CarFinance Capital LLC, Irvine, CA Branch CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
07/09/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NC
  • 282XX
 Web Servicemember
This is a continuance of my previous complaint # XXXX against Car FInance Capital and XXXX XXXX XXXX who has failed to answer specific questions that I have been asking since XX/XX/XXXX . It is because of their refusal to disprove my allegations that I made a conscious decision to discontinue payments to them based upon my belief and now proof that both the dealer XXXX XXXX XXXX XXXX . the dealer and CarFinance have committed fraud, conversion of property and Identity theft.

Their response is grossly insufficient and does not answer specific questions. By their own admission they have acknowledged that these same questions have been asked previously and that they have refused to answer them.

In spite of the simplicity to answer my questions the Companies have avoided answering deliberately. I am therefore going to restate my questions and require that the companies answer with specificity providing the statute, code, or public policy in support of their answer.

My questions are as follows : Q : ( 1 ) What statute or law are you relying upon to determine that this transaction is anything other than a " Consumer Credit Transaction ''? Q : ( 2 ) 18 USC section 31 defines the term " Motor Vehicle '' what statute have you relied upon to determine that my " Automobile '' is being used for commercial use or for hire purposes on the highways of the State of North Carolina ''? Q : ( 3 ) 15 USC 1602 ( i ) defines " Consumer Transaction '' as ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Q : ( 4 ) What statute are you relying upon to have converted this transaction in to a commercial transaction for the purchase of a " Motor Vehicle ''? Q : ( 5 ) The Truth in Lending Act regulates the disclosure of terms regarding all " Consumer Credit Transactions '' including the right of rescission. You have admitted twice previously that you are aware that my automobile was being used for personal, family, and household purposes and not commercial. The Truth in Lending Act Reg. Z Exempts certain transactions. They are as follows : Summary of Coverage Considerations 226.1 & 226.2 Lenders must carefully consider several factors when deciding whether a loan requires Truth in Lending disclosures or is subject to other Regulation Z requirements. The coverage considerations under Regulation Z are addressed in more detail in the commentary to Regulation Z. For example, broad coverage considerations are included under section 226.1 ( c ) of the regulation and relevant definitions appear in section 226.2. Exempt Transactions 226.3 The following transactions are exempt from Regulation Z : Credit extended primarily for a business, commercial, or agricultural purpose ; Credit extended to other than a natural person ( including credit to government agencies or instrumentalities ) ; Credit in excess of {$25.00} thousand not secured by real or personal property used as the principal dwelling of the consumer ; Public utility credit ; Credit extended by a broker-dealer registered with the Securities and Exchange Commission ( SEC ) or the Commodity Futures Trading Commission ( CFTC ), involving securities or commodities accounts ; Home fuel budget plans ; and Certain student loan programs. Footnote 4 : If a credit card is involved, generally exempt credit ( e.g., business or agricultural purpose credit ) is still subject to requirements that govern the issuance of credit cards and liability for their unauthorized use. Credit cards must not be issued on an unsolicited basis and, if a credit card is lost or stolen, the cardholder must not be held liable for more than {$50.00} for the unauthorized use of the card.

When determining whether credit is for consumer purposes, the creditor must evaluate all of the following : Any statement obtained from the consumer describing the purpose of the proceeds. - For example, a statement that the proceeds will be used for a vacation trip would indicate a consumer purpose. - If the loan has a mixed-purpose ( e.g., proceeds will be used to buy a car that will be used for personal and business purposes ), the lender must look to the primary purpose of the loan to decide whether disclosures are necessary. A statement of purpose from the consumer will help the lender make that decision. - A checked box indicating that the loan is for a business purpose, absent any documentation showing the intended use of the proceeds, could be insufficient evidence that the loan did not have a consumer purpose. Q. ( 6 ) Your Contract states on page ( 1 ) near the bottom center of the page in BOLD TYPE " NO COOLING OFF PERIOD '' State law does not provide for a 'cooling off '' or cancellation period for this sale. After you sign this contract, you may only cancel it if the seller agrees or for legal cause. You can not cancel this contract simply because you change your mind.

Q : ( 7 ) What law are you relying upon to supersede the Federal Truth in Lending Act Reg. Z?

15 USC 1692 ( i ) ( 2 ) ( a ) and ( b ) requires you to bring forth a legal action in a Judicial district or similar legal entity in the collection of any consumer credit transaction. ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.

Q : ( 8 ) What legal authority are you relying upon to have repossessed my " Automobile ''?

UCC-9-109 ( 23 ) defines Consumer Goods as goods that are used or bought for use primarily for personal, family or household purposes. Q : ( 9 ) What legal authority are you relying upon to have converted this Consumer Credit Transaction for consumer goods into a Commercial Transaction or " Equipment '' as defined at UCC-9-109-2,.

Q : ( 10 ) Did you at anytime advise me that I was not required to sign a " Motor Vehicle Title Application ''? Q : ( 10 ) What legal authority have you taken my name and applied it to your contract spelled as a mis-nomer utilizing all CAPITAL LETTERS?

Q : ( 11 ) I have rescinded this contract pursuant to the Truth in lending Reg Z 15 USC 1692 ( i ), and provided you with an invoice for the return of all monies expended as the result of this fraudulent contract. When will you be refunding my money? If not what is the legal basis for your refusal to refund?

Q : ( 12 ) Your letter i.e. Notice of your Plan to Sell property dated 6/14/2017 has an account # on it that is not my account number why is this? provide the legal basis as to why there is a different account than my previous account number.

This is another reason why I need a full validation of this debt as requested for the 3rd time below.

This is a dispute of a debt pursuant to 15 U.S.C. 1692 ( g ) I am also requiring again that you provide verification of this alleged loan through audit certification of debt entry in accordance with " G.A.A.P. General Acceptable Accounting Principles '', " Basel 3 Accord '' and " U.N.C.I.T.R.A.L Convention ''.

In your last letter you stated that it is not XXXX XXXX XXXX practice to respond to such correspondence unless new allegations are raised. This is a dispute of a debt and under the FDCPA 15 USC 1692 ( a ), ( c ), ( d ), ( e ), ( f ), ( g ), ( i ) all of which you are violating you are required to respond. Your actions are also a violation of my civil rights under 42 USC section 1983 and various fraud statutes.

If you are operating within the framework of the law it should be pretty simple to respond by pointing me to the laws upon which you are operating. A lack of response as previously stated will be deemed an admission of the facts by CarFinance and XXXX XXXX XXXX as I have stated them.

Govern yourselves accordingly,

06/18/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NC
  • 282XX
 Web Servicemember
First I would like to lay the foundation for the basis of my complaint. There is a distinct legal difference between an Automobile and a Motor vehicle. The latter motor vehicle is specific to commercial transportation and/or for hire activity, in other words profiting in business using the streets and highways within the state. The automobile on the other hand is a consumer good purchased for personal, family and household use. ( see legal definition '' 18 USC 31 ( 6 ) MOTOR VEHICLE. The term motor vehicle means every description of carriage or other contrivance propelled or drawn by mechanical power and used for commercial purposes on the highways in the transportation of passengers, passengers and property, or property or cargo. If you will notice the term automobile is excluded from this definition. If you will also note in the North Carolina General Statutes 20-4.01 ( 23 ) you will note that the term automobile is also excluded from their definition of motor vehicle. ( 23 ) Motor Vehicle. - Every vehicle which is self-propelled and every vehicle designed to run upon the highways which is pulled by a self-propelled vehicle. Except as specifically provided otherwise, this term shall not include mopeds or electric assisted bicycles. Within the Uniform Commercial Code which is within the jurisdiction of the states to regulate because it is in commerce UCC-9-109 ( 23 ) defines Consumer Goods as goods that are used or bought for use primarily for personal, family or household purposes. It does not say with the exception of automobiles. UCC-9-109 ( 1 ) further clarifies that the motor vehicle and not a private automobile can be regulated by the state. Under UCC 9-109 there is a real distinction between goods purchased for personal use and those purchased for business use. The two are mutually exclusive and the principal use to which the property is put should be considered as determinative. XXXX XXXX XXXX v XXXX 5 UCC Rep Serv 1028 ; 266 Cal.App.2d 384, 72 Cal.Rptr. 168 ( 1968 ). Automobile purchased for the purpose of transporting buyer to and from his place of employment was " consumer goods '' as defined in UCC 9-109. XXXX v XXXX XXXX XXXX XXXX XXXX., 3 UCC Rep Serv 1035 ; 415 S.W.2d 347 ( Tenn. App., 1966 ). A vehicle not used for commercial activity is a consumer goods,... it is NOT a type of vehicle required to be registered and use tax paid of which the tab is evidence of receipt of the taxXXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Thus self-driven vehicles are classified according to the use to which they are put rather than according to the means by which they are propelled. Ex XXXX XXXX 148 NW 20. The Supreme Court, in XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX L.Ed. 825, held that carriages were properly classified as household effects, and we see no reason that automobiles should not be similarly disposed of. XXXX v United States, 152 F. 163, 164 ( 2nd Cir. 1907 ). There are countless court cases and including SCOTUS rulings that clarifies the fact that an automobile is private consumer goods, and the right to travel is a right not a privilege to be regulated by the states. When I realized the fraud that had been perpetrated on me, I posed questions to the finance company and dealer XXXX XXXX XXXX XXXX, Car Finance or its loan servicing company XXXX XXXX XXXX. Neither company responded to specific questions I asked them. The questions are as follows : ( 1 ) Under what legal authority did your client make the determination to require me to sign an instrument known as a Motor Vehicle Title? ( 2 ) Under what legal authority did your client make the determination that the purchase of my automobile was a commercial transaction and subject to registration with the North Carolina Division of Motor Vehicles? ( 3 ) Under what legal authority did your client make the determination that my automobile a consumer good, purchased for household, personal and family use is real property and taxable by the state of North Carolina. ( 4 ) Under what legal authority did your client make the determination that a Motor Vehicle Title was the instrument for securing his interest for the loan instead of the UCC-1 Financing statement? ( 5 ) Under what legal authority did your client make the determination that my automobile a consumer good, purchased for household, family and personal use is being used for hire and/or a motor vehicle being used for commercial purposes? ( 6 ) Under what legal authority did your client make the determination that he could use my personal identifiable information on an instrument of commerce i.e. Motor Vehicle Title without my informed consent? ( 7 ) Under what legal authority did your client make the determination that my automobile is equipment as indicated on the North Carolina Motor Vehicle Registration. Additionally my letters were a dispute of the debt and i requested that they validate the loan in accordance with ( XXXX ) XXXX XXXX XXXX XXXX ), XXXX and XXXX XXXX. They failed to do so. Neither company has answered anyone of these questions. I have given them at least 3 opportunities to do so. Instead they unlawfully repossessed my automobile on X/XX/2017. Up until the time that I discovered their fraud my car note was current and I refused to continue paying these crooks especially when they ignored my concerns. Additionally I was never given the proper notices of rescission which are required under the Truth In Lending Act. The actions of these companies are nothing less than fraud, identity theft, conversion of property and theft of property. All of my written request for answers have been ignored. What should have been done is a UCC-1 Financing Statement should have been filed with the Secretary of States office to secure their interest not a Motor Vehicle Title. By filing a motor vehicle title application they have caused the classification of my automobile as a motor vehicle. This subjects me to property taxes and regulation of the Motor Vehicle Statutes by having the state license plates on my automobile. After bring this to their attention rather than try to rectify the my concerns they chose to repossess my automobile. This is a very serious matter for me. The fact that once I made them aware that I am aware they have shown no compunction to do the right thing whatsoever. I will retain legal counsel to bring forth and avail myself of any and all legal remedies if I do not get a satisfactory resolution from these people within the next 10 business days.
12/16/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 23513
 Web Servicemember
In XXXX I switched finance companies from Car Finance Capital to XXXX XXXX XXXX XXXX because I had purchased another vehicle ( XXXX, traded in XXXX ) and financed with XXXX so I got a cheaper interest rate so I switched XXXX. I had XXXX cars at this time through them, a XXXX ( traded in for XXXX ) and a XXXX. I told Car finance I was switching and they said that everything would be taken care of when my bank contacts them. Well when i purchased my XXXX I had traded in a XXXX that I had financed with Car finance, the company had sent over a check but dduring the week that the check was being sent, car finance called me over XXXX times a day. I had no control over the check as that was between the credit union and car finance. I am XXXX XXXX military and car finance called my Chain of command harrassing me asking me where the money is. You could tell they Got it because the calls suddenly stopped. After refinancing my other vehicle ( XXXX ) with XXXX I received XXXX calls a day asking for the money, my bank stated they had sent a check to car finance. Car finance told me that they had it under control and would contact the new lean holder but I would still get calls and tell them yes the check was sent I just talked to someone at car financ and they said it was taken care of. So every other convo was different. Eventually it was n't handled so I went and Got a check myself and over nighted it. The check was dated for XXXX when the bank and car finance had spoken and Got each other 's information and pay off information and everything so they had been speaking. I had already started paying on this car again at XXXX XXXX ( mind you in 3 yrs that I had car finance I never missed a payment ). I talked to a manager who told, me that now because Car finance refuses to admit they recieved a check ( which the XXXX I sent them is dated from their original convo ) they also said I need to pay interest.. Now I am already paying else where and car finance told me they had everything under control XXXX XXXX, a manager with the company told me the bill was 37 days past due, I over nighted the second check that day but now my credit score just went down XXXX points because car finance reported my deliquent 60 days. I am not deliquent, I am paying my bills but what car finance told me was that they were supposed to talk to my bank and when they didnt they faulted me for it. Now I owe interest in it, I sent many emails stating I need a bill stating my remaining balance and it has been 3 weeks and I have yet to receive it or an email back from the manager ( i sent XXXX emails ). The company has not sent my title to my bank either. I believe that this company is a predatory lender and I have reported them to my Chain of command because I feel they were quick to go to my Chain of command when I am not at fault. The harrassment and emotional stress I have recieved from this company is way too much .. And now my credit is ruined for something that is not my fault. They have the check that states the original date, they can see it was n't me missing a payment. This needs to be fixed now!!!! My payment rate is 99.99 % on my credit report, I pay my bills!!!
12/01/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OR
  • 97045
 Web
The last 4 years I have tried and tried. Letters to XXXX, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with XXXX and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. XXXX XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX kids and own a XXXX. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to state golf and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on www.alertsftc.gov/XXXX, freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with XXXX XXXX XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.
04/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 91950
 Web
I HAVE A LOAN WITH CARFINANCE.COM ( LOAN # XXXX ) AND I HAVE RECEVED NUMEROUS CALLS EVENTOUGH I HAVE TOLD THEM A DATE I WOULD PAY. I AM CURRENTLY A MONTH BEHIND BECAUSE OF FINANCIAL CIRCUMSTANCE, BUT I HAVE ALWAYS MADE MY PAYMENTS WHEN I SAY I WILL VIA XXXX. THEY SAY THATS NOT A SECURED ARRANGEMENT BUT THAT THEY WOULD NOTATE IT IN THE SYAYTEM ON WHEN I CAN PAY. WELL, I HAVE TOLD THEM SNCE XXXX XXXX WHEN I MADE MY LAST PAYMENT THAT I WOULD NOT BE ABLE TO PAY UNTIL XXXX XXXX MY NEXT AVAIL PAYDAY TO MAKE THE NEXT PMT. WELL I PAID ON FRIDAY XXXX A XXXX PMT {$310.00} AND CALL IN THE REF # AND I ALSO LET THEM KNOW MY NEXT ARRANGEMENT XXXX/XXXX/16 {$310.00}. I END UP GETTING A CALL ON MONDAY XXXX AT XXXX AND THEN XXXX CALLS WITHIN XXXXHRS APART TISMORNING XXXX/XXXX/16 AT XXXX and XXXX!!!!! THIS IS A VIOLATION OF Fair Debt Collection Practices Act ( FDCPA ), The Act prohibits certain types of " abusive and deceptive '' conduct when attempting to collect debts, including the following : 1 ) Communicating with consumer after request for validation has been made : communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer 's written request for verification of a debt made within the 30 day validation period ( or for the name and address of the original creditor on a debt ) and before the debt collector mails the consumer the requested verification or original creditor 's name and address. 2 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously : with intent to abuse or harass any person at the called number. NUMEROUS TIMES HAVE A PAID WHEN I SAY I AM GOING TO PAY. YES, I AM CURRENTLY BEHIND A MONTH ON THE PAYMENT BUT I HAVE GIVEN VERIFIABLE ARRANGEMENTS ON WHEN I WILL PAY. I WO N'T DO CHECK BY PHONE BUT I WILL DO XXXX PMTS TO AVOID RETURN FEES WITH MY BANK. LAST MONTH THE SAME THING HAPPENED WHWER EI WOULD GET CALLS ALMOST EVERYDAY EVEN AFTER I TOLD THEM WHEN I WOULD PAY. IM NOT A BAD PAYING CUSTOMER JUST A SLOW PAYING CUSTOMER BUT I AM ALWAYS TRUE TO MY WORD ON WHEN I WILL PAY. I CONSIDER THESE RESULTS GIVEN UP TOP HARRASSMENT AND WANT IT TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!
08/19/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 948XX
 Web
In or around XXXX XXXX I was laid off and soon thereafter began having financial hardship. I explained this situation to Car Finance ( the agency collecting the auto loan ) of such hardship. Towards the end of XXXX XXXX my income was drastically decreased but I kept my best to make payments and ask that they stop calling my cell phone so often as I was well aware of the times my payments were late but I was still making them. In XXXX XXXX they kept calling on a regular basis even though I explained I was trying to borrow funds and would make sure my payments were n't more than 30 days past due. My requests continued to fall on deaf ears and the calls had gotten to the point I begged to stop and borrowed money from my roommate on credit to pay my bill, because they would n't let me off the phone. I have spoken to people in the legal field because of the harassment and I was advised once I asked them to stop calling my cell phone they would be in violation of the Telephone Collection Practices Act and considering they had called at times prior to XXXX and after XXXX PST they were violating Federal Collection Practices Act. I called them and told them about these violations and I NEEDED them to stop ; i was told ( no less than two separate occasions ) they could n't until my bill was up to date. -- I have made several complaints to them, I 'll need to get their call logs because their number changes and I only have two or three numbers they used to call me on my cell phone call logs. I understand that an attorney may assist in getting direct funds for each violation. My goal is not to have an attorney take a lot of money and I still owe them. My goal is to have them work with me, remove all of the fees ( which is the majority of the amount owed ) and a decent payment plan only on the remaining principal amount. That seems fair, I do n't want a long drawn out legal issue and them to threaten to repossess my vehicle while ruining my credit report. My credit report should n't have any delinquencies regarding this debt because I have made sure payments were not over thirty days.
03/25/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • SC
  • 296XX
 Web Servicemember
During deployment turning in my SCRA documents was misleading and stressful.I did n't get info to do so until I was XXXX and away from home. I 've tried contacting the company to make payments.Back in XXXX I even had a customer service agent take XXXX payments without permission resulting in bounced checks and over drafts with my bank. I have to get a new bank account because of this so I could pay bills. I was told my account is under audit and I could n't getme account info or make accept payments at the time. I had the we can take payments / we will differ a paymen to help you catch up a few time while deployed. Then I 'm in Texas going through my XXXX when I finally get help from someone. At that time I 'm told I 'm XXXX payments behind! I 'm told they can differ a payment and help me get caught up. Before that could happen though they would have to take a payment to keep me out of repo and call me back about the deferment. i was never called back again except for another payment. To where at the beginning of XXXX I made a payment around the XXXX and setup XXXX for the XXXX. This was going to get the current for the month of XXXX. Meaning I still owed a payment for the XXXX XXXX payment date. I tell the customer service agent that as of XXXX XXXX XX/XX/2015 I 'm off active orders and told him I would try making both payments XXXX XXXX. He assured that will get on track. XXXX XXXX I get XXXX letters XXXX stating my intrest rate changed and a bill dated XXXX/XXXX/XX/XX/2015 that I now owe XXXX by XXXX/XXXXXX/XX/2015 and my payment is in collection. I called and was told a manager would look at my account and call me back XXXX XXXX of XXXX. XXXX XXXX I 've had to call them. Collections tells me I owe XXXX and they transfer me finance. I 'm told my account has never been audited and my payment is n't XXXX ( results of a " descrepancy from a retina audit '' letter sent XXXX ) it 's not XXXX per the bill sent XXXX. Actually it 's XXXX as of XXXX w/ XXXX as current owed
02/08/2018 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85043
 Web
I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers ( more than one ) of mine inquiring information about my husband and I for the personal gain of reposessing the car ( a car loan currently being serviced by XXXX ). We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX XXXX but that does NOT give the right for any employee of a Collection Company /XXXX to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because " that's what I do now Repo Only ''. She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was " normal repo practice for Collectors at XXXX ". She asked where I worked, if my Car was parked outside ( referring to.my place of employment ), she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family. Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX. This is unfair and against our rights as consumers.
12/05/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CT
  • 06112
 Web
On XXXX/XXXX/XXXX XXXX XXXX XXXX recived a notice from carfinance capital/XXXX XXXX XXXX, stating that they have my vehicle and that i have broken my promise in our agreement.after reading the notice i then called Carfinance the person i spoke with says their name was XXXX, after explaining the reasons for my call she stated that she does not know the reason for or why my truck was repossed because it is, showing that my payment was up to date and there is no missed payment.because that the has just received payment from me on XX/XX/XXXX and i would have to speak with some one in a other dept.about my situation.i was then transfer to someone else.this prson can not recall name said because my truck was in the shop and was not pick up on time they went and repossed my truck and if i want the truck back i have to come up with {$4800.00}, i bought this vehicle used for the sum {$10000.00}, making payments on time i received this notice on XX/XX/XXXX that the vehicle will be sold at a private sale on XX/XX/XXXX on XX/XX/XXXX i check my credit report and i had a repossession showing i was never inform what the vehicle was sold for never received anymore information other than this letter dated from XXXX i checked my credit score again onXX/XX/XXXX now its saying i am 90 days behind on my truck payments with no contact stating about the sale of my truck.
06/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 32092
 Web
I have a loan with Carfinancial Capital since XX/XX/XXXX. the due date was requested to change on XX/XX/XXXX after I get my new job outside the USA from XXXX to the XXXX of each month, the change was requested in order to avoid late fees. The finance manager at the time XXXX XXXX who I believe is not longer with the organization agreed and approved to the change but six month later I started receiving harassing calls and letters from the company because the account had accumulative late fees, Then I came to know that the new due date was never adjusted. I had tried several times to come into an agreement with the company about the due date since my payroll date is on the XXXX of each month and by the time I wired the money to usa and I make the payment It ca n't be earlier than the XXXX but their answer is always very rude and with no accomplishment, I am making my payment each month and on time but due to their negligence to fix the situation from XX/XX/XXXX the account keeps increasing with late fees. I have several communication on the phone and the very last ones in writing to the manager of finance department with no reply from their part.
02/26/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NY
  • 11412
 Web
I financed a vehicle with Car finance which was taken over by XXXX XXXX which they repossessed in XX/XX/2017. When they repossessed the vehicle they didn't give me any notice immediately after the repossession or receive notice before the vehicle to be auction or provide me with a statement regarding the sale of the vehicle which I had the right to know. I contacted them several times on this matter an has never received notice on this matter. I see in my credit report where the vehicles is listed with Carfinance in collection for 60-90 days late with an balance of {$16000.00} an also listed in my credit report with XXXX XXXX XXXX collection charge off with an balance of {$16000.00} I don't think this is fair how they are reporting one car with two different company with two different amount owed. They are using unfair credit reporting action to me. They didn't respect my rights in repossessing the vehicle by informing me of their intention of just selling the vehicle an not giving me the opportunity to get the vehicle back.
04/30/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TX
  • 75149
 Web Older American, Servicemember
XX/XX/XXXX : purchased a XXXX XXXX XXXX along with a GAP ( Guaranteed Automobile Protection ) Debt Waiver Addendum priced at {$500.00} from Car Finance. XX/XX/XXXX : Refinanced with XXXX XXXX. Was told that they do not sell GAP. Received communication that a check was mailed to Car Finance. XX/XX/XXXX : Leased a new XXXX XXXX while relinquishing the XXXX. Was told at this time that I may be due a refund concerning the GAP. To date I have NOT received a letter from Car Finance stating that the loan was paid off. Per XXXX XXXX, I need that letter to receive the refund which was originally due to me when the loan was paid off by XXXX. I have called Car Finance, XXXX XXXX ( the company they merged with in XXXX ), XXXX XXXX XXXX ( original dealer ), XXXX XXXX. The last I heard was that Car Finance has put this in the laps of XXXX XXXXXXXX XXXX consumer advocacy department. It's been three years. How much longer do I need to wait on this?
10/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34759
 Web
On XX/XX/2018 I went and checked my credit scores using XXXX. There was a auto loan refinance prequalification page to see what better rates I could get. I filled mostly the information about the vehicle and continued. I was not able to get any estimates on the vehicle as they were having technical difficulties. After closing out of the website I noticed a hard pull alert on my credit profile from " CarFinance ''. I never applied for any of the companies they recommended which is why I'm sending this complaint. I did not give this company my full social security number, Written or Electronic authorization to pull my credit report, nor was I aware of a hard pull during the process. This was only to be a pre qualification which is suppose to be a soft pull at best. I've gone through other credit reporting prequalifications before and I've never had a hard pull initiated.
09/08/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85032
 Web
I have a loan with Carfinance.com. Since the first payment XXXX I have paid an extra XXXX every month to go to Principle. Then in XXXX I started paying an extra XXXX to principle. Car finance will no longer send me a statement because I am paid too far ahead, I want a monthly statement so that I can track how they are applying the funds. I have to call them and they sent a statement but the statement is all messed up. sometimes, ( XX/XX/XXXX ), the whole {$610.00} was applied to principle, on XX/XX/XXXX {$170.00} was applied to interest, then the next month XX/XX/XXXX {$220.00} went to interest. The interest should go down if the principle is reduced. I can send you a statement if you would like to see it, my account # is XXXX if you want to contact them. Thank you, XXXX XXXX XXXX
01/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90036
 Web
On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate. And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- CARFINANCE.COM Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
02/05/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IA
  • 50265
 Web
I took out a venicle loan in XXXX with Car Finance.XXXX I received monthly statements from them until approximately XXXX, XXXX, at my previous address in XXXX. In XXXX, XXXX, I moved to XXXX and have sent my payment every month since then along with a letter advising of my address change ( see attached letter ). I have also contacted them by phone to advise of the address change several times. To date, I have never received a statement at my new home address. All I am asking for is a monthly invoice to be sent to me, and it seems impossible to get this from Car Finance.XXXX I have delapyed sending my payment in at times as I was hoping to get an actual invoice from them, so I think that any late fees I may have incurred since XXXX XXXX should be refunded.
09/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75082
 Web
Your company illegally pulled my credit within the past 2 years. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
06/02/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • IL
  • 60640
 Web
On Saturday XX/XX/XXXX I traded my XX/XX/XXXX Chevy XXXX in at XXXX XXXX in XXXX, Il for a XX/XX/XXXX Dodge XXXX. I 've talked to several different people at XXXX XXXX at XXXX and I 've told them this at least XXXX times. I asked them to please stop calling me asking for payment on a car that I traded in. I 've had several new cars before, and this is the XXXX time this has ever happened to me. Meaning people are constantly calling me asking for payment on a car that I no longer have. The car is at XXXX XXXX on their lot waiting to be sold. I do n't know how to explain this to these people anymore, but I want them to stop calling me.
01/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • XXXXX
 Web
XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. XXXX XXXX XXXX inquiry date : XX/XX/XXXX bank credit cards i haven't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that doesn't belong to me.
03/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 62704
 Web Servicemember
Car Financial was paid in full this year in the month of XX/XX/2019. I also have a XXXX credit card, XXXX account, XXXX account, small commercial loan those current up-to-date. And none of these are being reported on my credit. In fact two days ago I watched my score take a 56-point plummet. In the last year or so I've watched my credit score go lower and lower when in fact I have been trying to increase my score, I don't feel that I am being judged fairly this needs to stop. Please help me. And I would like to thank you in advance.
09/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92692
 Web
Carfinance is reaging accounts. I had a chargeoff with them on XXXX XXXX. They were reporting a failure to pay on XXXX XXXX as well as falsely reporting a second failure to pay on XXXX XXXX. When I called them out on this and reported it to the credit bureaus, they then placed a last payment update as of XXXX XXXX, XXXX. I have not made a payment to this company since XXXX XXXX. It is illegal to report false payments and reage the account so that it stays on my credit report longer. This is fraud.
05/28/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 75227
 Web Older American
my payment for my truck is due on the XXXX of the month, and after XXXX days they began the calls i 'll answer and tell them when I am going to pay them and just about every day XXXX times a day I will get calls from them asking the same thing each time I ask why do they call everyday almost, they say it 's the computer dialing and the have to keep up collection activity. it seems like harassment to me can this be stop. finance company XXXX
10/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MD
  • 33409
 Web
I have a vehicle loan that shows on my credit report from CarFinancewhich constantly reports me late and now show repossession. Also Myloan amount was for {$23000.00} and I have paid 20 payments at $ XXXX/mowhich is {$10000.00} and CarFinance is telling me that my balance is {$25000.00}. REALLY??? In addition, I have a letter from XXXX stating thatthey will remove the item from my credit but they are useless as well.
04/20/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 33071
 Web
Refinanced my vehicle with Carfinance.com, went to make a payment and realized that they do not offer an option to use your checking account with incurring any additional fees. When I called in to pay, they wanted to charge me {$10.00} pay-by-phone fee. The only option I have is to mail my payment in, and that doe not guarantees me that they will post my payment on time, which may cause addition late fees.
11/01/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30349
 Web
I have repeatedly asked XXXX and XXXX to dispute the validity of this account but this creditor ( XXXX ) formally ( Carfinance.com ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.
04/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 91950
 Web
I received 3 calls in a 19hr span from CARFINANCE.COM ON XXXX. calls were collected : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX This is Harassment and needs to stop. I have already given a date of payment XX/XX/XXXX and I still get harassed by this company 3 times in 1day? This is a violation of FDCPA and Rosenthal Act. I want this stopped immediately!
10/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 238XX
 Web
On my XXXX report Car Finance is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact XXXX to dispute online but they are having system problems as well as a data breach issue. My score has dropped 50 point because of this incorrect, inaccurate reporting. Please help thank you!
06/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95670
 Web
I HAD A CAR LOAN WITH CAR FINANCE XXXX. THE TOTAL CAR BALANCE WAS {$20000.00} AND THE CAR PAYMENTS WERE AROUND {$420.00}. IN XX/XX/XXXX THERE IS A LATE PAYMENT LISTED FROM THE COMPANY. THIS IS DUE TO SYSTEM ERRORS I WAS TOLD WERE HAPPENING AT THIS TIME AND THAT IT WOULD BE UPDATED. THIS INFORMATION HAS NOT BEEN UPDATED AND IS DRAGGED MY CREDIT SCORE DOWN.
06/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 92120
 Web
My car is financed through Carfinance.com. I fell behind in my payments and have been receiving constant harassing calls from them. The Carfinance.com agents are extremely rude, pushy, and threatening. Even if you make a payment arrangement, they will continue to harass you. They begin calling at XXXX every morning and do not stop until the evening.
07/25/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30019
 Web
I have traded in a vehicle with a new car loan and they paid off CarFinance in full. CarFinance had updated my credit report as paid in full. They have now reported the loan on my credit report with a balance of {$28000.00} and updating it monthly. This is incorrect. The balanced should be {$0.00}, showing closed and paid in full.
11/03/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • KY
  • 404XX
 Web
It was on Thursday XX/XX/2015. Car Finance, our auto loan company, called our home at XXXX, just as we were going to sleep. This was very aggravating and disturbing.I had already advised them it would probably be two weeks before I could make my next payment, I resent this kind of harassment at such a late hour!
02/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85295
 Web
I have multiple inquires from CARFINANCE.COM that I do not recognize and I would like for those to be removed from my credit report please. Here are the dates. XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM XX/XX/2018 - - Creditor Name CARFINANCE.COM
11/02/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75165
 Web
XXXX bought my loan from Car Finance. Car Finance still reports my account open with a balance, after numerous disputes both with the credit bureau and with the company. Both companies report my account as open, overstating my debt about and duplicating my derogatory payment history.
01/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90036
 Web
On XXXX XXXX, 2017 when l checked my credit report l saw that there are 5 different hard pull inquiry reports on XXXX. 1- XXXX XXXX XXXX 2- CARFINANCE.COM 3- XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX XXXX XXXX They are all unauthorized and without my knowledge and permission.
10/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60561
 Web
I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
04/01/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94546
 Web
THE ORGINIAL DEBT WAS TO CAR FINANCE CAPITAL L, THEY SOLD THE DEBT TO XXXX XXXX XXXX. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A XXXX BALANCE.
04/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36109
 Web Servicemember
These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX '', " Carfinance Capital L '', and " XXXX XXXX XXXX XXXX ''.
04/30/2016 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • AZ
  • 86442
 Web
They call XXXX times a day even though I talk to someone EVERYTIME they call. I ask them not to call me repeatedly as I have already answered their questions EVERYDAY. My answers will not change at this time.
12/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • DE
  • 19713
 Web
Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.
10/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 92545
 Web
Letters have been sent asking for them to prove this is my account and all my letters have gone unanswered. They have violated the FCRA for not providing the information in a reasonable time frame
05/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • XXXXX
 Web
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it at all.
05/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • XXXXX
 Web
When l checked my XXXX credit report, l noticed that an unknown inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it.
11/01/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30349
 Web
Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.
06/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • XXXXX
 Web
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
01/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30294
 Web
The inquiry was made on XX/XX/2017. I am unsure of the amount. I letter was written to try in have the inquiry removed.
05/17/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85224
 Web
I did not authorize these companies to pull my credit report
10/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60641
 Web
Most of those inquiries were done without my consent.
07/20/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called outside of 8am-9pm
  • GA
  • 30087
 Web
They called me at XXXX
10/20/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 17847
 Web
07/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92257
 Web
07/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33065
 Web
04/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23666
 Phone Servicemember
02/27/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33578
 Web
12/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11375
 Web
11/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91401
 Web
10/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95851
 Web
01/09/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • IL
  • 61103
 Postal mail
10/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 075XX
 Web
06/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30519
 Web
04/19/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • WA
  • 98272
 Web
04/04/2017 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • MD
  • 20872
 Fax
03/31/2017 No
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • AZ
  • 85307
 Web Servicemember
03/22/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • CA
  • 92020
 Web
01/11/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • OH
  • 44111
 Fax
12/21/2016 Yes
  • Credit card
  • Other
  • OH
  • 44105
 Web
11/10/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MO
  • 63857
 Postal mail
11/08/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NY
  • 10701
 Phone
08/08/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • OH
  • 44052
 Web
07/13/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 08030
 Web
07/08/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • CA
  • 92123
 Web
06/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78258
 Web
04/29/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85705
 Web
03/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 36617
 Web
08/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • SC
  • 29506
 Web
04/05/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 49002
 Web
03/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 44310
 Web
03/06/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 34452
 Web
01/31/2015 No
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 30087
 Web
01/21/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 94510
 Web
01/20/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 43123
 Web
01/05/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75061
 Web
12/16/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77707
 Phone Older American
11/18/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • TX
  • 77066
 Web
11/08/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NC
  • 28135
 Web Older American
09/17/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 98338
 Web
09/07/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • TX
  • 75380
 Web
07/28/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 28135
 Web Older American