| 11/11/2022 |
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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Pursuant to 15 U.S. Code 1666b ( a ) - Timing of payments & Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, XXXX, LAS VEGAS FINANCE, XXXX XXXX XXXX, and XXXX XXXX. XXXX have violated federal law and dishonored their obligation to uphold the law.
15 U.S. Code 1666b ( a ) Time to make payments clarification ; ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637.
15 U.S. Code 1681b - Permissible purposes of consumer reports clarification ; ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX has violated federal law by reporting multiple " LATE PAYMENTS '' regarding multiple open consumer transactions, on my credit report. XXXX has reported the following " LATE PAYMENTS '' on my credit report : XXXX XXXX XXXX : Reported late date : XXXX -XXXX XXXX XXXX : Reported late date : XXXX FIN. XXXX : Reported late date : XXXX In addition to reporting this information XXXX have also provided my credit report with this inaccurate information to furnishing companies, damaging my credit, potential opportunities and overall livelihood.
Legal Remedy Granted : According to 15 U.S. Code ( a ) ( 1 ) ( A ) ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorney 's fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Legal Remedy SOUGHT : I am seeking remedy from XXXX in the following : - {$1000.00} from XXXX for each of their violation of 15 US Code 1666b - {$1000.00} from XXXX for their violation of 1681 -Removal of all the XXXX reference accounts completely from my credit report.
XXXX is in violation of Federal law. I intend to seek out of court remedy for damages caused by the violator according to federal law. In the event we are unable to come to an settlement offer I intend to seek remedy via court proceedings.
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| 06/17/2016 |
No |
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- Can't stop charges to bank account
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Web |
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Its none of the issues i listed it is harrassment that has taken place .Im late on my payday loan which is my fault im now being harassed.prior to being late before that i was on time every time my loan was almost paid off.I did fall behind and had to speak with a lawyer about bankruptcy due to the harrassment i was receiving which i really did n't want to do because of course i wan na pay back the loan but the calls to my job threating me saying your coming to my job also telling me i didnt pay enough towards my loan i came in and gave what i had.i was going to bring in what i had everyday just to try and get it paid .the harrassment came from lvfinance employer XXXX and XXXX very rude people and i told them dont call My job if im answering your calls.I spoke with XXXX and before he hung up he said im calling your job now which is un called for.Also he told me i will call you everyday which is fine i owe you but to say im coming to your job and tell my supervisor which is breach of privavcy.I wanted to pay back what i owe credit is everything but the harrassment from this man XXXX will not be overlooked i will do all i can to make sure this man is known about.The calls came and i called back but my job do have the calls logged in the system and the head manager does recall the call where XXXX told him they will be at my job if i dont call back which i was working so i could n't call job policy no cellphones on work floor.On my break i called and the nasty amd rudeness was what i endured im 2 weeks late and the yelling and rudeness when all i wanted to do was set something up with him.I did let the best of me come out and yelled back but you get nothing resolved with XXXX people yelling.This company harassed me at my job that 's my main complaint.
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| 09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I obtained a predatory loan ( triple digit APR ) through Carma Enterprises / Las Vegas Finance. In XX/XX/XXXX my son of XXXX was accused of being involved in a crime. The allegation were very serious and could not be taken lightly. His defense is costing us {$10000.00} of which we paid {$2500.00} upfront and making payments of {$1000.00} a month. I contacted Carma/LV Finance today to notify them of my reason for being past due, and of my intentions of paying off the loan, or getting back on track within the next few weeks ( {$180.00} pastdue balance,2 biweekly payments ). since going past due for the first time as a customer on my payment 2 weeks ago, I have received a copious amount of collection calls on my cell and at work. Some days receiving up to two calls a day at work. Today I advised the manager that I can not receive calls at work, especially with such aggressive tactics and disregard of business operations. The manager advised me that he " did n't care if the calls cost you your job. you 're not paying me, so why should I care ''. I again tried advising the manager of my intent to pay and reminded him of my basic rights under the FDCPA, and TCPA, of which he gave no regard, and became irate, threatening to ruin my credit.
This is predatory, and highly vindictive behavior that I will not subject myself too. Their exuberant triple digit apr and unreasonable attempt at resolution is dangerous to consumers. I can only imagine the extent of their collection practices, and threats used against other customers who are n't versed in this matter.
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| 10/24/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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hi my problem is i took out a loan with las vegas fiance and when my due date came up i got a garnishment on my check by a deby collecter so i talk to las vegas fiance and told them that i wasnt going to be able to pay them right now because my check got garnish and they were like how much is the other company garnishing you right now and i was like XXXX percent then they told me that there were going to then take the other XXXX percent of my check because they were going to garnish me also. I know i took out a loan and im going to pay it its just i need a little bit of time
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| 10/27/2015 |
No |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I have told Las Vegas finance numerous amounts of time as well as my Co workers that I am not allowed to have personal phone calls at work cause I can get terminated..they keep calling telling people I they are from Las Vegas finance.they even called my district manager.on XX/XX/XXXX. They do n't even say it 's a business matter straight to Las Vegas finance loan conpany.even after I 've told them I need more time to pay
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| 02/05/2021 |
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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After months and months, I have still not made any progress in getting this company to do the right thing, So i am turning to CFPB for help. They are reporting inaccurate information to my credit report and it needs to be deleted ASAP. They never seem to investigate only give false claims, The XXXX was unable to help i am hoping that you can.
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| 06/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2023 a charge for {$43.00} for XXXX XXXX XXXX was deducted from my account.
XXXX noted as : other. In XXXX XXXX Nevada. I'm not sure how this happened, as I do not watch XXXX.
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| 10/30/2015 |
No |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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XXXX been told multiply times not to call my job cause I can get terminated..they were told this in middle of XXXX..told this on XXXX XXXX and again on XXXX
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| 11/10/2015 |
No |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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Keep calling my job and I keep telling them I can get fires for them calling
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| 01/21/2022 |
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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Referral |
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| 11/23/2021 |
Yes |
- Debt collection
- Other debt
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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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| 04/13/2020 |
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
- Investigation took more than 30 days
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Web |
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| 05/25/2016 |
No |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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| 05/25/2016 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 01/26/2016 |
No |
- Debt collection
- Payday loan
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- Communication tactics
- Frequent or repeated calls
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Postal mail |
Older American |
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