{"took":80,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8292902","_score":27.488829,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Billing Error Notice and Request for Resolution - XXXX XXXX - ENDING IN XXXX To : Ally Bank Customer Service Date : XXXX XXXX XXXX  Subject : Billing Errors, Missing Funds, and Disclosures - [ Account Number ] Dear Ally Bank, I am writing to formally notify you of multiple billing errors and missing information associated with my account, [ Account Number ]. Despite the fact that my account is being traded as a security, I have not received any proceeds. Additionally, each monthly billing statement contains errors regarding the amount owed and the proceeds reflected. \n\nFurther compounding the issue, I have never received the Certificate of Indebtedness for my vehicle financed through Ally Bank. This document is crucial for my records and should have been provided upon loan origination. \n\nTherefore, I demand immediate resolution to the following concerns : Missing Proceeds : Please investigate and credit my account for all proceeds due from the trading of my security. Please provide clear documentation detailing the calculations and amounts. \nBilling Errors : Correct all inaccuracies in my monthly billing statements regarding the amount owed and the proceeds reflected. \nMissing Certificate of Indebtedness : Issue and send me a certified copy of the Certificate of Indebtedness for my vehicle loan at the following address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Furthermore, I have never received the required disclosures with my monthly statements. Please provide all missing disclosures immediately. \n\nI expect a prompt and comprehensive response to this matter. Please contact me within [ Number ] business days at [ Phone Number ] or [ Email Address ] to discuss further and confirm the resolution timeline. Additionally, please confirm that certified funds will be sent to the provided address to compensate for the missing proceeds. \n\nIf this issue is not resolved to my satisfaction within a reasonable timeframe, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue other legal remedies. \n\nThank you for your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-07T02:39:58.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"30338","tags":null,"has_narrative":true,"complaint_id":"8292902","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-02-07T02:34:45.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["<em>Missing</em> <em>Certificate</em> of <em>Indebtedness</em> : <em>Issue</em> and <em>send</em> me a certified copy of the <em>Certificate</em> of <em>Indebtedness</em> for my vehicle loan at the following address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Furthermore, I have never received the required disclosures with my monthly statements. Please provide all <em>missing</em> disclosures immediately. \n\nI expect a prompt and comprehensive response to this matter."]},"sort":[27.488829,"8292902"]},{"_index":"complaint-public-v1","_id":"7307801","_score":18.629913,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Capital One, NA regarding their failure to respond to a billing error I reported on my Credit Card billing statement on account number XXXX amount of {$5600.00} plus all previous balances under the certificates of indebtedness and XXXX amount of {$4400.00} plus all balances in previous certificates of indebtedness under this contract. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statement for the certificate of indebtedness on account XXXX and the XXXX and in accordance with the regulations outlined XXXX XXXX XXXX XXXX XXXX XXXXmptly sent a written notice to Capital One, NA on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what Capital One, NA has done is closed both of the account ( s ) XXXX and continued to report negatively on my credit file. I believe the closure of my accounts was a way of discrimination and retaliation of sorts. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt that would greatly lift the burden off myself and the living beings I care for. Such heartless practice of the bank to deny me god my given right to be notified of any progress as it relates to the billing error notice I've attached. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves Capital One NA 's unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. The job offer is attached as evidence. But since their reporting is inaccurate due to their failure I'm missing out. I'm also aware that my account was/is held in a trust according to XXXX  Capital One Multi-Asset Trust as Issuing Entity. Capital One NA as Sponsor, Servicer, and Originator of Assets. Capital One Funding, LLC as Depositor and Transferor. The master trusts assets primarily include consumer and small business credit card receivables from selected Mastercard and Visa credit card accounts that meet the eligibility criteria for inclusion in the master trust. Capital One Bank ( USA ) , XXXX XXXX, a XXXX XXXX  XXXX, owns credit card accounts from which receivables are transferred to Capital One Funding, which receivables Capital One Funding then, subject to certain conditions, adds to the master trust. Where's my equitable interest in these securities? I'm filing further complaints with other government agencies as well. I kindly request the CFPB to investigate this matter and ensure that Capital One, NA complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect consumers and hold XXXX XXXX XXXX XXXX  accountable for their failure to address my legitimate concern.","date_sent_to_company":"2023-07-27T00:07:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"7307801","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-07-26T22:06:23.000Z","state":"AE","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against Capital One, NA regarding their failure to respond to a billing error I reported on my Credit Card billing statement on account number XXXX amount of {$5600.00} plus all previous balances under the <em>certificates</em> of <em>indebtedness</em> and XXXX amount of {$4400.00} plus all balances in previous <em>certificates</em> of <em>indebtedness</em> under this contract."]},"sort":[18.629913,"7307801"]},{"_index":"complaint-public-v1","_id":"11448087","_score":12.931566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I received an email from Experian today that their ( XXXX ) \" reinvestigation '' to the inaccuracies are \" completed ''. Experian is willfully harming and destroying my reputation by keeping the negative items on my report. This is the third time I am sending a complaint ; and they are doing a reinvestigation ; but failed to disclose the method in which they came to that conclusion.\n\nThey are willfully violating the Fair Credit Reporting Act ( FCRA ) which states '' \" 15 USC 1681 \" ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \nPlease disclose what elaborate mechanisms one has used to verify the information. Under what mechanisms have they used to verify the information? Are they incompetent?. who is investigating my disputes, is there a real life person? when the laws are stated in my disputes indicating they are violating the law ; are they willfully DISRESPECTING the FEDERAL LAW ( FCRA ). \nThe term Bureau means the Bureau of Consumer Financial Protection. Experian who are you and what are you gives you the right to furnish my information. what LAW gives you the right to do what you do? I have stated federal laws but seem to fall on deaf ears? please inform what gives you the right to do what you do. XXXX XXXX is the CEO maybe I might be missing something. you are an agency so what law gives agencies the right to furnish a private man or woman information without their permission. you are adamantly fighting to keep negative info on my report without any knowledge of me.\n\n15 USC 1681 \" ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This is the response you gave to my dispute : \" Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' Do you not understand that you can not go to the furnisher of the information in attempts to verify according to 15 usc 1681 ( iii ). I have accounts with all those credit card companies and the question do I owe a debt? or have late payments? send me a debt validation letter. disclose the information you used to verify the accounts as accurate? produce documents, proof, my identity, financial statements, and evidence. I would like to know how you came to that conclusion? you know a charge off account is considered a certificate of indebtedness, which is income. You CAN NOT report INCOME On my report! \n\nIf an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. \nWhen have you given me disclosure before reporting my information? Experian do you have any affiliation with credit card companies? please let me know! disclose what relationship you have with these credit companies. are you engaging in conspiracy to defraud me and destroy my reputation. Do you not know that the credit card companies have in their agreement that they will not disclose my info to a third party? are not a third party? what relationship do you have to publicise my private information. what license do you have to report my information?\n\n15 USC 1681i ( exclusions ) \" report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' you can not report late payments on my consumer report utilizations and they need to be corrected as paid in full. I am instructing you not to delete them but correct the inaccuracies. \nall late payments corrected to be paid in full. what part of you can not report experiences and transactions. how do you understand what an experience and transactions is? how will you define those terms and how you came to that conclusion?\n\nwhen 18 usc states \" 18 USC 8 \" The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. how do you understand this code above. its pretty clear any obligation is owed to the United States. so if all obligations like bills are owed to the United States then how do I owe a debt? do you not care and are just ignoring the laws that you are supposed to follow. \nCFPB recently filed a lawsuit XX/XX/XXXX in XXXX XXXX XXXX for the XXXX XXXX XXXX California, docket number XXXX. in the lawsuit it claimed \" he Bureau alleges that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Bureau seeks, among other things, to bring Experian into compliance with the law, consumer redress, and the imposition of civil money penalties. '' This lawsuit summarizes everything That I have stated and complains about. the information received from the furnisher is unreliable and it's not a proper way to conduct an investigation. It's a lazy and improper way to do an investigation. the furnisher is not an absolute because they are also engaging in the fraud. \nNO REGARD OF THE LAW","date_sent_to_company":"2025-01-10T02:51:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20874","tags":null,"has_narrative":true,"complaint_id":"11448087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T01:10:51.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>send</em> me a debt validation letter. disclose the information you used to verify the accounts as accurate? produce documents, proof, my identity, financial statements, and evidence. I would like to know how you came to that conclusion? you know a charge off account is considered a <em>certificate</em> of <em>indebtedness</em>, which is income. You CAN NOT report INCOME On my report!"]},"sort":[12.931566,"11448087"]},{"_index":"complaint-public-v1","_id":"7184981","_score":5.547578,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of America called XXXX XXXX do hereby solemnly declare say and state one secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED. \nPLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit. \nFACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. \nFACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) SRM Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt.\n\nFACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that SRM is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. \nIN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS SOURSE RECIEVIBLES MANAGEMENT AND ITS AFILIATES HAVE SENT ME 12 LETTERS WITH DIFFERENT AFFILIATES NAMES SUCH AS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX THIS IS ABUSE IN ITS FULLIST EXTENT I HAVE NO CONTRACT WITH ANY OF THE COMPANIES LISTED ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt.\n\nIdentify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.\n\n15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt.\n\nabusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. \ncommunication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after 8:00 o'clock and before 9:00 o'clock post meridiem.\n\nA debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. \nAnd for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my express written permission to contact the credit bureaus about this account under the FCRA 15 USC 1681 A ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY 15 USC 1681 A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. collectors are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they may legally contact a third party is to attempt to locate the individual who owns the payment they may also not contact repeatedly or harass these third parties you guys at source receivables management are in clear violation of my rights as a consumer I gave no written instruction two you guys to write anything on my credit report therefore you have 5 business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those five business days I expect to receive all the documentation regarding this account which is clearly not mine 18 U.S.C 8 OBLIGATION OR OTHER SECURITY OF THE UNTIED STATES DEFINED The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.\n\n15 U.S.C. 1666b timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \nIn truth XXXX XXXX XXXX have never received any statement in paper I always needed to request a statement and it would be sent electronically through email. \n( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.\n\nThere is no such thing as a late payment, the laws are clear on this!\n\n15 U.S.C. 1666d treatment of credit balances.\n\nWhenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account. \n( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the Please explain to me why I am paying for a dept that the United States has already paid as my trustee? I am requesting a full refund on any balances owed for the company 's listed and this affidavit I'm also requesting {$1000.00} for each violation set forth and this affidavit source receivables management must pay for every violation of my rights enclosed is the invoice and to send the money for every violation under the fair credit reporting act all balances for any of the companies listing should be returned to me via check to the address listed 15 U.S.C 1692j furnishing certain deceptive forms.\n\n( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.\n\n( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.\n\n( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( c ) LIMITS ON REUSE OF INFORMATION Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n( d ) LIMITATIONS ON THE SHARING OF ACCOUNT NUMBER INFORMATION FOR MARKETING PURPOSES A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.\n\n( e ) GENERAL EXCEPTIONS Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; 15 U.S.C 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) REGULATIONS Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) INFORMATION TO BE INCLUDED The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with re\nspect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) EXEMPTION FOR CERTIFIED PUBLIC ACCOUNTANTS ( 1 ) IN GENERAL, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant.\n\n( B ) certified or licensed for such purpose by a State; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\nThe Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.","date_sent_to_company":"2023-07-01T20:07:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"7184981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Source Receivables Management LLC","date_received":"2023-07-01T19:59:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["of <em>indebtedness</em>, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold <em>certificates</em>, silver <em>certificates</em>, fractional notes, <em>certificates</em> of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, <em>issued</em> under any Act of Congress, and canceled United States stamps.\n\n15 U.S.C. 1666b timing of payments ( a ) TIME"]},"sort":[5.547578,"7184981"]},{"_index":"complaint-public-v1","_id":"9861547","_score":5.20359,"_source":{"product":"Credit card","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ) We having reached the age of majority, of sound mind duly state and dispose the following : American Express Bank has engaged in abusive, deceptive, and unfair practices and has failed to remain compliant with the OCC, FDIC, CFPB, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Security Exchange Commission ( SEC ), the Office of Comptroller of Currency ( OCC ) and the internal revenue service ( United States Treasury ). We are well aware that American Express has filed a 1099 OID in our names as the treasury requires for any transaction over {$10.00} to file a 1099 OID. Yet American Express has neglected to furnish a copy of the filed 1099OID. In addition to this IRS has sent American Express a 1099A in which American Express has not properly filled it out and sent back so that we can properly remit my taxes. According to the IRS a 1099C is supposed to be filed by the company for any debts over {$600.00} and the company is to provide a copy to the consumer so that the consumer can accurately report to the IRS this is tax evasion. American Express has unlawfully shut down my accounts without my consent stating due to not completing a financial audit. American Express asked for Banking Statements and Paycheck stubs. There is no reason to do a financial audit as the account was already prepaid via a credit sale which secured the transaction. My tendered instruments secured the credit sale transaction. 16 CFR 433.1 ( b ) Consumer.A naturalpersonwho seeks or acquires goods or services for personal, family, or household use, ( c ) Creditor.Apersonwho, in the ordinary course of business, lends purchase money or finances the sale of goods or services toconsumers. ( e ) Financing a sale.Extending credit to aconsumerin connection with a Credit Sale within the meaning of theTruth in Lending Actand Regulation Z, ( d ) Purchase money loan.A cash advance which is received by aconsumerin return for a Finance Charge within the meaning of theTruth in Lending Actand Regulation Z. ( i ) Consumer credit contract.Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. ( j ) Seller.Apersonwho, in the ordinary course of business, sells or leases goods or services to consumers. Under regulation z the banks can not loan money and the bank can not loan credit. American Express Co. XXXX XXXXXXXX XXXXXXXX XXXX XXXX Acceptance by a bank a draft payable in XXXX days for the benefit of a customer without security or consideration is not within the description \" buying, discounting and negotiating promissory notes, bonds, drafts, bills of exchange, foreign and domestic, and other evidences of debt, '' which by sec. XXXX XXXX, Stats. XXXX, the bank has power to do. XXXX. Under the power to negotiate their own bills and drafts, banks have the power to indorse them, since that is the usual mode of transferring title to such paper. A bank has no power to become the guarantor of another 's obligation without benefit to itself, unless expressly permitted by its charter or the governing statute. XXXX. There is no such similarity between certified checks and drafts payable at a future date that the authority given by sec. XXXX XXXX, Stats. XXXX, to issue certified checks implies the power to issue time drafts. XXXX. Though the courts finally determine the construction of statutes, the legislative construction thereof is entitled to consideration and often has great weight. XXXX. A corporation can not commit the rank injustice of enriching itself by retaining the fruits of a contract and then repudiating it. American Express Demanding a financial Audit is unjustly wanted and is unlawful. American Express shall Cease and Desist any current and future audits. The Truth-in Lending Act states that the finance charge is the sum of all charges due. Please provide a complete statement of account according to the GAAP ( Generally accepted accounting principals ). As this is clearly an unfair, deceptive and abusive practice which has caused harm to the beneficiaries, deprived the beneficiary of life, liberty, the pursuit of happiness and defamation of character. Thefinance charge is the cost of consumer credit as a dollar amount. The finance charge has remained {$0.00} consistently on all bills. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction.Regulation Z, 12 C.F.R. 1026.4 ( a ) 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. ( k ) Credit card means any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit ( such as a social security number ). 12 CFR 1002.2 ( q ) Extend credit and extension of credit mean the granting of credit in any form ( including, but not limited to, credit granted in addition to any existing credit or credit limit ; credit granted pursuant to an open-end credit plan ; the refinancing or other renewal of credit, including the issuance of a new credit card in place of an expiring credit card or in substitution for an existing credit card ; the consolidation of XXXX or more obligations ; or the continuance of existing credit without any special effort to collect at or after maturity ). ( XXXX ) The term does not includeand American Express has time and time again lacked fair and honest disclosure, and has repeatedly acted in bad faith. American Express shall open-end these accounts as American Express is in violation of 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptiveactsor practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in theFederal Trade Commission Act, it is an unfair or deceptiveactor practice within the meaning of section 5 of thatActfor aseller, directly or indirectly, to : ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of anypurchase money loan ( aspurchase money loanis defined herein ), unless anyconsumer credit contractmade in connection with suchpurchase money loancontains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This statement was missing from the consumer credit contract. According to 16 CFR 433.3 All contracts after XX/XX/XXXX must contain such statement. According to 15 usc 1692e False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The representation or implication that nonpayment of anydebtwill result in the the seizure, or sale of any property of any person unless such action is lawful and thedebtcollector orcreditorintends to take such action. AMERICAN EXPRESS SEIZED my credit. My credit is my personal property ( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect anydebtor to obtain information concerning aconsumer. \nAccording to American Express prospectus page 22 states Congress and regulators, as well as various consumer advocacy groups, have continued to focus their attention on certain practices of credit card issuers, such as unfair and deceptive business practices, increases in annual percentage rates, changes in the terms of the account, and the types and levels of fees and financial charges charged by card issuers for, among other things, late payments, returned checks, payments by telephone, copies of statements and the like. American Express has failed to credit the account by XXXX and stated that they do not accept Negotiable instruments yet page two of the statement states that they do. This is another unfair, deceptive, and abusive practice. American Express as page 2 of the statement which states Payments : Your payment must be sent to the payment address shown on your statement and must be received by XXXX XXXX local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX will not be credited to your Account until the next day. ( Which is compliant with 15 USC 1666c ) Payments must also : ( 1 ) include the remittance coupon from your statement ; ( XXXX ) be made with a single check drawn on a XXXX XXXX  and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system ; and ( XXXX ) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. American Express has not credited the balance of the account as page 2 of the statement states Credit Balance : A credit balance ( designated CR ) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is {$1.00} or more which is consistent with 15 us Code 1666d American Express has violated my rights to privacy per the privacy act of 1974. American Express has furnished my non-public personal information to third-party entities without my written consent. XXXX, XXXX, and XXXX are all third-party consumer reporting agencies that have assumed the role in assembling and evaluating consumer credit and other information on consumers. I did not grant American Express the authority to share any of my non-public personal information with anybody. In fact I opted out of sharing my non-public personal information without my written consent. Since American Express has acted in bad faith and published this information on record without my consent anyhow. Then American Express is to tacitly agree to update all accounts as paid as agreed. Remove any adverse action and do not report any transaction history remove all sum s of money reported to the credit reporting agency. \nLastly, WE TENDERED AMERICAN EXPRESS Instruments with unconditional consideration and value UCC 3-303. AMERICAN EXPRESS HAS added such instruments to their balance sheet as financial assets. ( American Express Trust Indenture page 1 ) WHEREAS, the Company executed and delivered Base Indenture to provide for the issuance from time to time of its notes, debentures, bonds or other evidences of indebtedness ( hereinafter generally called the SECURITIES, and individually, a SECURITY ) to be issued in one or more series as may be determined by the Company under the Base Indenture from time to time, in an unlimited aggregate principal amount which may be authenticated and delivered as provided in the Base Indenture ; While we have add unlimited value allowing American Express to obtain an unlimited aggregate principal for my social credit card added value to the transaction American Express has not given any value to the transaction. In addition American Express has failed to disclose that they as well as American Express Bank, American Express XXXX XXXX XXXX XXXX XXXX, American Express XXXX XXXX XXXX XXXX XXXX have each transferred, assigned, set over and otherwise conveyed to the Trustee ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX American Express XXXX XXXX ), on behalf of the Trust, for the benefit of the Certificate holders, without recourse except as provided herein, all of its right, title and interest, whether now owned or hereafter acquired, in, to and under the Receivables existing at the close of business on the Initial Cut-Off Date, in the case of Receivables arising in the Initial Accounts ( including Related Accounts and Transferred Accounts with respect to such Initial Accounts ), and at the close of business on each Addition Cut-Off Date, in the case of Receivables arising in the Additional Accounts ( including Related Accounts and Transferred Accounts with respect to such Additional Accounts ), and in each case thereafter created from time to time in such Accounts until the termination of the Trust, all Issuer Rate Fees and Recoveries allocable to the Trust as provided herein, all monies due and to become due and all amounts received with respect to all of the foregoing and all proceeds ( including Insurance Proceeds and proceeds as defined in the UCC ) thereof. Each Transferor does hereby further transfer, assign, set over and otherwise convey to the Trustee, on behalf of the Trust, all of its rights, remedies, powers, privileges and claims under or with respect to any related Receivables Purchase Agreement ( whether arising pursuant to the terms of such Receivables Purchase Agreement or otherwise ). Such property, together with all monies and other property on deposit in the Collection Account, the Series Accounts and the Special Funding Account, the rights of the Trustee on behalf of the Trust under this Agreement and any Supplement, the property conveyed to the Trustee on behalf of the Trust under any Participation Interest Supplement, any Series Enhancement and the right to receive Recoveries shall constitute the assets of the Trust ( the Trust Assets ). \nWe did not authorize American Express to make transfers in our name. American Express never provided a copy of the UCC lien. American Express Never provided Fair and honest disclosures to known of these facts. As Beneficiary and Surety of these ACCOUNTS we XXXX XXXX, XXXX XXXX and XXXX XXXX are CLAIMING ANY AND ALL INSTRUMENTS and documents, AND REFUTING OBLIGATIONS OF THIS PRESENTMENTS FROM American Express UNDER UCC 3-306. WE ARE ACTING IN PROTEST OF THE STATEMENTS PROVIDED BY THESE INSTRUMENT AND REVOKING OUR ABILITY TO PAY THESE PRESENTMENTS UNDER UCC 3-302. WE ARE REFUSING TO TENDER PAYMENT ON THESE NEGOTIABLE INSTRUMENT UNDER UCC 3-603. ALL PRESENTMENT NOTES ARE EXCUSED AND DISHONORED UNDER THIS STATUTE, UCC 3-504. AND BECAUSE ALL FUTURE, PAST, PRESENT DEBTS ARE PREPAID UNDER XXXX XXXX OF XXXX, XXXX XXXX Code XXXX, AND XXXX XXXX Code XXXX, AND ARE OBLIGATIONS BY THE FEDERAL CORPORATION OF THE UNITED STATES OF AMERICA ; WE ARE EXERCISING OUR RIGHT TO REQUEST A DISCHARGE OF ALL PRESENTMENTS UNDER XXXX XXXX, XXXX, XXXX. WE EXPECT American Express to ACT IN AN OBLIGATION OF GOOD FAITH FOR THESE UNFIORM COMMERCIAL CODE IN ACCORDANCE WITH XXXX XXXX. \n\nAll AMEX XXXX CARD : XXXX and AMEX XXXX CARD : XXXX and any and all cards that may have been issued under this account. \nXXXX XXXX ( d ) Apromiseororderother than acheckis not aninstrumentif, at the time it isissuedor first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article. \nEFFECTIVE IMMEDIATLEY AND INDEFINITELY IN ADDITION WE DIRECT AMERICAN EXPRESS TO MAINTAIN ITS INTERGRITY AND TO ACT IN A FIDUCIARY MANNER FOR THE BENEFIT of BENEFICIARIES. AMERICAN EXPRESS SHALL PERFORM ACCORDING TO ITS PROSPECTUS and TRUST INDENTURE AGREEMENT. We agree indemnify and to hold American Express harmless from any loss it may incur. \n\nIn the even that American Express chooses not to comply I will not hesitate to contact any of the agencies listed within the statement.","date_sent_to_company":"2024-08-20T21:33:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9861547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-08-20T19:21:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["AMERICAN EXPRESS HAS added such instruments to their balance sheet as financial assets. ( American Express Trust Indenture page 1 ) WHEREAS, the Company executed and delivered Base Indenture to provide for the <em>issuance</em> from time to time of its notes, debentures, bonds or other evidences of <em>indebtedness</em> ( hereinafter generally called the SECURITIES, and individually, a SECURITY ) to be <em>issued</em> in one or more series as may be determined by the Company under the Base Indenture from time to time, in an"]},"sort":[5.20359,"9861547"]},{"_index":"complaint-public-v1","_id":"7703639","_score":3.4698372,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I was reviewing my credit report for accuracy and found the following errors on my credit report. \n\nAccording to the following FCRA Rules/Guidelines I have identified the following statues that the inaccurate reporting on my credit report violates as it is reporting inaccurate information. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Engelhardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\nCompliance Procedures Section 607 ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title.\n\n( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n( c ) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.\n\n( d ) Notice to Users and Furnishers of Information ( 1 ) Notice requirement. A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency. \na notice of such person 's responsibilities under this title. \n( 2 ) Content of notice. The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall follow this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.\n\n( e ) Procurement of Consumer Report for Resale ( 1 ) Disclosure. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 604 [ 1681b ] for which the report is furnished to the end-user of the report ( or information ).\n\n( 2 ) Responsibilities of procurers for resale. A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 604 [ 1681b ], including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ). \n( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).\n\n( 3 ) Resale of consumer report to a federal agency or department. Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 604 ( b ) ( 4 ) ( E ) ( i ) ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information, or the safety of persons employed by or contracting with or undergoing investigation for work or contracting with the agency or department.\n\n15 USC 1666 Correction of Billing Error ( a ) WRITTEN NOTICE BY OBLIGOR TO CREDITOR ; TIME FOR AND CONTENTS OF NOTICE ; PROCEDURE UPON RECEIPT OF NOTICE BY CREDITOR If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( XXXX ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor XXXX not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \nAfter complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. \n( b ) BILLING ERROR For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\n( c ) ACTION BY CREDITOR TO COLLECT AMOUNT OR ANY PART THEREOF REGARDED BY OBLIGOR TO BE A BILLING ERROR For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.\n\nNothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.\n\n( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.\n\n( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.\n\n609 Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, that in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. ( C ) Subparagraph ( A ) does not apply if -- ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section 604 ( b ) ( 4 ) ( E ) ( i ) ) ; and ( ii ) the head of the agency or department makes a written finding as prescribed under section 604 ( b ) ( 4 ) ( A ). ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure. ( 5 ) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer. ( b ) Exempt information. The requirements of subsection ( a ) of this section respecting the disclosure of sources of information and the recipients of consumer reports do not apply to information received or consumer reports furnished prior to the effective date of this title except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date. ( c ) Summary of rights required to be included with disclosure. ( 1 ) Summary of rights. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( A ) a written summary of all of the rights that the consumer has under this title ; and ( B ) in the case of a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, a toll-free telephone number established by the agency, at which personnel are accessible to consumers during normal business hours. ( 2 ) Specific items required to be included. The summary of rights required under paragraph ( 1 ) shall include ( A ) a brief description of this title and all rights of consumers under this title ; ( B ) an explanation of how the consumer may exercise the rights of the consumer under this title ; ( C ) a list of all Federal agencies responsible for enforcing any provision of this title and the address and any appropriate phone number of each such agency, in a form that will assist the consumer in selecting the appropriate agency ; ( D ) a statement that the consumer may have additional rights under State law and that the consumer may wish to contact a State or local consumer protection agency or a State attorney general to learn of those rights ; and ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 [ 1681c ] or can not be verified. ( 3 ) Form of summary of rights. For purposes of this subsection and any disclosure by a consumer reporting agency required under this title with respect to consumers ' rights, the Federal Trade Commission ( after consultation with each Federal agency referred to in section 621 ( b ) [ 1681s ] ) shall prescribe the form and content of any such disclosure of the rights of consumers required under this title. A consumer reporting agency shall be in compliance with this subsection if it provides disclosures under paragraph ( 1 ) that are substantially similar to the Federal Trade Commission prescription under this paragraph. ( 4 ) Effectiveness. No disclosures shall be required under this subsection until the date on which the Federal Trade Commission prescribes the form and content of such disclosures under paragraph ( 3 ).\n\nAfter a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form 1099-C showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form 1099-C, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form 1099-C.\n\nI attest to receiving no 1099-C on any of the Charge-Offs listed on my account, based on Topic No. 431 of the Internal Revenue Service Guidelines and find these charge-offs erroneous.\n\nBased on MO Law the statue of limitations to collect on debt Based on the Statues outlined above and strictly enforced by the FCRA I am requesting the following accounts listed below be removed/deleted due to inaccurate reporting against my SSN on my credit report. \n\nXXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting inaccurate as XXXX has a High Balance listed of {$930.00}, Experian has {$0.00} and XXXX shows {$550.00}? Dates of last activity are listed incorrectly, XXXX XX/XX/XXXX, Experian XXXX XXXX XXXX XXXX is the only one showing a closed date for this account of XXXX  when XXXX and XXXX show none??? How can there be a closed date of XXXX when it is showing last activity was XXXX for one Credit Bureau? The account type is mismatched for all 3 credit bureaus, XXXX has account type listed as Bank Credit Cards, Experian is listed as Mortgage Companies/Finance and XXXX National Credit Card Companies ? How can it be a Credit Card and Mortgage I dont have a mortgage I am not a homeowner. Experian has it listed as Charged Off And last activity on the account was XX/XX/XXXX but still reporting as Charge-off as of XXXX  This information is unverifiable and request it be deleted immediately as it is reporting inaccurately against my credit report, delete this item. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\n\n\n\n\nXXXX XXXX XXXX  This account is reporting incorrectly because XXXX is reporting a balance of {$1900.00}, Experian {$0.00} XXXX And XXXX {$0.00} XXXX The last dates of activity do not correlate together XXXX/Experian reports XXXX  and XXXX is reporting XXXX. The account type does not match, XXXX states Misc Banks, Experian says XXXX XXXX XXXX, and XXXX indicates All Banks, which is not accurate at all across the board. This account says Charge-off and is still reporting a balance. The last payment noted by XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX how can a last payment be received in 3 different months? \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nXXXXXXXX XXXX XXXX XXXX The balance is not consistent, XXXX is reporting {$970.00}, Experian {$0.00}, and XXXX is {$970.00}. The date of last activity is incorrect, XXXX is reporting XXXX, Experian XXXX XXXX XXXX XXXX  The account is Charged off and still showing in Experian that it is Charge-off XXXX, but the account closed date indicates XXXX how is it still reporting a charge-off date after XXXX? The account type doesnt match XXXX shows Miscellaneous Banks, Experian states Bank Credit Cards XXXX and XXXX indicates National Credit Card Companies XXXX These errors need to be deleted.\n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nXXXXXXXX XXXX XXXX XXXXXXXX The balance being reported by XXXX XXXX {$710.00}, Experian {$0.00}, and XXXX {$710.00}, not the same for all three, how if the information is the same being reported? The account type is not accurate XXXX has Miscellaneous Banks, Experian has Bank Credit Cards, and XXXX has National Credit Card Company, what type of account is this with 3 different sub categories indicating 3 different types. Account reads as being charged-off but still showing charge off XXXX when the account listed it closed XXXX, these need to be deleted due to inaccuracy. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nXXXX XXXX XXXX XXXX XXXXXXXX  The account type is inaccurate aligned with the last date of activity reported for XXXX XXXX Experian XXXX  and XXXX XXXX, when did the account close is under question with 3 different dates. XXXX list the account type as Miscellaneous Finance XXXX and Experian Personal Loan Companies, this makes it unclear as to what type of debt this is, is it a loan or financing? Last payment received is reporting wrong XXXX/Experian indicate XXXX  and XXXX indicates XXXX, when was the last payment received. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nXXXX XXXX XXXX XXXX XXXX/Experian only ones showing a balance of {$1300.00} XXXX is not reporting a balance. The date last verified is XXXX by XXXX only, ExperianXXXX are not reporting anything/ no dates listed at all. Dates of last activity are not matching XXXX has a date of XX/XX/XXXXXXXX  Experian XXXX  and XXXX has a date of XXXX how can the activity over a 6mo span difference, the information is not factual. Account type displays a discrepancy, ExperianXXXX shows Personal Loan Companies and XXXX has it listed as Sales Financing, is this financing or a loan based on this information and the account shows Charge-off XXXX  and account closed listed under XXXX as XXXX/Experian are not reporting a closed date of XXXX if it closed approx. 6 mo ago how is it showing charge off still XXXXXXXX  This errors are a clear indication this needs to be deleted. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nXXXX XXXX XXXX XXXXXXXX has a balance posted of {$1900.00}, Experian {$0.00} XXXX and XXXX is showing {$2600.00}, how is this valid reporting 3 different account balances? The dates of last activity do not match XXXXXXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX the activity spans over a 10 month time frame for an account this hardly seems accurately reported. The account is showing charged off, but still reflecting a variety of different balances and showing a charge off XXXX when the last account shows it closed XXXX  how is this even possible, due to these discrepancies this information needs to be deleted. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\nXXXX XXXX XXXX XXXX I show the account as being charged off and shows a balance of {$16000.00} I have never had a loan with XXXX XXXX XXXX  I own my vehicle this is a error and the previous car was totaled in a accident and sold, How can I sell a vehicle I owe on, I have proof through my insurance claim the vehicle was sold, and no lienholder/lien on the title listed as Texas Dealer Solutions this is a fraudulent charge. Delete this.\n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\n\n\nXXXXXXXX XXXX XXXX  This account is reporting 3 different account numbers XXXX XXXX Experian XXXX XXXX XXXX XXXX, which account is correctly listed this is not correct reporting. Each has a different balance, XXXX/Experian {$1200.00} and XXXX {$780.00}, the account balances dont match neither do any of the information which clearly indicates erroneous errors. The account is showing Charge-off and still reflecting a balance which is incorrect reporting as well as the date the account was closed shows XXXX and still ExperianXXXX are reporting a Charge off eff XXXX, this is another example of incorrect reporting on these accounts. Delete this account due to inaccuracies. \n\n\nXXXX XXXX XXXX XXXX XXXX  The account is listed as a charge off with a closed date of N/A but still reporting charge-off XXXX but date of last activity is XXXX, also as this account is a debt buyer and should The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. This account is only reporting to Experian. This account is listed 2x under the same account # with the same balances {$880.00} and This inconsistent display of information requires an immediate removal. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nXXXX XXXX XXXX XXXX XXXX The account has a balance of {$1000.00} and is only reporting to XXXX XXXX but the account status is still listed as Open. The payment status says charge off, so how can a account be Open and charge-off at the same time, while still reporting a balance these errors are major not to mention payment amount, last payment, term length, past due amount, account type, payment frequency and credit limit are all missing from the reporting. This is inaccurate reporting and needs to be removed. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\n\n\n\n\n\n\n\nXXXX XXXX XXXX XXXX XXXX  This account is only reporting a balance of {$910.00} to XXXX only and no other credit bureau XXXX The account still shows open but indicates it is charged off under payment status. How can an account be an Open charge off with a balance. This is inaccurate reporting and needs to be removed from my report due to inaccuracies. And is outside of statute of limitations for debt collection in state of MO, delete this inaccurate reporting.\n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nXXXX XXXX XXXX XXXX This account has not point of contact as to whom this debt belongs to and is only reporting to XXXX it is simply a balance for {$700.00} and outside of MO state law for collection as the account is over 7years old. This account does not meet FCRA to be listed as a creditor remove this due to inaccurate reporting. \n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nXXXX XXXXXXXX XXXX XXXX XXXX  The account has a balance of {$1900.00} AND {$1000.00}, but the account status is still listed This account needs to be removed as it is reporting inaccurately from a debt-buyer per FDCPA, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. \nI am disputing this debt because I do not owe it. \nBecause I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. \nFinally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.1692 ( c ).\n\nI have not supplied proof under the Doctrine of Estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. \n\n\nThank you for your attention to this matter. \nThe items listed above need to be thoroughly re-investigated and removed due to inaccurate reporting on all Accounts listed above and updated copy of my credit report submitted to me with the corrected updates once these accounts have been moved. \n\nXXXX XXXX","date_sent_to_company":"2023-10-17T02:11:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"64138","tags":null,"has_narrative":true,"complaint_id":"7703639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-17T01:58:05.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["; or ( ii ) <em>send</em> a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors <em>indebtedness</em>."]},"sort":[3.4698372,"7703639"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":1},{"key":"Old information reappears or never goes away","doc_count":1}]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":6}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":4},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"Source Receivables Management LLC","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"AE","doc_count":1},{"key":"CA","doc_count":1},{"key":"GA","doc_count":1},{"key":"MD","doc_count":1},{"key":"MO","doc_count":1},{"key":"NY","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}