| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I told the XXXX XXXX XXXX XXXX XXXX to reinvestigate account : 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 However, they stated everythi
ng was completed and accurate. But how is it that possible if the open date and the day alleged activity and how more is incorrect. According to 15 USC 168199 ( i ) 5 they were supposed to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 604 A states I have the right of privacy.
15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without any written instructions.
15 U.S.C 61C ( a ) ( 5 ) section also states A consumer reporting agency can not furnish a account without written instructions.
15 U.S.C 1681C ( A ) ( 5 ) Section states no reported agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes antedates the report by more than seven years.
15 U.SC. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cost to believe that the information is inaccurate.
Also they aren't even in compliance with Metro 2 credit reporting I have evidence to prove Delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1803 CAPITAL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXX 's XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help! CONSUMER LAWS START WITH 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT meaning did they get my permission to report on my consumer credit every violation is {$1000.00}. Florida law makes an exception : If your unpaid balance at the time of default is less than {$2000.00}, the lender can't go after you for a deficiency. ( XXXX XXXX. XXXX. XXXX ( XXXX ) ).
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| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
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I wanted to buy a house so the XXXX said I had to build my credit and I had a car that was paid for XXXX XXXX XXXX XXXX good condition and I used it to trade it in a complete auto sales in XXXX XXXX XXXX for a XXXX XXXX XXXX which turned out to be a lemon not only did they used paperwork from the previous day purchase of a XXXX XXXX XXXX XXXX day and took it back the next day and ended up with the XXXX but they use the same paperwork as XXXX XXXX as my signature and also done a hard inquiry about XXXX times going back to the XXXX XXXX unable to take the tires off because they didnt supply me with a jack or spare tire not only that I can not get the right rear tire off. XXXX take it to every major tag company and no one can get it off.and knowing that it would put me in grave danger if I was to get on the highway and have a blowout!! not only that they charge me a very high interest rate, I had it I had a XXXX XXXX of XXXX and the interest rate in a be in XXXX % & also added on additional charges and fees after I had signed using aggressive sales tactics so Im asking for not only compensation for the mental and physical toll this has taken on me but my automobile back my XXXX XXXX XXXX if not some similar {$12000.00} would be a reasonable compensation
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| 06/13/2022 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
Servicemember |
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On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX NC ( XXXX XXXX ) my complaint is everything that transpired 1 ) I was aware that my credit score was between XXXX and XXXX because I checked it before going to the car lot when the contract was being signed the dealer used rush tactics in order for me to sign it because I was there literally all day long so thats how he got me to just sign without going over the contract when I asked about the interest rate he quoted me at 14 % even though I thought it was a little bit too high I went on agreed to sign it but when I got a copy of the contract I didnt see the interest rate on it so I called the finance company ( 1803 Capital LLC ) a few months later just to see if I paid off the interest they said I was paying 20 % interest rate! I wouldve never signed a auto loan with 20 % interest rate because my credit didnt warrant that much.., now I cant even trade it nor refinance it and I need some type of legal help for myself hows a XXXX veteran
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| 09/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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THIS 1803 CAPITAL LLC AND XXXX XXXX IN CONCERT AND SYSTEMATICALLY HAVE COMMITTED EVERAL FRAUDS. I WAS GIVEN FALSE AND DECEPTIVE INFORMATION AS FOLLOWED : 1. I WAS ILLEGALLY OVER CHARGE BASE ON LOUISIANA LAW FOR THE YEAR OF VEHICLE AND THE AMOUNT FINANCE IN CONJUCTION WITH THE INTEREST I BELIEVE 22 % IS THE HIGHEST BUT THE CHARGED ME 24 %. WHICH MAKES THE CONTRACT VOID. 2. THEY FORCE ME TO MAKE A XXXX DOWNPAYMENT BECAUSE THEY STATED " MY CREDIT WAS NOT STRONG ENOUGH ''. WHICH IS ILLEGAL BECAUSE 15 USC 1605a STATES THAT A FINANCE CHARGE IS THE SUM OF ALL CHARGES. I WANT MY MONEY BACK FOR THE DOWNPAYMENT. NOR DID THEY GIVE ME EQUITY IN MY CONSUMER CREDIT. XXXX. I WAS NOT GIVEN A PROPER TRUTH IN LENDING STATEMENT NOR WAS I TOLD THAT I HAVE 3 DAYS TO RESCIND THE CONTRACT. THE PROCESS WAS NOT TRANSPARENT UNDER 15 USC 1602 ( i ) THIS IS A CONSUMER CREDIT TRANSACTION NOT A LOAN.
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| 05/28/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation.
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| 05/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
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| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Since 2014 i have been a victim of identity theft i have court records and have identified in XXXX XXXX, XXXX XXXX and XXXX XXXX that she has used my name and was prosecuted.
If car was repossessed and sold or auctioned off then it need to reflect that
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| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 09/24/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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