{"took":655,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3263344","_score":20.040144,"_source":{"product":"Student loan","complaint_what_happened":"My ex husband from a divorce 19 years ago, named XXXX XXXX XXXX, now deceased, has had obvious credit fraud against his social security number. \nToday a declined XXXX department store credit letter came to my address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, in his name. Also, other harassing threatening calls from XXXX, stating I have a legal matter in the judicial district and they know what my license plate number is and my make and model of my vehicle. I believe this is happening because i reported discrepancies with the college loan lender servicing company : Performant Recovery Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. It is my belief this company is using a retaliation tactic to cause harassment against me, now by using my DECEASED, ex husbands social security number to create more credit fraud. \nPlease investigate this company, who had my ex husbands social security number, on loan documents from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. I had requested the loan be removed from collections with Performant  due to the death of the primary signer on XXXX Student loans that I co signed XXXX. XXXX death certificate was filed on XX/XX/2016, in XXXX County, Colorado, # XXXX. I am trying to get the credit bureaus to freeze his social security number, however, i have to send them all the death certificate and a form in the mail, they will not do this over the phone. \nPlease investigate the tactics of these companies and the use of the client information systems.","date_sent_to_company":"2019-06-10T12:24:50.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"80111","tags":null,"has_narrative":true,"complaint_id":"3263344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Performant Financial Corporation","date_received":"2019-06-04T02:26:36.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["My ex husband from a divorce 19 years ago, named XXXX XXXX XXXX, now deceased, has had obvious credit fraud against his social <em>security</em> number. \nToday a declined XXXX department store credit letter came to my address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, in his name. Also, other harassing threatening calls from XXXX, stating I have a legal matter in the judicial district and they know what my <em>license</em> plate number is and my <em>make</em> and <em>model</em> of my <em>vehicle</em>."]},"sort":[20.040144,"3263344"]},{"_index":"complaint-public-v1","_id":"6187082","_score":18.540339,"_source":{"product":"Debt collection","complaint_what_happened":"I received XXXX calls from XXXX in regard to a debt that I do not own them. They also called my ex-wife and sent her a text message and sent her a text message with the last XXXX of my social security number and my vehicle make and model and license plate number and threatened a judgment against me and garnishment and sent a text message to my mother after I told them to cease and desist. I have sent them emails to cease and desist. This company They have contacted family members, and I request them to cease and desist from doing so. I've received multiple calls per day which is also illegal per the FDCPA that reads \" it prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I have received no documentation of any debt owed to them. They are clearly violating my rights as a consumer and violating the FDCPA and the FCRA. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regard to current consumer protection laws. Please note that I am not concerned with the verification of this debt. Send me the VALIDATION at once. In your validation response., provide me with the following : 1 A description of what the money you are alleging I owe you is for. 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 3. An explanation of who the original creditor is and when this account was the last paid to the original creditor and an originating document with a wet signature 4. Send me prof that the statute of limitations on the account has not expired. 5. Include your license number ( all of them ). and your registered agent 's information. Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempts to contact me regarding this account other than to notify me of your error by regular postal mail. If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this immediately.","date_sent_to_company":"2022-11-10T21:39:51.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"44313","tags":null,"has_narrative":true,"complaint_id":"6187082","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"AA Recovery Solutions, Inc.","date_received":"2022-11-10T21:36:23.000Z","state":"OH","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["They also called my ex-wife and sent her a text message and sent her a text message with the last XXXX of my social <em>security</em> number and my <em>vehicle</em> <em>make</em> and <em>model</em> and <em>license</em> plate number and threatened a judgment against me and garnishment and sent a text message to my mother after I told them to cease and desist. I have sent them emails to cease and desist. This company They have contacted family members, and I request them to cease and desist from doing so."]},"sort":[18.540339,"6187082"]},{"_index":"complaint-public-v1","_id":"3679700","_score":14.450176,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I tried to switch my car insurance to XXXX in XX/XX/XXXX/XX/XX/XXXX. During the process I received a quote, and as I migrated to the payment screen my rate had doubled because apparently there was an accident on my C.L.U.E . report that I did not list. Confused, I contacted XXXX where they informed me of an accident reported by LexisNexis in XX/XX/XXXX ( the first time I had ever even heard of this company. ) I told XXXX that this was a mistake, as I was recovering from a broken back in XX/XX/XXXX and not driving at all. They told me there was nothing they could do and that I would have to contact LexisNexis to resolve my issue. After giving me a number for LexisNexis, I called right away. \n\nI called LexisNexis several times since around XX/XX/XXXX/XX/XX/XXXX. The first time I was unable to reach a live person and after giving all my pertinent personal information to request my C.L.U.E . report I was told I would receive correspondence in the mail within 14 business days. Around a week or two later I received a letter which said they were unable to process my request and provided me with no information at all. After calling XXXX once again they were able to give me a reference number which they said would help me get the information I needed. \n\nI gave LexisNexis another call and was once again greeted by a computer which was completely unable to understand any of the information I was giving it ( also there was no option to type in the information using my phone. ) I finally decided to give LexisNexis an email on XX/XX/XXXX to which I received no confirmation or response. To my surprise, on XX/XX/XXXX I finally received a response with the information I requested 2-3 months ago. \n\nThe incident that LexisNexis reported on my C.L.U.E . report was for a completely different individual ( as I suspected. ) However, it is incomprehensible to me how they got our information confused. We have different first and middle names, different social security numbers ( YES THEY SENT HIS SOCIAL SECURITY NUMBER TO ME ), different addresses, different email addresses, different vehicles, different insurance companies, different drivers license numbers - I am sure you get the point. \n\nTo summarize, my issue is that erroneous information is being reported on my C.L.U.E . report, which is costing me money. Not only that, but there is no reason for this confusion to happen in the first place. Additionally, and much more egregious, LexisNexis is completely mishandling our personal information ( my own and this other individual. ) I now have access to every address this individual has ever lived at, his social security number, the names of his family members, the make/model/VIN number of his vehicle ( and closely related family members ), even some of his credit history has been disclosed, and much more sensitive information. And I am sure this is a 2-way street. All of my personal information in this file that actually pertains to me is likely being reported to this other individual.\n\nAt the end of the day, even if LexisNexis were to resolve my issues, I am the one who had to pay more in car insurance. I am the one who had to wait all this time and go through this insane process to clear their mistake. Who knows how much damage was actually caused through LexisNexis 's mistakes? And why is the onus on me to fix their mistakes? Completely unacceptable.","date_sent_to_company":"2020-06-02T19:33:48.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"08053","tags":null,"has_narrative":true,"complaint_id":"3679700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2020-06-02T18:36:56.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Additionally, and much more egregious, LexisNexis is completely mishandling our personal information ( my own and this other individual. ) I now have access to every address this individual has ever lived at, his social <em>security</em> number, the names of his family members, the <em>make</em>/<em>model</em>/VIN number of his <em>vehicle</em> ( and closely related family members ), even some of his credit history has been disclosed, and much more sensitive information. And I am sure this is a 2-way street."]},"sort":[14.450176,"3679700"]},{"_index":"complaint-public-v1","_id":"5954185","_score":13.935316,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX ( WELLS FARGO DEALER ) Re : Acct # XXXX ( WELLS FARGO BANK ) Make of car : XXXX XXXX  color : XXXX  Model : XXXX  # XXXX I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \nThe Account above need to be deleted. \nThe reporting of that account is in violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at ( XXXX XXXX XXXX XXXX ) on XX/XX/2021. \nI have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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( b ) OPT OUT ( 1 ) XXXX XXXX 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 ) ( C ) XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \nXXXX XXXX XXXX XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \nXXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nthe 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 the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to RELEASE THE VEHICLE TITLE and delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\n15 U.S. Code 1635 B - Right of rescission as to certain transactions b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION ( XXXX ) on the basis of XXXX, XXXX, XXXX, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards consumer agent XXXX XXXX XXXX","date_sent_to_company":"2022-09-06T18:39:21.000Z","issue":"Vehicle was repossessed or sold the vehicle","sub_product":"Title loan","zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"5954185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-09-06T18:20:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This <em>vehicle</em> was purchased at ( XXXX XXXX XXXX XXXX ) on XX/XX/2021."],"issue":["<em>Vehicle</em> was repossessed or sold the <em>vehicle</em>"]},"sort":[13.935316,"5954185"]},{"_index":"complaint-public-v1","_id":"10552651","_score":13.034142,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Acct # XXXX Re : Acct # XXXX Make of car : XXXX Model : XXXX  VIN # XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \nList of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX in XX/XX/year>. \n\nI have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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( b ) Opt out ( XXXX ) In generalA 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\nXXXX XXXX of XXXX did not disclose this information to me that is required by federal law. \nXXXX XXXX of XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. \nXXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-10-23T13:20:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27703","tags":"Servicemember","has_narrative":true,"complaint_id":"10552651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-10-23T13:10:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account/s and transactions. This <em>vehicle</em> was purchased at XXXX XXXX XXXX in XX/XX/year>."]},"sort":[13.034142,"10552651"]},{"_index":"complaint-public-v1","_id":"6200044","_score":12.5464525,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Re : ACCOUNT # XXXX ( XXXX XXXX XXXX ) Make of car : XXXX Model : XXXX XXXXXXXX. I demand the below accounts deleted from my consumer report immediately. \nACCOUNT # XXXX ( XXXX XXXX XXXX ) The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. The vehicle purchased at XXXX XXXX XXXX and financed though XXXX XXXX XXXX. \n\nI have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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( b ) OPT OUT ( XXXX ) IN GENERALA 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\n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations of several federal law you have XXXX calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \nXXXX5 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nCC : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : FEDERAL TRADE COMMISSION ( FTC ) XXXX XXXX XXXX, XXXX","date_sent_to_company":"2022-11-15T02:58:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34974","tags":null,"has_narrative":true,"complaint_id":"6200044","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-15T02:58:29.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. The <em>vehicle</em> purchased at XXXX XXXX XXXX and financed though XXXX XXXX XXXX."]},"sort":[12.5464525,"6200044"]},{"_index":"complaint-public-v1","_id":"8570282","_score":12.540027,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Make of car : XXXX Model : XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \n\nList of accounts to be deleted XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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( b ) OPT OUT ( 1 ) IN GENERALA 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( XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n\n( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-03-19T02:52:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"8570282","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-19T02:52:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[12.540027,"8570282"]},{"_index":"complaint-public-v1","_id":"8570112","_score":12.540027,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Make of car : XXXX Model : XXXX  XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \n\nList of accounts to be deleted GM FINANCIAL The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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 XXXX of this title. \n( b ) OPT OUT ( 1 ) IN GENERALA 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 XXXX 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( XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n\n( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-03-19T02:52:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"8570112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2024-03-19T02:31:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[12.540027,"8570112"]},{"_index":"complaint-public-v1","_id":"8570187","_score":12.508406,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Make of car : XXXX Model : XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \n\nList of accounts to be deleted XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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 GENERALA 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( XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n\n( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-03-19T02:52:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"8570187","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-19T02:52:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[12.508406,"8570187"]},{"_index":"complaint-public-v1","_id":"8570261","_score":12.501677,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Make of car : XXXX Model : XXXX  XXXX To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \n\nList of accounts to be deleted XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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 GENERALA 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( XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n\n( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have XXXX calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-03-19T02:52:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"8570261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-19T02:52:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[12.501677,"8570261"]},{"_index":"complaint-public-v1","_id":"6220382","_score":11.178291,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CERTIFIED PRIORITY MAIL Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX ( XXXX XXXX XXXX ) Make of car : XXXX Model : XXXXXXXX XXXX  To Whom It May Concern : I am in receipt of your correspondence dated XXXX, XXXX XXXX. I hereby contest to the validity of all your claims. I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \nXXXX XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer credit card or similar device ; of a So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. The vehicle purchased at XXXXXXXX XXXX XXXXXXXX XXXX and financed though XXXX XXXX XXXX. \n\nI have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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( b ) OPT OUT ( 1 ) IN GENERALA 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\n( XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) did not disclose this information to me that is required by federal law. \n( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n( XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.\n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \nCC : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) CC : THE XXXX XXXX XXXX ( XXXX ) CC : FEDERAL TRADE COMMISSION ( FTC ) Very truly yours, XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-11-18T17:43:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34974","tags":null,"has_narrative":true,"complaint_id":"6220382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-18T17:38:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. The <em>vehicle</em> purchased at XXXXXXXX XXXX XXXXXXXX XXXX and financed though XXXX XXXX XXXX."]},"sort":[11.178291,"6220382"]},{"_index":"complaint-public-v1","_id":"7117620","_score":8.0596695,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I was pre-approved for {$52000.00} with XXXX XXXX XXXX XXXX. On XX/XX/XXXX I found a car for sale that meet my monthly payment criteria with all the desired add-ons. Using the XXXX XXXX XXXX portal I reached out the dealership XXXXXXXX XXXX XXXX XXXX XXXX  to confirm availability and schedule a test drive. That day I went up to the dealership to finalize the consumer sale transaction. \nI was violated by XXXX XXXX XXXX of XXXX XXXX. On XX/XX/XXXX I was in need of a vehicle and decided to go with XXXX XXXX XXXX. Using their auto locator website I found a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX XXXX. Agreed upon price {$19000.00}. Or so I was mislead to believe that was the agreed purchase price for everything we ( the Sales Associate XXXX XXXX and I ) had discussed and went back forth about, had agreed to. Until his Sales manager came into the transaction. \n\nMy application for an auto loan with XXXX XXXX was pre approved. When I presented my pre-approval information the XXXX XXXX XXXX asked me for my ID and to complete a one page piece of paper, he stated was in order to bring up my pre-approval information. This was false and misleading information pertaining what was need to access my pre-approval as my pre-approval letter states to simply provide them this letter with my confirmation information on it and the dealership will call XXXX XXXX once I have selected a vehicle. He later asked me to email him this letter to XXXX. He also stated several times during my time at the dealership all vehicle at XXXX XXXX XXXX come with Paint and interior protection. This provides peace of mind when it comes to damages outside or inside all of our vehicles, he stated this four times. Twice outside prior to me agreeing to a test drive. Again when I returned from the test drive and we were going back into the office building. Then once again while sitting at his desk while I was waiting for the Sales Manager to bring the terms of my XXXX XXXX XXXX approval. \n\nThe Sales Manager violated me and my consumer rights during this consumer transaction several times. He informed me of false and misleading information pertaining to the requirements in order to complete the purchase of the vehicle using my preapproval. The Sales Manager stated that in order to move forward with my pre-approval with XXXX the bank required me to put a down payment of {$8000.00} on a Purchase price of {$19000.00} and that my interest rate would be 18.5 %. Pursuant to 15 USC 1662b it is illegal to require a down payment in conjunction with an extension of consumer credit. It is a fact that I was told that the cash down payment was the only way I could move forward with using my pre-approval finance I already obtain prior to arriving in their office. When I asked for a copy of these terms in writing, I was refused a copy. The manager then proceeded to inform me of other financing options and terms. After leaving the dealership I was able to go through my emails and my credit monitoring alerts informed me that my credit had been ran numerous times during my time at the dealership on XXXX XXXX XXXX PST. So now I have hard inquiries on my report when the XXXX XXXX and XXXX XXXX XXXX were the only two with my personal information. Per the congressional findings of Truth In Lending Act, The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to them and avoid the uninformed use of credit. The Sales Manager stole my identity to offer other financing options that did not benefit me, was not requested by me, nor authorized. None were within the payment range I stated several times my budget could allow for. The Sales Manager then informed me I was required to purchase extended warranties to be approved for financing options that would be closer to my price point. This information left me to be convinced a that my only option was to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that I didn't need ( had pre-approval ), didn't want ( I stated several times I did not want any extras ) or can't afford ( I stated my budget and the max I could afford, which is why I wanted to see my terms from my approval with XXXX XXXX  it was well within my price range prior to me arriving in this office ). I am still receiving denial of credit letters for auto loan credit extension to this day steaming from this identity theft. \n\nWhen I asked for a copy of my consumer transaction file, I was told that I would get a copy of my signed contract and all documents withing 2-3 days via email. After 10 days I had to go back to the dealership to obtain a copy of my signed documents. When I arrive the Sales manager stated that they did not have my email, which is absolutely false. As I emailed them my proof of insurance, which they required of me before I was able to complete the transaction. Also emailed them a copy of my XXXX pre-approval letter to facilitate the completion of my pre-approval application. \n\nOnce I had a copy of my consumer transaction paperwork, I was able to look further into the documents. I have found so many inaccuracies regarding the information example the credit application that has a signature, not mine as I do not sign with ANY letters directly on top of each other, I also do not use the leading 0 when writing the day for dates ( compare my signature on other the pages ) that I did not fill, submit, nor sign at the time of sale. \n\nI was never given a full breakdown of what was included in the finance charge in either contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. Any fraud vitiates the entire financial transaction. Finance charge is on money given to you, not credit transactions Agreement has finance charges by the finance company in this case XXXX XXXX XXXX, committed predatory lending in a consumer credit transaction under Regulation Z. Pursuant to15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. How is it possible to be in agreement/contract with three entities regarding the same vehicle? Proof will be provided. CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation ) TD Auto very first correspondence was an attempt to collect a debt and no disclosures were provided. \n\nXXXX It is a fact that once there is a dispute of any billing error, a creditor can not report any information to a 3rd party until the dispute has been resolved, pursuant to 15 USC 1666a. It is a fact that it was never disclosed that all service fees were to be included with the finance charge as noted per 15 USC 1605. It is my understanding that any and all services that may be needed for the life of this vehicle will be covered by your company and that I would only be responsible for the cost of parts. It is a fact that pursuant to 15 USC 1692c, I am providing notice that I refuse to pay any debt and as the original creditor ( since I created the debt ) I intend to invoke a specified remedy. It is a fact that disclosure of my rights to rescind the consumer credit transaction or the documents required for me to rescind the transaction was never provided to me as required pursuant to 15 USC 1635. Under 15 USC 1635, I am exercising my right to rescind the consumer credit transaction, which would include any power of attorney. Since the vehicle has depreciated in value it is not equitable for me to return the vehicle. Within 20 days of receiving this notice, you will return all payments made in relation to this contract as well as take all required action to reflect the termination of your security interest that was created by this consumer credit transaction. \n\nOn XX/XX/XXXX I mailed the following letter to both XXXX XXXX XXXX and TD Auto Finance via certified mail. TD Auto received this letter on XX/XX/XXXX at XXXX  ( Tracking number XXXX ). XXXX  received this letter XXXX XXXX XXXX XXXX Tracking number XXXX ). As of XX/XX/XXXX I have received a letter from XXXX which does not address what my letter has requested. TD Auto has still not responded, validated the debt, update my consumer report to reflect that this account is disputed and has violated FDCPA Section 805 ( a ) ( 3 ) and FDCA Section 1006.6 ( b ) ( 3 ) laws by continuing to attempt to collect on this fraudulent debt. Also contacting me at work even after I notified them, several times. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX TD AUTO FINANACE Re : Acct # XXXX Make of car : XXXX Model : XXXX XXXX # XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately. \nTD Auto Fin XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account and transactions. This vehicle was purchased at XXXX on XX/XX/XXXX. \n\nI have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( 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 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\nXXXX did not disclose this information to me that is required by federal law. \nXXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. \nXXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. \n\n\n\nBest Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX of a Debt Request Pursuant to 15 USC 1692g.\n\nBE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. \nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.\n\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark ( s ) is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).\n\nIf your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. \nIf your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. \n\nSincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. \nXXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants TD AUTO FINANACE the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open. \nHave any insurance claims been made by any creditor regarding this account? \no Yes o No Have any Judgements been obtained by any creditor regarding this account? \no Yes o No Please provide me the name and address of the bonding agent for TD AUTO FINANACE, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter. \nYour Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.\n\nPlease allow 30 calendar days for processing after I receive this information. \n\nThank You.","date_sent_to_company":"2023-06-14T20:06:52.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"92392","tags":"Servicemember","has_narrative":true,"complaint_id":"7117620","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-06-14T19:15:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account and transactions. This <em>vehicle</em> was purchased at XXXX on XX/XX/XXXX."],"product":["<em>Vehicle</em> loan or lease"]},"sort":[8.0596695,"7117620"]},{"_index":"complaint-public-v1","_id":"6538026","_score":7.844933,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the city of XXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX, XXXX I currently live in XXXXXXXX NC and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % APR!! This is very unfair practices now I will let my letter to XXXX, CFPB and the AG explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Credit Acceptance Corporation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( Credit Acceptance Corporation ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them. \n\nACCOUNT # XXXX ( Credit Acceptance Corporation ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.\n\nI am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. \n\nI have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( 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( 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. \nXXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on.\n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, sex or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2023-02-06T07:42:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"6538026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-02-06T07:35:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit.\n\nI am writing in regard to the above- referenced accounts and transactions. This <em>vehicle</em> was purchased at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX."]},"sort":[7.844933,"6538026"]},{"_index":"complaint-public-v1","_id":"6538917","_score":7.83576,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the XXXX XXXX XXXXXXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX XXXX I currently live in XXXX, XXXX and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % XXXX!! This is very unfair practices now I will let my letter to XXXX, CFPB and the AG explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( XXXX XXXX XXXX ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them. \n\nACCOUNT # XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations o\n\nf 15 USC 1681a, The Fair Credit Reporting Act. [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card\nis defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX \n\nI have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( 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( 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. \nXXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on. \nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, sex or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2023-02-06T07:42:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"6538917","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-06T07:42:22.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions."]},"sort":[7.83576,"6538917"]},{"_index":"complaint-public-v1","_id":"6538915","_score":7.83576,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the XXXX XXXX XXXXXXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX  first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX XXXX I currently live in XXXX, XXXX  and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % APR!! This is very unfair practices now I will let my letter to XXXX, CFPB and the XXXX explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( XXXX XXXX XXXX ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them. \n\nACCOUNT # XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX \n\nI have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( 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( 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. \nXXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on. \nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, XXXX or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2023-02-06T07:42:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"6538915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-06T07:42:22.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions."]},"sort":[7.83576,"6538915"]},{"_index":"complaint-public-v1","_id":"6538914","_score":7.823346,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the XXXX XXXX XXXXXXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX XXXX  I currently live in XXXX, XXXX  and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % XXXX!! This is very unfair practices now I will let my letter to XXXX, CFPB and the AG explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( XXXX XXXX XXXX ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them. \n\nACCOUNT # XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act. \n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX \n\nI have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( 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( 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. \nXXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on. \nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, sex or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2023-02-06T07:42:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"6538914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-06T07:42:22.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions."]},"sort":[7.823346,"6538914"]},{"_index":"complaint-public-v1","_id":"3130534","_score":7.7736516,"_source":{"product":"Checking or savings account","complaint_what_happened":"I would like for the CFPB to reopen & review all the facts and evidence in my Debit Card Dispute # XXXX from XX/XX/XXXX on file with my bank, Ally Bank. The disputes are for about 50-60 seperate online transactions totaling about {$4500.00} from XXXX XXXX / XXXX Ally Bank says that i missed the deadline by a few weeks to file these disputes to be totally covered for all of the charges totaling about {$4500.00}. I was lucky to even piece together this fraud at all.\n\nAfter 90 days of waiting XXXX only refunded me via that dispute {$200.00} from the total {$4500.00} due. XXXX was not willing to cooperate.\n\nDue to the overwhelming evidence of fraud, that timeline should be waived, I should be 100 % protected as a consumer and a Government Agency needs to step in and have the computer system just refund me my money automatically.\n\nThe CFPB needs to approve my complete chargeback and have the dispute team at Ally Bank & XXXX , Inc reverse all of the charges and refund me my {$4500.00}.\n\nAlly Bank says that its limited as to what it can do but I need the CFPB to step in here and resolve my case.\n\nXXXX should not even be allowed to have a credit card machine or bank account.\n\nI have reported this to over 15 Government Agencys Including : The XXXX XXXX XXXX : Case XXXX  The Federal Trade Commission : Case # XXXX   The California Dept of Insurance : Case # XXXX  The Florida Dept of Financial Services : Case # : SR # :XXXX Dispute with My Bank : Ally Bank , Dispute # XXXX  Also see my previous complaint to the CFPB regarding XXXX XXXX XXXX / XXXX   / XXXX XXXX XXXX XXXX which the CFPB said on XX/XX/XXXX that it has been forwarded to the FTC . * Complaint number : XXXX * Date submitted to CFPB : XX/XX/XXXX In my case with XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX my evidence & findings will show that Renters are provided with vehicles with serious defects, are not warned of potentially dangerous conditions that may exist or develop and are deprived of valuable information as to the true condition of their rental vehicles along with deceptive practices and unfair charges.\n\nXXXX XXXX / XXXX / XXXX XXXX XXXX XXXX used deception, deceptive & unfair practices, fraud, false pretense, false promise, misrepresentation & concealment as well as suppression & omission of material facts.\n\nXXXX XXXX, XXXX rented me 3 junk title, salvage, rebuilt title cars for 90 days at {$50.00} per day with full price insurance for cars that should not even be on the road as if they were new/undamaged at full price / top dollar prices. Their website says no junk title, salvage, rebuilt title cars allowed. When I brought it to their attention with proof they said I'm lying. They gave me the run around & now they even blocked my phone number from being able to call their XXXX Customer Service #. These guys did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform, they never disclosed anything to me and when confronted with this they lie and deny it all and then when I sent them the proof they totally ignore me & block my phone number. I have proof of all conversations & of all the evidence.\n\nThe full coverage they charged me for was with XXXX XXXX XXXX XXXX XXXX/ Policy # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX  XXXX XXXX Also, I have reported these guys to every agency that exists. I need help to get my money back.\n\nMy bank via dispute was unable to get me my {$4500.00} back because i missed the deadline to file a dispute by a few weeks.\n\nAfter months of giving me the run around XXXX finally wanted to arbitrate with their company XXXX / Dispute # XXXX / Arbitrator : XXXX XXXX XXXX, License # 193606, State Of California Bar I sent XXXX over 50 pages of evidence and proof that the damages I recieved were financial. After 2 weeks of wasting my time the arbitrator said that I lost the case and I dont even deserve 1 penny.\n\nNow XXXX is not honoring my request to have my decision appealed.\n\nI wrote this to XXXX  & to XXXX : It seems only right that I deserve an appeal and or an award of some sort When you step back and see the bigger picture of what is going on internally with XXXX here you start to notice a pattern.\n\nThe pattern is that XXXX is renting rebuilt, salvage, junk title cars with no disclosure on purpose to consumers as if they were undamaged at the highest possible price that you can rent a real undamaged car for per day at about {$40.00}. Plus they add {$13.00} per day of full coverage insurance for a junk car that is not even really insurable with full coverage. Their computer system must know these cars are junk but they turn a blind eye so they can make false profits.\n\nThen they sit back and wait to see who complains, they give them the run around for as long as they can, then whoever get to XXXX arbitration will never win the case or any money because XXXX has a nice scam going on here with the way they word their contracts.\n\nAnd they save all that money by just paying XXXX  a monthly retainer fee.\n\nThis is unfair and unethical behavior by a business. It really shows alot. XXXX also should not be associated with these fraudsters.\n\nI can't believe that the arbitrator did not even award me one penny. She said I failed to prove any damages. The damages were to my pocket. The damages were financial. Not to mention how they lied about everything and put me on a mission instead of giving me back a 50 % refund of {$2300.00} or so in the beginning.\n\nMy bank said if I would of disputed this in time I would of gotten back all of my {$4500.00}.\n\nSo I can't believe that the arbitrator didn't give me an award. And I am sure a jury will side with me.\n\nI will be fighting this to the end and now today i will include XXXX  as part of this full circle fraud lawsuit with XXXX. The top XXXX   bosses must know about this pattern.\n\nXXXX  and XXXX are putting people in danger and putting profits over human lives and zero regard for people financial stability or safety.\n\nThey basically sold me on a nice chocolate bar wrapped up in a bow with 24k gold paper 4 times in a row but when you start to see, taste and smell the chocolates up close and you start to decipher the recipe and ingredients and you do some research and you stumble on something then you realize that you really just ate 4 bars of dog poop. And with no warning or disclosure on the wrapper or website.\n\nRead My Entire Story Below : XXXX Rented Me 3 Salvage/Rebuilt Title Vehicles as if they were new/undamaged at full price / top dollar prices. Their website doesn't allow these damaged cars at all.\n\nThe representative said over the phone that the 3 cars seemed to fall threw the cracks and it made it onto their system 3 times in a row unchecked for salvage or rebuilt titles, where i ended renting them at top dollar prices for a junk car thats worth atleast 50 % less in value. They said that the car owner scammed them. I told them that, that is not my fault or problem. They put me in an unsafe vehicle. They never disclosed this to me and the product quality was not that of what i chose & agreed to pay for. I believe i paid off this guys junk cars with all the days that i rented it. Now he has a free car that i got ripped off on and i paid for.\n\nI rented 3 vehicles from the same owner on this platform. I rented these 3 junk cars for about 90 days in a row at {$50.00} per day for a grand total of about {$4500.00}. The rental dates were fromXX/XX/XXXX - XX/XX/XXXX.\n\nIt came to my attention on about XX/XX/XXXX that these cars all had damage. I contacted XXXX about this. The first rep said that the vehicle owner and his cars would be kicked off the platform. Then i asked for a 50 % refund for having over paid and being ripped off for a subpar product.\n\nThey said they would escalate it to the manager. The manager wrote back to me in 15 minutes and said that after careful review of the Florida DMV Database none of the cars had a rebuilt/salvage title. And he said that because of that reason my 50 % refund would be denied.\n\nI asked for proof of their findings and at the same time i did my own research and provided them with the evidence that all 3 cars were in fact rebuilt/salvage titles. They never responded to me after i sent them the proof. I then told them that they are giving me the run around and that i now want a full 100 % refund. I also tried to call them several times while i waited on hold for 15 minutes and an answering machine says to leave a message that no one will ever respond to. i finally got someone to answer on about XX/XX/XXXX and they said that the manager from the billing department knew about me and my problem and that they would be researching it. They never got back to me and no one answers the XXXX   #.\n\nThis Is The FREE FLORIDA DMV VIN # CHECK WEBSITE : XXXX XXXX XXXX These guys did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform, they never disclosed anything to me and when confronted with this they lie and deny it all and then when i sent them the proof they totally ignore me. I also had my bank helping me fight this.\n\n( Update : On XX/XX/XXXX My bank via dispute was only able to help me recover {$100.00} for 2 rental days & another {$100.00} for another 2 rental days for a total of {$200.00} for 4 rental days. Every rental day with insurance was exactly {$51.00} ) I have attached that evidence as well.\n\nMy bank was unable to help me recover anything more than the {$200.00}. I missed the deadline for the dispute protection timeline they say because I rented the cars from XX/XX/XXXX - XX/XX/XXXX but did the chargeback a bit to late towards the end of XX/XX/XXXX when I luckily found out about what XXXX did to me by putting 2 and 2 together and then I started asking XXXX questions. I feel that the dispute timeline should be waived do to the circumstances of fraud and deception that took time to unravel I have proof of all evidence and of the email conversations back and fourth between me and XXXX   which has been attached.\n\nI also believe that they still have these damaged cars on their platform and are charging people top dollar and not disclosing this information to them. I know there are more victims out there even after it has been brought to XXXX  's attention. These are unfair business practices that all of the management and employess in that business are aware of and they practice everyday. They are putting profits before peoples safety.\n\nI believe that these are grounds for a civil / class action lawsuit if they dont refund my money and stop these unfair practices. They are in the stock market under symbol : XXXX, they cant be doing this to people. They are also reporting profits earned that are based on these unfair and unsafe business practices.\n\nXXXX  has put me on a roller coaster ride back and fourth for over 5-6 months trying to recover my money and resolve this. I have wasted an extraordinary amount of time & energy doing research, making phone calls, writing emails, responding to emails, copying and pasting evidence, waiting on hold, and spending countless hours writing, documenting and reviewing all of my writings, documentation and organizing evidence, etc all due to XXXX  continuous lies and ways that they cheat & treat the consumer.\n\nI estimate that I have wasted about 75 hours of my personal time doing all of this work during this ordeal these 5-6 months. Not to mention that XXXX has dragged this on for almost 6 months for no reason when I have been trying to resolve this directly with them in good faith from the beginning.\n\nXXXX  left me out in the cold and they made me feel violated and I felt taken advantage of. I felt as if no one can hear me screaming for help. On top of everything they played games back and fourth and made me feel voiceless and helpless. They blocked my phone number from being able to call their XXXX  customer service number for help and they stopped responding to my emails. This caused me and is still causing me terrible stress.\n\nDuring this entire ordeal I have provided an overwhelming amount of evidence and proof of about 30-50 pages in length and XXXX  has just replied with 3 sentences in total.\n\nThis is what XXXX responded to the XXXX  with : Thank you for the opportunity to respond to this consumer complaint concerning the vehicles they rented on our platform.\n\nOur rentals are offered for ride-share drivers, and the reason for not allowing Salvage or Rebuilt titles on the site is due to most areas not accepting these types of vehicles for use with XXXX / XXXX.\n\nAs the vehicles are listed by the owners, not all states registrations show the salvage or rebuilt status on the documents used to verify a vehicle for the platform.\n\nAll vehicles mentioned by the consumer, including the user who listed them have been permanently removed from our site.\n\nThe price paid for these vehicles is set by the owner and the prices paid for rental of the consumers vehicles was {$30.00} - {$39.00} per day.\n\nDuring the entire duration of these rentals, the vehicles cause no issues for the consumer. We have no records of the consumer reaching out concerning these issues until after the rentals have ended.\n\nIf issues with the mechanical functionality with these rentals had occurred, then a refund would be due, however the renter kept the vehicles without incident and at this time no refund will be honored.\n\nI did NOT accept XXXX response via the XXXX XXXX XXXX Case # XXXX  and i wrote back to them explaining why below : There is NO excuse for allowing me to rent 3 seperate UNSAFE salvage / rebuilt tilte vehicles from the same person. My life was put in danger & so was the lives of my passengers. Your platform must have a robot or a human manually verify each and every vehicle that you have on your website by running the vin number on XXXX or XXXX. it costs money to do that and you guys dont want to pay for that safety check.\n\nYour response for not allowing salvage / rebuilt titles on your site is that : its due to most areas not accepting these types of vehicles for use with XXXX  / XXXX. Instead you should say that you do NOT allow salvage / rebuilt title vehicles on your site because they are unsafe pieces of junk that have been totally damaged and no one knows if someone has even died in these vehicles, these cars are worth XXXX dollars and they are ticking time bombs. I was a driver for only XXXX. I was also let down by XXXX because they didnt catch these junk cars that made it onto their system. XXXX  was the second line of defense to protect me and they also let me down.\n\nXXXX is trying to put the blame on the car owner that put his 3 junk cars on the website, but XXXX can not allow a random person to do that without fully verifying that the vehicle they have is not a junk car / death trap. They have no safety measures in place and that is totally unnaceptable. As the saying goes : \" Trust But Verify ''.\n\nXXXX  says that vehicles are listed by the car owners, and some states car registrations & documents do not show a vehicles title status when they upload a car to their platform.\n\nThat makes no sense. They have to have a way of verifying the junk that people are putting on their platform. I did the research for 3 cars and found everything out in 5 minutes by myself.\n\nNow they say that the user has been kicked out of the platform and all of his cars have been removed, but it is too late for that, he already ripped me off and stole my money. And I was the one that did all of the research and provided the evidence that got him kicked out. I did all the work.\n\nXXXX  also says that : The price paid for these vehicles is set by the owner and the prices paid for rental of the consumers vehicles was {$30.00} - {$39.00} per day. So XXXX allowed this guy to put a junk / salvage / rebuilt title car on their platform that is worth XXXX dollars or maybe {$190.00} PER MONTH at most so he can rent it to me for {$40.00} PER DAY which is equal to {$1200.00} PER MONTH.\n\nI believe that i totally paid of all of this guys junk cars, so now he has a free car that i paid top dollar for when it was worth XXXX. On top of the {$40.00} PER DAY car rental fee i had to pay {$13.00} per day for INSURANCE which is equal to {$400.00} PER MONTH for a junk car that the insurance should really be about {$75.00} PER MONTH. So in total i paid {$1600.00} per month for a car that was really worth at most in good condition about {$300.00} PER MONTH.\n\nI was scammed and overcharged by about 500 % every day / month for those cars.\n\nAll 3 rental cars did cause an issue for me. The nissans transmission broke. The XXXX  's brake system was broken and making a terrible screeching sound and the XXXX XXXX had a tire that exploded and has no spare tire, jack, or lug nut removal tool in the trunk. And all 3 cars were junk / rebuilt / salvage title.\n\nXXXX  says : During the entire duration of these rentals, the vehicles caused no issues for the consumer. We have no records of the consumer reaching out concerning these issues until after the rentals have ended. If issues with the mechanical functionality with these rentals had occurred, then a refund would be due, however the renter kept the vehicles without incident and at this time no refund will be honored.\n\nEverytime a car had a problem i would contact the car owner directly and he would say to not tell XXXX about it that he would just get me another better car. I obviously had 3 seperate mechanical problems with 3 seperate junk cars and a refund is due.\n\nAlso, I made no money buy using these junk cars for XXXX. I paid an average of {$53.00} PER DAY for the rental car with the insurance PLUS {$25.00} per day in gas that these junk cars were excessively consuming. So i paid for the car, insurance and gas daily about {$80.00}. On an average day with XXXX  i would only make $ XXXX- {$75.00} in a 8 hour - 10 hour period. I was just working to pay the car, i never made any profit from this. i lost all the way around and i want a 100 % refund. You failed to protect me as a consumer in every way possible. Financially and safety wise. Your website says NO salvage / rebuilt title cars allowed. You failed to deliver as promised for a product that was not as described on your website, aside from all the other thing you have done wrong. I also just checked the XXXX website and the guy that rented me 3 junk cars has a partner that i remembered he told me about, and that partner has a car dealer and he has a bunch of junk / salvage /rebuilt title cars on the XXXX  website right now as i type this note. Im sure that on the XXXX website today atleast 55 % of all the cars on their platform are junk / rebuilt / salvage title. XXXX  must be audited by an independent company to confirm that they are not still doing this to innocent people that work hard for their money. They are putting profits before saftey and they are playing with fire. i want 100 % of my money back. I have also been warning people on other consumer websites and all over social media, XXXX  and XXXX  and all of the car related groups.\n\nNo matter what XXXX says they need to fully verify & validate each vehicles information that a person uploads onto their platform in order to protect the consumer. If they fail to do so they need to fully compensate the person that eneded up renting these junk cars at full price. The XXXX websites says : \" No Junk, Salavage Or Rebuilt Titles Allowed '' plain and simple. They should put a Warning Sign on their website that says : \" We sometimes mess up and allow people to upload their junk, salvage, rebuilt title cars on the platform where unaware consumers pay full price and risk serious injury. '' XXXX  keeps saying that i never reported any problems that i had with each car to them. Car # 1 broke in 2 weeks because the transmission broke. So i called the owner directly and told him the car broke. He said ok no problem I will upload a new car to XXXX  and i will put you in a new car. Car # 2 also had problems with the brake system and the car owner said again ok no problem I will upload a new car to XXXX and i will put you in a new car. Then Car # 3 broke when the tire exploded and had no spare tire or tire removal tools and again he said ok no problem I will upload a new car to XXXX  and i will put you in a new car. At this time i was NOT aware that each of these 3 cars were all junk, rebuilt, salvage titles. XXXX also failed to disclose this to me each time. Obviously each car had a problem. Obivously XXXX never did any verifications on each car. XXXX  always says to contact the car owner directly when there is a problem with the car. After all XXXX says they are only a platform, so what can they do for me if a car breaks? Nothing. The car owner said he has 10 cars i can choose from, so that was the fastest solution for me. The next step & the first step should have been for them to tell the car owner : \" sorry we cant accept your cars on our platform due to the invalid title that came up on our inspection ''.\n\nFor Car # 3 The XXXX XXXX On XX/XX/XXXX I Contacted the XXXX Claims Department because a person very lightly hit the mirror of the car i was driving. I got a police report from the Florida Highway Patrol ( Crash # XXXX  ) for the incident that happened XX/XX/XXXX. The estimated amount of damage was around {$100.00}. I also notified the car owner at the same time so he can contact XXXX and so he can work it out with the driver at fault and their insurance. He was going to pay for the replacement top cover of the drivers side mirror. That was the only cosmetic damage & it did not require a stay at the body shop. The mirror top was going to be painted and then installed. It took about 4 days from XX/XX/XXXX -XX/XX/XXXX for me to hear from the car owner because he said he was out of the country on vacation. The car owner was unavailable and was on vacation out of the country almost every weekend.\n\nAt this point and time during the Claims Process, the XXXX  claims department blocked me as a driver while they investigated everything on their end for this incident they said. After 2 or 3 days of me being blocked from renting, XXXX reinstated my ability to re rent the same vehicle, Car # 3 after everything was squared away with the other drivers insurance and the car owner and XXXX all at the same time.\n\nDURING THIS CLAIMS INVESTIGATION AROUND XX/XX/XXXX NO ONE FROM XXXX CHECKED OR FLAGGED THE VEHICLE FOR HAVING A REBUILT, SALVAGE, JUNK TITLE. THEY JUST LET ME RE RENT IT AGAIN. ONCE AGAIN THEY FAILED TO PROTECT ME.\n\nAlso, for Car # 3 The XXXX XXXX on about XX/XX/XXXX I did a chargeback request to my bank for {$51.00} for the day of XX/XX/XXXX because the car tire exploded while i was driving. The car had no spare tire in the trunk, no lug nut removal tool and no car jack to lift the car. It took me about 4 hours to resolve this tire problem on my own. I had been asking the car owner for several weeks before the tire blew up when was he going to buy new tires because they were looking bald and he would just delay and stall me for time with excuses.\n\nI lost this dispute on XX/XX/XXXX for {$51.00} ( Ally Bank Dispute # XXXXXXXX XXXX XXXX ) because i failed to properly fill out all the forms my bank requested on time because i was just too busy with alot of things going on at once. I felt that i should have recieved this credit for the mission i was put on. I had to push the car by myself on a saturday night as the sun was setting all by myself.\n\nBasically that same day the tire blew up I decided to no longer deal with XXXX  or the car or the car owner. I could no longer concentrate, focus or trust the vehicles that I had been given. I did not feel safe on the road anymore. I lost all faith and felt unsafe and unsure of using these cars that i was being given. I kept feeling worried and afraid that i would break down again in the middle of no where at night all by myself. I emailed XXXX  and the car owner that I would no longer be renting the vehicle and I instructed the car owner to pick up the car at my house. It took him about 4 days to pick up the car because he was out of the country on vacation once again.\n\nXXXX seems to not care or not understand that i did everything correct as a consumer. I followed all of the rules and i played fair. I was the one scammed here.\n\nXXXX also said that they immediately kicked out the car owner and his cars from the site once they were alerted. Yea, i was the one that had to investigate everything by myself and i am the one who brought this to XXXX attention after they first said that they did a full review and said that all the cars titles were good. I then showed them proof that each car was a junk title. Its incredible how i am the one being scammed here and i have had to do all of the work and show all of the proof that XXXX  never did. Its like if i am doing a better job then everyone that works at XXXX.\n\nI am the one that got scammed, i am the one that figured this whole mess out, I am the one having to provide proof of everything while XXXX wants to sit back and put the blame on me and say that i did not do things correctly.\n\nThey want to deny my refund because they say : \" The consumer claims to have been put in danger, however they chose to continue with the rental, and continue making extensions with the rental. '' Well if i would have known that each car was a junk car i would of never of rented it or used it.\n\nXXXX XXXX says that i should of done this or done that, but they did zero to protect me.\n\nI called XXXX on XX/XX/XXXX to speak to a manager about my case. They told me on XX/XX/XXXX that a manager would call me back on XX/XX/XXXX. Mid day on XX/XX/XXXX XXXX still had not called me back, so i called them, the customer service rep said hold on one second while i find a manager, 2 minutes later the rep hung up on me, i called back the XXXX number and they have blocked my phone number from being able to call their XXXX  number for customer service.\n\nThis company is up to no good. Mid XXXX of XX/XX/XXXX I tried to contact at XXXX : XXXX XXXX. Phone : XXXX to let him know about my case. i got this number from the XXXX report. I called the # and this number i am still able to reach but it is just a recording that goes to an answering machine that no one answers or responds to. I will keep the XXXX updated on if they block me from this # as well.\n\nI have attached a snap shot of the video & The Video Link to watch the video that shows and plays the recording of me calling the XXXX  XXXX  customer service number on XX/XX/XXXX at XXXX and it says that I am still blocked from being able to call them and then it hangs up on me.\n\nWatch The Video of this on XXXX  : XXXX XXXX XXXX I also ask that XXXX provide & release evidence of all phone records & logs, email communications and recorded phone conversations regarding my account from every single conversation they have had with me. You will hear in these phone conversations the frustration & pain in my voice and the feeling of overwhelming confusion and mental & emotional abuse that I endured while everyone at XXXX played games with me, gave me the wrong information and did sneaky things & lied every single time to try to get rid of me and at the same time try to sweep everything under the rug. All of this abuse took place while I was genuinely trying to resolve everything in good faith with them.\n\nI have heard 5 different reasons & have as evidence & it is documented from 5 different people at XXXX  as to why they did not want to honor my refund, while at the same time no one addressed my concerns.\n\nI have also contacted and reporting eveything that XXXX  has been doing to the SEC ( U.S. Securities & Exchange Commission ) online via the investor compalint form. CASE NUMBER : XXXX.   Their stock symbol is XXXX. i feel that their stockholders and board members and others would like to know that XXXX daily profits involve lying to consumers and the rental of illegal unsafe vehicles to the public with no disclosure.\n\nI RETURNED THE LAST RENTAL ON XX/XX/XXXX. I LET XXXX KNOW ABOUT THESE JUNK, SALVAGE, REBUILT TITLE CARS ON 8/21/18 IMMEDIATELY AFTER I FOUND OUT ABOUT ALL OF THIS BY LUCK WHEN I WAS LOOKING AROUND THE XXXX   WEBSITE ONXX/XX/XXXX BECAUSE I WAS INTERESTED IN BUYING A CAR AND PUTTING IT FOR RENT ON THE XXXX  WEBSITE PLATFORM SO OTHERS COULD RENT IT FROM ME.\n\nI THEN WENT TO THEIR CAR INSURANCE & REGISTRATION SECTION TO READ MORE DETAILS & I SAW IT SAID : \" NO REBUILT OR SALVAGE TITLES ALLOWED ON XXXX. I THEN WENT TO THE TAB FOR MY PAST CAR RENTALS AND I WAS LOOKING AT THE YEAR, MAKES AND MODELS OF THE CARS I HAD RENTED.\n\nI THEN SAW THE VIN NUMBERS & SOMETHING INSIDE ME TOLD ME TO XXXX : HOW TO CHECK A CAR VIN NUMBER FOR FREE ONLINE & THE FLORIDA DEPARTMENT OF MOTOR VEHICLES, VEHICLE INFORMATION CHECK WEBSITE CAME UP.\n\nI ENTERED THE VIN NUMBER FOR 1 CAR IN THE SYSTEM AND I COULD NOT BELIEVE WHAT IT SAID : \" REBUILT/SALVAGE TITLE ''.\n\nMY FACE TURNED RED AND I COULDNT BELIEVE IT. I THEN ENTERED THE OTHER 2 VIN NUMBERS AND THEY WERE ALL THE SAME JUNK AS WELL.\n\nI WAS VERY UPSET & I IMMEDIATLEY CALLED XXXX & EMAILED THEM WITH MY FINDINGS AND THATS WHEN THIS WHOLE PROCESS BEGAN ON XX/XX/XXXX OF XXXX LYING TO ME AND GIVING ME THE RUN AROUND AND MISDIRECTING ME, ETC.\n\nXXXX is complaining that i took about 50 days after i returned the last vehicle to reach out for a refund. I would of reached out & made the same complaints & refund requests wheather i would of found out about this within 1 day or 1 year of having returned the last rental.\n\nI was lucky to even be able to find out about this whole mess, cover up & misdirection that XXXX put me through with these junk, salvage, rebuilt titles.\n\nXXXX  & their Insurance company & The XXXX Claims Department failed to pick up on this scam as it was happening to me live in real time. And it happened with 3 cars in a row. And plus they let me re rent the same car after i was blocked as a driver for the incident on XX/XX/XXXX without disclosing anything to me.\n\nAnd there is no excuse for the way XXXX treated me or handled this incident once i brought it to their attention. Their repeated lies, misdirection & total ignorance to this serious problem leads me to believe that they totally knew about this from the beginning & that they have done this in the past & will continue to do this to unsuspecting victims such as myself in the future. XXXX has to have a network/computer security team in their back office that has some sort of computer program that flags these cars on their platforms once it runs the VIN # s.\n\nI have tried over and over again from the beginning with XXXX to try and resolve this in good faith but even up till now they are just giving me the run around and there is no excuse for it.\n\nXXXX  did fraud on me, gave me an unsafe vehicle, gave me a poor quality product that was not as described, they failed to protect me as a consumer, they failed to properly inspect, confirm & certify the products they allow on their platform & they never disclosed anything to me.","date_sent_to_company":"2019-01-22T19:03:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33193","tags":null,"has_narrative":true,"complaint_id":"3130534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2019-01-22T17:10:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I THEN WENT TO THE TAB FOR MY PAST CAR RENTALS AND I WAS LOOKING AT THE YEAR, <em>MAKES</em> AND <em>MODELS</em> OF THE CARS I HAD RENTED.\n\nI THEN SAW THE VIN NUMBERS & SOMETHING INSIDE ME TOLD ME TO XXXX : HOW TO CHECK A CAR VIN NUMBER FOR FREE ONLINE & THE FLORIDA DEPARTMENT OF MOTOR <em>VEHICLES</em>, <em>VEHICLE</em> INFORMATION CHECK WEBSITE CAME UP.\n\nI ENTERED THE VIN NUMBER FOR 1 CAR IN THE SYSTEM AND I COULD NOT BELIEVE WHAT IT SAID : \" REBUILT/SALVAGE TITLE ''.\n\nMY FACE TURNED RED AND I COULDNT BELIEVE IT."]},"sort":[7.7736516,"3130534"]},{"_index":"complaint-public-v1","_id":"13994097","_score":7.7211685,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Open date of loan : XX/XX/XXXX Complaint Against : Capital One Auto Group/Kohls Capital One Credit Card Description of the Issues with Capital One Auto Group/Kohls Capital One Credit Card Violations noted below : 1 ) What Occurred/Issue # 1 : Unauthorized credit inquiries, hard checks on my credit report, specific dates documented ; have full documentation ( credit reports ) to support my claim, which I am prepared to provide upon request. Both done by Capital One Auto and Kohl 's Capital One Credit card company Violation # 1 : \" Fair Credit Reporting Act '' ( FCRA ). This law is designed to promote fairness and privacy of my information in the files of consumer reporting agencies. They were not obtained for a permissible purpose in which I had not initiated a transaction related to my existing account, and they also pulled my credit unauthorized as a \" hard inquiry '' multiple times without myself initiating any type of application, and without any other valid permissible purpose. They were essentially illegally accessing my private financial information. \n\nViolation # 2 : \" Permissable Purpose ''. The unauthorized hard credit checks were done by the same company in two separate divisions that handle both my auto loan and credit card. That significantly amplifies the violations, especially under MA law resulting in heightened FCRA violations and damages leading to a higher number of violations.\n\nViolation # 3 : \" Proof of Willfulness/Pattern : The fact that both divisions have been doing it strengthens my argument that it is not an isolated mistake, but potentially a systematic issue or a \" reckless disregard '' for FCRA compliance. This also indicates the possibility of \" willful noncompliance '' potentially leading to higher punitive damages. \n\nViolation # 4 : Compounding Harm : The multiple hard inquiries by the same company in two separate divisions ( Capital One Auto/Kohls Capital One Credit Card ) had an even more severe impact on my credit score. It led to higher actual damages debilitating my ability to seek any other alternative options such as auto refinancing etc. In conclusion the amplification of this matter is a two fold double activity.\n\n2 ) What Occurred/Issue # 2 : Not adhering to the fifteen day grace period for the whole period from XX/XX/XXXX to when I voluntarily surrendered the vehicle recently Capital One Auto Group did not comply with the original loan terms for one month since day one of the contract, every month I was considered past due at the end of the month, my payments and percentage rates increased, they would excessively call me if I was even one day overdue, I redundantly reminded them about the 15 day grace period, it was never comprehended or adhered to, and my credit score was impacted. Have full documentation and prepared to provide upon request.\n\nViolation # 1 : \" Breach of Contract ''. My auto loan was a legal contract. It outlined the terms and conditions, including the payment due dates, interest rates, and any grace periods for late payments which is a contractual allowance of extra time beyond the payment due date. These actions repeatedly and continuously repeatedly damaged my credit, APR, and monthly payments.\n\nViolation # 2 : \" Duty to furnish accurate information under the FCRA ''. Inaccurate Furnishings of information that requires the company to provide accurate information to credit bureaus. If I missed a payment on the due date for any month it was considered \" late '' and reported to the credit bureaus before the contractual grace period expired and before the customary 30 day reporting threshold of 30 days past the original due date. \n\nViolation # XXXX : \" Unfair or Deceptive Acts or Practices ''. What occurred strongly suggests unfair and deceptive practices. They were contractually obligated to honor the grace period in the contract and consistently failing to honor especially after multiple requests by myself is deceptive. This unfair practice caused repeated harm to my credit score, APRs, and monthly payments. After reviewing my total payment amounts towards the car itself and interest paid last month the interest paid gradually increasing throughout the course of time based on their actions ultimately concluding I had made more total payments in interest than in the vehicle itself. \n\nXXXX ) What Occurred/Issue # XXXX : Capital One has a history of aggressive, harassing, and excessive calling. When I did speak with that is what occurred with myself on a very frequent basis. When I did speak with them to try to compromise or have them understand what they were doing there was no accountability or responsibility for anything. It was always on me. When I did speak to them they were rude, I had to block them multiple times, and they still found a way to call me. They also called me more frequently on the weekends than during the week from observing all of the call records. I have all of the years, months, days, and times documented for every phone call if needed. \n\nViolation : Telephone Consumer Protection Act and Under Federal Law the Fair Debt Collection Practices Act. Specific FDCPA violations relating to this matter. \nViolation : Harassment or Abuse : This is the most direct violation for annoying phone calls. \n\nViolation : Unfair Debt Collection Practices. Repeated and Continuous Calls, Calling on the weekends during prohibited calling times, harassment or abuse. I also had the right to revoke consent asking them to stop calling me, blocking them multiple times after explaining my situation, and then continuing to find a way to call me. This indicates a violation of the telephone consumer protection act. NOTE : This company has a long standing history of class action lawsuits due to this and other violations. \n\nPossible Violation : \" Common Law Harrassment '' / '' Intentional Infliction of Emotional Distress '' : Despite this law being more extreme I had to make note of this and will express the fact that this all did cause XXXX XXXX XXXX XXXX XXXX and at times I really did feel like it was intentional despite being difficult to fully prove that I felt like their conduct was intentional and reckless. \n\nWhat Occurred/Issue # XXXX : On XX/XX/XXXX of XXXX Capital One reported an update regarding that as an issuer of the Kohls credit card that additional consumers had been identified as impacted by the breach and should receive letters about the incident. I found out about it on the class action website, inquired with them, and was informed that I was impacted by it. I was never notified by Capital One Kohl 's credit card and would have not known if I did not find out and inquire about it myself. They did not take or ensure proper steps to protect the information that was entrusted with their company. \n\nViolation by Kohl 's Capital One Credit Card : Violation # 1 : \" Massachusetts Data Breach Notification Law ''. I was not directly notified, especially given the Massachusetts Data Breach Notification Laws.\n\nI was not provided with : 1 ) The duty to notify residents. I was not given notice as soon as practical, there was not only a delay but no notification at all finding out myself, they were aware of the breach of security, and were aware that my personal information was acquired or used by an unauthorized person or used for an unlawful purpose. \n\n2 ) Violated my personal information : My full name could have been revealed as well as my social security number, driver 's license number, financial account number, medical information, other credit related information, and clearly falls under the definition of personal information triggering the notification requirement that never occurred.\n\nHow has this all impacted me : 1 ) The delayed mitigation not being promptly notified of the data breach : Not only was it delayed it was more than delayed having to notify and find out myself of what occurred. I was completely unaware that my information was compromised, if I was informed I could have taken immediate and necessary protective measures such checking my credit history, being offered credit monitoring services if I was informed, change passwords, or take any other prompt protective measures. If I had not found out myself it would have significantly increased my identity vulnerability and risk of harm. \n\nXXXX ) Emotional Distress and Time Spent : The discovery that my information was exposed while unlawfully not being notified in addition to my discovery that my information was exposed caused significant emotional distress, XXXX, and have been feeling more than violated not only due to this matter but the multiple prior matters in this letter. Words can't describe the overall impact all of this has had in every avenue of my life.\n\n3 ) This also led to the loss of opportunity to proactively protect my private information and if they had complied with MA law and notified me in a timely manner I would have been able to proactively do so. I was never offered any protection services let alone not being notified at all. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was also a victim of the XXXX XXXX XXXX breach a couple years ago, lost my XXXX XXXX  never received any type of support for my billing lost medical claims, other breaches have compiled since then, and have not recovered since. This just added to the XXXX XXXX XXXX and stress that I have experienced on a consistent basis since then and this situation made it even worse. \n\nXXXX ) Out of pocket costs : In addition to having to make higher car and credit card payments due to the prior occurrences noted in this letter in addition to this data breach I have no definitive number of how much additional costs have come out of my pocket but am aware of the amount of additional money I made in car and credit card payments due to what has been noted. \n\nXXXX ) What Occurred/Issue # 4 : I was not properly informed of the repossession per MA General Laws Chapter 255B, section 20 ( The Right to Cure Default Statute ) Violation # XXXX ) I was never given a clear opportunity to have repossession prevented, they failed to properly inform me prior to me surrendering the vehicle, and there was a lack of proper notice before potential repossession was threatened or implied. \n\nViolation # 2 ) Condition Precedent to Repossession : They can not repossess the vehicle or accelerate the maturity of the loan/meaning demand the full amount immediately unless they first sent me a very specific notice. That never happened. \n\nViolation # XXXX ) \" Required Title '' : I never received notice titled \" rights of defaulting buyer under the MA Motor Vehicle Installment Sales Act '' / '' Notice of right to cure ''. I was never sent this and was not informed or ensured that I fully understood the seriousness of my rights. \n\nViolation # 4 ) I was never given notice of the nature of the default, the specific missed payments, the exact amount necessary to cure the default, the specific dates in which any amount was to be paid, and was never given notice that if an amount was not paid by that date that they could repossess the vehicle. Nothing in that nature was ever received via regular mail, registered, or certified mail.\n\nIn conclusion, there is strong evidence to conclude that they did not meet any of the strict requirements indicating a violation of M.G.L c. 255B, 20A.\n\nViolation # 5 ) \" Failing to provide a legally mandated pre repossession notice ''. Violation of MA Consumer Protection Act : Capital One Auto failed to provide the legally mandated pre possession notice. A lender 's failure to comply with the requirement is considered an \" unfair and deceptive act or practice '' under Chapter 93A. \n\nConsequences of the Violations : Loss of Deficiency Balance. There was no proper 21 day \" right to cure '' notice as required by MA, Capital One should be held accountable for the deficiency balance, and they should not have any right to collect any deficiency balance from myself. \n\nRights Violated as a Consumer : Even with my voluntary surrender I honestly felt like I was more threatened than repossession, they made it seem inevitable, they hadn't sent the proper M.G.L c. 255B, 20 A notice, and strongly believe should be treated as an unlawful repossession.\n\nThe actual damages that occurred with myself : There is evidence to conclude that Capital One Auto 's violation was willful and knowing ignoring a the clear statutory requirement and if anything the amount of damages that occurred with myself and led to more actual damages to myself due to the multiple consumer laws that were broken by Capital One Auto and Kohl 's Capital One Credit Card Company. \n\nThe situation I am dealing with now : In addition to everything I have explained, in addition the negative remarks related to the repossession of my car are based on multiple unlawful acts by Capital One. \n\nAll of this lack of proper information contributed to me feeling compelled to surrender the vehicle and more than prevented me from exercising my legal right to cure the default. There were also other companies XXXX XXXX XXXX XXXX XXXX who engaged in unfair and deceptive practices and also contributed to the recent surrendering of the vehicle in which you will likely be hearing about in the near future. \n\nThey were all major contributors to the condition of the car when it was voluntarily surrendered because I am sure you will be informed of the condition of the car. Briefly to explain when I was moving out of my apartment in the end of XXXX I shut the trunk door and the window shattered pretty much on me, XXXX XXXX claimed I did not have full comprehensive coverage when I did, and I found out the windows were recalled years ago due to breaking easily with XXXX XXXX with the specific year, make, and model of my XXXX XXXX XXXX due to being poorly calibrated. \n\nI had to drive to PA to my Father 's due to having to move out of my apartment with an artificial rear windshield and on the way to my Father 's the front windshield got pebbled when going to visit my Father in PA ultimately not being able to drive the car due to the other two companies above. Also the interior got damaged from an interior restoration company who did a horrible job restoring the car after I attempted to superglue the front calibrated computer unit that was constantly falling down. The superglue leaked into the middle console, hired a company to restore, and made it worse. Not very good luck with the car period. \n\nI had made multiple claims to XXXX and they did nothing. There was also a recall on my fuel injection, they made appointments for me to come into their shop, I constantly told them I could n't drive the car, and they didn't comprehend. You will be hearing about these other XXXXwo companies in the near future. Words can't describe how much of an overall toll this has taken on me. But regardless, I hope you get a better understanding of my side of the story and a bigger picture. \n\nDue to all of the occurrences in this letter Capital One Ultimately filed to repossess the car from me, and these violations specifically their failure to accurately disclose fees as required by the Truth in Lending Act and their persistent harassment regarding payments that were already disputed created an untenable financial burden that directly impaired my ability to continue making timely payments. \n\nDespite my best efforts to keep up with everything before being fully aware of the unlawful practices I attempted to resolve these discrepancies and work on a solution with them multiple times and honestly felt like I was being punished, harrassed, or not compromised with every single time. The cumulative impact of their non compliance left me with no viable option but to surrender the vehicle to mitigate further damages. \n\nIt was only after their actions in addition to the other two companies XXXX XXXX XXXX XXXX XXXX where it came to the specific point where it made it impossible for me to continue as Capital One refused to acknowledge my disputes regarding their excessive charges or their illegal collection practices that began to impact me significantly. I was forced to conclude that continuing the financed loan was unsustainable due to their unlawful conduct. \n\nI would like to be unequivocally clear that I did not wish to surrender this vehicle. This action was taken under duress, as a direct consequence of Capital One Auto/Kohls Capital One egregious and unlawful behaviors. I firmly believe that their actions are the sole reason for this unfortunate outcome. \n\nThank you for taking the time to read this letter. Sometime in the near future you will be receiving the information on XXXX XXXX and XXXX XXXX, their unlawful and deceptive practices, and feel free to contact me if you have any questions. \n\nRegards, XXXX XXXX","date_sent_to_company":"2025-06-10T20:42:50.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"020XX","tags":null,"has_narrative":true,"complaint_id":"13994097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-10T20:00:01.000Z","state":"MA","company_public_response":null,"sub_issue":"Damage caused or loss of personal items in vehicle during the actual repossession"},"highlight":{"complaint_what_happened":["I was not given notice as soon as practical, there was not only a delay but no notification at all finding out myself, they were aware of the breach of <em>security</em>, and were aware that my personal information was acquired or used by an unauthorized person or used for an unlawful purpose. \n\n2 ) Violated my personal information : My full name could have been revealed as well as my social <em>security</em> number, driver 's <em>license</em> number, financial account number, medical information, other credit related information"],"product":["<em>Vehicle</em> loan or lease"],"sub_issue":["Damage caused or loss of personal items in <em>vehicle</em> during the actual repossession"]},"sort":[7.7211685,"13994097"]},{"_index":"complaint-public-v1","_id":"2680977","_score":6.8424616,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Okay just to be clear I have filed complaints since about 7 months ago with every federal, state, local,  house, goveneor, sheriff, chief, representatives and more I had sent out over 5000 emails,  an according t my XXXX bill I had made over 20,000 in the last two months alone. Denial letters from free legal services from missiouri and arkansas, denial from help from victiums of crimes special programs and denial from attorney generals and on and on and on. \n\nOk it kind of a long story it actually starts almost five months ago, lets just say since five months ago we have suffered hacking and scammers, and idenity theft and it was bad for a while we were  and are almosr 7000 in debt just from that alone not including everything on my credit record with is almost 70,000 which I thnk some is my student loans. Well after afew weeks the calmed down a bit.\nWell about a week  a month after that, I had to stop working because of my health being so XXXX so I havent worked in almost 4 months now and still waiting on XXXX to kick it.  \nWell we ended up having to get  another vehicle,  cause of my appointsments and hospital visits it wasnt working out with husbands shedule. And he was goning to lose his job if we kept at it\nSo on XX/XX/XXXX we finally got someone to give us a chance with a truck which my husband used for work sometimes.\nWell that was the first time XXXX XXXX lied to me, when they called me about being approved for sure I was told all we had to do was come and sign the papers and it was going to be XXXX  Dollars Down.  No more than that, I thought thank god,\nWell of course I still had not be released to go back to work yet not sure when I am going back honestly,  my health is XXXX XXXX, andy ways  about  a week of having the truck it started acting up they were very slow to respond abut the issue and it took  almost two weeks for them to actually do something about it.\n\nWell XX/XX/XXXX I told my husband since we were so far in debt with everything with the scamming and hacking that we was not going to have to file for bankcruptcy and I had researched online that we can file for a petition of affirmation of  automatitc stay of assets which would help keep the only assets we had\nWell I went online which since we had got hacked, and scammed and the idenity theft I had set up proxy, vpns, IP addresses,  and emails and everything it was that bad. \n\nWell I was online again looking for free legal help to fill the  paperwork out and were to get the forms from online frokm the district courst of missouri and I filled it all out the waviers for the courts cost and fees and everything else then was told that it  would be filed on XX/XX/XXXX and that afternoon was told go aheaed and send out to the dealerships and in a few days we finish the rest of the procedure and it was gonna cost like XXXX dollars well with me not working I had just got my last check and all  ihad left ws XXXX so I gave him that through online transfer. \n\nSo the next day XX/XX/XXXX at around XXXX we heard a tow truck outside and my husband went to look and their they were taking his truck, we had not received one call, one , text, or email or any notice that this was happening at all.   My husband jumped in my car and drove two hours away to talk to them to see what was going on and when he got there they \n\nTHE FINACE SIDE OF THE COMPANY TOLD HIM HE COULD HAVE THE TRUCK BACK IF HE PAID THEM XXXX FOR TOWING IT.   \nWELL WHY HE WAS OUT THERE I HAD GONE ONLINE AND FILIED OUT COMPLAINTS I KNOW THEY ARE IN THE WRONG FOR DOING THAT. \n\nWELL THAT SAME DAY I TALKED TO THE GM XXXX WHICH TOOK ME 8 TIMES TO GET HIM BECAUSE XXXX I THINK HER NAME WAS OR XXXX KEPT LYING TO ME WHEN I ASKE TO SPEAK TO THE GM SHE SAID SHE WAS AND THAT IS NOT HOW SHE INTRADUCED HERESLF ON THE PHONE WHEN ANSERING PLUS I HAD TALKE D TO HER MANY TIMES BEFORE.\n\nHAD TO GO THROUGH CUSTOMER SERVICE LINE AND ASK FOR GM FINALLY GOT  HIM XXXX\n\nAND HE SAID THAT BECAUSE FO THE COMPLAINTS I HAD SUBMITTED THATS WHY THEY TOOK THE TRUCK AND IT WAS BEING REVIEWED BY THEIR SUPPOSEDLY TEAM OF LEGAL REPRESENTATIVES. \n\nYET THEY TOLD MY HUSBAND THAT THEY RECEIVED THE PAPERS ABOUT THE BANK RUPTCY AND THAT IS THE REASON WHY THEY TOOKT THE TRUCK BACK.\n\nCONFLICTING STORIES THERE,  WELL SINCE THEN I HAVE BEEN ONLINE TRYING TO LEARN HOW TO UPGRADE TO EFILE WELL THAT WAS A WEEK WASTED TO COME AND FIND OUT I CANT WHEN I HAVE DOCUMENTS FROM ONLINE SHOWING AND STATING ON HOW YOU CAN IF YOU REPRESENTING YOURSELF PRO SE\n\nWELL IN THAT TIME THEY BARLY SPOKE TO ME THEY TALKED TO MY HUSBAND THOUGH.  WELL THRUSDAY HE TALKED TO THEM LATE EVENING  AND THEY TOLD HIM THAT IF I DROPPED THE LAWSUIT THAT THEY WOULD RETURN THE TRUCK BACK TO US AND WOULD BE CHARGED FOR THE TOWING\n\nFUNNY THING IS ABOUT THE WHOLE THING I NEVER FILED YET I GOT SOME HELP AND WE WERE HAVING SOMEONE SERVED A DEMAND LETTER WITH ONE OF THE BARGGININGS WAST TO RETURN THE TRUCK.\n\nSO APPARENTLY HE HAS BEEN TALKING TO XXXX, AND XXXX, AND XXXX AT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX\n\nWELL THE NEXT DAY I SENT VIA EMAIL AND ONLINE FAX TO HEADQUARTERS WELL WHAT THEY SHOW ONLINE AS HEADQUARTERS AND SENT TO THE XXXX NUMBER EMAIL EVEN THOUGH IST XXXX AR. XX/XX/XXXX EMAIL AS WELL. \n\n I  WLL ATTACH COPY OF THAT AS WELL, WELL DIDNT HEAR NOTHING AND MY HUSBAND ASKED ME TO CALL THEM SO  I DID STARTING AT XXXX XXXX TILL  ABOUT XXXX AT NIGHT WHEN I CALLED THEY HUNG UP, PUT ME ON HOLD FOREVER AND THEN HANG UP TAKE MESSAGE FOR XXXX AND SAID HE WAS BUSY AND DIDNT EVER CALL BACK AT ALL I CALLED EVERY NAME ON LIST TO CORP. OFFICE IN XXXX, IN AND LEFT MESSAGE STATING I SENT EMAIL EXKPLAING THE REASON WE WAS FILING AND THERE WAS NO LAWSUIT AND THAT ALL WE WANTED WAS WHAT WE ASKED FOR.   THEN  ABOUT XXXX XXXX XXXX FINALLY ANSERED THE DOOR HE \n\nSTATED TO ME HE TEXTED MY HUSBAD THAT MORING AND TOLD HIM THAT HE WOUDLNT KNOW TILL XXXX\nAND THAT HE MIGHT HAVE TO BE PUT INTO ANOTHER VEHICAL NOT THE TRUCK.\n\nNOW, I WAS VERY MAD SINCE FRIDAY I HAVE DONE NOTHING BUT RESEARCH AND RESEARCH AND I FOUND OUT A LOT OF THINGS \n\nWHICH ALL GO AGAINST OUR CIVIL RIGHTS, AND POOR WORK ETHICS ON THEIR POINT OF VEIW, \nNOW THEY TOLD MY HUSBAND THAT THE ONLY HE COULD HAVE HIS THINGS OUT OF THE CAR WAS TO GIVE BACK THE OTHER KEY .\n\nWELL LIKE I SAID I HVE RESEARCHED XX/XX/XXXX, XXXX XXXX AND I HAVE FOUND OUT A LOT ABOUT THIS COMPANY AND I ALSO HAVE AT LEAST OVER 25000 DOWNLOADS OF MISSIOURI,  ARKANSAS, AND XXXX  LAWS ON CIVIL RIGHS, CIVIL RIGHTS AND AUTOMOBILES AND CIVIL RIGHT AND REPOSSIONS AS WELL.\n\nI HAVE OVER 100 TABS SAVED ON PHONE AND LAPTOP AND DOCUMENTS ABOUIT THIS COMPANY, MANY LAWSUITS AND LOTS OF UNFAIR PRACTICES AND AND REPOSSESIONS AND MORE, \n\nI WILL ONLY SEND CERTAIN THINGS PRETAING TO THIS MOSTLY .\n\nEverything here I have got off their websites, contracts  as employees, share holders,  and more mainly going to focus on the problem at hand and I have read and downloaded all the law archives from Missouri, Arkansas, Indianan. I have read and downloaded the laws pertaining to civil rights, repossession and arbritaration laws as well and I  have downloaded the Byrider Franchising hand book 0n how they are to run the the XXXX XXXX XXXX XXXX stores the chains of commands policy they are to follow and more and I also have clips of the contract as well\nWHICH THE CONTRACT AND THEIR POLICYS CONTRADICT THEMSELVES AND THEY DID NOT FOLLOW ANY OF THE PROCEDURES ON CONTRACT OR HANDBOOK. Portioning to this mess.\n\nLike I mentioned before we were victims of crime again which was reported but of course due to lack of man power which was lied. XXXX  police officer said and time and no leads  cant do much about that problem at all, but the company XXXX XXXX would not even hear our story or didnt take any compassion to our situations.\n\n\nLISTED BELOW IS EVERYONE I HAD CALLED AND LEFT MESSAGES AND EMAILED AND FAXED LETTERS TO SEE ABOUT GETTING THIS CLEARED UP WITH OF COURSE NO RESPONSE FROM ANY OF THE MEMBERS WAS TOLD BY THE  EMPLOYEES OUT OF XXXX AR. XXXX XXXX THEY WERE NOT ALLOWED TO SPEAK TO US YET THEY CONTINUED COMMUICATION WITH MY HUSBAND NOT MUCH BUT MORE SO HIM THEN ME AND I AM THE BUYER\n\nSO ONLINE WHEN YOU LOOK UP MAIN HEADQUARTERS FOR XXXX XXXX THIS IS WHAT COMES UP //.\n\nXXXX XXXX\t\t\t\t\tAKA----XXXX \n\nXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nXXXX XXXX XXXX HEADQUARTERS              AFTER YOU REWORD THINGS COMES UP\nXXXX XXXX XXXX XXXX XXXX IN XXXX\nPhone--XXXX XXXX XXXX\nFax--XXXX XXXX XXXX\nEmail--XXXX\n\nSO THE WEBSITE IT GIVES A LIST OF NAMES OF SUPPOSEDLY THE PEOPLE RUNNING THIS LOCATION::\nXXXX XXXX PRESIDENT-- LEFT 6 MESSAGES ON VOICEMAIL, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX\n\nXXXX XXXX--CONSUMER AFFAIRS SPECIALIST ( WHICH THAT IS WHAT I WAS TOLD WHO I NEEDED TO SPEAK WITH)---XX/XX/XXXX    LEFT 15 VOICE MAILS\n\nXXXX XXXX--DIRCTOR OF SALES--XX/XX/XXXX  LEFT 8 MESSAGES\n\nXXXX XXXX XXXX-- XX/XX/XXXX  LEFT 4 VOICEMAILS\n\nXXXX XXXX-- LEFT 4 VOICEMAILS XX/XX/XXXX \nXXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS XXXX XXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS\n\nXXXX  XXXX--XX/XX/XXXX LEFT 5 VOICEMAILS XXXX XXXX--XX/XX/XXXX  LEFT 2 VOICEMAILS\n\nXXXX XXXX XXXX XXXX--XX/XX/XXXX  LEFT 6 VOICEMAILS\n\nSUPPOSEDLY EMAIL FOR OFFICE IS ----XXXX  WHICH GOES TO XXXX AR.   AND CUSTOMER SERVICE EMAIL IS XXXX\nWHICH IM SURE GOES TO XXXX AR. LOCATION AS WELL\n\nTHAT WAS ALL DAY SATURDAY I TRIED CALLING CORP OFFICE AND ONLY SENT OUT ONCE THE EMAIL TO THE EMAILS ON WEBSITES AND FAXED TO THE FAX NUMBERS AS WELL\n\nXXXX \nXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX I THINK HE A GM XXXX XXXX XXXX XXXX AND I THINK XXXX\n\nHAVE ALL SAID DIFFERENT STORIES TO ME WHEN AND IF THEY ANSWERED OR TOOK MY CALLS \n\nAND HAD TOLD MY HUSBAND MANY DIFFERENT STORIES AS WELL VERY CONFLICTING STORIES\n\n\n\nWELL I FOUND OUT\nXXXX CUSTOMER SERVICE IS LINKED TO BOTH PLACES AND TRANSFERS CALLS ONLY TO XXXX AR   I CALLED THEM 25 TIMES  XXXX\n\nSO I WAS MAD, MY HUSBAND WAS MAD CAUSE THEY KEEP LYING TO US AND TELLING US DIFFERENT STORIES.. SO I DID DIGGING AROUND ON EACH PERSON AND THE COMPANY ITSELF AND I DOWNLOAD ALL PUBLIC ARCHIEVES  OF THE LAWS FOR CONSUMERS AND BUSINESS AND ARBRITRATION LAWS AS WELL AND I WIL COPY AND PASTE WHAT I HAD SEND LINKS DOCUMENTS AND PICTURES TO BACK UP MY FINDINGS \n\nAND I ALSO CAME ACROSS THEIR FRANCISHING HAND BOOK ON HOW THEY ARE TO RUN THEIR BUSINESS AND HOW THEY TARGET PEOPLE WHO ARE FINIANCALLLY UNSTABLE AND LIE TO THEM AND CHARGING HOW MUCH INTERSET THEY WANT NO MORE THOUGH THAN  35% AND MORE I HAVE DOWNLOAD COMPLAINTS OF THINGS THEY HAVE DONE SIMILAR TO THIS AND NO BODY REALLY DONE MUCH\n\nI AM REQUESTING TWO THINGS AT THIS TIME\n\nFRIST IS THE TRUCK BACK WITH TITLE NO MORE LEASE AT ALL OR NEW TRUCK \n\nSECOND AND I WONT THIS IS A SUIT BROUGHT ON THEM AS WELL OR BEING DECEITFUL AND MISLEADING AND BREAKING LAWS AND MORE BAD BUSINESS JUDGEMENTS AS WELL.\n\nSO WHEN YOU XXXX XXXX  HEADDQUARTERS IT COMES UP XXXX IN AND THAT I FOUND LIKE I SAID GOES ROUTED TO XXXX  AR,\n\nI HAVE A PICTURE OF THAT, WHEN YOU ENTER THE WEBSITE AND PICK A LOCATON AND CHOOSE INDIANA  WELLL XXXX  IN LOCATION DONT COME UP HAVE PICTURE AS WELL.\n\n\nLIKE I SAID I DID A LOT OF DIGGING AROUND ON THESE PEOPLE I ACTUALLY HAVE HOME ADDRESSESS AND PHONE NMBERS HOME ONES AND CELLS AND SOCIAL MEDIA WEBSITES THEY CONNECTED TO AS WELL AND MUCH  MORE FAKE WEBSITES, NUMBERS GENERATED TO FULL CONSUMERS INTO BELIVING THEY CALLING CUSTOMER SERVICE BUT NOT THEY JUST CALLING THE STORE THEY HAVING A PROBLEM WITH AND GET TRANSFERRED AROUND FOUND ALSO THAT IF YOU GO TO \n\nXXXX---DIRECT WEBSITE AND MAKE A PAYMENT AND THEY DONT TELL YOU THIS AND I DONT TRUST IT AT ALL SO I DIDNT MAKE A PAYMENT IT TAKES YOU TO A THIRD PARTY WEBSITE NOT EVEN CALLED XXXX OR ANYTHING TO DO WITH XXXX WEBSITES.\n\nALSO FOUND OUT THAT XXXX XXXX IS NOT REGISTERED WITH THE FEDERAL BANK RESERVERS I CHECKED NOT ON THERE NOR IS BYRIDER OR XXXX OR SOME OF THE OTHER NAMES I TRIED TO ENTER AS WELL\n\nI WILL SUBMIT THAT ALL AS WELL. THEY ARE APPARENTLY REGISTERED AND IN.GOV WITH 4 DIFFERENT NUMBERS AS WELL AND DIFFERENT ADDRESSES AND NAMES AND CONTACTS WHICH I DID TRY TO REACH OUT TO AND NOTHING I WILL ATTACH ALL THAT AS WELL.  \n\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX----XXXX XXXX, XXXX XXXX (State or Other Jurisdiction of Incorporation or Organization)   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX (Address of Principal Executive Offices, Including Zip Code) (XXXX) XXXX (Registrants Telephone Number, Including Area Code)    XXXX XXXX \n\n\nTHIS RIGHT HERE HIS JUST ONE OF THE REGISTRATION NUMBERS THEY HAVE NOT TO THE ADDRESS THAT THEY SAY IS CORP OFFICE HEADQUARTES DONT EVEN MATCH UP\n\nXXXX XXXX XXXX XXXX XXXX. is an entity registered at Indiana with company number XXXX. Company is incorporated onXX/XX/XXXX. Current status of the company is Merged. The company's agentis XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, XXXX - XXXX, USA The company's secretaryis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA The company's presidentis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA\nCompany information\n\nFrom  \n\n\nXXXX XXXX XXXX XXXX XXXX IS THE SERVING AGENT WHOM I WOULD LIKE SERVED AND EVERYONE ELSE SERVED AS WELL THEY ALL LIE \n\nAgent\nName\tXXXX XXXX XXXX\nAddress\tXXXX XXXX XXXX., XXXX, IN, XXXX - XXXX, USA\nSecretary\nName\tXXXX XXXX XXXX\nAddress\tXXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA\nP\n\nFrom  \n\n\nTHIS IS FROM PAGE 9 TABLE OF CONTENTS REVIEW \n\nThe Company utilizes its Loss Prevention and Recovery Department (the LPR) to perform on-site audits of branch compliance with \nCompany underwriting guidelines. XXXX audits Company branches on a schedule that is variable depending on the size of the branch, length of \ntime a branch has been open, current tenure of the Branch Manager, previous branch audit score and current and historical branch profitability. \nXXXX reports directly to the Accounting and Administrative Management of the Company. The Company believes that an independent review \nand audit of its branches that is not tied to the sales function of the Company is imperative in order to assure the information obtained is \nimpartial.  \n\nTHIS IS FROM PAGE 9 AS WELL CALLED MONITORING AND ENFORCEMENT OF CONTRACTS\n\nThe Companys Management Information Services personnel maintain a number of reports to monitor compliance by customers with their \nobligations under Contracts and direct loans made by the Company. These reports may be accessed on a real-time basis throughout the \nCompany by management personnel, including Branch Managers and staff, at computer terminals located in the main office and each branch \noffice. These reports include delinquency aging reports, customer promises reports, vehicle information reports, purchase reports, dealer \nanalysis reports, static pool reports, and repossession reports.  \nA delinquency report is an aging report that provides basic information regarding each account and indicates accounts that are past due. The \nreport includes information such as the account number, address of the customer, home and work phone numbers of the customer, original term \nof the Contract, number of remaining payments, outstanding balance, due dates, date of last payment, number of days past due, scheduled \npayment amount, amount of last payment, total past due, and special payment arrangements or agreements.  \nAny account that is less than 120 days old is included on the delinquency report on the first day that the Contract is contractually past due. \nOnce an account becomes 30 days past due, repossession proceedings are implemented unless the customer provides the Company with an \nacceptable explanation for the delinquency and displays a willingness and the ability to make the payment, and commits to a plan to return the \naccount to current status. When an account is 60 days past due, the Company ceases recognition of income on the Contract and repossession \nproceedings are initiated. At 120 days delinquent, if the vehicle has not yet been repossessed, the account is written off. Once a vehicle has \nbeen repossessed, the related loan balance no longer appears on the delinquency report. Instead, the vehicle appears on the Companys \nrepossession report and is sold, either at auction or to an automobile dealer.  \n\nWhen an account becomes delinquent, the Company immediately contacts the customer to determine the reason for the delinquency and to \ndetermine if appropriate arrangements for payment can be made. If payment arrangements acceptable to the Company can be made, the \ninformation is entered in its database and is used to generate a Promises Report, which is utilized by the Companys collection staff for \naccount follow up.  \n\nThe Company prepares a repossession report that provides information regarding repossessed vehicles and aids the Company in disposing of \nrepossessed vehicles. In addition to information regarding the customer, this report provides information regarding the date of repossession, \ndate the vehicle was sold, number of days it was held in inventory prior to sale, year, make and model of the vehicle, mileage, payoff amount \non the Contract, XXXX book value, XXXX XXXX value, suggested sale price, location of the vehicle, original dealer and condition of the \nvehicle, as well as notes other information that may be helpful to the Company.  \nThe Company also prepares a dealer analysis report that provides information regarding each dealer from which it purchases Contracts. This \nreport allows the Company to analyze the volume of business done with each dealer and the terms on which it has purchased Contracts from \nsuch dealer.  \n\nThe Companys policy is to aggressively pursue legal remedies to collect deficiencies from customers. Oral requests for payment are made \nbeginning when an account becomes 11 days delinquent. When an account becomes 30 days delinquent and the customer has not made \npayment arrangements acceptable to the Company or has failed to respond to the requests for payment, a repossession request form is prepared \nby the responsible branch office employee for approval by the Branch Manager for the vicinity in which the borrower lives. Once the \nrepossession request has been approved, first by the Branch Manager and second by the applicable District  \n   \n\n\nTHIS STATES HOW ANYONE IN THE COMPANY CAN ACCESS ALL INFORMATION ALTER INFORMATION BASICALLY DO WHATEVER THEY WANT, NOT PRIVACY \n\nComputerized Information System  \nThe Company utilizes integrated computer systems developed by XXXX to assist in responding to customer inquiries and to monitor the \nperformance of its Contract and direct loan portfolio and the performance of individual customers under Contracts. All Company personnel are \nprovided with real-time access to information from a single shared database. The Company has created specialized programs to automate the \ntracking of Contracts and direct loans from inception. The Companys computer network encompasses both its corporate headquarters and its \nbranch office locations. See Monitoring and Enforcement of Contracts above for a summary of the different reports prepared by the \n\n\n\n\nTHIS THEY VIOLADATED AS WELL  FALSE IMPLICATIONS  PAGE 11\n\n Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts \nprohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices \nand from making false implications when attempting to collect a debt.  \n  \n\nNO PRIVACY WITH INTERGRATED DATABASE BUT IT SAYS THEY HAVE TO KEEP OUR STUFF PRIVATE THEY DONT PAGE 11 AS WELL\n\n Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts \nprohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices \nand from making false implications when attempting to collect a debt.  \n  \n\nSTATES THEY MAY NOT INTERFER  PAGE 12\n\nBankruptcy. Federal bankruptcy and related state laws may interfere with or affect the Companys ability to recover collateral or \nenforce a deficiency judgment.  \n\n\nNEXT IS ABOUT HOW EMPLOYESS ARE TO HANDLE THINGS AND WHO HANDLES THEM AND THE PROCDURES AND THE DO AND DONTS  ASLO PAGE 12, 13, 14, 15 ,16.17:::IPAGE 14 STATES THAT AS SOON AS THEY REPOSSES A VEHICLE ITS TOOK TO AUTION RIGHT AWAY\n\n\nThe auction proceeds we receive from the sale of repossessed vehicles and other recoveries are subject to fluctuation due to economic \nand other factors beyond our control.  \nIf we repossess a vehicle securing a Contract, we typically have it transported to an automobile auction for sale. Auction proceeds from the sale \nof repossessed vehicles and other recoveries are usually not sufficient to cover the outstanding balance of the Contract, and the resulting \ndeficiency is charged off. In addition, there is, on average, approximately a 30-day lapse between the time we repossess a vehicle and the time \nit is sold by a dealer or at auction. The proceeds we receive from such sales depend upon various factors, including the supply of, and demand \nfor, used vehicles at the time of sale. Such supply and demand are dependent on many  \n   \nHERE IT STATES WRONGFUL REPOSSETIONS, BANRUPTCY VIOLATOINS AND MORE\n\nWe are subject to risks associated with litigation.  \nAs a consumer finance company, we are subject to various consumer claims and litigation seeking damages and statutory penalties, based \nupon, among other things:  \n   \n   \n   \n   \n   \n   \n   \n   \n   \n12  \n   \n  usury laws;  \n   \n  disclosure inaccuracies;  \n   \n  wrongful repossession;  \n   \n  violations of bankruptcy stay provisions;  \n   \n  certificate of title disputes;  \n   \n  fraud;  \n   \n  breach of contract; and  \n   \n  discriminatory treatment of credit applicants.  \n\n\nSome litigation against us could take the form of class action complaints by consumers. As the assignee of Contracts originated by dealers, we \nmay also be named as a co-defendant in lawsuits filed by consumers principally against dealers. The damages and penalties claimed by \nconsumers in these types of actions can be substantial. The relief requested by the plaintiffs varies but may include requests for compensatory, \nstatutory and punitive damages. We also are periodically subject to other kinds of litigation typically experienced by businesses such as ours, \nincluding employment disputes and breach of contract claims. No assurances can be given that we will not experience material financial losses \nin the future as a result of litigation or other legal proceedings.  \n\nPAGES 17-21 SAYS THE HAVE TO PRACTICE PROPER COLLECTION POLICES WHICH THEY DID NOT::\n  licensing requirements;  \n  requirements for maintenance of proper records;  \n  payment of required fees to certain states;  \n  maximum interest rates that may be charged on loans to finance new and used vehicles;  \n  debt collection practices;  \n  proper disclosure to customers regarding financing terms;  \n  privacy regarding certain customer data;  \n  interest rates on loans to customers;  \n  telephone solicitation of direct loan customers; and  \n  collection of debts from loan customers who have filed bankruptcy.  \n\n\nAGAIN ON PAGE 18  INTERGRATED DATABASE\n\nWe may experience problems with our integrated computer systems or be unable to keep pace with developments in technology.  \nWe use various technologies in our business, including telecommunication, data processing, and integrated computer systems. Technology \nchanges rapidly. Our ability to compete successfully with other financing companies may depend on our ability to efficiently and cost-\neffectively implement technological changes. Moreover, to keep pace with our competitors, we may be required to invest in technological \nchanges that do not necessarily improve our profitability.  \nWe utilize integrated computer systems to respond to customer inquiries and to monitor the performance of our Contract and direct loan \nportfolios and the performance of individual customers under our Contracts and direct loans. Problems with our systems operations could \nadversely impact our ability to monitor our portfolios or collect amounts due under our Contracts and direct loans, which could have a material \nadverse effect on our financial condition and results of operations. \n\n\nOKAY THIS ON PAGE 97 OF THEIR POLICY HANDBOOK CALLED GOVERNING LAW.\n\n16. GOVERNING LAW.  \n(a) The validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State \nof Florida, except that Section 16(b) shall be construed in accordance with the Federal Arbitration Act if arbitration is chosen by the Employee \nas the method of dispute resolution.  \n(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the \nrules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which \nboth parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the \nvenue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected \nvenue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in \nthe manner provided hereunder for the giving of notices.  \n\n\n  \n(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the \nrules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which \nboth parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the \nvenue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected \nvenue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in \nthe manner provided hereunder for the giving of notices.\n\nTHESE NEXT FEW PAGES 115 10 125 ARE THE AUTOMOBILE DEALER RETAIL AGREEMENT PLANS:::\n\nThe undersigned Dealer proposes to sell to the undersigned XXXX XXXX XXXX. (XXXX), from time to time, Promissory Notes, Security \nAgreements, Retail Installment contracts, Conditional Sales Contracts, or other instruments hereinafter referred to as Contracts, evidencing \ninstallment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such Contracts. It is understood \nthat XXXX shall have the sole discretion to determine which Contracts it will purchase from Dealer.  \n   \nIndemnity : As a separate and cumulative obligation, Dealer shall defend and hold XXXX harmless from any and all claims, defenses, \noffsets, damages, suits, administrative or other proceedings, cost (including reasonable attorneys fees), expenses, losses, and liabilities. \n(Collectively Claims) arising out of connected with or relating to the Contract or the goods or services sold there under. Timing of \nindemnification is within 7 days of demand by XXXX. \n\nXXXX XXXX XXXX. (hereinafter referred to as XXXX XXXX XXXX. or the Company) requires ethical conduct in the practice of \nfinancial management in all aspects of business activities.  \nThe XXXX XXXX XXXX. Code of Ethical Conduct for Financial Managers applies to all senior officers serving in a financial role. The Chief \nExecutive Officer, Chief Financial Officer and Controller, as well as certain other senior financial officers, hold an elevated role in corporate \ngovernance and are expected to act in accordance with the highest standards of personal and professional integrity, to comply with all \napplicable laws, rules, and regulations, to preserve and protect shareholders interests, and to abide by the XXXX XXXX XXXX. Code of \nBusiness Conduct and Ethics and other policies and procedures adopted by XXXX XXXX XXXX. that govern the conduct of its employees. \nThis Code of Ethical Conduct is intended to supplement the XXXX XXXX XXXX. Code of Business Conduct and Ethics.  \nAs the Chief Executive Officer, Chief Financial Officer, Controller, or other senior financial officer, I certify to you that I adhere to and \nadvocate the following principles governing my professional and ethical conduct in the fulfillment of my responsibilities. I agree to:  \n   \n  a. Comply with the Companys internal policies and procedures; \nb. Act at all times in accordance with the Companys Code of Business Conduct and Ethics which has been provided to me and with \nwhich I will comply; \nc. Engage in and promote honesty, integrity and ethical conduct, including the ethical handling of actual or apparent conflicts of \ninterest between personal and professional relationships; \nd. Provide accurate, complete, objective, timely and understandable financial disclosures in regards to internal reports as well as \nd\ndocuments filed or submitted to the Securities and Exchange Commission, any governmental, private or public regulatory agency, \nor used in public communications; \ne. Comply with applicable federal, state, provincial, and/or local governmental laws, rules and regulations, as well as appropriate \nprivate and public regulatory agencies; \nf. Respect the confidentiality of information acquired in the course of performing my work responsibilities except when authorized or \notherwise legally obligated to disclose such information; \ng. Act in good faith, responsibly, with due care, competence and diligence, without misrepresenting or omitting material facts or \nallowing my independent judgment to be compromised; \n  h. Avoid using confidential information acquired in the course of performing my job responsibilities for personal advantage; \n\n\nTHEY HAVE FIVE PAGES OF DEALERSHIPS THEY GET THERE CARS FROM PAGES ON PAGES ON HOW THEY KEEP FROM PAYING TAXES AND GET EXTRA MONEY THEY ARE CROOKS AND THEY ARE ALL THROUGH ONE MAIN GUY XXXX XXXX XXXX.  \n\nXXXX IS NOT EVEN A REAL BANK THEY GET THEIR MONEY FROM OTHER PLACES\nTHEY STOLE FROM US\n\n\nTHE MAIN STORES COMPANYS WE HAVING ISSUES WITH WILL BE LISTED FIRST ALL THE REST ARE POSSIBLE PLACES WHERE SUPPOSEDLY THEY ARE WHICH ONLINE AND ON SOME OF THEIR WEBSITES THEY ARE LISTED ON ONE OF THE TWO ADDRESSES LISTED FIRST.    ALSO NAMES OF SOME OF THE ASSOCIATES THAT WERE THE MAIN ISSUE ARE LOCATED AT THE XXXX AR LOCATION,  THE ONES TO INDIANA ARE NOT EVEN AT THAT LOCATION I FOUND OUT\n\nXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX AR XXXX\nXXXX\n\nTHE FOLLOWING PEOPLE WHO DID THIS AND HAVE NOT CONTACTED US LIED TO US AND REFUSED TO TALK TO US AND TOLD US","date_sent_to_company":"2017-09-21T19:11:20.000Z","issue":"Struggling to pay your loan","sub_product":"Lease","zip_code":"65616","tags":"Servicemember","has_narrative":true,"complaint_id":"2680977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2017-09-21T16:54:45.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["In addition to information regarding the customer, this report provides information regarding the date of repossession, \ndate the <em>vehicle</em> was sold, number of days it was held in inventory prior to sale, year, <em>make</em> and <em>model</em> of the <em>vehicle</em>, mileage, payoff amount \non the Contract, XXXX book value, XXXX XXXX value, suggested sale price, location of the <em>vehicle</em>, original dealer and condition of the \n<em>vehicle</em>, as well as notes other information that may be helpful to the Company."],"product":["<em>Vehicle</em> loan or lease"],"sub_issue":["Lender trying to repossess or disable the <em>vehicle</em>"]},"sort":[6.8424616,"2680977"]},{"_index":"complaint-public-v1","_id":"6967958","_score":6.4953756,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Infiniti Financial Services XXXX XXXX XXXX XXXX, TN XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX Make of car : XXXX Model : XXXX VIN # XXXX To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately. \nList of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ). \n\nI have recently come across inform from the Federal Trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( 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 a 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\n( Auto dealership name ) did not disclose this information to me which is required by federal law.\n\n( Auto dealership name ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.\n\n( Auto dealership name ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.\n\nYou are in violation of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.\n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\n\n\nBest Regards XXXX XXXX XXXX  XXXX NOTICE AND DEMAND TO VALIDATE DEBT CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Infiniti Financial Services XXXX XXXX Way XXXX XXXX TN XXXX REF : Your correspondence purporting to allege a debt claimed by : Infiniti Financial Services XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Alleged Account # XXXX Alleged Balance {$450000.00} This is an offer to fully pay/discharge the attached claim of debt on the condition that the claiming parties comply with this notice within 30 days of receipt of this correspondence. \n\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Administrative Declaratory Judgment, by Notarial Protest- and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.\n\nThis notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. \nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of the purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is me ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit show the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. \n\nThe actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of debt. \n\nThe actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.\n\nBe advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. The affidavit of the truth of the matter stated and the object of verification is to assure good faith in the averments or statements of party. \n\nThe actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States XXXX, Title 15 1601 et. seq. and Regulation Z. \n\nThe actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of debt and resulting in this alleged claim of debt.\n\nThe person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.\n\n15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\n\nPursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\n\nThis is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\n\nFurther, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or another governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt. \n\nPlease take notice that this is a criminal investigation of the business practices of the above-named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal XXXX XXXX and XXXX XXXX ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.\n\nTAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above-referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : Debt Collector waives any and all claims against Respondent and Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.\n\nFailure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. \n\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260. \n\nDone this _____Day of ______________ 2023 I declare under penalties of perjury in accordance with the laws of the United States of America ( without the United States ) Title 28 U.S.C. 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, so help me.\n\n______________________________","date_sent_to_company":"2023-05-12T13:21:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"6967958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2023-05-12T13:16:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. This <em>vehicle</em> was purchased at ( dealership name ) Date ( the date it was purchased )."]},"sort":[6.4953756,"6967958"]},{"_index":"complaint-public-v1","_id":"9924592","_score":5.388871,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I met a person named XXXX XXXX XXXX, who appeared to be a very hardworking person and had a company called XXXX XXXX. She conducted import transactions of fruits and products from XXXX XXXX. \n\nThis person started to build a friendship with me. She is from XXXX and began to be my friend. Over time, I learned that XXXX XXXX no longer belonged to her because her partner had allegedly decided to remove her. However, it seems that this person also stole her capital and used her identity to make transactions, as XXXX does not have documents in this country. \n\nXXXX lived in New Jersey, and aside from wanting to realize her idea as an entrepreneur, she worked as a supply XXXX for a construction company in New Jersey. Initially, she talked to me about various businesses, and I avoided all of them. However, there was an occasion where she convinced me to join her new project called XXXX XXXX, a company that needed a good investment of money to start operations with supposedly good returns and profits for the investor. XXXX was a person who mysteriously moved houses many times, and for some reason, the last time she was evicted from her home in XXXX XXXX fine apartment located in a luxurious area of XXXX, NJ. \n\nThe first time she started asking me for certain investments was in XXXX, which is where my tragedy beganinvestments of {$5000.00}, then {$10000.00}, and so on. I only knew about the operation superficially, and nothing concrete was ever shown to me because this business has the disadvantage of being difficult to control and not 100 % visible. Subsequently, these investments increased, and the most incredible part was that she began to give me supposed profits by depositing them into my account, but very cleverly, she would take them back by asking for more investment. using my chase bank account. \n\nThese investments were related to fruits and other products, but to be exact, I never saw invoices or anything concrete, just communications with a supposed broker ( who I assume is part of the scam ) who handles selling the product and managing the payment collection from the client. The broker would take their commission and deliver the money to the people or investors. \n\nMy initial investment reached a point where it bled me financially to the extent of bankrupting my company due to the lack of working capital, and I barely survived. I began a lawsuit thanks to the contracts and agreements that were electronically signed by XXXX, which were clear and well-drafted ( this lawsuit is currently in court ). \n\nThe total of the first investment, after calculating interest and supposed profits, was approximately {$220000.00}. This money was the fruit of my labor when I had my construction business. After some time, I learned there was a way to recover this money, or at least part of it, because there had been a loss, and the merchandise was damaged during the trip when it arrived in XXXX on XX/XX/XXXX. \n\nAnd then, coincidentally, XXXX had an accidenta car hit her. And supposedly, there was no one to inspect or take care of the cargo because the airline did not apply the required refrigeration for that shipment of pitahaya or dragon fruit. XXXX spent a long time recovering from the accident and operations, unfortunately, as I considered her my friend. \n\nI had never had any problems with banks, and fortunately, these were my savings and a large part of my working capital. So, during that time, I remained in contact with XXXX because her business model was profitable, but she liked to deceive people. I didnt realize this until later. Now, the second investment was practically forced on me ; otherwise, she would not give me the documents to collect that insurance and recover my money or at least part of it. \n\nAfter spending XXXX years in this situation trying to recover my money, I also suffered a fatal car accident on XX/XX/XXXX, where a driver crashed into my parked vehicle while I was waiting for the light to change from red to green. This accident destroyed my vehicle and left both me and my girlfriend injured. It literally paralyzed my life, and I desperately sought solutions because I could only survive with what little I made since I was not allowed to work due to the accident. \n\nIn XX/XX/XXXX, XXXX contacted me, telling me she had found part of the documents to collect the insurance, and she mentioned a very good business involving granadilla and basil, along with other plants. I took the precaution of having her sign another document, and this is where my tragedy began because I had a loan from XXXX XXXX. Since I was organized with my credit and tax obligations, she then told me about these businesses, saying there was already a client, etc., etc. \n\nShe said we needed to pay the supplier, a certain XXXX XXXX XXXX from XXXX who belonged to a company called XXXX XXXX S.A.S. and XXXX XXXX. Curiously, my loan had matured, and there was no more money. XXXX began to pressure me psychologically, saying that the payment had to be made as soon as possible. She would call me up to XXXX times a day or more. At that time, she was still in New Jersey. \n\nThe pressure and desperation were so intense that I finally gave in and managed to get approximately {$25000.00}. She told me to charge the card for a payment in my company, and in this way, I would access cash immediately because, according to her, she had no credit and did not want to miss this opportunity with XXXX XXXX and other clients who urgently needed the product. XXXX had a strange appointment in XXXX and came to New Jersey because she was supposedly living in Ohio, helping some friends with some businesses, from where she also mysteriously fled. \n\nI met with her because I picked her up at the airport, and she explained her new business to me. She said, \" Remember, we are going to recover the previous losses with this business. The client needs many weekly orders, and this will help us recover. '' Obviously, this was where the scam started.\n\nI managed to process the payment ; the money from my business credit card was deposited in two transactionsone for {$15000.00} and another for {$7600.00}, along with some smaller payments for FDA licenses, overdrafts, and transaction fees between banks. I have proof of all this. XXXX agreed and told me that to show that this was a transparent negotiation, I would have control over the bank account of her business, XXXX XXXX. \n\nThe surprise came when I saw the accounts had many pending charges, which I ended up assuming as the investor in this scam project. Besides that, she would send me countless XXXX conversations, supposedly with cargo managers, suppliers, brokers, and clients, along with many XXXX sheets with supposedly financial information. It was quite convincing, and she was now living in XXXX, Illinois, where she supposedly still resides. One detail to remember is that one of her past partners, a young man named XXXX, of Turkish origin, who was supposedly her star salesman and in charge of the company 's image and marketing, had control of the website and lived with her. After some time, I learned they had a terrible falling out, which led me to believe she also robbed him. \n\nThis man closed the website and limited his contacts completely, seriously affecting XXXX 's image in the market. I don't know how many people XXXX has robbed or scammed, but I do know she has moved to several countries and mysteriously disappeared from them. Without any reason, she pretends to be a supply chain XXXX and an expert in imports and exports. Heres the surprise : after forcing me to pay the amounts for the XXXX, which could never enter the country because it did not meet FDA or Global GAP requirements to be brought from XXXX to the XXXX. \n\nIt was almost {$15000.00} for the payment of that cargo, where I sent the money I could obtain from the credit card. I never received purchase orders, invoices, or anything to guarantee that I had paid for this product. I received some pro forma invoices with stamps and logos from a company called XXXX XXXX XXXX, XXXX. XXXX, and another for a payment of almost {$9000.00} that I made to XXXX XXXX. XXXX said that one company would be the supplier and the other the handler or the one who would pack and ship the cargo to the carrier. Everything perfectly fit the scam.\n\nI had already paid more than {$25000.00}, which wasnt even mine, and now I find myself paying off that debt. I learned that in the hotel where she was staying, they were going to evict her because the house she was supposed to rent as an office was not given to her. Another sign that XXXX is a shameless person who takes advantage of peoples goodwill. \n\nThe granadilla could not reach the XXXX, and once the supplier from XXXX, XXXX XXXX, told me that it needed to be moved as soon as possible because it was going bad. Thats when I started discovering more nonsensical things : neither XXXX had the super experience nor the logic in this business, and she didnt even investigate how products could be accessed in a country as demanding as the XXXX XXXX \n\nStrangely, the last conversation I had with the supplier was aggressive because I confronted both of them to see who was telling the truth. Of course, XXXX was caught in all the lies, but I had already paid, and there were no more options. There was one last card to playthe basilbecause it was accepted everywhere. But another situation arose : the basil hadnt passed the quality tests required by the United States, so it couldnt be shipped. This issue dragged on until this date, and the cargo handlers didnt have space, etc.\n\nNow the question is : if it were a big client, would they wait almost XXXX months to receive their product? Of course not. This money was also lost. There was no refund, no supplier, no client. this money was paid with my credit card from chase bank, and some money from my personal account i have never received any product i had purchased. \n\n\n\nI tried to outsmart her and found a company that handles international collections, including various types of insurance claims. This company claimed it could pursue the international collection of this debt against XXXX XXXX. However, my problems only worsened, as I was now entangled in an uncollectible matter, making me responsible for another obligation and introducing a new level of stress. The company had this case for almost XXXX months and resolved nothing. If the case was withdrawn, they would charge a high cancellation fee. Something tells me XXXX knew this person and that they were part of the scam. \n\n\n\nXXXX is someone whose appearance is perfect for manipulating and scamming others. Collecting this money was not easy, and the situation worsened as I still hadnt received any money, yet the credit card bills and the deterioration of my finances continued. This situation has been extremely painful, leaving me mentally destroyed and desperate, but I tried to stay calm and think of another strategy. \n\n\n\nI met some clients from XXXX, a serious and well-structured company called XXXX XXXX XXXX which coincidentally needed granadilla for export to XXXX and XXXX. XXXX contacted her suppliers in XXXX, claiming they had the required certifications for export to XXXX. However, another scam was brewing, as XXXX complicit supplier lacked the certifications for granadilla and only had them for other products. XXXX intended to make them pay a 70 % advance for the goods, which were to be shipped under the CIF incoterm. \n\n\n\nThe scam almost went through until the clients partners met and discovered that the certification process would take XXXX months, which would be a huge problem. The shipment was approximately XXXX pallets, worth about USD XXXX, the same amount she scammed me out of. XXXX has since remained out of contact, not answering phone calls or responding to any communications, even after promising to start making payments this month. She feels untouchable and seems to think that U.S. laws are a joke, as she didnt even bother to attend the court hearing for the lawsuit for the more than USD XXXX she owes me. \n\n\n\nWhen I think about how many people she has scammed, I estimate it could be around XXXX individuals. Additionally, I filed a complaint against her with the New Jersey police. \n\n\n\nI can provide any proof you need. I know she is making moves, and there is a way to recover my money and bring her to justice, preventing her from causing further harm to society. I sincerely ask for your help ; I dont have the means to pay for an investigator or a lawyer. Just the support of this entity would be a great help in catching these manipulators, fraudsters, and scammers. \n\n\n\nLucky the company XXXX XXXX took enough security measures and avoid a new scam starred by XXXX and her company XXXX XXXX. and right now I am struggling financially and besides of that I dont have any source of income due to this huge mistake and scam.","date_sent_to_company":"2024-08-25T00:42:07.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"07093","tags":null,"has_narrative":true,"complaint_id":"9924592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-25T00:28:14.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Lucky the company XXXX XXXX took enough <em>security</em> measures and avoid a new scam starred by XXXX and her company XXXX XXXX. and right now I am struggling financially and besides of that I dont have any source of income due to this huge mistake and scam."]},"sort":[5.388871,"9924592"]},{"_index":"complaint-public-v1","_id":"6453989","_score":5.0236545,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Date it occurred on XX/XX/XXXX CAPITAL ONE AUTO FINAN XXXX XXXX XXXX, TX XXXX I RESERVE MY RIGHTS UNDER UCC 1-308 ; THEESE COMPANIES ARE IN VIOLATION OF MY CONSUMER RIGHTS UNDER US CODE 1605 AND US CODE 1638. XXXX XXXX XXXX INC.VIOLATED MY RIGHTS AS A CONSUMER BY STACKING FEES AND INSURANCE PREMIUMS INTO MY AMOUNT FINANCED, ORIGINAL PRICE XXXX TOTAL SALE PRICE CAME OUT TO XXXX WITH ILLEGAL DOWN PAYMENT OF XXXX PLUS ANOTHER XXXX AT SIGNING WITCH \" SIGNATURE '' I REVOLK UNDER UCC 1-308. CAPITAL ONE AUTO FINAN ALREADY PRE APPROVED, MY PERSON FOR XXXX. THE AMOUNT FINANCED FOR THIS ERRONEOUS LOAN IS WRONG, WHICH MEANS MY FINANCE CHARGE IS WRONG, THAT BEING SAID MY PAYMENTS ARE WRONG AND TO HIGH. I ALSO HAD A XXXX PLUS CREDIT SCORE THAT WAS AFFECTED AND NOT TAKEN INTO CONSIDERATION. THEY GAVE ME TWO RETAIL PURCHASE AGREEMENTS WITH DIFFERENT FIGURES AND SUMS, I FEEL SO VIOLATED, ALSO UNDER US CODE 1662 ( 2 ) NO DOWN PAYMENT WAS NEEDED TO EXTEND MY PERSON CREDIT YOUR EMPLOYEE XXXX XXXX TOLD ME THAT MY CAR WAS NEW ON THE RETAIL PURCHASE AGREEMENT, BUT ON THE ERRONEOUS GAP WAIVER THAT SHOULD NOT HAVE BEEN INCLUDED IN FINANCE CHARGE SAID THE VEHICLE WAS USED. WITH THE MILEAGE BEING ( XXXX ) AND ACCURATE, ON ONE AGREEMENT ON THE OTHER IT SAYS ITS NOT ACCURATE. ALSO, MY PREMIUM SHOULD BE INCLUDED IN THE FINANCE CHARGE. I SHOULD NOT BE PAYING OUT OF POCKET TO 3RD PARTIES. I ALSO UNDER UCC 3-104 I NEVER GOT A FINANCIAL INSTRUMENT FROM FINANCIAL INSTITUTION ( CAPITAL ONE AUTO FINAN ) TO FUND THIS TRANSACTION ; IF SO I WOULD LIKE TO RECEIVE ACCOUNT LEDGER FROM CAPITAL ONE AUTO FINAN TO PROVE A TRANSACTION WAS MADE.I DID NOT RECEIVE A TRUTH IN LENDING OR RIGHT TO RECESSION DISCLOSURES UNDER USC 1640 THIS IS A BREACH IN CONTRACT, I WANT TO BE COMPENSATED FOR MY INJURY PAIN AND SUFFERING IN DAMAGES, I WAS UNFAIRLY TREATED DISCRIMINATED AGAINST AND UNDER USC 1611 I WILL HOLD EVERYONE ACCOUNTABLE WHO WILLFUL KNOWINGLY TRICKED ME INTO THIS CONTRACT. Please be advised you have a letter to CFPB, this is my First WRITTEN REQUEST and that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. THE FTC IS INVESTIGATING THIS MATTER ALSO YOU ARE NOW UNDER FEDERAL LAW. BELOW ARE MY DEMANDS I WILL EXPECT COMPENSATION WITH IN 15 DAYS OF THIS REPORT. \nI DEMAND MY TITLE AND FOR THIS LOAN TO BE PAYED OFF IN FULL ALSO ANY LATE PAYMENTS SHALL BE DELETED I DEMAND XXXX IN DAMAGES FOR MY RIGHTS BEING VIOLATED I DEMAND MY DOWN PAYMENT OF XXXX THAT SELLER TOOK FORM ME I DEMAND THE PAYMENTS BACK FROM THIS LOAN IN TOTAL OF XXXX X XXXX XXXX XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( a ) [ Definitions. ] In this section : ( 1 ) \" Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).\n\n( 2 ) \" Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.\n\n( 3 ) \" Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.\n\n( 4 ) \" Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request.\n\n( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction.\n\n( c ) [ Request regarding list of collateral ; statement concerning type of collateral. ] A secured party that claims a security interest in all of a particular type of collat\neral owned by the debtor may comply with a request regarding a list of collateral by sending to the debtor an authenticated record including a statement to that effect within 14 days after receipt.\n\n( d ) [ Request regarding list of collateral ; no interest claimed. ] A person that receives a request regarding a list of collateral, claims no interest in the collateral when it receives the request, and claimed an interest in the collateral at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the collateral; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the collateral.\n\n( e ) [ Request for accounting or regarding statement of account ; no interest in obligation claimed. ] A person that receives a request for an accounting or a request regarding a statement of account, claims no interest in the obligations when it receives the request, and claimed an interest in the obligations at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the obligations; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the obligations.\n\n( f ) [ Charges for responses. ] A debtor is entitled without charge to one response to a request under this section during any six-month period. The secured party may require payment of a charge not exceeding {$25.00} for each additional response.\n\n1-308. Performance or Acceptance Under Reservation of Rights.\n\n( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as \" without prejudice, '' \" under protest, '' or the like are sufficient.\n\n( b ) Subsection ( a ) does not apply to an accord and satisfaction.\n\n1-306. Waiver or Renunciation of Claim or Right After Breach.\n\nA claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an 18 U.S.C. 8 I owe no debt All debts are united states obligations 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\n( June 25, 1948, ch. 645, 62 Stat. 685. ) 17 CFR 240.3b-18 Definitions of terms used in Section 3 ( a ) ( 5 ) of the Act.\n\nFor the purposes of section 3 ( a ) ( 5 ) ( C ) of the Act ( 15 U.S.C. 78c ( a ) ( 5 ) ( C ) : ( a ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.\n\n( b ) The term consumer-related receivable means any obligation incurred by any natural person to pay money arising out of a transaction in which the money, property, insurance, or services ( being purchased ) are primarily for personal, family, or household purposes.\n\n( c ) The term member as it relates to the term syndicate of banks means a bank that is a participant in a syndicate of banks and together with its affiliates, other than its broker or dealer affiliates, originates no less than 10 % of the value of the obligations in a pool of obligations used to back the securities issued through a grantor trust or other separate entity.\n\n( d ) The term obligation means any note, draft, acceptance, loan, lease, receivable, or other evidence of indebtedness that is not a security issued by a person other than the bank.\n\n( e ) The term originated means : 17 CFR 240.3b-18 Definitions of terms used in Section 3 ( a ) ( 5 ) of the Act.\n\n( 1 ) Funding an obligation at the time that the obligation is created ; or ( 2 ) Initially approving and underwriting the obligation, or initially agreeing to purchase the obligation, provided that : ( i ) The obligation conforms to the underwriting standards or is evidenced by the loan documents of the bank or its affiliates, other than its broker or dealer affiliates; and ( ii ) The bank or its affiliates, other than its broker or dealer affiliates, fund the obligation in a timely manner, not to exceed six months after the obligation is created.\n\n( f ) The term pool means more than one obligation or type of obligation grouped together to provide collateral for a securities offering.\n\n( g ) The term predominantly originated means that no less than 85 % of the value of the obligations in any pool were originated by : ( 1 ) The bank or its affiliates, other than its broker or dealer affiliates; or ( 2 ) Banks that are members of a syndicate of banks and affiliates of such banks, other than their broker or dealer affiliates, if the obligations or pool of obligations consist of mortgage obligations or consumer-related receivables.\n\n( 3 ) For this purpose, the bank and its affiliates include any financial institution with which the bank or its affiliates have merged but does not include the purchase of a pool of obligations or the purchase of a line of business.\n\n( h ) The term syndicate of banks means a group of banks that acts jointly, on a temporary basis, to issue through a grantor trust or other separate entity, securities backed by obligations originated by each of the individual banks or their affiliates, other than their broker or dealer affiliates.\n\n[ 68 FR 8700, Feb. 24, 2003 ] 1026.23 Right of rescission.\n\n( a ) Consumer 's right to rescind.\n\n( 1 ) In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph ( f ) of this section. For purposes of this section, the addition to an existing obligation of a security interest in a consumer 's principal dwelling is a transaction. The right of rescission applies only to the addition of the security interest and not the existing obligation. The creditor shall deliver the notice required by paragraph ( b ) of this section but need not deliver new material disclosures. Delivery of the required notice shall begin the rescission period.\n\n( 2 ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.\n\n( 3 ) ( i ) The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.\n\n( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).\n\n( 4 ) When more than one consumer in a transaction has the right to rescind, the exercise of the right by one consumer shall be effective as to all consumers.\n\n( b ) ( 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.\n\n( ii ) The consumer 's right to rescind the transaction.\n\n( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business.\n\n( iv ) The effects of rescission, as described in paragraph ( d ) of this section.\n\n( v ) The date the rescission period expires.\n\n( 2 ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice.\n\n( c ) Delay of creditor 's performance. Unless a consumer waives the right of rescission under paragraph ( e ) of this section, no money shall be disbursed other than in escrow, no services shall be performed and no materials delivered until the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded. ( d ) Effects of rescission.\n\n( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.\n\n( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.\n\n( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tenders of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.\n\n( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order.\n\n( e ) Consumer 's waiver of right to rescind. The consumer may modify or waive the right to rescind if the consumer determines that the extension of credit is needed to meet a bona fide personal financial emergency. To modify or waive the right, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the right to rescind, and bears the signature of all the consumers entitled to rescind. Printed forms for this purpose are prohibited.\n\n( f ) Exempt transactions. The right to rescind does not apply to the following : ( 1 ) A residential mortgage transaction.\n\n( 2 ) A refinancing or consolidation by the same creditor of an extension of credit already secured by the consumer 's principal dwelling. The right of rescission shall apply, however, to the extent the new amount financed exceeds the unpaid principal balance, any earned unpaid finance charge on the existing debt, and amounts attributed solely to the costs of the refinancing or consolidation.\n\n( 3 ) A transaction in which a state agency is a creditor.\n\n( 4 ) An advance, other than an initial advance, in a series of advances or in a series of single-payment obligations that is treated as a single transaction under 1026.17 ( c ) ( 6 ), if the notice required by paragraph ( b ) of this section and all material disclosures have been given to the consumer.\n\n( 5 ) A renewal of optional insurance premiums that is not considered a refinancing under 1026.20 ( a ) ( 5 ).\n\n( g ) Tolerances for accuracy - ( 1 ) One-half of 1 percent tolerance. Except as provided in paragraphs ( g ) ( 2 ) and ( h ) ( 2 ) of this section : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than 1/2 of 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than 1/2 of 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( 2 ) One percent tolerance. In a refinancing of a residential mortgage transaction with a new creditor ( other than a transaction covered by 1026.32 ), if there is no new advance and no consolidation of existing loans : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( h ) Special rules for foreclosures - ( 1 ) Right to rescind. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if : ( i ) A mortgage broker fee that should have been included in the finance charge was not included ; or ( ii ) The creditor did not provide the properly completed appropriate model form in appendix H of this part, or a substantially similar notice of rescission.\n\n( 2 ) Tolerance for disclosures. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than {$35.00} ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than {$35.00} ; or ( B ) Is greater than the amount required to be disclosed.\n[ 76 FR 79772, Dec. 22, 2011, as amended at 78 FR 30745, May 23, 2013 ; 78 FR 60440, Oct. 1, 2013 ; 82 FR 37769, Aug. 11, 2017 ] 15 U.S. Code 1638 - Transactions other than under an open-end credit plan ( a ) Required disclosures by creditor For each consumer credit transaction other than under an open-end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure.\n\n( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less down payment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit.\n\n15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n28 U.S. Code 3002 - Definitions ( 1 ) Counsel for the United States means ( A ) a United States attorney, an assistant United States attorney designated to act on behalf of the United States attorney, or an attorney with the United States Department of Justice or with a Federal agency who has litigation authority ; and ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States.\n\n( 2 ) Court means any court created by the Congress of the United States, excluding the United States Tax Court. ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ; or ( B ) an amount that is owing to the United States on account of a fee, duty, lease, rent, service, sale of real or personal property, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by the United States, or other source of indebtedness to the United States, but that is not owing under the terms of a contract originally entered into by only persons other than the United States ; and includes any amount owing to the United States for the benefit of an Indian tribe or individual Indian, but excludes any amount to which the United States is entitled under section 3011 ( a ).\n\n31 U.S. Code 3123 - Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.\n\n( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.\n\n( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.\n\n( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.\n\n( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.\n\n( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 945. ) Definition : payment from 15 USC 78m ( q ) ( 1 ) ( C ) payment ( C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ; 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.\n\n( 2 ) Service or carrying charge.\n\n( 3 ) Loan fee, finders fee, or similar charge.\n\n( 4 ) Fee for an investigation or credit report.\n\n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.\n\n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.\n\n( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.\n\n( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.\n\n( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.\n\n( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.\n\n( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.\n\n( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.\n\n( 2 ) Fees for preparation of loan-related documents.\n\n( 3 ) Escrows for future payments of taxes and insurance.\n\n( 4 ) Fees for notarizing deeds and other documents.\n\n( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing. ( 6 ) Credit reports.\n\n( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter; and ( 2 ) s","date_sent_to_company":"2023-01-18T16:48:25.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"6453989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-18T15:47:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of this section, the creditor shall provide the appropriate <em>model</em> form in appendix H of this part or a substantially similar notice.\n\n( c ) Delay of creditor 's performance."],"product":["<em>Vehicle</em> loan or lease"]},"sort":[5.0236545,"6453989"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":22,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":22}]}},"product":{"doc_count":22,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":3},{"key":"Lease","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Title loan","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":22,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":7}]}},{"key":"Incorrect information on your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":4},{"key":"Information belongs to someone else","doc_count":2}]}},{"key":"Getting a loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Need information about your loan balance or loan terms","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lender trying to repossess or disable the vehicle","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":1}]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":22,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":21},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":22,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":17},{"key":"Closed with non-monetary relief","doc_count":5}]}},"submitted_via":{"doc_count":22,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":22}]}},"company":{"doc_count":22,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":4},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":2},{"key":"EQUIFAX, INC.","doc_count":2},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"WELLS FARGO & COMPANY","doc_count":2},{"key":"AA Recovery Solutions, Inc.","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":1},{"key":"Performant Financial Corporation","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1}]}},"state":{"doc_count":22,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NC","doc_count":6},{"key":"GA","doc_count":5},{"key":"FL","doc_count":4},{"key":"NJ","doc_count":2},{"key":"CA","doc_count":1},{"key":"CO","doc_count":1},{"key":"MA","doc_count":1},{"key":"MO","doc_count":1},{"key":"OH","doc_count":1}]}},"company_public_response":{"doc_count":22,"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":10},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":22,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":7}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}