Consumer Financial Services CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/09/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60133	Web
I purchased a car from either XXXX XXXX XXXX of XXXX or XXXX financial. I do not know who sold me the vehicle at all, the reason why i say that is because not one of them would tell me directly. I went to XXXX XXXX of XXXX which is located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. XXXX who is the Manager at this location advised me that he would not be able to finance a vehicle as " pay here buy here '' but he would be able to talk to some one at a finance company he had ties to. He told me he was going to show me a vehicle a XXXX XXXX which would be the only vehicle i would be able to finance through the company XXXX. at this point XXXX requested a down payment of XXXX dollars which I in fact paid with a debit card was given to XXXX XXXX XXXX XXXX, the car seemed fine for the first couple of hours then the check engine light came on. I contacted XXXX and he said that the car was sold to me by the finance company and that he would not be able to fix the car since he wasn't the owner of the car. I called XXXX XXXX and told them of the problem on the car which they replied that they would not be able to change the car for me but they would be able to let me borrow XXXX dollars at 35 % interest to fix a car that i already agreed to pay XXXX dollars for which seems excessive for a XXXX car with XXXX miles on it but I needed a car and with my lack of knowledge of other lending institutions and a very persistent and very charismatic sales person knew I was going to say yes to any car they would show me. after a couple of days of buying the XXXX XXXX I was out of close to XXXX dollars out of my pocket and close to XXXX on parts. the finance company agreed to pay for the mechanical work but I had to pay for any and all parts that NEEDED TO BE INSTALLED. To add insult to inury the people who fixed the car stole everything that was in my car tools, cds, stereo, cologne, work boots anything of value was removed from the car and I was never to see them again. the car was with them for about three weeks and it was sitting in my drive way for about 2 weeks before the agreed to pay for the work. after it was fixed i used the car for about 2 months and unfortunately was lcense was suspended do to not being able to pay for some parking tickets and my car was in pounded with no money to get it out I called the finance company to let them know of the situation I was in. and they told me its fine we ( XXXX ) will pay to have it released well they did not tell me when they where going to do so. As days went by I called multiple times to find out if they where going to take the car out and was told repitedly that they did not have a tow truck to get the car out legally. They made it seem like they repo the car and gave it back to me but not after I was being charged XXXX to take the car out and the original price was XXXX I wonder if it was done so i could pay more interest on the balance I owed. well after this it happen XXXX more time and they did the same which added more debt to my initial XXXX dollar investment again I asked them to please take the car since I was way over my head with this loan and the finance company said that they didn't care about the car that they only cared about me making the payments on time. well the car finally gave up due to a timing chain misalignment which was supposed to have been fixed with the original XXXX dollar investment because the engine mounts where bad so they had to be replaced which where not according to my mechanic. I'm paying close to XXXX dollars for a car that was valued at less than XXXX by XXXX all because of a car loan that originally was XXXX with a XXXX dollar monthly payment. If this is not predatory lending I do not know what is, because I did not have a choice on the car I was being qualified to purchase nor was I working a steady job but I was on XXXX and this was the only place I found that would work with my income regardless of ability to pay. I regret it every single day I wish i could have bought a beater that would have probably lasted longer I keep on telling them that I can not pay for something that is broken and I ask them to change the car since they did not want to change it on the first day I had it but they keep on telling me that " if you buy a used tv and it wont work, you wouldn't ask the credit card company for a refund. You would ask the used tv shop to change the tv '' But i tried to change it and neither of the companies listened to me just hours after i bought the car. I know that they lied and deceived me and probably lied on their paper work to lend me the money. I need help to deal with this company and their ways of making money on poor people. XXXX would often call me to make payments but her approach is make a payment or we will sue you and make you pay. now they are telling me that I owe them an extra payment and where trying to make my mother make an extra Payment because supposedly I was in the rears I am not this feels like a loan shark instead of a financial institution
01/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 32548	Web
Thank you in advance for your asstiance in this matter. I apologize in advance if I ramble on as this is the first time I have done a complaint like this. My complaint is on Consumer Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I started doing business with Consumer Financial Services in XXXX. I purchased a vehicle and they where the fiance company. I eventually paid that loan in full and took a personal loan. I was having some life issues and was told I could borrow more if I put the title of my vehicle up for collateral. For each loan I took if I was going to be late on a payment I was cohearsed into refinancing the loan for cash anywhere from 50 to 1000. Each of the 25 times I did this I was told it was mandatory that I purchase life and disability unemployment insurance. So to get the loan I accepted it each time as it was a mandatory condition. On XX/XX/XXXX I had to place my XXXX year old son in a XXXX and it caused me great XXXX and XXXX. I was out of work from XX/XX/XXXX until XX/XX/XXXX I called consumer finacial o. XX/XX/XXXX and spoke with a XXXX XXXX and she told me she was unaware on how to do the form and would get back to me. I was the emailed a form on XX/XX/XXXX from a XXXX XXXX and it stated on the bottom of the form that all claims need to be submitted to the creditor which leads me to believe as the consumer that the creditor makes the decision of the claim. I asked XXXX if the collections attempts could be on hold until the claim is resolved. I called XXXX on XX/XX/XXXX or XX/XX/XXXX maybe earlier and was told that XXXX and XXXX where paid and my next payment would be XX/XX/XXXX. During this time frame I was not called. I was contacted around XX/XX/XXXX thru XX/XX/XXXX and told my XXXX payment was all that was due. OnXX/XX/XXXX I contacted CFS to see if I could refinance my XXXX payment at I was still recovering from the lack of money thru the disability I was told that I owe for XXXX and XXXX. I asked for a manager and spoke to a man who identified himself as the owner of the company. XXXX stated to me that XXXX was no longer employed at the company and that she was wrong the disability insurance that I was told that I had to purchase only covered one month even though XXXX told me it already covered XXXX and XXXX. XXXX stated that XXXX should not have told me that and he was not honoring it. XXXX also told me the insurance that I was told 25 times that was mandatory is not mandatory. If I knew it was not mandatory I would not have purchased it 25 times. XXXX stated to me that he in fact credited me the XXXX payment so it would not effect my credit as a courtesy. He stated " he credits the payment for long term customers and goes back in the next month and voids the credit ''. I don't know if this is illegal or just unethical. I think there could be a bias there. XXXX stated that he was going to call the insurance company and research this and call me back. I askeed XXXX if he could hold the collection process while we handle this dispute and he told me he would get back with me that day this was XX/XX/XXXXI believe. From then to now I have recived three calls a day and a email in regards to my account. I have emailed asking for XXXX to call me and have been unsuccessful. Today I spoke with a XXXX and she stated that The notes say that XXXX was not covered. I have aske d for XXXX to call me as I recived no correspondence to this matter. XX/XX/XXXX.
03/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60110	Web
ISSUE # 1 I received a car loan from Consumer Financial Services ( CFS ) back in 2009, based on the terms of my contract I was to pay every XXXX of the month for my monthly car payment. later in the term of my loan I had some hardship and lost my job, as I do admit I was behind on my payments I quickly came back and made the loan current again. During and after this time XXXX began to change the due date on my payment from the XXXX to the XXXX of the month, according to the person in charge of my account it was to " help me out and to not obtain any late fees ''. As I told the rep I do not need assistance, I do not agree to these terms & I did not verbally or physically sign off agreeing to these terms with CFS, she would not do anything about it anymore. when I paid off my contract I obtained a ledger summarizing my account, the first thing I noticed was that CFS continued changing my account due date from the XXXX to the XXXX and back to the XXXX whenever they wanted. So when I made payments on the XXXX ( on time ) it was already late and incurred a late fee on the account ( without knowing ). I told the rep why was this happening and all the information I got was " the system changed it from time to time, there is nothing she can do. '' ISSUE # 2 when I got my account ledger after I paid off the vehicle I noticed that there were some mechanic fees included in the beginning of my loan, more than {$400.00}, I requested my account rep to provide me with an invoice or supporting documentation to what was done on the car that I had to pay for ( since I never serviced the vehicle when I got it and never took out a loan to service it either ) the only response I got was " the car dealership i purchased my vehicle from told them to include this amount in the account, with no invoice or nothing to show what was paid for and since the dealership went out of business there 's no way in obtaining any information ... but I do have to pay it or they wont release my title and send the repo & account to collection '' ISSUE # 3 at the end of my loan term I was completely current with all my payment, paying the normal amount every month. One day I received a phone call from the security desk at my JOB, they told me someone is here to see you, when I went down to my surprise it was a repo wanting to take my car. I explained to the guy that I was current on my loan and they sent him in mistake. After contacting my account rep she told me that CFS wanted the entire sum of my payments all at once and will not accept monthly payment anymore. I owed about {$1400.00} left on the car and they wanted it all that day. As there was no negotiation accepted I went to the company to pay the full amount all at once. Once I got there and gave them the cash, CFS told me there is still missing about $ XXXX- {$400.00}. I asked what for and to my surprise they included the repo fees on my account since they had to send the guy to get my car. as I explained that they sent him in accident, that I was not late in my payments, the rep was not willing to work out anything and told me to pay the repo fees or we will continue to send the repo until we obtain your car or the full payment amount. So i had no choice but to pay up the repo fees as well.
03/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60153	Web
I included Consumer Finances ( Auto Loan ) in a Chapter XXXX bankruptcy in XXXX of XXXX. I was successfully discharged from the bankruptcy in XXXX of XXXX with all accounts paid in full. After nearly 3 months of not receiving the title of my vehicle, I contacted my attorney. My attorney confirmed that the account was paid in full and that I should have received my title already. He then advised me to contact Consumer Finances directly. I called Consumer Finances located at XXXX XXXX XXXX XXXX, IL XXXX in XXXX of XXXX and was told that the branch manager, XXXX XXXX, was in charge of my case and she was not in. I left a message for her and was told that she would contact me later that day or early the following day. A week passed and I continued trying to reach XXXX for nearly a month. Finally, I was able to speak with her and was asked to provide proof of the discharged bankruptcy via email. I complied immediately, yet XXXX did not confirm receiving the document until nearly two weeks later. After she confirmed receipt of the information, she said that she would reach out to me after reviewing my account. When I did not hear from her after a week, I called again and was told that she never received the document. So, I sent them again and the cycle of stone walling antics began again. I continued to reach out to the office but my calls were either being ignored or someone would pick up the call and we would mysteriously get disconnected. At this point I was frustrated beyond measures, and began communicating my experience with Consumer Finances with my bankruptcy attorney. My attorney continued to advise me to talk with Consumer Finances directly, so I continued the overwhelming process. It was now the end of XXXX in XXXX and I had not gotten anywhere. Feeling defeated I tried one last time, only for XXXX to blatantly disrespect me with her nasty demeanor. She basically yelled at me stating that, She was not sending me the title to the vehicle, because her account reflects that I still owe a balance approximately {$4000.00}. The document that you provided is not a sufficient record that your bankruptcy was discharged and i should not even be communicating with because the account is in bankruptcy! XXXX than abruptly hung up the phone in my face and ignored my calls there after. I contacted my attorney again and insisted that he correspond with Consumer Finances to resolve this issue. Eventually, my attorney complied and reached to the finance company in XXXX of XXXX. My attorney was able to secure my title from Consumer Finances and he mailed me the vehicle title two weeks later. Receiving my title solidifies that my account was paid in full, yet to present date Consumer Finances continues to report to the credit bureau that my account is delinquent and I owe roughly {$4000.00}. I disputed the account directly with the credit bureau and was told that the information has be changed directly through the financial institution that the account is under, because they were reporting the information. I reached out to Consumer Finances a week ago, and was told that XXXX XXXX is in charge of my account and will give me a call. I have yet to hear from XXXX.
05/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60629	Web
Back in XX/XX/XXXX myself XXXX XXXX and my friend XXXX XXXX the cosigner agree to get a loan and split it in half. Payments as well. He went M.I.A and later on I heard he left to XXXX for good. I got stuck with the payments which I had no choice since it's my credit too and I can't really do anything about it. But I struggled to make the first payment/s since I got laid off from work. Had no phone at the moment since I had no money so I could not contact anyone. I had finally thought I got my job back in XX/XX/XXXX. Until the owner talked to me. But first my supervisor talked to me before and said he heard that they didn't want me to work here anymore because the loan place was calling and harassing my employer nonstop. Received to much mail from them too. And they were not stopping after my employer let them know I was working their anymore. Finally talked to the owner of the small company I work for and he didn't want to give me work. He gave me different excuses. But at the end he had no reason to fire me because I'm a good worker and never had a complaint against me and he also didn't admit to my personal loan situation. So on the same day. I called Consumer financial Services located on XXXX XXXX XXXX. A operator answer and gave my info and she ask why I'm calling and I said I'm calling to make a payment arrangement and to talk to someone to see if maybe they can't stop calling my job because they got me fired. She transfer me to the manager. A XXXX who didn't introduce herself, but didn't give me a chance to say anything because she decided to insult me right away by saying I know who you are. You are a dead beat with lots of child support. You are irresponsible and I know you got fired and do you think I care because I don't and I don't feel sorry for you. You stoled money from my family and your boss said he ain't giving you your job back because he don't want to deal with us. If she would of listen like the operator she would of know I was calling to make an arrangement to pay them back since I got my job back. Sometime this week of XX/XX/XXXX they contacted my company again and harass them. And same situation from XX/XX/XXXX I'm having with my boss. I'm now just working 20hrs instead of 40hrs. I know it's because they really don't want to deal with my problem that I'm having with consumer financial services. Please advise.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32506	Web
This complaint regards Consumer Financial Services, the lender of my auto loan XXXX hereinafter " CFS '' ), and XXXX, one of the credit bureaus responsible for maintaining accurate information regarding my auto loan. According to my most updated credit report from XXXX, I owe {$4100.00} as of XXXX XXXX. This information is patently incorrect and I have several different forms of proof to show the falsity of the information currently reflected for my auto loan. I initiated two different disputes with XXXX regarding my auto loan through CFS, one dispute was without supporting documentation and the second was with supporting documentation. Both times, XXXX denied the disputes, citing that CFS certified to them that the information currently reported was correct. XXXX, as the credit reporting agency, refuses to update this portion of my credit report even though I have provided them with unequivocal, verifiable proof of incorrect information being shown for the auto loan account originated by CFS. It should be noted that the correct balance and payment history for my auto loan through CFS is reflected on my TransUnion credit report and no dispute is required for TransUnion. I have not been able to check what Equifax shows for my auto loan account, but I am fairly certain the information is correct. I firmly believe this is an issue with XXXX blatantly refusing to update my credit report with the correct information that I have provided as proof of a valid dispute, and that their misbehavior is adversely impacting my overall credit score and credit file. Basically, it gives the appearance that I haven't paid on my auto loan since XX/XX/XXXX and owe nearly {$1000.00} more than what I actually do currently. As of my payment to CFS on XX/XX/XXXX, the remaining balance on this account in dispute is only {$3300.00}. Furthermore, the payment history report provided to me by the XXXX, Florida office for CFS shows positive payment history at least as far back as XX/XX/XXXX. Based on the foregoing discussions, the inaccurate information shown by XXXX for this auto loan account MUST BE CORRECTED IMMEDIATELY AND WITHOUT FURTHER ARGUMENT OR DEBATE.
06/28/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32539	Web	Older American
I purchased a XXXX XXXX XXXX XXXX van from XXXX XXXX in XXXX XXXX XXXX, Fl. in 2014 as my other car was in disrepair, I am a single senior female and lived far from a town. I also wanted to improve my credit score, so CHOSE to pay half the amount down and finance the rest at 24 % interest, intending to pay payments for six months and then pay it off. I test drove the van a couple times and all seemed to be o.k. Within 2 days after purchase, it developed a severe jerk in shifting from 1st to 2nd gear and the electrical system began having issues. Lights flickering, seats not working, tailgate would not open. I immediately contacted XXXX XXXX and the owner said he would either fix it or trade it for a comparable vehicle. In the meantime, trying to work this out, I made all my payments on time as promised, showing due diligence on my part. He set up an appointment with a mechanic, I went to said appointment and was told they were slammed and could not help me which I found odd. I then took it to XXXX XXXX myself and was told it would need to have the transmission rebuilt. XXXX XXXX refused to pay it. I then requested he exchange it for another vehicle as he said he would do. When I went down there, 100 miles round trip, he showed me only one and then said it would require {$1500.00} more down and the payments would increase. As I live on a limited income I could not do this. I called Consumer Finance who it was financed through and they were less sympathetic than the seller. I shortly after found many complaints from others who had been taken by this auto dealer using this same finance company. A man from consumer finance called me, was VERY rude, threatened me with suing me. I informed him that I was the one who was being ripped off. So, it went on my credit making it worse than before and that was the reason that I did not pay the whole amount which I could have done. I acted in an honest, diligent, responsible manner which I can not say about the seller or finance company. This should come off my credit report with all bureaus as NOONE should be expected to pay for something so severely misrepresented!
04/22/2020	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60707	Web
On XX/XX/XXXX I open a car loan with Consumer Financial services in the amount of {$8100.00} and it was paid off. On XX/XX/XXXX another car loan was taken out in the amount of {$7200.00} and was paid off. I noticed a collection from the same company for a 3rd account in which I was not aware of. This account was opened on XX/XX/XXXX and has a past due balance of {$5600.00} as of XX/XX/XXXX. I then reached out to the company to dispute this. They tried to claim they were not sure what I was talking about. Shortly after I received threatening phone calls from a man who claimed to be the lawyer representing the finance company. He proceeded to call me more than 15 times a day stating he was at the court house due to the balanced owed and if i wanted to avoided getting jail time I'd need to meet him at the finance company and pay the balanced owed. I than contacted the company and they refuse to acknowledge the situation. It got to the point where they started to call my job and threatening my boss with legal action if I did not pay the balance owed. I eventually had to find a new job due to the constant harassment. I then decided to go to the police station to file a report on the incident. I was to provide all information on my car including registration and the legal contract. After the VIN was put into the system I was informed my car had been reported stolen a few weeks before I purchased it. I went ahead and called CFS to explain the discovery. I was called a liar and was told I personally reported the car stolen when I did not. Shortly after that I started getting the calls again threatening to throw me in jail. After that CFS took my car and said it was out of their hands. This company is UNPROFESSIONAL and ROBBED me of my money and sold me a stolen car. They refuse and deny opening up the 3rd loan account. I disputed this with XXXX XXXX and it was removed.
01/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60177	Web
I first took out a loan with Consumer Financial Services. I unfortunately was going through financial difficulties and was unable to make payments. Consumer Financial Services then sued me, which I understood. Once the garnishments went through, I realized I was unable to afford any day to day expenses and my other bills, so I had went to Consumer Financial Services to work out an arrangement. The owner, XXXX, agreed to refinance my loan including my collection costs and put my payment at XXXX. He advised my employer that we had worked out an agreement and to stop the wage garnishment. My employer was unable to comply, so he then took advantage of the situation. XXXX first told me that he would apply the payment that was due towards my new refinanced loan from the garnishment checks and he would reimburse me of the remainder if I was current on my loan. When it came time to reimburse me, he decided that he still did n't trust me and kept the garnishment and told me he was going to keep me two payments ahead even though the agreement in writing did n't state that. I went into Consumer Financial Services to speak with XXXX directly and advised him that I was unable to afford making twice the payment on a monthly basis and that 's the whole reason I made arrangements with him. XXXX then told me that he did n't care, he does n't trust me, and I do n't deserve the funds back to me. I have a written contract with him refinancing my loan and that did n't matter. He then used foul language and was extremely unprofessional. I then started crying, being so disrespected and frustrated and he told me to stop XXXX crying and I 'm annoying him and if I say another word he would n't give me any of my money back and just put it towards the loan. I have never been so disrespected in my entire life.
10/02/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60630	Web
I had worked for CFS for the past 3 years. Till my manager decided to quit in XXXX XXXX. That is when the new manager took over the office on XXXX right by XXXX XXXX. Not only was she extremely rude to her customers but to her employees as well including myself. She will pick on numerous employees on a daily basis no reason. Many employees brought it up to the attention of the CEO and the CEO failed to do anything to help us. Majority if the staff ended up quitting due to how unprofessional the new manager was. Once I quit I thought the harassment would stop and it did till XXXX XXXX I received an alert that CFS had ran my credit without authorization. I contacted my account holder and let her know I was going to email the CEO. I then called back to set up a payment arrangement plan and was transferred to the manager and was told quote " Im sorry your XXXX can NOT pay for your bills but I will get my money back '' and then contacted the CEO he apologized for the managers language and stated he was going to look into my account and set up a payment arrangement plan. I was later on that week informed by my account holder that the CEO did not want to work anything with me. I informed my account holder my situation and let her know I could pay XXXX by XXXX/XXXX/XXXX I never received a reply back so I assumed we had made an arrangement. I then on XXXX XXXX found a letter on my car from CFS in writing stating " WE KNOW WHERE YOUR CAR IS AT. WE ARE GLAD TO MAKE ARRAGMENTS WITH YOU PLEASE CONTACT CFS AT ( XXXX ) XXXX XXXX '' There was no letter head from the company just a ripped of sheet of paper. This company has been harassing me all month even after trying to set up a payment arrangement plan with them or return my car voluntary.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53140	Web
On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXX, Consumer Financial Service of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my XXXX XXXX account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both XXXX and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the XXXX XXXX XXXX as well. I spoke with Consumer Financial Service on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call XXXX credit Bureau to close this account that is currently open..stating they dont report to XXXX credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well
11/27/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IL 60636	Web
On XXXX/XXXX/2015, I went to Consumer Financial Services in an attempt to finance a vehicle. After, finding the vehicle I wanted, paying a down payment of {$500.00} and signing the contract, I waited for car to be brought around with the necessary registration. Soon after, the owner was unable to find the registration and advised his porter to drive me back to the car lot of XXXX XXXX XXXX to pick up some temporary plates. The porter drove the vehicle to the car lot and in route, the car 's engine blew up. I immediately advised that I was not interested in that car or any car from their lot, and would like my money back. The owner than informed me that he could hold my deposit until to 30 days, but would give it to me the next day. The next day came, no money, the day after and no money. Finally I contacted the police and they advised that they could do nothing, as this was civil matter, however, they would see if they could reason with the owner to give me my money back. The owner did not show up that day to speak with police or myself and kept having the ladies in the office to say he was n't there. On the 3rd day, he finally gave me a call to pick up my funds. Fast forward to XXXX XXXX, 2015, I pulled my credit report and found that Consumer Financial has put this car on my credit report even though I never received a vehicle from them and my deposit was returned. I contacted their office and they informed me that the car could not be removed from my credit until they sold it and hung up the phone. I tried calling back and once they knew it was me they would hang up.
12/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60629	Web
XXXX I purchased a vehicle from XXXX 's XXXX XXXX. I put a XXXX down payment and was provided a finance company through the dealership. The finance company Consumer Financial Services Co. I found out that the vehicle that was sold to me had odometer fraud done to it. The miles on the bill of sale did not match the miles on the title. The miles on the title did not match the miles on the vehicles odometer. The vehicle is a salvaged vehicle. The seller was notified and he tried to fix the problem by exchanging the vehicle for one that had a XXXXXXXX XXXX on the left side passenger door. I told him I do not want a vehicle with a XXXX XXXX to the left side passenger door for the fact that I have children. I do not want my children in harms way. He insisted that he was working on finding me a replacement vehicle but those were lies. The dealership where I purchased my vehicle from is known to sell cars that have nothing but mechanical issues. I found that fact out after I purchased my vehicle. I feel that my consumer rights have been violated under ( 815 ILCS 405/17 ) ( from Ch.121 1/2, par.517 ) due to the fact that the holder has knowledge of the seller selling nothing but vehicles with mechanical issues, odometer fraud being committed to the vehicles being sold by the seller, before I signed the retail installment contract. Another violation of my consumer rights ( 815 ILCS 405/4 ) ( from Ch.121 1/2, par 504 )
12/12/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 60804	Web
Hi my name is XXXX XXXX I took a loan at consumer financial services in XXXX illinois. I took out a loan for XXXX dollars I got qualified for it. But on top of that loan they gave me a temporary insurance that in the first place din not wanted. It was a XXXX and it could be removed if you had fax the yellow paper and I did at an a excurrency exchange name pls and they said it was successfully complete and sent. But it did n't not I notice very month as I would always ask the rep at the service desk if they have gave me the credit or waver but they never did. Today I went inside the consumer financial services loan store and spoke to a lady that was very rude and as I was speaking I told her that this has been going on for so long and that I really wanted to get things settled. She refuse to give me a letter that the insurance told me they need a written request from them in order to removed it. I understand there are rules bit I did followed everything they told me. Now I just feel like I would never ever get a loan there anymore. Why would they add an insurance for a loan that 's so not good. I want XXXX to understand that I 'm not made of money and that I have always completed my payments yes maybe sometime I forgot but still paid the late fee.
01/05/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 60641	Web
I had a payment arrangement set up with CFS for a loan I cosigned on ( due to my limited budget ) and they have violated that arrangement multiple times and have taken payments without my approval multiple times. They have harrassed me at work regarding payments even though i have stated they can not do so and by doing so they are violating the law and harassing me. I have tried to speak with the manager multiple times and i can never catch him while at work. Today I called because, yet again, they have taken a payment out of my bank account and spoke to the " new manager '' XXXX. She was absolutely rude and would not let me finish any sentences. I explained that they needed to stop taking payments that are not approved and she said they were not going to do anything until my balance was brought up to date. I tried to explain that i am paying all that i can currently and can not pay any more than I am. She stated that they were NOT going to stop. She was completely nasty, unprofessional and offensive. I have also never received a receipt from the payments i have made and have requested. Each time i have requested receipts they explain they can not give me any receipts even though they are payments from me because they need the contract owners approval.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	FL 34711	Web
THIS IS NOT A DUPLICATION. I submitted a claim, MULTIPLE TIMES NOW, they refuse to answer my questions on the phone, they refuse to work with me, they refuse to find a solution and help people who are innocently suffering with false inquiries. The company stated as follows : XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint and attachments. Our records show that XXXX XXXX applied for an auto loan on XX/XX/2023, via newroadsautoloan.com. XXXX received the credit application electronically. A copy of the disclosure and consent is attached. Ultimately, XXXX did not finance XXXX XXXX. If XXXX XXXX believes that the inquiries were submitted in error, please provide additional information to our Credit Report Response Team for investigation at XXXX XXXX XXXX XXXX XXXX, Attn : Credit report Response Team, XXXX XXXX XXXX, XXXX, CA XXXX. However, I did not authorize them to access my credit report. I have not spoken to ANY personal at this company to do such as long as I have lived on this earth! I do not know anything about this company. I could not tell you what they do or what their company offers- if they offer any services. No clue is they are even reliable or accreditable. I have never encountered them, do not wish to, and do not need to.
05/15/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL 60085	Web
My business with Consumer Financial services was for a car loan. The car was totaled. I contacted CFS to inform them not to take the next payment because the car was totaled and that my insurance company will be in contact with them. The insurance company contacted them and informed them of the same information I provided. They were also, given a claim #. Within in the next day or so they withdrew money from my account after I asked them not to because the vehicle was going to be paid off. A few days later, I go into the establishment to pay off the lo an XX/2016 . I as ked how much and wrote a check on the spot. Balance became {$0.00} received a receipt to prove the balance was {$0.00} A few days later I was told that I still owe an amount. I was dumb founded because I paid them the amount they told me I was paid in full. Fast forwa rd XX/2016 CF S w as calling me non-stop everyday all day for about a month about money they claim I still owe them. They attempted to take money out of my account again without my knowledge or consent. Recently, CFS have also, ran my credit again without my knowledge or consent. The call and harass references and tell them my personal information on a car loan was clearly paid off.
11/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60629	Web
I had a {$500.00} personal loan in 2015. This loan went to collections & was eventually charged off. This year, I made the effort to correct this and sent a certified letter asking them to verify the amount due, and then a second one with a settlement offer. They never responded to my request, but began adding penalties and interest charges on a charged-off account. I called them twice after to try and settle the debt, & each time I was told that they would get back to me with an answer. I called them again today. I attempted settle this debt, and was upset at their lack of response. I spoke to the owner, I told the owner that I was attempting to correct my mistake and was willing to settle. They said no and wanted to play hardball. They said they did not care if I opened a dispute with XXXX or CFPB that those entities do not do anything for them and they will do the best to keep adding charges to my account. I told them that I would settle the debt for a higher amount as long as they would put it in writing that once my payment is received they will deem the debt settled. They also refused to do that.
11/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60629	Web
I had a {$500.00} personal loan in 2015. This loan went to collections & was eventually charged off. This year, I made the effort to correct this and sent a certified letter asking them to verify the amount due, and then a second one with a settlement offer. They never responded to my request, but began adding penalties and interest charges on a charged-off account. I called them twice after to try and settle the debt, & each time I was told that they would get back to me with an answer. I called them again today. I attempted settle this debt, and was upset at their lack of response. I spoke to the owner, I told the owner that I was attempting to correct my mistake and was willing to settle. They said no and wanted to play hardball. They said they did not care if I opened a dispute with XXXX or XXXX that those entities do not do anything for them and they will do the best to keep adding charges to my account. I told them that I would settle the debt for a higher amount as long as they would put it in writing that once my payment is received they will deem the debt settled. They also refused to do that.
06/29/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60099	Web
I had business with consumer financial services through XXXX XXXX sales in XXXX. I first got a car from them through them and later added furniture. I was making payments regularly and then my boyfriend lost his source of income and my payments fell behind. I went and talked to someone, and they got me back on track. I then relocated and started having trouble with that car. I got it fixed and it broke down again. they city put an orange sticker on it for it to be removed because I couldn't afford to get it fix again. I decided that I will just get another car. I got another and had someone to remove the old car out the yard. Consumer financial called investigator about the car and I let them know what happened. Now since I had the car removed, they have been running my credit each month without my permission. I have called them and told them I do not have their car and to stop running my credit because I haven't given them no other permission besides when I first got the car. I would like them removed from my credit report. Now I'm looking for a car they keep saying I have an open account and I don't.
10/05/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60651	Web
I have had a situation where my car was already repossed by consumer financial services. i paid the balance within the 21 days i have to regain ownership of vehicle. within a week the manager XXXX had already sold my vehicle and taken the belongings in vehicle. Her responds was im not petty and the vehicle was never sold anywhere to my knowledge she resold my vehicle to XXXX XXXX.it took her a day to return the vehicle. i have recently felt behind one payment and explain to her i was gon na make both payments together again her responds was you can walk to work your a XXXX your life is a XXXX.she has her employer XXXX call me atleast 20 times a day. she has request to garnish my paycheck already and text messages me from her personal cellphone pretending to be the legal services of the company. she says if your a week behing i can and will take you car. she haa even called other people regarding my account and asking for me.ive looked online and noticed she has pleny complains and has threaten others with deporting them.
10/20/2021	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	NC 278XX	Web
I purchased a car in XXXX which ended up getting taken by the city of XXXX because of red light tickets my then boyfriend had been getting on my car without my knowledge. That account is on my credit, as it should be. Im older now and getting my finances and credit together, so I had a friend go over my credit report where she noticed XXXX has two completely separate delinquent accounts on my credit- the original one that says closed and charged off, and another one that says I made a payment in XXXX ( which never happened ) and that Ive been delinquent on payments since. This is a completely fraudulent account. I called the company and the woman was HORRIBLE to me. She told me its too old and they couldnt do anything, then told me it may be important to me now but its not to them. I said that I didnt understand why she was being so rude to me and she hung up the phone on me. I have never in my life had someone talk to me like that, and to try to belittle me because of this was insane.
10/04/2018	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60061	Web
i HAD WAS UPSIDE WITH THE LOAN IN HAD SPENT {$7.00}, XXXX IN REPAIRS ON THE VEHICLE. AND COULDN'T KEEP PAYING ON THE VEHICLE AND REPAIRS. SO I EMAILED THEM XX/XX/18 AND TOLD THEM I WAS VOLUNTARILY SURRENDER THE VEHICLE. I DROPPED THE VEHICLE XX/XX/18 THEY STARTED CALLING EVERYDAY OVER AND OVER. THEY CALLED MY EMPLOYER TELLING THEM I HAD ABANDONED THE VEHICLE. THEY CALLED BOTH MY PLACES OF EMPLOYMENT AND TELLING WHOEVER ANSWERED MAKING MY PERSONAL BUSINESS PUBLIC. THEY EVEN CAME INTO MY PLACE OF EMPLOYMENT ON XX/XX/18, SHOWED UP TO TRIED TO SERVE ME. THEY HAVE CALLED AND TOLD BOTH MY EMPLOYERS THAT THEY ARE VERIFYING EMPLOYMENT TO SEND FOR WAGE GARNISHMENTS. WHEN THEY DON'T HAVE A COURT ORDERED JUDGEMENT. I HAVE CALLED THEIR ATTORNEY SEVERAL TIMES AND EMAILED THEM TO TRY MAKING AN AGREED PAYMENT PAYMENT PLAN. i WISH I HAD READ THE REVIEWS ON THIS COMPANY BEFORE I HAND. THEY HAVE THE WORST REVIEWS AND WORST CUSTOMER SERVICE. THEY HAVE BEEN SUED SEVERAL TIMES FOR VIOLATING THE FDCAP.
05/17/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 34654	Web
On XX/XX/XXXX I paid ( in cash ) {$1400.00} for an automobile loan marked closed from XXXX. The creditor took off this amount which raised my credit. I have a promissory note stating the amount was paid in full and the balance will reflect {$0.00}, which would eliminate this debt. As stated in the promissory note, the creditor would contact all three major credit agencies, which they did not. Although this amount was later taken off of my transunion report, it was put back on within the last two weeks and now it states that even thought the account was closed and written off, that I owe {$1900.00}. I also found this odd considering I original only paid {$1400.00}. On XX/XX/XXXX I contacted XXXX XXXX of XXXX XXXX, FL, and I was promised a return call and that the issue would be corrected that day. No one called and my credit dropped over 100 points due to this.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60651	Web
Hello my name is XXXX XXXX account XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
03/13/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60629	Web	Servicemember
On XX/XX/2016 I went and applied for a new car and got approved but in my credit report it was stating I owed almost {$3000.00} on the truck I was trying to trade in so the dealer wouldn't give me much for my trade in because the amount I owed. I knew I owed close to {$500.00} but no where close to {$3000.00} so I called multiple times to the finance company where I took out the loan and didn't get a response so I went in and disputed the amount so with my original contract I had on hand and a print out of all payments made it came out that I owed {$490.00} and I paid that with debit card in full and received a letter signed and said paid in full about 2 weeks later I got the title .. so don't know where this extra money they say I owe because if I owed any money I would of never got the title from the company.
04/22/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 605XX	Web
On XXXX/XXXX/XXXX I got notice of a new hard inquiry on my credit report. I checked & it was from XXXX XXXX in XXXX. I called them to inquire & the young lady told me over the phone ( after verifying my social & name & address ) that it was regarding the personal loan I took out in XXXX XXXX. I have not applied for any loans nor have I stepped foot in this place since XX/XX/XXXX, when I had a auto loan with them. Since XX/XX/XXXX everything has been closed. So I began to ask question & asked to speak to the manager. The manager XXXX reputedly hung up on me when I asked questions & said speak to my lawyer but would not give me his lawyers info. Now every time I call they hang up on me when I identify myself.
06/27/2019	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	FL 32405	Web
In XX/XX/2018 I was involved in the natural disaster hurricane Michael. I had a XXXX XXXX that was almost paid off and my insurance company paid the remaining balance. Being under Extreme stress of not having a vehicle I checked the box on the XXXX XXXX app to investigate my lender as to whether or not they had closed out my account as a positive line of credit as which it should have been. Not knowing the guidelines that the lenders only have to abide by they only report once a month. So basically just because I wanted an inquiry as to why the account had not been closed yet XXXX XXXX took it upon themselves to just completely delete the account since they found neither party of any foul play.
04/16/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32548	Web
I co-signed a loan for my daughter for a car. She was responsible for the car although my name was on it I never drove it once. I found out they are threatening to repossess it and i called Consumer Financial Services. I asked them to work out a payment plan of XXXX every 2 weeks starting XX/XX/XXXX and they refused saying my daughter had broken many promises to them. I was offering to pay this myself though! I have never made a payment with them and I think they should give me a chance. Then he went on to say that he would garnish my wages. I live paycheck to paycheck and can not afford this. All i want is a chance to get caught up between me and the company, not my daughter.
12/11/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 335XX	Web
Daughter of involved in an accident vehicle was a total loss. I did not have gap insurance and my daughter who was hit outside her vehicle has back has fractures and dental work. I can not pay at this time I have told them numbers told and we both receive calls daily I have spoken to them and explain paying the gap is not my prioity. Accident occured in XXXX and they call all XXXX people on contact list. On XXXX XXXX my parents home XXXX sister and my brother in law all answered there call and so its harrassment at this poiny. I have not moved my by hers have not changed and the call references at least once a month for the last XXXX. Just be a use I tired of repeating myself.
05/02/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60087	Web
All my privite information was given to someone who just walked in and they provide my name. The person was given information on my loan. The person was not authrized nor did any letter from me that authorize them to be given this inforamtion. My rights as a consumer was viloated. Under XXXX. This title may be cited as the " Right to Financial Privacy Act of 1978 ''. 5 ) " customer '' means any person or authorized representative of that person who utilized or is utilizing any service of a financial institution, or for whom a financial institution is acting or has acted as a fiduciary, in relation to an account mantained in the person 's name ;
02/28/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 431XX	Web	Servicemember
On XX/XX/2019 my XXXX showed a hard inquiry to my credit file from the company stated above. I didn't request in writing, in person or over the phone to have my credit ran for any type of credit. Company stated above also sent personal loan information such as amount owed on my loan to my mother. They also called her multiple times a week and would give her information regarding the amount owed on my loan without my permission. I never gave this company my permission to run my credit on XX/XX/2019. I also never gave them permission to to disclose my account number, money owed or payment history with my mother written or verbally.
07/05/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33157	Web
On XX/XX/2015, Consumer Financial Services added a derogatory mark on my credit report Per XXXX. Upon Further research, this account was sold to my knowledge and I am no longer responsible for this account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Consumer Financial Services has violated my rights as a consumer and im requesting legal action to remove this account immediately
09/12/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 33054	Web
This title loan company has opened and closed accounts under different names claiming i owe them thousands of dollars even after they repossessed the car. I told the company the engine went bad and i needed time wit payments they, charged me for a locksmith and took the vehicle. 5 years later this company has open and closed accounts on my XXXX XXXX and XXXX accounts. I have taken the time out to rectify the issue but they refuse to show me proof of the charges or any records i have my last receipt that shows a five hundred dollar balance. These people have been taking advantage of me
11/11/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AL 366XX	Web
My car was repossessed Monday XX/XX/21 I contacted confin/Consumer financial located in XXXX, Florida to see why was my car repossessed they stated that the only payment that they received from me was the down payment which is false I got my car in XXXX I paid my car note for XXXX, XXXX, and XXXX & XXXX only payment I didnt was XXXX {$250.00} each month I pay my car note threw XXXX XXXX so I contacted XXXX to see if they could look at the payments & send it to my email they stated that it would take up to 21 days but consumer financial is stating that I only have 10 days
03/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IL 60087	Web
A financial institution with which I 'm indebted, has sent several employees to my apartment complex, knocking on my neighbor 's doors. They engage into conversation with my neighbors to " break the ice '', and then they commission my neighbors to give call them as soon as they see me, and they share with them the fact that I owe money to this financial institution and I am behind on my payments. None the less, last night, XXXX of their employees came to my apartment at XXXX, and I asked her to leave as she was violating fair collection practices.
04/12/2019	No	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	FL 33441	Web
XXXX OF XXXX FLORIDA IS TAKING ADVANTAGE OF THEIR ABILITY TO REPORT TO THE CREDIT AGENCIES AND IS REPORTING NEGATIVE INFORMATION TO MY XXXX REPORT AFTER I CONVERT MY XXXX XXXX TO A XXXX XXXX BACK IN XX/XX/XXXX, I MY CASE WAS DISCHARGE XX/XX/XXXX AND I RECEIVED THE FINAL DECRED XX/XX/XXXX BUT XXXX OF XXXX FLORIDA REPORTED LATE PAYMENTS IN XX/XX/XXXX AND XX/XX/XXXX ALSO REPORT FULL BALANCE IN THE ACCOUNT WHEN THEY REPOSSESSED THE CAR IN XX/XX/XXXX AND THE CAR WAS SOLD IN A AUCTION IN XX/XX/XXXX, XXXX XXXX AND THEY ARE ABUSING THE SYSTEM
02/18/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60085	Web
I currently have a loan with them that I took with my dad. Im the first signature in the paperwork and my dad is the co-signer. My dad took a second loan with them and apparently he hasnt been making any payments on his second loan, the loan were hes by himself. This agency thought it was a good idea to take money from the account were Im on. My dad doesnt live with us anymore and we dont have any contact with him. The agency said that they have the right to move money from two different accounts.
11/01/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60076	Web
The loan company I was with before they repossessed my car keeps pulling my credit report every other month. I didnt authorize nor give them permission to since I signed for the car on XX/XX/XXXX of 2022. If you look at the photos Ive sent, theres two separate reported accounts from the company. There should only be one account. I dont want to keep dealing with this company or the manager who runs the store. Is there anything I can do too stop this from happening further
05/21/2022	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 32505	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	OR 97212	Web
I was denied renting an apartment on XX/XX/2023 because of insufficient rental history on my credit but I have been at my current resident for almost 3 years and my previous for a year and the one before that 3+ years and I can see them on my credit report when I looked so I don't know what the problem is. I need to talk to someone so I can fix this problem and move forward in getting this apartment. Thank you
11/07/2023	Yes	Vehicle loan or lease Loan	Repossession Company explaining amount owed	FL 325XX	Web
Well first think is this is not the firm I purchased it from. They did not give me a choose. Which made payments harder to make I have Ask for my balance via email and have not received anything period and I disputed it. On 2 different credit beuros. Due to the fact, the balance for the last 2 and a 1/2 years has not changed from {$14000.00}. Well, I'm making payments. Wouldn't you think this now would change?
11/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60643	Web
The Lienholder is having the dealership illegal hold my license plates for non payment. Im off a month for my car note and my temp plates have expired. I was told by the finance company that they wouldnt give me my license plates until I pay. I have complaints with the Attorney General and The Secretary Of State. Also the they havent properly registered the car and I was charged for title and registration fees
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60035	Web
Consumer financial ran my credit without verbal or written approval. When asked why this was done, I did not hear back from anyone. They closed my first complaint with zero resolution to my issue and did not remove the inquiry. I would like the inquiry removed from my report as this was not permitted by me, I was not refinancing or doing anything that would allow them to run my credit.
09/29/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	IL 60076	Web
I was told by XXXX from consumer financial service east that I shouldnt worry bout my credit report and since I dont pay my bills they not going to worry bout it, I have all the payments I made and all the stuff I was sent. I really want this taken care of, I shouldnt owe {$8500.00} and I was told only way to get vehicle back is to pay XXXX right away and then XXXX $ per month.
12/21/2021	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 60087	Web
Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,
03/29/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	IL 60085	Web
ACCOUNT # XXXX XXXX XXXX phone # XXXX Car was repoed on XX/XX/2020 after it was payed off completely but not giving the tittle I had personal stuff of value in my car because I was moving and they wouldn't tell me where the vehicle was. I NEED ANSWERS and help i don't know where to go and its messing with my credit
06/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL XXXXX	Web
This loan amount needs to be removed as this vehicle was purchased from a buy here pay here sales company and sold without my permission in writing. Fraudulent sharing of my information or approval. This is preventing me from getting credit approvals and I don't have this vehicle.
10/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46219	Web
XXXX doubled charged my bank account with a payment causing overdraft fees and my account to be in the negative for over 5 days. A payment posted on XX/XX/2021 of XXXX and on XX/XX/2021 for XXXX leaving my account in the negative and causing overdraft fees
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 125XX	Web
Consumer financial service duplicated my car loan. Then noted my car loan is past due and I cant remove it this company is trying to scam me out of {$1800.00} due to late fees but I have the lien removed from my car and a confirmation of loan discharge.
06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 018XX	Web
Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is still reporting to XXXX as is this loan is open. The balance increased. This account is closed and paid in full. I continue to have issue with this account.
02/14/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33441	Web
Consumer Financial Svc in XXXX Florida is reporting wrong information in my XXXX report my car loan was discharged in a chapter XXXX and they are reporting late and balance of {$5000.00} I tried to contact them but I get no answer
08/17/2019	Yes	Vehicle loan or lease Title loan	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60160	Web
While checking XXXX XXXX I noticed a new hard inquiry for a new line of credit that I did not authorize for the 3rd time this year. The first was on XX/XX/2019, the second on XX/XX/2019, and recently XX/XX/2019.
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	WA 98275	Web
Landlord Tenant Court Records ( Date Filed XX/XX/2018, Case Type Civil Action for possession, XXXX Case # XXXX ) I do not owe this judgment, nor can it be proved that I owe this judgment. This must be removed
04/25/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33157	Web
I have tried to reach out to the creditor and no response since XXXX of 2020 for the amount of {$8700.00}. this is causing many difficulties in my credit to purchase things for myself and my family.
03/29/2021	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 325XX	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60651	Web
I have been a victim of identity theft I have police report to confirmed I was incarcerated the time of the opening.these items is effecting me and I ask they be removed asap
02/08/2022	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 60617	Web
This company keeps running a credit inquiry on my report for no apparent reason. They call and harass me saying they will XXXX me. Its becoming very disturbing.
02/08/2022	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 60617	Web
This company keeps running a credit inquiry on my report for no apparent reason. They call and harass me saying they will sue me. Its becoming very disturbing.
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	60025	Web
I am co signer for my husbands auto loan. Already paid off that loan 2 years ago. But showing open status on XXXX credit report.
09/30/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 600XX	Web
Ive tried telling them my payments are high my car was XXXX they charged me XXXX in total I cant afford it anymore
01/18/2024	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	FL 33060	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60418	Web

10/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 60645	Web

10/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	IL 60645	Web

08/19/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IN 46241	Web

07/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 32539	Phone

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60418	Web

03/10/2023	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 32534	Web

03/10/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60620	Web

10/04/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32401	Web

04/29/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60153	Web

02/28/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IL 60438	Phone

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60652	Web

11/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33023	Web

05/25/2021	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	IL 60612	Web

05/06/2021	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 Problem with personal statement of dispute	TN 38018	Web

04/22/2021	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	IL 60148	Web

03/26/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	WI 53405	Web

11/03/2020	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	FL 32505	Web

11/03/2020	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	FL 32505	Web

10/05/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60426	Phone

06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60649	Web

06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60649	Web

05/29/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 34668	Web

02/19/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60505	Phone

01/13/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	PA 17406	Web

09/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33030	Web	Servicemember

07/12/2019	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 33411	Web

01/15/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	FL 32539	Web

08/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32310	Web

11/05/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 34668	Web

08/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60073	Web

02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IL 60603	Postal mail

01/31/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 60651	Web

08/04/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 32438	Web

02/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60035	Postal mail

01/28/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60402	Phone

01/27/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IL 60402	Web

08/20/2014	No	Consumer Loan Installment loan	Problems when you are unable to pay	IL 60123	Web

12/06/2013	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 93035	Web

11/25/2013	No	Consumer Loan Vehicle loan	Shopping for a loan or lease	IL 60629	Web

11/04/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07922	Web

08/16/2013	No	Bank account or service Checking account	Account opening, closing, or management	OH 44615	Phone

12/20/2012	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60085	Referral