davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

**Description of Incident : ** **Dates and Amounts : ** - **Date of Incident : ** XX/XX/XXXX was not realized until XXXX several attempts were made to rectify the injustice. 
- **Total Finance Charge Disputed : ** {$27000.00} **Summary : ** I am filing a complaint against Capital One Auto Finance regarding several violations of the Truth in Lending Act ( TILA ) that have significantly impacted my financial situation. The key issues are as follows : 1. **Non-disclosure of Insurance in Finance Charge : ** - Capital One Auto Finance failed to disclose that insurance was included in my finance charge, as required under 15 USC 1605. This omission led to an inaccurate representation of the finance charge and the total cost of the credit extended to me.

2. **Lack of Information on Insurance Options : ** - I was not provided with any information about insurance options nor given the opportunity to select an insurance provider of my choice. This lack of information deprived me of the ability to make an informed decision regarding insurance coverage for my financed vehicle. 

XXXX. **Denial of Right to Rescind : ** - Capital One Auto Finance did not inform me of my right to rescind the transaction within three business days following the consummation of the transaction, as mandated by TILA regulations under 15 U.S.C . 1635 and 12 C.F.R. 226.23. This failure to inform denied me the legal right to reconsider and possibly rescind the credit transaction.

**Actions Taken : ** - I have contacted Capital One Auto Finance multiple times to resolve these issues, but have not received a satisfactory response.

- I have reviewed the terms of my loan agreement and found that these critical disclosures were omitted.

- As a result, I am seeking a complete audit trail, a zero balance on the account, a refund of all payments made, and statutory damages due to the violations. 

These violations have caused significant financial and legal stress, and I request that Capital One Auto Finance address these issues promptly in compliance with TILA requirements.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial (FL)

I received a letter from Koalafi  saying I owed them {$950.00}. I never heard of this company and when I called them onXXXX they said I signed a lease for truck parts from XXXX XXXX XXXX. I called XXXX XXXX XXXX using the phone number provided me by Koalafi. I called and a man answered and said XXXX XXXX XXXX was no longer in business. 
I requested from Koalafi an affidavit of fraud I could sign to say this is a case of identity theft. I was told they would not consider this a fraud until I filed a FTC complaint and/ or a police report. I contacted my local Sheriff 's office on XX/XX/XXXX and I have filed a police report. I am waiting for the report to be sent to me. Today, XX/XX/XXXX I received a phone call from Koalafi and spoke with a supervisor named XXXX at XXXX. I was give a deadline of XX/XX/XXXX to provide them with the police report. I told her that may or may not be possible, depending on when I got the report from the police. She wants me to send it to them by email. I am not comfortable sending them my information by email because email is not secure. I told her I would mail it to them. She advised me that would take a long time and I really need to send it by email. I asked her what email they had on file for me- she read it to me and it is NOT my email, making me even more resolved not to send them anything with my email. I don't trust this company. They have now called me twice in the last week and don't seem to be giving up on this. Please help.
Consumer complaint received 2023-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX i went through a divorce and during that process debt was divided.During this time my finances were in crisis as he was the main provider This credit was to be paid by my ex partner. I attempted to resolve this issue once i was able to get a full time job towards the end of XXXX which shortly after was affected by covid.
Consumer complaint received 2024-06-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX  sold the debt to another company. They are reporting the wrong date. I was not supposed to be sold to a 3rd party. I did not authorize this transaction.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

I am not liable for this debt with CAINE & WEINER, they did not provide me with the original contract as I requested. This account was fraudulently opened in my name due to identity theft.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (UT)

I attempted to get a copy of the contract between myself and Midland Credit Management and they were unable to provide that contract. So they are attempting to collect a debt that I do not owe them. I spoke to XXXX representatives, XXXX XXXX and XXXX XXXX and neither was able to provide me with a copy of the contract.
Consumer complaint received 2024-06-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Manley Deas & Kochalski LLC (NE)

I have a vacation ownership with XXXX XXXX. I received a foreclosure letter from a lawfirm without ever receiving any notice of a past due balance from XXXX. XXXX claims notices were sent to an old address ; however, all of my mail is forwarded from that address and I have not received any notifications. Went to the XXXX website to view my statements and no statements are available. I was told that because the account has been sent to foreclosure, I can not view any statements. So essentially, they are telling me I have to pay an amount I can not even review a statement for.
Consumer complaint received 2024-06-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (TN)

I borrowed money from World Finance and they added on fees as they rushed me through the signing process. i.e. an insurance charge that this type of loan does not require, some other monies in case of my death that, again, I did not need. This company is definitely a predatory loan company. I am on XXXX and the loan with the added extreme interest rate are darn near what I get in a year.

I have asked them to remove these items and refinance my loan, as well as correct some errors in the paper work that are not correct all to be told, once it is in the system we can't change it and the obvious " you signed it ''!!

Please help! Sincere thanks.
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I opened a store account through XXXX Comenity Capital Bank, XXXX XXXX when promoting 15 % off purchase. I gave the lady at register my current license. XXXX XXXX XXXX XX/XX/XXXX I realized I never recieved a card or statement from XXXX. I contacted customer service to notify that I have not recieved anything but I wanted to pay the balance and close the account. Which I thought I did. XX/XX/XXXX my husband and I apply for HELOC and bank notifies me that my credit score is XXXX because of outstanding balance of XXXX to Comennity Bank. I still never recieved a statement in the mail or email. Comenity Bank called a couple times but I didn't answer assuming it was a scam call because I wasn't aware of having any loans with them. I contacted Comenity Bank and immediatly paid the XXXX ( although I should have disputed but trying to fix my credit score fast for HELOC ). The agent explained that when I paid off the balance owed and closed the account, Comenity Bank charged me interest the next day, which I was unaware of and accummulated into the {$140.00} -- of their fees and charges on this closed account. I also verifyed my address on file which was still wrong. It was an address I hadn't lived in over 12 years and definitely was not on my license. XX/XX/XXXX several days later I called Comenity Bank again requesting my account number so I could pull information up online so I could write to Comenity with the statements asking them to reverse the credit score and refund the ( XXXX + the now {$2.00} ). I never had the account number and I was unable to set up online to view the account. During this call I asked to double check there was no balacne and the account was closed -- I asked her to say the amount out loud so I could record -- which she said I wasn't allowed to do but the credit card company has recordings of all conversations. That is when I was notifed that I was charged AGAIN ( {$2.00} ) and would need to pay it off -- on the same closed account. This is two times this company has charged interest to me on a closed account. I have had excellent credit for 30 years and I would have never let a minimal charge ruin my credit if I would have known about it.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (MS)

I co-signed on an auto loan with my ex-husband. He failed to make the payments on the vehicle which resulted in charge-off and repossession of the vehicle. I received a XXXX cancellation of debt which was to be filed with the IRS, on top of the company repossessing the vehicle. However, this account is still reporting as a charge off with a balance owed on my credit report. I have disputed this with the credit bureaus on numerous occasions. I have also contacted the company requesting proof of balance owed, repossession, and whether the vehicle has been sold and the amount that it was sold for since according to the FRCA, the consumer does have a right to this information. When I contact the company, no one seems to know what I am talking about and I have not received any proof of the requested information.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

My understanding is there are new laws in place that limit the amount credit card companies can charge in fees I am still being charged {$35.00} at XXXX  of the due date. Ever since the law changed I no longer receive email reminders that this card is due and I believe Capital One is just trying to farm extra fees.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (ME)

Caine and Weiner took over a debt that I had with XXXX XXXX. When the debt was with XXXX the amount was {$80.00} and now they are saying that I owe them {$350.00}. When asked to send any information they had on the debt including amounts and dates I was told that they do not have to do that and I am responsible for paying the amount in full. I was able to get the account removed from my XXXX report but now they have posted it on XXXX and XXXX. When disputed through XXXX they said the debt was again valid and it would not be removed from my report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

From the police report ( CV- crime victim ) AT XXXX XXXX STATED THAT SHE WAS ON XXXX WHEN A XXXX ACCOUNT BY THE USERNAME XXXX XXXX XXXX OFFERED THE CV CONCERT TICKETS. CV AGREED TO BUY THE TICKETS FROM THE PERSON ON XXXX AND SENT THEM A XXXX OF {$1400.00}. THE XXXX PHONE NUMBER IS XXXX AND IT BELONGS TO SOMEONE BY THE NAME OF XXXX XXXX CV NEVER RECEIVED THE TICKETS. 

Police Report about the incident is attached.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX The account is showing that I was 30 days late. I have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX is {$8800.00} This account is show 30 day late. have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MN)

Dear AmSher Collection Services Inc., I am writing to formally dispute and request validation of the alleged debt you are attempting to collect, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ).

I dispute the validity of the debt, and I am requesting that you provide the following information : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is owed. 
XXXX. Verification or a copy of any judgment, if applicable. 
XXXX. Proof that you are licensed to collect debts in Minnesota. 
XXXX. A complete payment history, including details of all charges and fees associated with the debt. 
XXXX. The original signed contract or agreement, bearing my signature. 

I am aware of my rights under 15 U.S. Code 1692 ( c ) ( A ), which prohibits debt collectors from communicating with me in a manner that is inconvenient, including via phone calls, texts, or emails, without my prior consent.

I do not consent to be contacted via phone calls, texts, or emails regarding this debt. Please ensure that all communication is conducted in writing, sent to the address provided above.

Additionally, I want to bring to your attention the congressional findings and declaration of purpose outlined in 15 U.S. Code 1692, emphasizing the FDCPA 's goal of eliminating abusive debt collection practices.

I request that you cease any communication with me until you have provided the requested information and validated the debt, as required by law. Failure to comply with these requests may result in legal action.

Your prompt attention to this matter is appreciated. Please send all correspondence related to this issue to the address listed above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple XXXX  issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX, I contacted Navient through their " Online Help '' service and requested, in accordance with the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 ; a copy of my original loan application, master promissory notes, and disclosure statements. To date, I have not received any response from Navient, nor have I received the requested documents.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Experian reported to me that my XXXX XXXX Credit Card ( in which I am an authorized user ), was closed. This information was NOT correct, so I therefore made a dispute on my Credit Report and told Experian as such. Subsequently after their investigation was done, they deleted it instead. I still have the card as it is open ( account number starts with XXXX opened on XX/XX/year> ) and XXXX and XXXX have verified it as such. There is no way online for me to reopen the dispute since it has disappeared off my report entirely, and the phone hotline transfers me to a customer representative that was not helpful.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. 
Thank you for your attention to detail in this matter.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The follow ing accounts are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXXXXXX Balance : {$440.00}