received any breakdown from them during the loan process and no one told me this is for prorated tax credit from the seller in my whole loan process. XXXX XXXX, investigating person from Rocket mortgage, always gave different statements then finally gave reason as loan doc sign, we can not reimburse those amounts. \n5. I have asked XXXX, add XXXX on our call and check the recording, she has not done those things. Only saying loan is close and can not do anything. \n6. Regarding loan closing doc sign, I have asked loan officer XXXX to correct home insurance charges, as they have added that amount extra on final closing. Then another revised doc was received, 1 day before I had asked XXXX about other credits, she confirmed all credits applied and did not tell me they reduced credits. I need to pay money via wire before XXXX CST for my closing and on her verbal approval signed those documents. I am also in believe, Rocket mortgage will not do such type of fraud and have trust on them as well as on XXXX. \n7. I have called and sent email to them to notify about this issue, XXXX was out of office and has not picked call, sent email to all of them, no one responded and then escalated to other members and XXXX was allocated to this case, from her first call I got to know, she is not going to help me and raised case with you. \n\nCharges against Rocket Mortgage : 1. Doing unethical way of doing business by showing big amount in adjustment and other credits and not fulfilling this numbers in final disclosure 2. Even though XXXX confirmed these charges are to compensate loan originate charges, XXXX and team don't want to help customers stating the loan is closed.\n\n3.They are deliberately giving false figures to CFPB as well as customer that cash to close was reduced to {$26000.00}. But, I have opted out escrow and paying taxes as well as home insurance myself. Cash to close increase from XXXX ( without escrow explained in point 3 above ) as per loan estimate to XXXX without escrow in final closing and in addition to that I got more credits from my realtor around XXXX dollars that was not included in loan estimate.\n\n4. Due to their adjustment and other credits, I need to pay around XXXX dollars as loan origination charges and I need to cancel the loan with better.com where I was just paying XXXX dollars for the same interest rate.\n\nHope, I make my case clear and I was also under the assumption Rocket Mortgage is a reputable lender but from the above statements they have not delivered what they promised. Please let me know if you need any more info.","date_sent_to_company":"2022-01-09T06:34:05.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"78727","tags":null,"has_narrative":true,"complaint_id":"5085767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2022-01-09T01:04:31.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have attached <em>other</em> four <em>lenders</em>, <em>XXXX</em> ( <em>XXXX</em>  ), <em>XXXX</em>  ( <em>XXXX</em>  ), <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> and <em>XXXX</em> ) and <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> ( <em>XXXX</em> ). None of the <em>lenders</em> showed me adjustment and <em>other</em> credit amounts and for all of them the amount was zero. Refer document attached for <em>your</em> reference. Here my point stands that the rocket mortgage only <em>lender</em> showed this adjustment and <em>other</em> credits in the loan estimate with the same contract document and pulled the customer from <em>other</em> <em>lenders</em>."]},"sort":[16.064283,"5085767"]},{"_index":"complaint-public-v1","_id":"10811029","_score":15.528674,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"XXXX XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] World Finance Corporation [ XXXX XXXX XXXX XXXX ] [ XXXX, SC XXXX ] Subject : Request for Verification of Account Charges and Documentation Dear World Finance Corporation, I am writing to formally request clarification and verification regarding the management and status of my account, which I believe has been charged off. Specifically, I would like to understand the discrepancies surrounding the initial charge-off amount of {$180.00}, the subsequent accumulation of fees, and the current balance, which has risen over the past 81 months from a closed cap of {$240.00} to {$290.00}. \n\n1. **Verification of Charges : ** Please provide a detailed documentation explaining how the account went from a charged-off status with an original balance of {$180.00} to accumulating charges resulting in a current balance of {$290.00}. I would like a complete breakdown, in consumer layman terms, of all fees, interest, and other charges that have been applied monthly leading to this increase. An explanation of the legality and methods used to calculate these charges over the 81 months would be greatly appreciated to fully illuminate this matter. That includes but not limited to insight and source of all applied codes and updates to original contract and balance/loan updates.\n\n2. **Original Agreement : ** Kindly send me a copy of the original agreement to verify the terms under which the account was opened. Additionally, I seek clarification on whether a deferment status or code could have been added to the agreement after the completion of the initial contract and the implications this may have had on the account.\n\n3. **Charge Off Documentation : ** I would also like to obtain the charge-off documentation that supports the continuous reporting of different charge-off amounts, including the transition from the initial {$180.00} charge-off figure.\n\nI am concerned that the actions taken regarding my account may not align with the requirements and protections set forth under the Truth in Lending Act ( TILA ) and Regulation Z.\n\nPlease respond to my request within 30 days, as this information is crucial for understanding my rights and obligations related to this account. Thank you for your attention to this matter. \n\nSincerely, [ XXXX XXXX XXXX ] [ XXXX ]","date_sent_to_company":"2024-11-15T19:37:56.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"10811029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Acceptance Corporation","date_received":"2024-11-15T19:31:02.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am concerned that the actions taken regarding my <em>account</em> may not align with the requirements and protections set forth under the Truth in <em>Lending</em> Act ( TILA ) and Regulation Z.\n\nPlease <em>respond</em> to my request within 30 days, as this information is crucial for understanding my rights and obligations related to this <em>account</em>. Thank you for <em>your</em> attention to this matter. \n\nSincerely, [ <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em> ]"]},"sort":[15.528674,"10811029"]},{"_index":"complaint-public-v1","_id":"3156484","_score":15.443552,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After many phone calls to XXXX XXXX they refuse to answer the phone on a Charge that i never sign or had any dealings with! From a Merchant with no consent nor was any card swipe or used!!!!  THIS MERCHANT STOLE FUNDS MY ACCOUNT CALLED XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY Transportation Edit - $ XXXX-Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for unauthorized charges. The XXXX XXXX place a fake charge on the account. But Why??? Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you  report it lost or stolen, your liability depends on how quickly you report it : The liable for those transactions are XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NY not so superior! \nPlease Note : Most fraud prevention features are designed for card-present environments. Visa, for example, has deployed a number of anti-fraud measures designed to make card reproduction extremely difficult, including holograms and embossed security characters on the face of the card. Moreover, the signature and magnetic strip on the back of the card are designed to ensure that the person using the card is the actual cardholder. Merchants are not liable for fraud when card-present transactions are properly authenticated. \nOnline platforms, however, typically facilitate card-not-present transactions ( card payments made without physically swiping a card ). On a website, buyers enter credit card data into a form they do not hand their card to a cashier. Unfortunately, card-not-present transactions are highly susceptible to fraud and abuse, for which merchants and payment facilitators are held liable. \nChargebacks. \nWhen a cardholder disputes a charge with their bank ( the issuing bank ), the bank may reverse the payment and refund the cardholder, after an investigation. This is called a chargeback. \nCardholders are protected from the financial liability of unauthorized credit card transactions by Regulation Z of the Truth in Lending Act and unauthorized debit card transactions by Regulation E of  the Electronic Fund Transfer Act. Card Associations have even broader rules with further added protections. When fraudulent transactions do occur, a well-defined chain of liability determines who is ultimately responsible for making restitution to the cardholder. Payment facilitators must recover chargebacks from merchants who generate them, or else write off the full amount of the chargeback as a loss. \nFor chargebacks resulting from card-not-present transactions, the issuing bank recovers the funds from the merchants bank ( the acquiring bank ), and the acquiring bank recovers the funds from the merchant. \nSince most chargebacks are received weeks or months after the original payment, it is sometimes difficult to recover the funds from the merchant. This is why acquirers are so conservative in their underwriting : an acquirer will typically research the financial stability, creditworthiness, and underlying riskiness of a business ; it will implement special funding policies ( such as reserves or holdbacks ) to  mitigate loss ; and it will require personal guarantees from business owners, whom it will hold personally liable for the businesss financial obligations. \nConsumer Protections Available Regulation Z The Truth in Lending Act ( TILA ), as implemented by Regulation Z, provides a billing error dispute process for open-end credit, such as credit cards. In order to take advantage of the protections offered by Regulation Z, you must notify the lender of any billing errors by : providing the notice in writing, enabling the lender to identify your name and account number, stating why you believe there is a billing error, including the type, date, and amount of the error, and sending the notice in a timely manner so that the lender receives it, at the address specified for billing inquiries, no later than 60 days after the lender sent the first billing statement reflecting the error. \nOnce you properly notify the lender about an error on your statement, it must acknowledge that it received this notification within 30 days, unless the problem has been resolved. The lender must investigate and resolve the issue within two complete billing cycles ( but in no event later than 90 days ) after receiving the billing error notice.\n\nWhile the lender conducts its investigation into the billing error : You may withhold payment of the disputed amount and related charges ( but any part of the bill not in question, including finance charges on undisputed amounts must be paid in accordance with account terms ).\n\nThe lender may not take legal or collection action on the disputed amount.\n\nThe lender may not report your account as delinquent, accelerate your debt, restrict your account, or close your account.\n\nIf the lender confirms there is a billing error on your account, it must send you a written explanation of the corrections made to your account. In addition to crediting your account for the disputed amount, the lender must also remove all finance charges, late fees, or other charges related to the error. If the investigation reveals no error occurred, it must send you a written explanation of the amount you owe, and you are responsible for paying the disputed amount, plus any finance charges that accumulated during the investigation. \nYou may request copies of relevant documents used in the lenders investigation. If you disagree with the results of the investigation, you may write to the lender within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. The lender may begin collection procedures and may report your account as delinquent to credit reporting agencies, but it must also note that you disagree with the amount owed.\n\nIn addition to the consumer protections associated with billing errors, Regulation Z also contains special credit card provisions that limit your liability for unauthorized use of a credit card. A credit card holders liability is limited to {$50.00} for unauthorized use before the cardholder notifies the card issuer. Notification may be given in person, by telephone, or in writing.\n\nRegulation E The Electronic Fund Transfer Act ( EFTA ), as implemented by Regulation E, provides basic protections for consumers with electronic direct deposits or who use debit cards to access their deposit account held directly or indirectly at a bank. These protections include timeframes by which a bank must investigate and determine whether an error occurred when you notify your bank of an error and, in some cases, requirements to provide provisional credit while the investigation is performed. \nFor example, if you notify your bank of a potential account error, Regulation E requires a bank to investigate and determine whether an error occurred within 10 business days of receiving your notice ( or 20 business days for new accounts ). If a bank is unable to complete its investigation within the appropriate timeframe, it may take up to 45 days to determine whether an error occurred. But in these cases, banks must generally provide consumers with a provisional credit to their account within 10 days of the bank receiving the error notice. Also, banks must notify consumers about the provisional credit within two days of providing the credit.\n\nSome banks may require you to submit an error notice in writing after you provide notice orally. If the bank does not receive written confirmation within 10 business days of receiving the initial notice of an error, the bank is not required to provide provisional credit. The time period for the investigation may be extended to 90 days if the error involved an electronic transfer initiated outside of the United States, a point-of-sale debit card transaction, or a transaction involving a new account within 30 days of being opened.\n\nIf the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ).\n\nIf a bank determines that no error occurred or that an error occurred in a manner or amount different from that described in your notice, the bank must send a written explanation of its findings and note your right to request the documents the bank relied on for its investigation. When the bank debits the funds provisionally credited to your account during the investigation, it must provide you with the date and amount debited. In addition, the bank must inform you that it will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from your account ( without charge as a result of an overdraft ) for five business days after the notification.\n\nDisputing a Credit Card Billing Error Many credit card issuers have policies against sellers charging a credit card account before shipment. If you think a seller charged your account too soon, report it to the credit card issuer. Otherwise, the issuer has no way to know the seller isnt following its policies.\n\nTo dispute the billing error with your credit card issuer, you must : write to the credit card issuer at the address given for billing inquiries, not the address for sending your payments, and include your name, address, account number, and a description of the billing error. Use our sample letter.\n\nsend your letter so that it reaches the credit card issuer within 60 days after the first bill with the error was mailed to you. Its a good idea to send your letter by certified mail ; ask for a return receipt so you have proof of what the credit card issuer received. Include copies ( not originals ) of sales slips or other documents that support your position. Keep a copy of your dispute letter.\n\nThe credit card issuer must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The issuer must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter.\n\nYou may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount.\n\nThe credit card issuer may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account cant be closed or restricted, the disputed amount can be applied against your credit limit.\n\nBut what if You placed an order with a catalog company and they charged your credit card immediately. The catalog company contacts you two weeks later and says the shipment will be delayed 60 days. You agree to the delay. The 60 days have passed, and you may be outside of the time to dispute the charges. Can you still dispute the charge?\n\nMaybe. When a shipment is delayed, credit card issuers often are more generous when they calculate the time for allowing disputes, and may extend the 60-day period. To take advantage of this flexibility, include the following information in your dispute letter.\n\nTell the credit card issuer if you didnt expect to be charged for the merchandise before it was shipped. Some credit card issuers make an exception to the general industry rule against sellers charging before shipping if the seller tells you about its practice at the time of sale. If youre sure the seller said nothing or wasnt clear about its charge practice, the credit card issuer is more likely to allow the dispute.\n\nTell the credit card issuer when delivery was expected. Some issuers use the expected date of delivery rather than the charge date as the start time for you to dispute charges. If you dispute the charge within a reasonable time after the expected delivery date passes, chances are good that the card issuer will honor the dispute. When you order or when a seller notifies you of delayed shipment, its important to keep a record of the promised shipment or delivery date. Include a copy of any documentation of the shipment or delivery date when disputing the charge with your card issuer.\n\nDisputing a Debit Card Charge The consumer protections for a debit card differ from protections for a credit card. You may not be able to dispute a debit and get a refund for non-delivery or late delivery. Still, some debit card issuers may voluntarily offer protections and solutions to problems like not getting merchandise you bought with a debit card. See our sample letter, and contact your debit card issuer for more information.\n\nYour Rights When Shopping by Phone, Mail or Online The Mail, Internet, or Telephone Order Merchandise Rule applies to most goods you order by mail, phone, fax, or online. It requires sellers to have a reasonable basis for claiming they can ship an order within a certain time and details what sellers should do if there is a delay.\n\nShip Dates By law, a seller should ship your order within the time stated in its ads or over the phone. If the seller doesnt promise a time, you can expect it to ship your order within 30 days.\n\nThe shipment clock begins when the seller receives a properly completed order. That includes your name, address and payment ( check, money order or authorization to charge an existing credit account whether the account is charged at that time or not ).\n\nIf the seller doesnt promise a shipping time, and you are applying for credit to pay for your purchase, the seller has an additional 20 days ( 50 days total ) to establish the account and ship the merchandise.\n\nDelays If the seller is unable to ship within the promised time, it must notify you, give a revised shipping date and give you the chance to cancel for a full refund or accept the new shipping date. The seller also must give you some way to exercise the cancellation option for free for example, by supplying a prepaid reply card or staffing a toll-free telephone number.\n\nIf you dont respond and the delay is 30 days or less its assumed that you accept the delay and are willing to wait for the merchandise.\n\nIf you dont respond and the delay is more than 30 days the order must be canceled by the 30th day of the delay period and a full refund issued promptly.\n\nIf the seller cant meet the revised shipping date, it must notify you again by mail, email or telephone and give you a new shipping date or cancel your order and give you a refund.\n\nThe order should be canceled and a refund issued promptly unless you indicate by the revised shipping date that you are willing to wait.\n\nIf you dont respond to the second notice, the seller should assume that you are not willing to wait issue a full refund promptly.\n\nRefunds If you pay by cash, check or money order, or a non-seller credit card, the seller must give you a refund within seven working days after the order is canceled.\n\nIf you pay by credit card where the seller is the card issuer, the seller must credit your account within one billing cycle after the order is canceled.\n\nShopping Tips Follow these tips for hassle-free shopping.\n\nConsider your experience with the company or its general reputation before you order. If youve never heard of the seller, enter its name in a search engine with words like complaint or scam, and read about other peoples experiences with the company. In addition, contact your state Attorney General, and local consumer protection agency to see if any complaints are on file.\n\nCheck out the companys refund and return policies, the items availability, and the total cost of your purchase before you place your order.\n\nGet a shipment date.\n\nKeep records of your order, like the website, ad or catalog from which you ordered ; the companys name, address and phone number ; any promises the company made about shipping and when they were made ; the date of your order ; and a copy of the order form you sent to the company. If youre ordering by phone, keep a list of the items, their stock codes, and the order confirmation code ; your canceled check or the charge or debit statement showing the charge for your order ; and any communications to or from the company.\n\nTrack your purchases. When you order online, keep printouts of the web pages with the details of the transaction, including the sellers return policies, in case youre not satisfied.Complaints help the FTC and other law enforcement agencies bring scam artists to justice and put an end to unfair and misleading business practices. If you have a complaint, file it online or call XXXX. \nCredit Cards, Personal Finance At XXXX, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Heres how we make money. \n\nIf you see a purchase on your credit card statement that you didnt make, be sure to correct the mistake right away. It could be a simple mistake like a double swipe of your card, for example or it could be someone trying to make a little extra money off of a restaurant bill. Heres how to fix a mistake on your statement, and to make sure youre safe. \n1. Talk to the merchant Before you get yourself involved in a lengthy formal dispute, speak with the merchant. Bring your receipt and credit card statement, and take the time to explain the discrepancy. The merchant may clear up the mistake without having to involve the credit card company. If not, take your complaint to the next level. \n2. Prepare your paperwork While the error on your statement might seem obvious to you, you still need to make a strong case. Keep a record of the receipts, credit card statement and anything else that can add to the paper trail. Errors to look out for include : Returns that didnt lead to a credit on your statement.\n\nErroneous dates.\n\nBills sent to the wrong address ( so long as youve notified your creditor of your address change within 20 days ).\n\nMathematical errors. \nAnd, of course, charges for purchases you didnt make. \n\nGather any relevant receipts and documents supporting your claims and make copies. Keep the originals for your records, and gather the copies for your creditor. \n\nRemember : Never give your account information to someone you dont know, and avoid emailing sensitive data like your account number or Social Security number. Also, never give your information when a caller claims to represent your bank or card issuer. Instead, say youll call back, then call the customer service number listed on the banks website or the back of your card. Dont fall victim to a scam! \nWrite to your creditor Within 60 days of receiving the bill in question, send a letter outlining your objection and copies of your proof in an envelope addressed to your creditors department for billing inquiries. To be on the safe side, send the letter by certified mail, so you receive a receipt when it arrives at your creditors headquarters. Save the receipt proving they received your dispute with the other documents youre using to make your case. \n\nYou can also choose to dispute electronically, if the creditors website allows for that. Save any emails you get in return saying your dispute was received. \nFinal stretch : waiting for a response You creditor is required to respond within 30 days of your complaint, and the dispute must be resolved within 90 days, or two billing cycles.\n\nIn the meantime, you dont have to pay for the purchase in question, you must only pay for everything else on your statement. However, keep in mind that if your creditor finds your evidence insufficient, youll have to pay for the purchase in question, plus any interest that has accrued since. \n\nIf your creditor accepts your claim, all charges related to the error will be removed from your statement. If it does not accept your claim, it has to explain to you in writing exactly why the mistake is in fact a not a mistake, and youll have 10 days to challenge that conclusion.","date_sent_to_company":"2019-02-20T07:42:14.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"14228","tags":null,"has_narrative":true,"complaint_id":"3156484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-02-20T02:03:12.000Z","state":"NY","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["If the <em>lender</em> confirms there is a billing error on <em>your</em> <em>account</em>, it must send you a written explanation of the corrections made to <em>your</em> <em>account</em>. In addition to crediting <em>your</em> <em>account</em> for the disputed amount, the <em>lender</em> must also remove all finance <em>charges</em>, late fees, or <em>other</em> <em>charges</em> related to the error."]},"sort":[15.443552,"3156484"]},{"_index":"complaint-public-v1","_id":"2571112","_score":15.370886,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT This is my 3rd and final letter, to which I have created  a paper trail  with signatures proof you have received these letters.  <P/> ( Letters  1-2  as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of    XXXX   XXXX   2017 , that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS  XXXX  View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX  We 've sent your complaint to the company, and we will let you know when they respond.  <P/> Their response should include the steps they took, or will take, to address your complaint.  <P/> You should receive an update from the company within the next 15 days, and a final response within 60 days.  <P/> Company responded STATUS Company responded on XX/XX/XXXX    RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have  four Private Signature Select  Loans that are currently in default. As of   XX/XX/XXXX  , the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School,  XXXX , and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your  Promissory Notes.  Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your  Private Signature Select  Loans defaulted due to non-payment in  XXXX  of  XXXX . We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced  Interest Rate Program  for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to  0.001  percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact  XXXX   XXXX   XXXX  at  XXXX . The Fair Credit Reporting Act requires lenders and servicers, such as  XXXX , who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law,  XXXX  can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as  XXXX , who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the  Consumer Reporting  Agencies. If you wish to have this narrative removed from your credit report, please write to us at  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX . Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report.   Feedback provided STATUS Feedback provided on  XX/XX/XXXX  Your feedback In the company response they stated that ( \" This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans . ( AND TE  COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper  paper trail  and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of   XX/XX/XXXX  , that together with your assurance that you will except payment What happens now?  <P/> The complaint process is complete and your complaint is now closed.  <P/> We have taken the following additional actions on your complaint : We added your complaint to the  CFPBs Consumer Complaint Database.    Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website.   We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies.   We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who  may  have similar issues and concerns.  <P/> Closed  The  CFPB has closed your complaint.","date_sent_to_company":"2017-07-11T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2571112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-11T18:55:41.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<P/> Their response should include the steps they took, or will take, to address <em>your</em> complaint.  <P/> You should receive an update from the company within the next 15 days, and a final response within 60 days.  <P/> Company <em>responded</em> STATUS Company <em>responded</em> on XX/XX/<em>XXXX</em>    RESPONSE TYPE <em>Closed</em> with explanation Company 's Response Thank you for reaching out to the CFPB with <em>your</em> concerns regarding <em>your</em> student loan <em>account</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[15.370886,"2571112"]},{"_index":"complaint-public-v1","_id":"2571046","_score":15.329879,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT This is my 3rd and final letter, to which I have created a paper trail with  signatures proof you have received these letters. <P/>( Letters 1-2 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. <P/>Their response should include the steps they took, or will take, to address your complaint. <P/>You should receive an update from the company within the next 15 days, and a final response within 60 days. <P/>Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have four Private Signature Select Loans that are currently in default. As of XX/XX/XXXX, the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School, Grace, and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your Private Signature Select Loans defaulted due to non-payment in XX/XX/XXXX. We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced Interest Rate Program for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to 0.001 percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact XXXX XXXX XXXX at XXXX. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law, XXXX can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the Consumer Reporting Agencies. If you wish to have this narrative removed from your credit report, please write to us at XXXX. XXXX XXXX, XXXX, PA XXXX. Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report. Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback In the company response they stated that ( \" This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ( AND TE COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper paper trail and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment What happens now? <P/>The complaint process is complete and your complaint is now closed. <P/>We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who may have similar issues and concerns. <P/>Closed The CFPB has closed your complaint.","date_sent_to_company":"2017-07-11T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2571046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-11T18:55:41.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<P/>Their response should include the steps they took, or will take, to address <em>your</em> complaint. <P/>You should receive an update from the company within the next 15 days, and a final response within 60 days. <P/>Company <em>responded</em> STATUS Company <em>responded</em> on XX/XX/<em>XXXX</em> RESPONSE TYPE <em>Closed</em> with explanation Company 's Response Thank you for reaching out to the CFPB with <em>your</em> concerns regarding <em>your</em> student loan <em>account</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[15.329879,"2571046"]},{"_index":"complaint-public-v1","_id":"7443915","_score":15.256967,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern : I found inaccurate information on my credit reports ( XXXX, XXXX  and transunion. ) 15 UCS 1681. I am asking all delinquent accounts be removed from all 3 credit bPlease be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from any company that you represent, for a debt that I don't owe or shows delinquent, is a violation of the FCRA & FDCPA. \nPending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. \nFailure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. \nI would be seeking a minimum of XXXX in damages per violation for : * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) irch non-compliance of federal laws under the Fair Debt Collection Practices + Act, the Fair Credit Reporting Act, and the corresponding local state laws.\n\nI further remind you that you may be liable for your willful non-compli-ance.\n\nFailure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of XXXX in damages per violation for : 1602 * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX  XXXX XXXX, XXXX Overview {$0.00} Closed Youre currently using 0 % of your account 's limit. \nBalance : {$0.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Credit limit : {$1400.00} XXXX Charge Off XX/XX/XXXX XXXX XXXX, XXXX Credit Card Individual Remarks Account Legally Paid In Full For Less Than Full Balance Times XX/XX/XXXX Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment Current Payment Status Amount Past Due Payment history Youve made 38 % of payments for this account on time. \nXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CC CC CC CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} {$0.00} Collection/Charge- off XX/XX/XXXX Overview {$0.00} Closed Youre currently using 0 % of your account 's limit. \nYoure currently using 0 % of your account 's limit. \nBalance : Credit limit : {$0.00} {$2000.00} Account details Balance : {$0.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Remarks Purchased By Another Lender Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment Current Payment Status Amount Past Due Payment history No history is available Creditor information XXXX Account ID : XXXX XXXX XXXX Unpaid Balance Reported As A Loss Remarks By XXXX XXXX, Transferred To Another Lender Credit limit : {$2000.00} XXXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card XXXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card {$2200.00} {$2000.00} {$0.00} Collection/Charge- off XXXX XXXX {$2000.00} {$0.00} Collection/Charge- off Account Number Account Status XXXX XXXX XX/XX/XXXX Overview {$190.00} Closed XX/XX/XXXX Overview {$190.00} Closed Youre currently using 63 % of your account 's limit. \nYoure currently using 63 % of your account 's limit. \nBalance : Credit limit : {$190.00} {$300.00} Balance : {$190.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Remarks Profit And Loss Writeoff Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment XXXX XXXX {$490.00} {$300.00} {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Overview {$9700.00} Closed 90 90dayspastdue 120 120 days past due 150 150 days past due BR Bankruptcy RF Repossession or foreclosure CC Collection or charge off VS Voluntary surrender N/A No data available Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Account ID : XXXX XX/XX/XXXX Overview {$9700.00} Closed Youre currently using 121 % of your account 's limit. \nYoure currently using 121 % of your account 's limit. \nBalance : Credit limit : {$9700.00} {$8000.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Unpaid Balance Reported As A Loss Remarks By XXXX XXXX, Dispute Resolved - Consumer Disagrees Times 30/60/90 Days Late 8/5/3 Month 's Reviewed 80 Term Source Type","date_sent_to_company":"2023-08-23T05:56:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85234","tags":null,"has_narrative":true,"complaint_id":"7443915","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-23T05:56:10.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":[", Transferred To Another <em>Lender</em> Credit limit : {$2000.00} <em>XXXX</em> <em>Charge</em> Off XX/XX/<em>XXXX</em> XX/XX/<em>XXXX</em> Credit Card <em>XXXX</em> <em>Charge</em> Off XX/XX/<em>XXXX</em> XX/XX/<em>XXXX</em> Credit Card {$2200.00} {$2000.00} {$0.00} Collection/<em>Charge</em>- off <em>XXXX</em> <em>XXXX</em> {$2000.00} {$0.00} Collection/<em>Charge</em>- off <em>Account</em> Number <em>Account</em> Status <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> Overview {$190.00} <em>Closed</em> XX/XX/<em>XXXX</em> Overview {$190.00} <em>Closed</em> Youre currently using 63 % of <em>your</em> <em>account</em> 's limit."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[15.256967,"7443915"]},{"_index":"complaint-public-v1","_id":"7443914","_score":15.244762,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern : I found inaccurate information on my credit reports ( XXXX, experian  and XXXX. ) 15 UCS 1681. I am asking all delinquent accounts be removed from all 3 credit bPlease be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from any company that you represent, for a debt that I don't owe or shows delinquent, is a violation of the FCRA & FDCPA. \nPending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.\n\nFailure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. \nI would be seeking a minimum of XXXX in damages per violation for : * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) irch non-compliance of federal laws under the Fair Debt Collection Practices + Act, the Fair Credit Reporting Act, and the corresponding local state laws.\n\nI further remind you that you may be liable for your willful non-compli-ance.\n\nFailure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of XXXX in damages per violation for : 1602 * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX  XXXX XXXX, XXXX Overview {$0.00} Closed Youre currently using 0 % of your account 's limit. \nBalance : {$0.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Credit limit : {$1400.00} XXXX Charge Off XX/XX/XXXX XXXX XXXX, XXXX Credit Card Individual Remarks Account Legally Paid In Full For Less Than Full Balance Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment Current Payment Status Amount Past Due Payment history Youve made 38 % of payments for this account on time. \nXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CC CC CC CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Dec 1/1/4 29 {$1400.00} {$0.00} Collection/Charge- off XX/XX/XXXX Overview {$0.00} Closed Youre currently using 0 % of your account 's limit. \nYoure currently using 0 % of your account 's limit. \nBalance : Credit limit : {$0.00} {$2000.00} Account details Balance : {$0.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Remarks Purchased By Another Lender Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment Current Payment Status Amount Past Due Payment history No history is available Creditor information XXXX Account ID : XXXX XXXX XXXX Unpaid Balance Reported As A Loss Remarks By Credit Grantor, Transferred To Another Lender Credit limit : {$2000.00} XXXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card XXXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card {$2200.00} {$2000.00} {$0.00} Collection/Charge- off XXXX XXXX {$2000.00} {$0.00} Collection/Charge- off Account Number Account Status XXXX XXXX XX/XX/XXXX Overview {$190.00} Closed XX/XX/XXXX Overview {$190.00} Closed Youre currently using 63 % of your account 's limit. \nYoure currently using 63 % of your account 's limit. \nBalance : Credit limit : {$190.00} {$300.00} Balance : {$190.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Remarks Profit And Loss Writeoff Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment 0/0/0 0 {$490.00} {$300.00} {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Overview {$9700.00} Closed 90 90dayspastdue 120 120 days past due 150 150 days past due BR Bankruptcy RF Repossession or foreclosure CC Collection or charge off VS Voluntary surrender N/A No data available Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Account ID : XXXX XX/XX/XXXX Overview {$9700.00} Closed Youre currently using 121 % of your account 's limit.\n\nYoure currently using 121 % of your account 's limit.\n\nBalance : Credit limit : {$9700.00} {$8000.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Unpaid Balance Reported As A Loss Remarks By Credit Grantor, Dispute Resolved - Consumer Disagrees Times 30/60/90 Days Late XXXX Month 's Reviewed 80 Term Source Type","date_sent_to_company":"2023-08-23T05:56:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85234","tags":null,"has_narrative":true,"complaint_id":"7443914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-23T05:56:10.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Grantor, Transferred To Another <em>Lender</em> Credit limit : {$2000.00} <em>XXXX</em> <em>Charge</em> Off XX/XX/<em>XXXX</em> XX/XX/<em>XXXX</em> Credit Card <em>XXXX</em> <em>Charge</em> Off XX/XX/<em>XXXX</em> XX/XX/<em>XXXX</em> Credit Card {$2200.00} {$2000.00} {$0.00} Collection/<em>Charge</em>- off <em>XXXX</em> <em>XXXX</em> {$2000.00} {$0.00} Collection/<em>Charge</em>- off <em>Account</em> Number <em>Account</em> Status <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> Overview {$190.00} <em>Closed</em> XX/XX/<em>XXXX</em> Overview {$190.00} <em>Closed</em> Youre currently using 63 % of <em>your</em> <em>account</em> 's limit."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[15.244762,"7443914"]},{"_index":"complaint-public-v1","_id":"14759014","_score":15.145952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Charge-Off under FCRA ( 15 U.S.C. 1681i ) and FCBA ( 15 U.S.C. 1666 ) To Whom It May Concern in TransUnion Dispute Department I am formally disputing an inaccurate and potentially misleading item on my credit report, as provided to you under my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. \nThe account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Bank Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Account Status : Closed on XX/XX/XXXX Payment Status : Collection/Charge-off Last Payment : XX/XX/XXXX Charged Off : XX/XX/XXXX Creditor Remarks : Charged Off as a bad debt | Profit and Loss write-off Past Due Amount | Balanced Owed : {$1300.00} I am disputing the accuracy of the reporting of this account, particularly the designations of \" Charged Off '' '' Past Due Last Payment on XXXX and Closed Date on XXXX. These terms are factually inaccurate and do not reflect the correct status of the account. Such reporting misleads creditors and potential lenders and is a violation of your obligation to maintain complete and accurate information as required by FCRA XXXX ( b ). \nTo support my dispute, I am requesting that you conduct a full investigation under the FCRA and verify the accuracy of the information being reported. Specifically, I request the following : XXXX. A copy of the original signed contract or application bearing my signature ; XXXX. A full account payment history and accounting of the balance ; XXXX. Documentation showing XXXX XXXX XXXX  still owns or legally services this debt ( or if it was transferred/sold, details of the chain of custody ) ; 18. The name and contact details of the furnisher who verified this information ; 19. Evidence that this charge-off has not been settled, satisfied, or otherwise closed through legal, financial, or securitization mechanisms ; 20. All documentation used to verify the account, as required under FCRA 611 ( 15 U.S.C. 1681i ) ; 21. Confirmation that this information is being reported in full compliance with the FCRA, and that it does not misrepresent the current legal or financial status of the account.\n\nUntil the results of this investigation are complete, please mark this account as in dispute on my credit report, in compliance with FCRA 1681c ( f ). If the requested documentation is not provided within 30 days, or if you can not substantiate the validity of this information, I request the immediate removal of this account from my credit file.\n\nPlease respond to my dispute at the address above. A failure to respond adequately may result in legal action under the FCRA and other applicable consumer protection statutes. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-19T22:47:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06082","tags":null,"has_narrative":true,"complaint_id":"14759014","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-19T22:46:49.000Z","state":"CT","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A failure to <em>respond</em> adequately may result in legal action under the FCRA and <em>other</em> applicable consumer protection statutes. \nSincerely, <em>XXXX</em> <em>XXXX</em>"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[15.145952,"14759014"]},{"_index":"complaint-public-v1","_id":"14790779","_score":15.107802,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Charge-Off under FCRA ( 15 U.S.C. 1681i ) and FCBA ( 15 U.S.C. 1666 ) To Whom It May Concern in TransUnion Dispute Department I am formally disputing an inaccurate and potentially misleading item on my credit report, as provided to you under my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. \nThe account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Bank Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Account Status : Closed on XX/XX/XXXX Payment Status : Collection/Charge-off Last Payment : XX/XX/XXXX Charged Off : XX/XX/XXXX Creditor Remarks : Charged Off as a bad debt | Profit and Loss write-off Past Due Amount | Balanced Owed : {$1300.00} I am disputing the accuracy of the reporting of this account, particularly the designations of \" Charged Off '' '' Past Due Last Payment on XXXX and Closed Date on XXXX. These terms are factually inaccurate and do not reflect the correct status of the account. Such reporting misleads creditors and potential lenders and is a violation of your obligation to maintain complete and accurate information as required by FCRA XXXX ( b ). \nTo support my dispute, I am requesting that you conduct a full investigation under the FCRA and verify the accuracy of the information being reported. Specifically, I request the following : XXXX. A copy of the original signed contract or application bearing my signature ; XXXX. A full account payment history and accounting of the balance ; XXXX. Documentation showing XXXX XXXX XXXX  still owns or legally services this debt ( or if it was transferred/sold, details of the chain of custody ) ; 18. The name and contact details of the furnisher who verified this information ; 19. Evidence that this charge-off has not been settled, satisfied, or otherwise closed through legal, financial, or securitization mechanisms ; 20. All documentation used to verify the account, as required under FCRA 611 ( 15 U.S.C. 1681i ) ; 21. Confirmation that this information is being reported in full compliance with the FCRA, and that it does not misrepresent the current legal or financial status of the account.\n\nUntil the results of this investigation are complete, please mark this account as in dispute on my credit report, in compliance with FCRA 1681c ( f ). If the requested documentation is not provided within 30 days, or if you can not substantiate the validity of this information, I request the immediate removal of this account from my credit file.\n\nPlease respond to my dispute at the address above. A failure to respond adequately may result in legal action under the FCRA and other applicable consumer protection statutes. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-19T22:47:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06082","tags":null,"has_narrative":true,"complaint_id":"14790779","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-19T22:31:33.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A failure to <em>respond</em> adequately may result in legal action under the FCRA and <em>other</em> applicable consumer protection statutes. \nSincerely, <em>XXXX</em> <em>XXXX</em>"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[15.107802,"14790779"]},{"_index":"complaint-public-v1","_id":"10969766","_score":15.069667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : 1. The reported charge-off and written off balance conflict with my payment records and account activity.\n\n2. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account.\n\nSupporting Documentation I have attached the following documents to support my claim and validate my identity : 1. A copy of my FTC identity theft report, confirming the issues related to my credit reporting.\n\n2. A copy of my passport, serving as proof of identity.\n\nRequest for Immediate Action I request that Experian take the following steps without delay : 1. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender.\n\n2. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account.\n\n3. Provide me with a full written summary of your findings and updates to my credit report.\n\nNotice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information.\n\nPlease confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-29T17:33:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10969766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-29T17:33:26.000Z","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":["Below are the details of the <em>account</em> as reported : <em>Account</em> Name : <em>XXXX</em> <em>Account</em> Type : Sales Contract Date Opened : XX/XX/<em>XXXX</em> Current Status : <em>Closed</em>/<em>Account</em> Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/<em>XXXX</em> ) Last Payment Date : XX/XX/<em>XXXX</em> Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another <em>lender</em> Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[15.069667,"10969766"]},{"_index":"complaint-public-v1","_id":"10968793","_score":15.048066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone : XXXX XX/XX/XXXX Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : XXXX. The reported charge-off and written off balance conflict with my payment records and account activity. \nXXXX. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account. \n\nSupporting Documentation I have attached the following documents to support my claim and validate my identity : XXXX. A copy of my FTC identity theft report, confirming the issues related to my credit reporting. \nXXXX. A copy of my passport, serving as proof of identity. \n\nRequest for Immediate Action I request that Experian take the following steps without delay : XXXX. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender. \nXXXX. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account. \nXXXX. Provide me with a full written summary of your findings and updates to my credit report. \n\nNotice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information. \n\nPlease confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-29T17:33:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10968793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-29T17:19:03.000Z","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":["Below are the details of the <em>account</em> as reported : <em>Account</em> Name : <em>XXXX</em> <em>Account</em> Type : Sales Contract Date Opened : XX/XX/<em>XXXX</em> Current Status : <em>Closed</em>/<em>Account</em> Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/<em>XXXX</em> ) Last Payment Date : XX/XX/<em>XXXX</em> Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another <em>lender</em> Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[15.048066,"10968793"]},{"_index":"complaint-public-v1","_id":"10969768","_score":15.033794,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX  ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : 1. The reported charge-off and written off balance conflict with my payment records and account activity.\n\n2. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account.\n\nSupporting Documentation I have attached the following documents to support my claim and validate my identity : 1. A copy of my FTC identity theft report, confirming the issues related to my credit reporting.\n\n2. A copy of my passport, serving as proof of identity.\n\nRequest for Immediate Action I request that Experian take the following steps without delay : 1. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender.\n\n2. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account.\n\n3. Provide me with a full written summary of your findings and updates to my credit report.\n\nNotice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information.\n\nPlease confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-29T17:33:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10969768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-29T17:33:26.000Z","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":["Below are the details of the <em>account</em> as reported : <em>Account</em> Name : <em>XXXX</em> <em>Account</em> Type : Sales Contract Date Opened : XX/XX/<em>XXXX</em> Current Status : <em>Closed</em>/<em>Account</em> Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/<em>XXXX</em> ) Last Payment Date : XX/XX/<em>XXXX</em> Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another <em>lender</em> Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[15.033794,"10969768"]},{"_index":"complaint-public-v1","_id":"7248859","_score":15.001119,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1989 SS # : XXXX Attn : Customer Relations Department To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. \n\n1. This account is not reported consistently on all three credit bureaus. Only Transunion report this account. This is a misuse of the e-ocar and the incorrect Metro2 format. I don't own this account. I never received any pertinent paperwork informing me of this debt I demand an investigation to verify this account prior 30 days ago. Up to date, I havent received any correspondence from the credit bureaus. The account on this account is listed as a debt buyer, which is contradictory because, according to the IRS tax code 's legal permissible business exception, a debt can not be legally purchased by any unapproved third party entity when the account is written off as a loss. Instead, it is legally considered to be uncollectible debt. \n\nXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. \n\nHere is details of the laws that were violated as in the specific codes and subsets : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 1 ) ( A ) requires that consumer reporting agencies provide accurate and complete information about consumers ' credit histories. The failure to report the account consistently on all three credit bureaus may violate this requirement. \n\n\n\nFair Debt Collection Practices Act ( FDCPA ) - Section 809 ( b ) requires that debt collectors provide verification or validation of a debt upon request from the consumer. Failure to do so may violate this section of the FDCPA.\n\nFair and Accurate Credit Transactions Act ( FACTA )- Section 114 of FACTA requires financial institutions and creditors to implement measures to prevent identity theft and protect consumers ' personal information. The failure to report the account consistently on all three credit bureaus may violate this section of the law. \n\n\n\nTruth in Lending Act ( TILA ) - Section 102 ( a ) of TILA requires lenders to disclose the terms and conditions of a loan, including the interest rate, fees, and other charges. Failure to provide these disclosures may violate this section of the law.\n\nEqual Credit Opportunity Act ( ECOA ) - Section 701 ( a ) of ECOA prohibits lenders from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Withholding information or documentation based on a borrower 's protected status may violate this section of the law.\n\nI have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. \n\nIn a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. \n\nI am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.\n\n2. What is your authorization of law for your collection of information?\n\n3. What is your authorization of law for your collection of this alleged debt? \n4. Please evidence your authorization to do business or operate in this state.\n\n5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.\n\n6. Please provide a complete account history, including any charges added for collection activity.\n\nYou have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. \n\nFor the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. \n\n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-07-13T18:30:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85282","tags":null,"has_narrative":true,"complaint_id":"7248859","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-13T18:21:56.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The failure to report the <em>account</em> consistently on all three credit bureaus may violate this section of the law. \n\n\n\nTruth in <em>Lending</em> Act ( TILA ) - Section 102 ( a ) of TILA requires <em>lenders</em> to disclose the terms and conditions of a loan, including the interest rate, fees, and <em>other</em> <em>charges</em>. Failure to provide these disclosures may violate this section of the law."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[15.001119,"7248859"]},{"_index":"complaint-public-v1","_id":"7246380","_score":15.001119,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1989 SS # : XXXX Attn : Customer Relations Department To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. \n\n1. This account is not reported consistently on all three credit bureaus. Only XXXX report this account. This is a misuse of the e-ocar and the incorrect Metro2 format. I don't own this account. I never received any pertinent paperwork informing me of this debt I demand an investigation to verify this account prior 30 days ago. Up to date, I havent received any correspondence from the credit bureaus. The account on this account is listed as a debt buyer, which is contradictory because, according to the IRS tax code 's legal permissible business exception, a debt can not be legally purchased by any unapproved third party entity when the account is written off as a loss. Instead, it is legally considered to be uncollectible debt. \n\nXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. \n\nHere is details of the laws that were violated as in the specific codes and subsets : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 1 ) ( A ) requires that consumer reporting agencies provide accurate and complete information about consumers ' credit histories. The failure to report the account consistently on all three credit bureaus may violate this requirement. \n\n\n\nFair Debt Collection Practices Act ( FDCPA ) - Section 809 ( b ) requires that debt collectors provide verification or validation of a debt upon request from the consumer. Failure to do so may violate this section of the FDCPA. \n\n\n\nFair and Accurate Credit Transactions Act ( FACTA )- Section 114 of FACTA requires financial institutions and creditors to implement measures to prevent identity theft and protect consumers ' personal information. The failure to report the account consistently on all three credit bureaus may violate this section of the law. \n\n\n\nTruth in Lending Act ( TILA ) - Section 102 ( a ) of TILA requires lenders to disclose the terms and conditions of a loan, including the interest rate, fees, and other charges. Failure to provide these disclosures may violate this section of the law. \n\n\n\nEqual Credit Opportunity Act ( ECOA ) - Section 701 ( a ) of ECOA prohibits lenders from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Withholding information or documentation based on a borrower 's protected status may violate this section of the law. \n\n\nI have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. \n\nIn a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. \n\nI am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.\n\n2. What is your authorization of law for your collection of information?\n\n3. What is your authorization of law for your collection of this alleged debt?\n\n4. Please evidence your authorization to do business or operate in this state.\n\n5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.\n\n6. Please provide a complete account history, including any charges added for collection activity. \n\nYou have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. \n\nFor the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. \n\n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-07-13T18:30:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85282","tags":null,"has_narrative":true,"complaint_id":"7246380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-13T18:30:09.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The failure to report the <em>account</em> consistently on all three credit bureaus may violate this section of the law. \n\n\n\nTruth in <em>Lending</em> Act ( TILA ) - Section 102 ( a ) of TILA requires <em>lenders</em> to disclose the terms and conditions of a loan, including the interest rate, fees, and <em>other</em> <em>charges</em>. Failure to provide these disclosures may violate this section of the law."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[15.001119,"7246380"]},{"_index":"complaint-public-v1","_id":"6672319","_score":14.981956,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB Closed this case without my feedback. \n\nXXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT This involves the financing company ( LoanPal ), a defaulted contract ( XXXX XXXX ) and 2 people already facing charges for contracting without a license ( DBPR-Florida ) XXXX My Contract with XXXX XXXX  is voidable becuase they did not provide the generator that was part of the financing and when I got DBPR involved, they closed up shop and disappeared leaving me with a solar system that the battery needs upgraded AND the 20 year warranty. When LoanPal ( previously GoodLeap ) was told that the contract was voidable and payments would not be made until the fulfillment of contract or the voidance in court, they remotely shut off my Solar System. They continue to harass for payments, I offered for them to come and get their system but they did not like my conditions : hiring licensed contractors, pulling permits, and replacing the roof to original condition. \n\nView full complaint Sent to company STATUS Sent to company on XX/XX/XXXXXXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We are currently conducting research in order to provide a proper response. \nCompany responded XXXX XXXX responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response Please note, XXXX operates separately and independently from XXXX Solar. XXXX is the lender for the solar panel purchase ; we are not the seller or the installer. Our records indicate the system was installed by XXXX XXXX on XX/XX/XXXX. After installation, the system is subject to final inspections, then the local electric utility company approves and grants the system and permission to operate ( XXXX ). The system was granted permission to operate ( PTO ) by the local utility company on XX/XX/XXXX. In the loan agreement signed on XX/XX/XXXX it is explained on the page three ( 3 ), the loan start date is the date we funded the loan to the installer for the system purchased. The first payment date is approximately sixty ( 60 ) days after installation, which may be before the system has been granted PTO by the local utility company. Pursuant to the loan agreement, you are obligated to make all payments according to the amortization schedule. To date, the loan is 308 days past due, collections efforts will continue until a representative is able to confirm when the account will be current. To avoid the system being disconnected, XXXX XXXX XXXX contact our Customer Service team for payment assistance options, at XXXX. Upon receipt of this complaint, we escalated these concerns to our XXXX Relations team to reach out to the installer on XXXX XXXX 's behalf. Unfortunately, XXXX has not been able to communicate with XXXX XXXX but will be reaching out to them on XXXX XXXX 's behalf. We will also continue to monitor the situation. In the meantime, the XXXX XXXX XXXX ( XXXX ) with XXXX XXXX, on page three ( 3 ), provides the solar panels and inverters manufacturers warranty information. For further assistance, XXXX XXXX XXXX contact the manufacturer of the solar panels, XXXX XXXX, at XXXX XXXX. They may also visit their website : www.solaredge.com/us/service/support. GoodLeap is unable to determine if a generator was included with the purchase of the solar panels since it was not listed in the HIC with XXXX XXXX. XXXX has confirmed XXXX XXXX occupied an active license during the time of the installation. See attached. We understand any frustration this matter may have caused. For additional assistance, XXXX XXXX XXXX also contact Installer Relations XXXX, XXXX XXXX, at XXXX or via email at XXXX. \nATTACHMENTS XXXX.pdf ( XXXX KB ) License # XXXX ( XXXX KB ) XXXX response.pdf ( XXXX KB ) LA.pdf ( XXXX MB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Hi Ms.Hoyt, I'm sending you the breakdown of your Solar Project you requested. Your System Price is {$54000.00} You are getting 32 panels at our XXXX XXXX solar panels which makes it a XXXX System at {$40000.00} and a XXXX Generac Generator at {$14000.00}. Your project also includes General Warranties which is a 10 Year Roof Warranty ( Covers only the locations of the roof where the system is installed ), Covers 1 Service Call per year at {$0.00} charge, 30 Year Manufacturer 's Warranty on all Solar Modules/ Panels and 30 Year Warranty on Inverters. If you have any questions please feel free to call me or email me. -- Thank you, XXXX XXXX Account XXXX XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Their words are too technical. They did not provide a copy of page XXXX to where I can call to get solar turned back on. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS It is still unresolved. \nWhat happens now? \nThe complaint process is complete and your complaint is now closed. \n\nWe have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. \nYour feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. \nWe have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. \nWe appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. \n\nClosed The CFPB has closed your complaint.","date_sent_to_company":"2023-03-09T17:17:29.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"32763","tags":null,"has_narrative":true,"complaint_id":"6672319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paramount GR Holdings, LLC","date_received":"2023-03-09T17:10:01.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["Company <em>responded</em> <em>XXXX</em> <em>XXXX</em> <em>responded</em> on XX/XX/<em>XXXX</em> RESPONSE TYPE <em>Closed</em> with explanation <em>XXXX</em> 's Response Please note, <em>XXXX</em> operates separately and independently from <em>XXXX</em> Solar. <em>XXXX</em> is the <em>lender</em> for the solar panel purchase ; we are not the seller or the installer. Our records indicate the system was installed by <em>XXXX</em> <em>XXXX</em> on XX/XX/<em>XXXX</em>."],"sub_product":["<em>Other</em> debt"]},"sort":[14.981956,"6672319"]},{"_index":"complaint-public-v1","_id":"7248838","_score":14.974504,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1989 SS # : XXXX Attn : Customer Relations Department To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. \n\n1. This account is not reported consistently on all three credit bureaus. Only XXXX report this account. This is a misuse of the e-ocar and the incorrect Metro2 format. I don't own this account. I never received any pertinent paperwork informing me of this debt I demand an investigation to verify this account prior 30 days ago. Up to date, I havent received any correspondence from the credit bureaus. The account on this account is listed as a debt buyer, which is contradictory because, according to the IRS tax code 's legal permissible business exception, a debt can not be legally purchased by any unapproved third party entity when the account is written off as a loss. Instead, it is legally considered to be uncollectible debt. \n\nXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. \n\nHere is details of the laws that were violated as in the specific codes and subsets : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 1 ) ( A ) requires that consumer reporting agencies provide accurate and complete information about consumers ' credit histories. The failure to report the account consistently on all three credit bureaus may violate this requirement. \n\n\n\nFair Debt Collection Practices Act ( FDCPA ) - Section 809 ( b ) requires that debt collectors provide verification or validation of a debt upon request from the consumer. Failure to do so may violate this section of the FDCPA. \n\n\n\nFair and Accurate Credit Transactions Act ( FACTA )- Section 114 of FACTA requires financial institutions and creditors to implement measures to prevent identity theft and protect consumers ' personal information. The failure to report the account consistently on all three credit bureaus may violate this section of the law. \n\n\n\nTruth in Lending Act ( TILA ) - Section 102 ( a ) of TILA requires lenders to disclose the terms and conditions of a loan, including the interest rate, fees, and other charges. Failure to provide these disclosures may violate this section of the law.\n\nEqual Credit Opportunity Act ( ECOA ) - Section 701 ( a ) of ECOA prohibits lenders from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Withholding information or documentation based on a borrower 's protected status may violate this section of the law.\n\nI have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. \n\nIn a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. \n\nI am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.\n\n2. What is your authorization of law for your collection of information?\n\n3. What is your authorization of law for your collection of this alleged debt?\n\n4. Please evidence your authorization to do business or operate in this state.\n\n5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. \n6. Please provide a complete account history, including any charges added for collection activity. \n\nYou have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. \n\nFor the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. \n\n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-07-13T18:30:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85282","tags":null,"has_narrative":true,"complaint_id":"7248838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-13T18:30:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["The failure to report the <em>account</em> consistently on all three credit bureaus may violate this section of the law. \n\n\n\nTruth in <em>Lending</em> Act ( TILA ) - Section 102 ( a ) of TILA requires <em>lenders</em> to disclose the terms and conditions of a loan, including the interest rate, fees, and <em>other</em> <em>charges</em>. Failure to provide these disclosures may violate this section of the law."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[14.974504,"7248838"]},{"_index":"complaint-public-v1","_id":"2071334","_score":14.95269,"_source":{"product":"Mortgage","complaint_what_happened":"I had a {$300000.00} Heloc with Bank of America from XXXX until XXXX XXXX, when the Bank of America XXXX XXXX Branch representative suggested that I roll-over to a new Heloc loan to increase the amount to {$420000.00}. \nI told the Bank Rep that I was planning on selling my home in the next few years, so I asked if there were any Early Cancelation fees or penalties. He responded that there was a {$450.00} Early Closure Fee if closed within 36 months after opening / SEE ATTACHED - Clarity Commitment, Pay-Off Letter with Early Closure Fee of {$2700.00} dollars and the Heloc Note Section 15-G Early Closure Fee paragraph. In XXXX XXXX, when I asked about the other fees mentioned like Gov't taxes, attorney, etc., the Bank Rep said that he did not know what those fees were and did not know the amounts, but that the Bank usually did not charge these additional fees if you closed the account early. \nWhen I signed the new Heloc in XXXX XXXX, I requested a Hud-1 closing statement showing all the loan fee including the Early Closure fees, which bank of America did not provide because they said that the Heloc was not a Mortgage. The bank rep said that because I was a Preferred Platinum Customer, I would only be charged the {$450.00} \" Early Closure Fee '' and that the other fees would be waived if I closed the account early. \nNow that I have sold my home ( closed on XXXX XXXX, XXXX ), I received the Bank of America Pay-off with an Early Closure Fee ( penalty ) of {$2700.00} ( equal to {$450.00} plus {$2300.00} of undisclosed and unexplained charges ) ... and Bank of America ( after 10 phone calls and a visit to the Branch ) can not provide me with a statement showing a breakdown of these charges that were supposedly paid and were never disclosed. \nAfter 10 phone calls over that last 6 weeks, I finally spoke with Bank of America Heloc Dept. manager ( name XXXX / no last name given ) and he stated Bank of America has a National general policy that applies to all the States, even though certain States like Florida and New York have higher Gov't transfer taxes, etc. ( basically not all the States have the same charges ), and that Bank of America can not list these charges even though he says they were incurred. According to this Heloc Dept. Manager, Bank of America does not consider a Heloc the same as a Mortgage, and therefore, they are not required to provide a Hud-1 and/or a Good Faith Estimate with the detail of all the charges. \nMy understanding is that a Heloc is a Mortgage and as such it is regulated by both the Federal Truth and Lending Act, RESPA and HOEPA, which requires a \" Good Faith Estimate '' HUD-1 statement detailing the charges related to the mortgage and any early cancelation penalties. \nIn XXXX XXXX, I did not receive full disclosure that the Early Closure Fees / penalties were {$2700.00} and not {$450.00} ( no disclosure of the additional {$2300.00} ) ; and had I known I would not have rolled-over my existing XXXX Heloc into the new XXXX Heloc. \nFurthermore, I checked with XXXX XXXX and they do disclose the Early Closure Fees and Penalties / SEE ATTACHED - \" Your Guide to XXXX XXXX 's Home Equity Line of Credit Plans - page 4. ( 2.4.1 ) / Disclosures from Lenders ''. \nIf XXXX XXXX is providing Consumers with full disclosure of Early Cancelation Fees on Helocs, then why is Bank of America not providing the same disclosure that is required by Federal Law? \nAlso, this is clearly not an isolated case, but it 's the common practice of Bank of America to deceive consumers in order to standardize and simplify their procedures. \nI kindly request that Consumer Financial Protection Bureau ( CFPB ) look into why Bank of America is not providing consumers with the proper full disclosure of \" Early Cancelation Fees '' on their Heloc Mortgages as required by Federal Law.","date_sent_to_company":"2016-08-22T20:44:08.000Z","issue":"Settlement process and costs","sub_product":"Home equity loan or line of credit","zip_code":"33145","tags":null,"has_narrative":true,"complaint_id":"2071334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-08-19T00:46:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In <em>XXXX</em> <em>XXXX</em>, when I asked about the <em>other</em> fees mentioned like Gov't taxes, attorney, etc., the Bank Rep said that he did not know what those fees were and did not know the amounts, but that the Bank usually did not <em>charge</em> these additional fees if you <em>closed</em> the <em>account</em> early."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[14.95269,"2071334"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":215,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":215}]}},"product":{"doc_count":215,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":77,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":77}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":46,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":46}]}},{"key":"Mortgage","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":14},{"key":"FHA 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