Consumer Portfolio Services, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/22/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • OH
  • 45414
Web
This complaint involves myself as the retail-buyer of a XXXX XXXX XXXX XXXX ( est. XXXX miles at the time of purchase ; included only basic features : two power windows, a sunroof and CD player ). A 'XXXX dealership ( herein referred to as the Dealership ) in Ohio was the seller/creditor and was also the location of the credit sale. CPS, INC was the purported assignee who purchased the named Retail Installment Sale Contract/Simple Finance Charge ( herein referred to as installment contract ) at issue. CPS is an unlicensed fictitious business entity in the State of California and unlicensed as a foreign entity in the State of Ohio and conducts business interchangeably as or with the name : Consumer Portfolio Services ( herein wholly referred to as Consumer Portfolio Services ). The crux of this complaint boils down to : the formation of this installment contract ; being misled into contracting for this credit sale and the unrelenting illegal enforcement of the same thereto as a result of : intentional misrepresentations ; undue influence ; unilateral mistake ; unconscionable, unfair, unequal bargaining power/contract terms/treatment ; economic duress ; frustration of purpose ; breach of warranty ; material breach ; violations of Consumer Protection Act ( Dodd-Frank Act ), Truth in Lending ( TILA ), the Gramm-Leach-Bliley Act, the Equal Credit Opportunity Act ( ECOA ), Unfair and Deceptive Acts or Practices ( UDAP ) and Fair Debt Collection Practices Act ( FDCPA ) in relation to the advertising, offering, bargaining, financing, servicing and overall enforcement the purported installment contract at issue. BACKGROUND I am aware of this complaints length, but I am submitting it in good faith and I dont intend for any part to appear repetitive, but I needed to articulate my claim in a manner that made this complaint well-received and for the most appropriate relief. Therefore, I ask that you refrain from presupposing it as some acrimonious tangent against some company. Rather, this complaint affects the public at large because I am certain I am not the only one that has or is going through this what I am with the company at issue. I did not want to leave any element out, as I was concerned that if I failed to address everything in this complaint that I might waive the opportunity to do so later. Therefore, as a background for my complaint I assert the following : In the year XXXX, in my XXXX I regrettably filed bankruptcy for the first time ( for debt totaling - $ XXXX ). Soon after filing, I received and answered a direct mailer advertisement from the dealership offering to help me reestablish my credit with favorable terms and stating no matter my past credit history ( e.g., bankruptcy, repossession, divorce, etc. ). I was not hard pressed for a vehicle at the time. I was a single mother of XXXX children and a XXXX XXXX for the State. I would drive 90 miles a day in my SUV. Being the only income provider economic stability was important, so acquiring a more gas/money saving vehicle and being able to rebuild/reestablish my credit were two attractive selling points for me. I thought that I was in a good position by not being desperate to buy a new vehicle, because I viewed the lack of desperation as a plus in my buying making decision and protecting my interests. THE NEGOTIATION PROCESS WITH THE DEALERSHIP At the dealership, I was originally steered towards purchasing brand-new vehicles, which I firmly refused because I could not afford it. I was shown a limited selection of used vehicles, which had no visible price displayed on them. I could never receive an immediate direct answer by the dealership regarding the sale price for any one car, because not realizing it -- -each car was tied to a specific finance offer according to my credit, income, etc. and whomever would offer the financing I was ready to leave when I saw the XXXX XXXX XXXX XXXX which became the subject matter of this installment contract. I test-drove it ; I was offered to keep it for a couple days, but I declined. From here, the dealership told me they would call me to offer the financing terms. MANUFACTUTRED & PURPOSEFUL CONFUSION IN RELATION TO CONTRACT TERMS INTERPRETATION The dealership called and offered me terms with the payment amount nearing $ 500/a month and gave vague mentioning to just a couple other terms. I rejected the offer and told the dealership that the monthly payment was too high and I could not afford it. The dealership qualified me for too much, but I knew my limit and thanked them for their time. The dealership immediately began to haggle posing the question Well, what payment amount would you be comfortable with? I told the dealership and they contacted me later to present a new offer with a new lower monthly payment amount now set at XXXX XXXX a month, but now needed a {$500.00} down payment. I provided a provisional intent of acceptance to this offer over-the-phone to the dealership. However, having been unfulfilled with this phone conversation when time came to return to the dealership to consider finalizing the transaction I had and indeed asked numerous questions. But here is the kicker : I must ask a lot of questions in most situations financial or otherwise because I have a documented XXXX XXXX. My XXXX XXXX has nothing to do with my intelligence, but I require more context clues ( i.e., thoroughness in explanation ) and I must ask several questions to grasp a fully comprehensive level of understanding, especially when the information is not familiar. Unfortunately, the dealership who believed that my coming back meant that the deal was all sewn up was irritated by my various questions about the transaction and eventually left me alone in a room for an extended period of time, which I assume was to place me in a so ready to leave state to the point that I would agree to anything just to be able to sign and leave. This was not the case for me. I always maintained and had my questions to ask them. PRE-FORMATION ANALYSIS OF INSTALLMENT CONTRACT TERMS I had never seen the words RETAIL INSTALLMENT SALE CONTRACT / SIMPLE FINANCE CHARGE before. I asked the dealership if I was making payments or installments?. The dealership told me both.XXXX-month term, with equal monthly installment payments, at {$360.00} a month, all fees and finance charge included. I was floored when I saw the length of the contract term XXXX installments/months. This was substantially longer than the contract term provided to me via our previous phone call regarding the offer/terms ; the APR ( 19.45 % ) was omitted during our phone, and I was equally just as surprised seeing the APR rate as well. At this point, I rejected the offer because it had lost its value once again. Everything just seemed to keep changing, despite the dealerships attempts to make everything seem straightforward. I was there for a vehicle and the financing was a consequence to the sales transaction. I was not expecting the red-carpet treatment after a bankruptcy, but assuming anything could happen in-between signing and XXXX months ( XXXX years ) down the line I needed to be comfortable with the finance terms based on my ability to pay and any worse case scenario. This was an integral part of conducting the transaction, and if not for the representations and warranties promised to me the vehicle would not have mattered anymore and I would have simply went to another dealership or have waited for another time later to finance with the credit union, etc. Nonetheless, the dealership explained that the length in the overall financing term had to be stretched-out to get me to a lower monthly payment amount. At the time, due to my ignorance I did not know that the length of time for financing mattered just as much as anything else if not more ( i.e., time value of money ). I argued next about the high APR, on grounds that I had just filed bankruptcy ; therefore, no longer had any debt, so I did not understand why the APR needed to be that high? And I negotiated to have it lowered. The dealership noted that they worked like a dog to get me the best deal. The dealership said that they could not change it that day, but promised that the company being assigned the contract would take care of me and adjust/lower the APR to get me at a better rate and lower payment amount. The dealership reinforced this warranty by pointing to a clause on the very front of said installment contract which stated The Annual Percentage Rate may be negotiable with the Seller as a reassuring reference point to me. In general, the installment contract was explained in a hurried manner. The contract itself was on a huge, long, busy, and purposely distracting form ( 8.5x 24 inches long ) and I had difficultly following along with it. There was absolutely no way to change this adhesive pre-printed LAW Form No. XXXX XXXX XXXX XXXX Retail Installment Sale Contract form. The contract was printed on a 3-5-page carbon copy form and the dealership used a dot matrix printer to print it, and the installment contract was already printed when I arrived. I asked and required more thorough explanations/interpretations for most of it, especially at the very least for the provisions I was bombarded from clearly seeing by the dealerships finance/insurance representative due to his hovering over the contract citing that he was trying to be thorough. The only contact I had with the installment contract was my actual placement of my only two required signatures on the very front. Whats more, whether the dealership hovered over that oversized contract or not they could have given me the installment contract ( prior to signing it ) to hold for a week it would not have mattered. Take the numbers and the signatures out the equation and to this day I still do not understand most of the boilerplate terms which are an essential part of any agreement and affect the rights and/or benefits under the agreement as much, if not more, as any other terms. Boilerplate terms can be negotiated in the same manner as all other terms in an agreement, however, when you dont comprehend wholly the context of a contracts terms but ask for the contract presenter to explain the interpretation because this is their field of expertise and they should know only to be told and agree to one thing and later the contract be enforced a completely different way is monstrous. Nevertheless, I never met the people at the dealership and as a person who does not think that way would hate to live believing that everyone was lying to me on approach. I was not nave per se. However, I was by myself during the transaction, but I asked all questions beyond reason that I needed to make the best decision for me and my family. With the APR of XXXX % being a major contributing factor of my monthly payment calculation I only proceeded with the sale and the financing contingent upon the warranty and representations offered by the dealership in my ability to change and lower both the APR and monthly payment as a condition subsequent. I relied on this reassurance, as these conditions were extremely material aspects of my decision making, and if the dealership had told me no to any one of these negotiating/bargaining pain points I would have rejected the offer for the third and final time. End of story. ANALYSIS OF INSTALLMENT CONTRACT CONTENT & FORM ( GENERALLY ) The installment contract was comprised of two-pages total and lacked absolute clarity. It was at times, ambiguous, had confusing term placement, important terms were separated and/or buried within contractual language but not limited to, for example : 1. Wherein the installment contract provision ( s ) on the back where it states : How late payments or early payments change what you must pay We based the Finance Charge, Total of Payments, and Total Sale Price shown on the front on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take form of larger or smaller final payment. We will send you notice telling you about these changes before the final scheduled payment is due. 2. The aforesaid contract provision on its face, appears to have been a straightforward representation but it is not. The Total of Payments represents the time balance ( the total finance repayment duration or maturity ) and includes the Amount Financed which is the amount of the vehicle sale by itself ( e.g., principal amount ). 3. That would mean this was never a Simple Interest financing credit sale, rather from the beginning this was a Precomputed financing credit sale with interest bearing qualities. Precomputed financing is where the debt is a sum ( wholly ) comprised of the principal amount and the amount of interest computed in advance on the assumption that all scheduled payments will be made when due. 4. With respect to Precomputed financing, they are repayable in substantially equal and consecutive monthly installments of principal and interest combined, except that the first installment period may exceed one month by not more than fifteen days, and the first installment payment amount may be larger than the remaining payments by the amount of interest charged for the extra days ; and provided further that monthly installment payment dates may be omitted to accommodate borrowers with seasonal income ( which is explained further, but in a completely separate provision from this one ). 5. Wherein the installment contract states in part : How we will apply payments We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of Amount Financed. My thought to this confusing statement was I thought you did figure the finance charge because its enclosed on the front? This lacked clarity. 6. Well, with respect to Interest-Bearing financing, interest is computed on the unpaid principal balances outstanding from time to time, for the time outstanding. Each payment is applied first to unpaid charges and fees, then to interest, and the remainder to the unpaid principal balance. 7. How we will apply payments provision states in part : We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed, and to the other amounts you owe under this contract in any order we choose 8. With respect to the Actuarial method '' it is a method of allocating payments made on a loan between the principal amount and interest whereby a payment is applied first to the accumulated interest and then the remainder to the unpaid principal amount. 9. Notwithstanding, the last statement states in part : in any order we choose looking back was a flagrant play upon the target audiences ( me and other consumers ) low-awareness & and financial ignorance. To the extent, where this standard adhesive XXXX XXXX XXXX retail installment contract, once you put it all together because its all over the place that this installment contract is not only Precomputed, Interest-Bearing, but uses the Rules-of-78s as its accrual & payment methodology. 10. Said installment contract was made for 66 months, the use of Rules of 78s as the accrual method is prohibited for any loan or financing term over 61 months according to federal law, and some states dont allow it at all. 11. The accounting method ( s ) used by Consumer Portfolio Services best explains why my efforts ( many years before now ) to refinance with another company and get away from this contract altogether ( after complaining to the Consumer Portfolio Services about the credit sale formation with the dealership ) was absolutely fruitless. Additionally, it explains why the pay-off amount back then was stated for the entire installment contract amount and not just for what I would have owed up until that point, because again, this installment contract never used a simple interest methodology for accounting and payment allocation. This fact became even clearer when considering the You may prepay provision on the back of the installment contract, which contradicted the Prepayment provision on the front of the installment contract. It was confusing and the provision on the back stated in part that there would not be a penalty for paying all or part of the Amount Financed ( the Principle amount ) but you must pay the earned and unearned part of the Finance Charge and all other amounts up to the date of your payment which was not stated on the front of the installment contract under similar provision. The dealership deceived me. He confused the words prepay with pay-off and those are two separate terms. The material omission that you will not be refunding the finance charge is a prepayment penalty. Additionally, there was an Option box detailing that there would be No finance charge if the Amount Financed is paid in full before. I was told that this provision meant no finance charge if paid in full, as a promotional offer, for example if I was offered a no finance charge for XXXX promotion, etc.. But this was not true. I was duped again. Nevertheless, I never received the refund I should per Ohio law regarding as a result of my efforts to refinance out of this contract years earlier. 12. This installment contract failed to include a Notice Clause. If notice were to be sent to either party how was this process supposed to be achieved? This installment contract did not require a change of address, a requirement that a partys phone number be updated. This contractual delegation or duty was silent. 13. This installment contract might have stated that no oral changes are binding, but it did not include no changes in understandings are not binding. Moreover, how do I know that the dealership did not in fact provide Consumer Portfolio Services of our understandings when the boilerplate language is static and already stated that this is the complete agreement prior to anything ever being filled out. 14. This installment contract failed to explain how deferments and/or payment extensions would work and to what extent because the installment contract does not even provide an explanation. At the time, I didnt understand the words maturity date from the installment contract extensions because this was not a loan it was financing, but I felt that I had no other choice but to always agree to Consumer Portfolio Services terms no matter what. 15. Many important contract terms were repetitive in wording or were not reasonably close to its analogous context to prevent intent from becoming lost, impaired, or creating ambiguity. 16. Thus, ambiguity is created by stating the same thing more than once ; rarely is it not possible to say something twice without creating ambiguity. Certain terms within said installment contract were merely stated generally on one document side, only to be repeated and elaborated differently on the other side of the page resulting in contradiction and confusion. 17. Another installment contract provision states in part : Your Other Promises to Us which was a confusing headline. It created emphasis which implied that other statements in the contract are less important, especially considering the words which followed, wherein it stated in part, This secures payment of all you owe on this contract. It also secures your other agreements in this contract [ sic ] This is how these two sentences within this paragraph began and ended. It did mention a few bullet points before it, but the words after did not lead to nowhere that I could conceive, because I do not know what This or It is referring to. Moreover, the statement, All you owe on this contract is awful to place in any contract. Owe means that I am already obligated. 18. The installment contracts headline RETAIL INSTALLMENT SALE CONTRACT / SIMPLE FINANCE CHARGE is fraudulently stated because it is contradictive to the payment accrual and allocation method described within it. 19. The installment contract provision wherein it states : Prepayment. If you payoff all your debt early, you will not have to pay a penalty. To a reasonable person this would mean that there is no prepayment penalty, but it is deceptive when the finance charge already worked into the total installment contract amount in a way that doesnt allow for an incentive to pay early. On the other hand, an installment contract with precomputed interest consists of substantially equal payments throughout the entire contract so with that information you would know what to expect. 20. But, when the headline of a contract states, Simple Finance Charge but is in fact a Precomputed Finance Charge the consumer would never truly know what they were getting into. You can not lie about the type of loan you are getting a consumer into, especially when they are concerned, inquisitive and asking every question that should have prevented this fact. 21. Which is why I have been devastated by the willful deception and misrepresentations told and warranted to me by the dealership. I would not have agreed to a XXXX month payment term, while paying XXXX XXXX interest the entire time, no matter if for example, my credit score the 800s ; fresh out of bankruptcy where the chances of rebuilding my credit after 1-2 years later were greater and absolutely would not have justified such awful terms as these. 22. I was misled into believing that I could merely pay just the Amount Financed ( i.e., principal amount ) and have my performance discharged from this contract if I needed to refinance elsewhere. 23. Notwithstanding, CPS after I made inquiry about refinancing the APR for a lower rate and payment amount but was refused by them despite my agreement and understanding with the dealership and my reliance of it when asked if I could at the very least make principal payments? CPS told me No they do not do that either ... So, how was this ever a simple finance charge ( lightbulb ) thats because it never was. POST-CONSUMMATION COURSE OF DEALING & TREATMENT WITH ASSIGNEE OF THE INSTALLMENT CONTRACT ( CONSUMER PORTFOLIO SERVICES ) Not long after finalizing this installment contract/ credit sale transaction, I missed many calls from Consumer Portfolio Services who was calling me to make first contact with me, but I did not know who they were. This installment contract was assigned solely to a company named CPS, INC who is unlicensed. I soon found that Consumer Portfolio Services uses the name CPS interchangeably which has always been confusing, but even more confusing for third-parties ( i.e. family members, friends ) who would receive phone calls from Consumer Portfolio Services referring to themselves as CPS and stating that they need to speak to me about an important matter, to include my XXXX XXXX where I received oral discipline because of their calls. Consumer Portfolio Services caused distressing urgency and confusing amongst these third-party persons for me, because CPS is not distinguishable from Consumer Portfolio Services. That is because most people consider the combined letters C-P-S as an automatic reference with Child Protective Services. Which was confusing to me when I saw their name on the installment contract and was absolutely disturbing to hear by other third parties on my behalf because they thought I was I XXXX my children. Coupled with the fact that CPS would call the same or next day as Consumer Portfolio Services third-party persons were all over the place with confusion and didnt know if I was XXXX my children or having a debt collected it was intentionally embarrassing! Which is why in year XXXX I submitted a partial Cease and Desist on Consumer Portfolio Services to bar them from contacting anyone but me, which they recently violated for the first time in 4 years on XX/XX/XXXX in retaliation of my telling them ( Consumer Portfolio Services ) that I would no longer be subjected to their abuse, mistreatment or this contract. Only days later they pretended as though they were struggling to reach me, however, phone records would show that I have gone months without making actual contact with them ( Consumer Portfolio Services ) because they are absolutely abusive to talk to. Notwithstanding, once I eventually figured out who Consumer Portfolio Services was and had my first contact with them, I asked if they were aware of the warranties promised to me by the dealership and wanted assurance they would honor it. Consumer Portfolio Services told me that they would not be able to change any part of the contract and that needed to have taken place during the transaction and that theyre just the servicer for the contract. I argued with them and I also communicated with the dealership and they merely passed the buck back to Consumer Portfolio Services. I advised Consumer Portfolio Services that I did not agree to this loan as it has been, and only agreed because I negotiated with the dealership and was given a warranty of certain changes by you. Consumer Portfolio Services evaded acknowledgment of my claim and refused to address it directly, but provided that if I no longer wanted the vehicle that I could turn it back in. When I asked if the contract would be considered settled from that point if I did return the vehicle, they told me no, it would be considered a voluntary repossession. At that moment, I felt sick. It was clear to me that parties to this installment contract were not on the same page ; 2 out-of-the 3 parties knew exactly what every boilerplate term meant, didnt mean, or could mean and how they could manipulate the context of the contract egregiously more in their favor. And I was the only one who wanted a fair deal. My performance soon after communicating with Consumer Portfolio Services after realizing I was entangled in this installment contract with terms I did not agree to alone and with some I did not understand during the bargain phase ; and which were not going to be honored was poor from the onset and my performance remained poor & impaired throughout the duration of my involuntary servitude against this installment contract. My payment history tells a story, and that story fails to ever show actions of me guaranteeing, committing, or confirming anything but my impaired willingness to make payment. Consumer Portfolio Services however, did not care. They were not concerned, surprised or shocked by my claims of being misled. They never once made a good-faith attempt to investigate my claims regarding the dealership. It was rather business as usual for them, and they instead preyed further and continued to exploit my misrepresentations, my perceived ignorance, my contractual burden and inflict undue influence, manipulation, economic duress and mental & emotional abuse upon me by enforcing this installment contract which did not align with neither what I agreed to my detriment or with my understanding in relation thereto. ABUSIVE SERVICING AND COLLECTION PRACTICES Consumer Portfolio Services and I were never on the same page by design. They used the word interest, accrue, and other similar words that the original installment contract never used and was more indicative that this was a loan than a credit sale contract. Due to the many nuances and ambiguities within the contract Consumer Portfolio Services flagrantly cherry-picked what they were going to acknowledge, and made the duration of dealing with them both burdensome and frankly most times just extremely awkward. Over time, it was clear that the rights I should have had, not only at the onset of the transaction, but during the contract term was not going to be pursuant with Ohios Retail Installment Sales Act ( RISA ) which gives more protection for circumstances like these or should due to partly because the merchant seller is unlicensed and is more susceptible to self-dealing as is the assignee Consumer Portfolio Services. Much like the dealership, Consumer Portfolio Services teetered back-n-forth as to what hat they were wearing within any given conversation with me. One day they were able to grossly modify the installment contract ; or at times when I would attempt to stop paying holding to my claims Consumer Portfolio Services would tell me that we gave you a loan when no one else would. Which is not true, but at the time I believed them because I did not know any better. But I no longer had debt at the time of contracting, and years later I realized that they by law could not have given me a loan, because that is not how a credit sale contract works. Notwithstanding, when I had wanted to change the APR at the beginning or renegotiate any other element of the installment contract I would be told that they ( Consumer Portfolio Services ) were just the servicer and couldnt do anything. Whats more, Consumer Portfolio Services used that name as well as CPS in their collection efforts. On top of which they used oppressive, coercive influence and abusive practices and tactics to collect, which included but not limited to : - Engaging in behavior which that menacingly argumentative ; confrontational ; harassing ; yelling at me ; continuous cycle of intimidating me to reinforce my compliance ; - Previously would call my place of employment and/or a third-party everyday using misleading names to the point I was warned of discipline and was forced to place a partial cease and desist on communication with Consumer Portfolio Services to stop them from contacting third-parties which they recently breached ; - Yelling at me, - Forcing me to act contrary to my rights ; and beliefs as they were not present during the credit sale ( silent compliance ) ; - Undue inducement by " Consumer Portfolio Services '' through intimidation to perform in a manner different than I otherwise would have performed from the beginning based on previous representations made and agreed to, which created a continuous cycle intimidated or threatened ; - Employing undue fear, blame, undeserved guilt/emotional blackmail, and XXXX as their servicing tactics to distort my sense of events and the reality of what was happening to me ; - Victimizing themselves by normalizing and legitimizing their abuse & behavior to me by attempting to make unreasonable demands seem reasonable ; - Utilizing a cycle of mental and emotional control to support & reinforce economic abuse of enforcing the underlying installment contract ; which acted to limit my actions by restraining my resources to resist the abuse and vulnerable in defending their demands to avoid more harm ; -Numerous unjustified payment extensions against a loan with substantially impaired performance. The cascading interest-bearing effects of these purported daily finance charges, which were allegedly computed based on the outstanding principal balance, in addition to the undisclosed precomputed finance charge improperly increased the principal balance as it steady compou -Gross abuse of contract terms ; creating terms as they went via unilateral modifications of terms and numerous undisclosed changes of the maturity date. -Unwillingness to produce request for original contract upon request ( my original was destroyed during a break-in ) -Adverse Selection ; Attempted to solicit me a loan with a misleading advertisement once informing " Consumer Portfolio Services '' that the maturity had already passed. ( ( ( I experienced an inability to upload/attach this entire complaint ; breach of contract notice to CPS ; the installment contract itself ; and 'numerous ' exhibits
04/12/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • OH
  • 44113
Web Servicemember
In the beginning ofXX/XX/2018 immediately after purchasing this vehicle the car was illegally towed in XXXX by a private towing company. The car sat in that lot for nearly three weeks and cost me nearly 3000 to retrieve the car or the tow yard was going to file paperwork to assume ownership of the vehicle. I did the right thing by retrieving the car from the lot, mind you II also just was XXXX from filing chapter XXXX with the federal circuit court of XXXX. upon spending all of that money for the vehicle, I was immediately in contact with consumer portfolio about my loans and that I was certain I was going to be behind because of the cost of that tow. I did the right thing be not allowing them to assume ownership. After I could not receive any assistance felt it was unfair. I had a different representative who then said I could file for an extension and she sent an email to me which had a form to electronically fill out. I filled it out and when sending it back I contacted consumer portfolio only to learn that the previous rep who said i could be incorrect and had misled me.words were again exchanged and no solution at the time was found, A couple of weeks later I was told I went on to the website where i was granted an extension. I applied and was said to have signed for it. I never signed in, never seen this agreement they speak of but i learned that after i questioned how i had still had my car if i was actually that far behind. I struggled so had to get caught up on my loan but achieved that only to have two parents pass and my brother. all within a 6-week time frame. Three funerals, my job, my poor sister who still isnt okay to this day and here I am trying to maintaining myself. I initiated my relocation to XXXX to ensure I am a better support to my younger sister. had to fina a new job, was in constant communication with consumer portfolio, updated addresses and more. Eventually, I received no mail, no bills and the phone calls quit coming in. I called and asked what was going on and they stated i went on to the website and requested they not call me with a stop call request. I never logged in to any site and never asked them not to call. That's fact Got myself together and asked them to rese3nd out my bills yet they never came. Upon relocating my account was transferred to a new office where i spoke with a representative open time, where i had arrangements made. I was not even aware of nor was i notified., i was told to pay XXXX dollars, no repossession would stop and there were no options.,, I argued the amount was incorrect because they slapped me with fees i was not inclined to have, my balance owed jumped two more payments. i pleaded and pleaded and made no progress. They would not listen to me when I asked for literally 6 more days and i would have had that account paid off in full., they resumed. Stated they'd open an investigation and I requested a much higher level supervisor and they stated a call back would be made. That call neve3r came. No resolution. They treated me like an idiot, a fake, and like honestly ..a subprime consumer because not a single one of them had any compassion or empathy to my situation, my efforts to resolve it or the well being whatsoever. They state they offer multiple payment plans. Sure, only to draw you in to take the loan/ good luck maintaining it. During the purchase of my vehicle at the dealership, they tried forcing me into add-ons and packages i didn't need to0 increase the total loan amount were very very forceful and even made you feel bad and intimidated me when i opposed. Everything in my mind said do not accept it but by this i just wanted the XXXX out. sure enough, they tried to mislead me on my APR % which changed multiple times. Further that, their truth in lending is very gray and very dishonesty. This stop call items on the site were definetly not done with my knowledge and i believe they may be false. not only this but my data has been breached,. Im a victim of a horrendous case of identity theft, cps doesnt care. but they sell my data to whoever asks for it without even verifying that companies credentials. This company is scamming me to my face, falsifying documents, changed owed balances and refused to trake accountability or to work with mew. I cant loose my car. iu need it as i drive daily at work. please assist me in finding a resoltuomn so i can leep the car. Hault the reposssoion. Please defer ther payments and allow me to dso thisd right other wise I have the documents of the agreements, the phones calls. Misleading by multip [ le representatives, woth no resolution. P { lease work with me to resolve this or i will have no other choice in the matter but to take this another direction that id prefer n ot to. I am not in any type of arbitration agreement and have also gathered records from ym cell provider to calculate time spent on the phone, the multiple cal ; ls per day from you guys which is also against federal law in debt collections and the day of my phone call in when i learned of my repossession and having to yell at the top of my lungs with you people for nearly two hours I ended up in the hospital with my XXXX XXXX so XXXX i coul ; d have died with a XXXX. YES YOU CPS CAUSED THIS, that three-day trp to the hospital bill will go alng with any time i bill you for fopr nearly 20 plus hours back and forth and then we move to why you wouldn't work with me. was it because you could careless or discrimination or was it because your own employees may have forged my documents stopping calls, never mailing out my bills hanging upo on multiple phone calls. violating my rights as a consumer under the fair credit reporting act. I know my rights and i know them very well. I am only asking you to do what morally right here., legally right also. please assist i asked for a refund of a care package they forcedcf me into which ididnt weant, ill never use and they told me i had no choiuce in the matter as it cam with all vehicles and then upon sopeaking with that cvompany, I believethat that compAny who they outsource their care packages with is a cam or a ploy just to rake in more money. when i spoke with them they sounded like they were all at home and io was bounc ed around without and hold, no transfers, nop resolution when iu asked for someone higher. how do you have one call center employee, one claimed manager then two owners who i was informed never are there, but miraculously they both appeared during my call only she told me to call the dealer and hung up on, me ; XXXX XXXXXXXX XXXX XXXX XXXX and Consumer portfolio Just might be working together towards greater misleading and or consumer fraud. After seeing the complaints and doing my homework I cant imagine how consumer portfolio is in business after all the no0nsese they've found them selves in or how any reputable business would want to sell their loans to consumer ; I've received no calls for resolution and will give this five more days before i consult with the attorney and take this to the media. the entire world will know how dishonest, fraudulent, miss leading, unprofessional, forceful and just how your business practices may surface then., typically with one copmplating. comes many to follow. I see an easier solution I can not provid eyou any of the loan information as the paperwork is in the car which is currewntly, to my knowledge in XXXX where i left it. I am some XXXX miles away from XXXX. XXXX XXXX
06/10/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30240
Web Servicemember
This is a bit lengthy, but I can not get any resolution and I dont know where else to turn, I have filed multiple complaints with FTC.gov, with out any response. This COmpany, CPS, Consumer Portfolio Services, was sued in XXXX I believe year, but was already under investigation in XXXX. We purchased a car, from a XXXX dealership in XXXX, XXXX, ( out side of XXXX ) in XXXX. There are 2 major issues with this whole equation. CPS was in the midst of lawsuit, and yet, we were given to them as a Finance Company, and we were not told that they were under law suit, nor they were a debt collector. I feel that we should have not been financed by this Company, and their business should be on hold until their FTC lawsuit was settled. I had no idea they were under suit. And CPS, became aggressive, stating in accurate information, and everything that was in the lawsuit, is still going on. 2nd part of this equation is that our Dealership, XXXX XXXX of XXXX, XXXX, was under investgation during the same time frame that we were in house, looking for vehicle. I felt things were off, and it took forever, and we didnt get our original documents, we were given fraudulent documents, and basically, they added on to the price of our Vehicle, and we had no clue, we were sold GAP, Warranty, etc, which is all now fraud, no GOOD. They charged us {$37000.00} plus for a Vehicle, that was used as a test drive, and it should have been about {$23000.00}. Ok during this time, XXXX, my Health got bad, my husband was getting transferred to XXXX, we did not receive any notice from FTC nor CPS about lawsuit. By the time I got to the ftc, it was too late for me to apply for refund.. it said to contact the company.. THis company, always makes up the wrong amount owed, thrreatens repo, says you are 3 months behind, when you are not, and that allows them to make you virtually to get an extension which cost {$50.00} for that, a piece of paper, they add fees, and add that payment on life of loan. On our paper work our contact info was inaccurate, as far as phone number. they had been switched in place, and our address was off. Long story short, they Ended up Being sued, I dont think it WaWs FTC law suit, but it was a class action law suit, and again we were not notified. No notice. Our salesman, XXXX XXXX was one of the main conspirators, and they all confessed. And the Whistleblower in the case, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. right before he was to testify. Then, the lead Detective and Coroner, end up dead, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know there was a federal prosecutor on the case and she stated the deaths were unrelated. which is UNBELIEVABLE TO ME. They all received jail time, ordered to pay restitution and so was CPS, and they even have a clause with the FTC suit, something along the lines that money is held for other CPS account holders until they come forward. The FTC will not return my calls, I have read the lawsuit over and over, and it does seem to appy to us, and they are not enforcing the company to quit with their illegal debt collection practices. I have many documents supporting this I dont know if Ill be able to upload them at once. If you want to read about the dealership.. you can look up XXXX and they covered the stories, and its XXXX XXXX DEALERSHIP LAWSUIT, if you put that in search engine it will come up. On our point of sale, 3 different points of sale have been found, with different amounts on them. I contact CPS, spoke with VP, he said he would audit the account, got back to me very soon, and said, NO we were not effected, but as a courtesy, he would take off some late fees, etc. I promise they are still harass you even when you are not late, insist on installment loans, call you, when you have asked them not to, like my husbands work, Called me when I was at XXXX XXXX, And I hung up, because i was already crying from news received, and he called right back, and I said I wanted a cease and desist. And I was told that would make matters worse. ANd the VP, pointed out, " well you are the one who put a cease and desist on '', and implied removing it, I would be better off. I dont understsand why we can get some sort of restitution. WHen especially the Dealership confessed, they were convicted of wire fraud, Bank Fraud,, Racketeering, some other things. then those innocent people died. and YEP they are still in business. If you go to CPS website, there is a place for consumer to go in, and a place if your a dealer, and it is easily accessible, and when you read, what they tell dealers to do, its basically a manual on how to rip off people, what population of people are easy to get, and reported was that most companies with the Dealership that didnt have income, and poor credit, and most other people didnt get an added $ XXXX on their loan, because the customers didnt have the funds. We put down payment, which was pocketed, and all the money financed for gap, and warranty, was bogus. There was an atty that does class action law suits, and this was second one, which i do not trust, and we were offered {$250.00}, he stated they could n't come to an agreement, and Im guessing he pocketed all the money, because there is a rumor in XXXX, that Attorneys are easily bought off by people, such as DRs, hospitals, and it wouldnt surprise me, if this dealership did. I dont want anyone following me or chasing me, because the Owner is down right crazy ... and there have been rumors of arranged hits. That is all alleged. I dont want to be rich, or sue, really, just do the right thing, and give me the money you over charged me. And I am very afraid that if you call these companies and give my name, I will be punsihed for it.. Ill be harassed, with both. But if there are orders, with the FTC lawsuit in XXXX, and then in The Dealership Lawsuit, and they have fully confessed, and are ordered restitution., then why is this so difficult. We have a XXXX XXXX, that values {$8000.00} if that, and we owe XXXX still. Really? Can you please look at these documents, contact ftc and ask them why they will not help me, and all I want is to be done fair. The car is in my Husbands name, XXXX XXXX, and we need a different vehicle, because I broke my back, and this car, hurts me to ride in it, but no one is going to trade in on negative equity. I know alot of other consumers with CPS are experiencing the same issues, with their collection practices, and no one will help me. I even wrote a letter to the Prosecuting Attorney I believe it was for CPS case and no return anything. i have submitted several complaints. And they are supposed to make sure this company is following policy, but they are not, because if they were, they would not be doing the exact same things as they were sued for to begin with. I need help.
02/18/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • KY
  • 42101
Web
I am filing this complaint because I feel that I have been violated in one way or another by Consumer Portfolio Services INC. also referred to as " CPS INC '', under the following Federal Laws that have been set forth to protect me as a consumer in the United States. In XX/XX/XXXX, I received notice that CPS INC. was actively seeking a summary judgement against me in the amount of {$6300.00}, which consist of {$4900.00} in regards to the principal balance and {$1300.00} interest. The plaintiff in this case NO. XXXX and I have been going back in forth in XXXX County XXXX Court and I have to be honest, I have simply done the back and forth motion in court to buy myself time and to prevent the default judgement to be entered against me because I simply can not afford to be sued. After the last motion/Pro Se answer form I filed in XXXX XXXX where I stated that I would only be able to afford around {$20.00} or so dollars per month I knew my time had ran out. Therefore I began to look up and research the laws of the FTC. I feel that CPS INC. has violated in one way or another following consumer laws ; Section 5 of the Federal Trade Commission Act ; the Fair Debt Collection Practices Act ; and the Fair Credit Reporting Act, in the following ways. In XX/XX/XXXX I purchased a XXXX XXXX XXXX and CPS INC became my indirect loan servicer when they bought my loan from XXXX XXXX XXXX. XXXX XXXX in XXXX, XXXX My first payment was due in XX/XX/XXXX and it was made on time. It did not take too long from the beginning of the term of the loan for it to became a living nightmare. I do not have all dates and times however I do recall very vividly that once my loan got behind meaning '' less than 30 days and in some instances more than 30 days I was threatened that if I did not pay a certain dollar amount via XXXX XXXX XXXX pay for an additional charge ( {$12.00} ) that " they would come get my van '' so obviously I paid the said dollar amount and fee because I have kids and a job to get to. I was asked on more than one occasion to release the " where abouts '' and condition of my van. If it was '' behind a locked gate, in a car garage ect. I am almost certain that I was called from various phone numbers " departments '' within CPS INCXXXX because I had their main/public contact phone number stored in my contacts. I am sure they called me at my job as well however I am not going to state that as factual information. I know that at some point while I was making payments I was offered a deferred payment furthermore I was never asked to sign a loan modification agreement. Once I got really far behind due to job loss, I knew that by then that there was no way for me to catch up on the deficient amount. I know that on more than one occasion I simply asked the CPS INC. representative within the repossession department the intended date of repossession so that I could be prepared to have all my personal belongings out of it, however that date was never released and I did not know until the repossession company hooked up my van and them came to my door to let me know they were fixing to leave and in the event that I had any personal belongings in the van I could get them out or call CPS INC. to see how much I needed to pay in order for the repossession company to release my van from the truck it was hooked on. I had already gotten all belongings out at that point and I knew there was not way to pay the past due therefore I did not see any need to contact CPS INC. to inquire about the amount needed to avoid my van being repossessed because I knew there was no way I could even " put a dent '' on the balance owed. The following information I am going to disclose is only known to me due to the current active court case I am involved in with CPS INC. in XXXX County Court Case No. XXXX where I am the defendant. CPS INC. sent " Notice for plan to sell vehicle '' dated XX/XX/XXXX and then the " Explanation of calculation of surplus or deficiency '' dated XX/XX/XXXX once my van was sold at auction. I now have the " Sale Contract '' dated XXXX well as the " Expense Detail Sheet '' dated XX/XX/XXXX that I obtained while going back and forth in XXXX County Court. I feel that this lawsuit was brought forth in XXXX because I hired a credit repair agency called XXXX XXXX XXXX out of XXXX KY after being denied a mortgage and referred to this agency for help with my studnet loans XXXX. I know this debt was disputed however I was never given a copy of said dispute in XXXX and when I requested a copy of the dispute from XXXX XXXX XXXX in XX/XX/XXXX so that I could see what the dispute consisted of, the owner of XXXX XXXX XXXX. XXXX XXXX stated that there was no reason for me to have access to those dispute letters basically saying that they were out dated. I advised XXXX of the reasoning and he stated that he no longer has records from 2 years ago. Sometime in XX/XX/XXXX I called CPS INC. to obtain a copy of the explanation and calculation of the surplus or deficiency per XXXX and was questioned by the rep with CPS INC. where I was working and how my job loss is what prevented me from making payments and now that I have a job I can make the payments. I soon began receiving collection calls from CPS INC. This led me to look more closely at the updated credit reports from my records from 2 yrs ago and I have now found were this debt in reference to CPS INC. account number XXXX has been reported as follows ; charged off, closed and filed in a my chapter XXXX bankrucpty that was filed in XX/XX/XXXX and I did not obtain the van until XX/XX/XXXX. I would like to be able to see all the statements that CPS INC. sent me while I had the van in my possession to look more closely at the pay off balance, interest paid, principal paid and fees accessed to my account because the ledger I now have due to court case documents does not make a whole lot of since to me. My credit reports also show that this debt was never sold to a collection agency however it was listed as the above referenced status with the 3 CRA 's. The ledger which is attached shows multiple line postings, two {$12.00} posting inwhich I believe are in relation to the XXXX XXXX XXXX pay fees that I had to pay in order for them to not repossess my van, these can be seen on XX/XX/XXXX and XX/XX/XXXX line postings.
09/10/2018 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
  • FL
  • 33511
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Consumer Financial Protection Bureau PO Box XXXX XXXX XXXX, Iowa XXXX XX/XX/XXXX Hello sir or ma'am, I was advised by the legal office on base to contact you regarding Consumer Portfolio Services, a company located in XXXX, CA for an erroneous account they reported to the credit bureaus for 2 years, refusing to remove it without any justification. my rights being severely violated and both my wifes credit report and mine are damaged beyond any extensive & timely repair! We have been turned down for any application we have attempted since this issue and same rings true today. My wife and I have been trying to get our first VA loan, however, cant pass the credit as a direct result of this account that continues to report illegally on all 3 credit buries. Despite several disputes ( even with proof enclosed ), the Bureaus came back every time saying it was verified as accurate. The account they have been reporting was regarding a vehicle I attempted to purchase but the loan was denied by CPS for that vehicle and after just a few days of it being in my possession, the dealership told me the loan was not approved and that they were coming to retrieve the vehicle. I was forced to give up the vehicle but nonetheless, Consumer Portfolio Services decided not to remove the information from my report and my wifes. My wife never shouldve been on the loan to begin with and when I initially signed for the car ( during the pre-approval that became denied ) The dealership had me sign my wifes name on the documents. To be safe I brought it to 3 separate managers attentions without a response from any of them. CPS even tried obtaining money from this by taking to court and both times fa after I spent past two years victims a lied and case was dismissed. ( see attachments ). I have attached several documents to this file for the proof. You can read through and clearly see that I have been 100 % honest, however, CPS and the car dealership are caught in several bold faces lies. Heres an overview of what led up to this event and attached are a document ( proof ) that I have maintained and kept the record to provide you with proof of my innocence wrongdoing regarding this entire situation. I am asking for your help. On Friday, XX/XX/XXXX I found a vehicle online from a dealership who offered delivery services where I lived in GA. They said I could do everything online and after finding something I like that they would send a bunch of detailed pics to ensure, then it would be delivered to me along with any paperwork etc. I found a XXXX XXXX and that evening the car was delivered by 2 girls who didn't work for the dealership but ran deliveries for them occasionally. I immediately noticed that the seats were cracked and damaged. I called the dealers cell and he said that he would have someone pick the car up on Monday to repair and restore the seats. That same night is the only time I ever signed any paperwork. The drivers said they never had to do the paperwork before had something worked out with XXXX because something personal popped up and he left earlier that day. They told me to sign all the spots, even for my wife ( if you read the emails you will see where I mentioned this to the whole XXXX management staff ). After that night he avoided me for several days until eventually I wrote emails to the management and to make a long story short they came and picked up the car and at the point, the deal was done. A week or so later the dealerships financial manager XXXX called me and asked if I would still be interested in the vehicle if he repaired it for me, or if there were any other vehicles I was interested instead. Eventually, I agreed to reconsider the XXXX because he had the seats professionally cleaned and conditioned, so they looked much better. A day or 2 after that conversation XXXX called CPS back and got the deal worked out again. ( SO, HE SAID ) at this point, I had the car a week or more ( for the second time ) and a girl named XXXX kept calling me for items I needed to finalize the loan. Every day she would call me with something new " the bank needed ''. I asked several times why they still need documents if the loan was approved but never got a straight answer. Finally, the dealership called the next day and said I would be doing a " welcome interview '' with CPS. It seemed more like an interrogation than a welcome interview, but I was honest and when they asked about my rent I told the truth. Well, this set off all kinds of alarms because suddenly, the rent didn't match on the paperwork the dealership pushed through ... ... FUNNY BECAUSE THEY NEVER ASKED HOW MUCH MY RENT WAS UNTIL THIS POINT. After a few days of constant calls from both CPS and the Dealership about getting someone from the base housing to call and verify my rent ( even though the base said they will not make phone call, but would provide me a letter ) I told XXXX that I am simply not driving an hour to the base to get someone to call and verify because they had already told me no. I told him I would gladly have them fax a letter but that was not sufficient apparently. The last I heard from the Dealership or CPS was a day or 2 after the last email I provided. XXXX had called me and said that if I didn't have the base housing call him and CPS that he was coming to get the vehicle that day by XXXX XXXX. I told him fine and that the vehicle is in my office parking lot. That was the last I ever heard anything else until XX/XX/XXXX 2 months after being told they were claiming the vehicle and I was denied due to my monthly rent being too high. I DON'T KNOW HOW THIS IS POSSIBLE BECAUSE I EVEN HAVE A LETTER FROM THE COMPANY SAYING THE LOAN REQUEST WAS DENIED! ACTUALLY 2 LETTERS, ONE MAILED TO ME AND ONE TO MY WIFE! Now for the past 2 years, I've been charged on my wife and my credit reports as if we just never paid on the car, I STILL DON'T KNOW WHO HAS THE CAR TO THIS DAY. If you read all my attachments, you'll see how shady this all is!
09/21/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19116
Web
Dear Sir or Madam, 1. CNS PORT SVC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with CNS PORT SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments 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 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/09/2021 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
  • PA
  • 19116
Web
1. CNS PORT SVC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX. I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments 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 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 367XX
Web
Dear Sir or Madam, 1. CNS PORT SVC Account XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with CNS PORT SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments 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 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
06/25/2017 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07753
Web
I have an original debt by the following companies : XXXX XXXX XXXX Auto Loan $ 7000 year XX/XX/XXXX( after sold during auction ) XXXX $ 800 year 2014 XXXX XXXX $ 500 year XXXX I went through a medical issue which resulted no longer being able to function in the workplace, and as a consequence ending up applying for Social Security XXXX. Consumer Portfolio Recovery Services continuously would harrass me on a daily basis about the auto loan payments that were overdue, and requesting immediate payments. I would tell them I had no money, my house was about to go towards foreclosure and am having difficulty getting Social Security approved. I ended up going to Food banks to get grocery. They still insisted on payments even though I would explain my situation to them. They would even call my previous place of employment and family members. My old job told them to stop calling several times because i was no longer working. It continued. I ended up calling them to pick up the car because i could not make payments. I ened up dropping it off at the dealership so they would have no other choice but to get it, because they refused to pick up telling me it would be a " long process ''. The car was sold at auction for {$14000.00}. I was financing for {$21000.00} Interest fee were very high as you can see. Then XXXX XXXX continued harrassing me the same manner they had before because they wanted the remaining balance. I reassured them I had no money and was behind 7 months of mortgage. There simply was no money and I relied on family to help pay the utilities. The harrassment continued ( and still does ) to the point, that I simply did not pick up the phone any longer because all different numbers were being used to call me. I had a XXXX XXXX, was under XXXX care and did not want to relapse because of them. A year later once I felt a little better and being approve for XXXX, I checked my credit report. It showed as a charge off. on XX/XX/XXXX I called them asking what a charge off meant and was told I still had the debt. I decided to try to make a settlement arrangement and was told I would have to make at least {$300.00} a month for six months before I can even ask for a settlement reduction. Although I did not really know if I could do this, I unwillingly agreed to pay this. I asked them why was I paying more than what I was told years before and they spoke about interest fees etc. I had no clue what they were talking about. I said yes to start payments starting XX/XX/XXXX. They wanted immediate payment. I said that I could not do this because i had to pay my mortgage. They told me this could affect settling debt by waiting that long. I hunged up, did my budget and realized that I could not do this amount. I called to cancel agreement to pay monthly and that I will call back to see how I could figure it out. They told me again on how this could affect settling the debt and that if I call back later I would have to pay the {$10000.00} in full instead. A few days later I get an email from XXXX stating that XXXX XXXX XXXX has " updated '' my file and brought my credit score down 36 points. This is considering that they have had this since XXXX. This was in retaliation of my phone call asking to cancel the previous agreement to pay monthly. The same was done for two more accounts that were sold to them. These accounts were ones I had when I had the hardship mentioned above. The accounts were for : XXXX $ 880 year XXXX XXXX XXXX $ 500 year XXXX They were sold to XXXX XXXX XXXX. On my credit report at the same time as my auto loan. They wanted 96.40 a month for each and said that the amount due would also change because of the monthly payments. Something was just not right about how they were trying to collect these debts and I just could not understand why I had to pay more than the balance due. They wanted {$1100.00} for XXXX and {$580.00} for XXXX XXXX. I contacted my bank to cancel any withdrawals from my checking account for all three debts I have mentioned. Apparently, it 's a recovery fee added for new accounts. I was also told that the amount due increases every month it is not paid. I am requesting for you to investigate this. I feel that my rights have been violated. Payment Agreement XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX woman within XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX repo car As you can see, each debt represented has a different number. Same company. Also, my social security was used to look up each account. The credit report would not show full number and they '' could not find it '' if I did not give my social security number. I also have to mention that they started using my sister 's address on my credit report as if it was mine. The address was XXXX XXXX XXXX XXXX, N.J. XXXX as if it was my address in order to collect a debt. Mind you, I live at XXXX XXXX XXXX XXXX, N.J. XXXX for 6 years now. I could not understand how my sister 's address appeared on my credit report as if it was mine. I would go to the post office asking if a change of address was made in my name. there was n't. I finally got an answer from XXXX who informed me that XXXX XXXX was the one using my sister 's address and I had to contact them to correct this. This was another reason why I had to call them. They were placing false information on my credit report. The reason why I found out was that I tried to get an insurance card from XXXX through the mail and was n't getting any. It turned out they were sending it to my sister 's address and the mail was being returned. They also said that they get this information updated by the post office. Which was updated by XXXX XXXX XXXX. Bottom line, they were jeopardizing everything that had to do with my daily life including changing personal information. Please investigate the matter presented. Thank you in advance.
11/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • GA
  • 318XX
Web
On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used XXXX on the lot at XXXX XXXX XXXX XXXX. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX XXXX. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used XXXX. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used XXXX 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX XXXX ran this without my permission. It would seem that every bank that XXXX XXXX XXXX XXXX pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX XXXX and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX of XXXX XXXX. I will be happy to provide any and all information that you will need along with the contact information for my witness. I have now received a letter from XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX none of these places have I ever applied for a vehicle loan nor did anyone have permission to apply on my behalf. Further, the loan I had from XXXX was a joint loan with my husband and I informed XXXX of this and at not time would I apply for a vehicle loan without my husbands income and his name on everything. The attached letters are coming to me only and this further proves that at no time did anyone at XXXX of XXXX have permission to run my credit as I would not apply for a vehicle loan without my husband being included. I would not do business with any of the banks that have sent me a letter as I have been with XXXX for XXXX years and had an approved joint loan from then when I went car shopping. I would never buy a new car either.
11/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19116
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXXXXXX XXXX XXXX & {$13000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 76039
Web Servicemember
THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR CONSUMER PORTFOLIO SERVICES THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any XXXXreditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). CONSUMER PORTFOLIO SERVICES is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that CONSUMER PORTFOLIO SERVICES is the one responsible for removing this information from my credit report. As it currently stands XXXX nor CONSUMER PORTFOLIO SERVICES has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by CONSUMER PORTFOLIO SERVICES and are being reported by XXXX. Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.
03/01/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 17268
Web Servicemember
I took a loan out about a year ago with Consumer Portfolio. I missed a couple of payments prior to heading to boot camp in XX/XX/XXXX. I am a XXXX who did not have access to my account, cell phone, landline or emails while at boot camp. While at boot camp the Consumer Portfolio stated that they were going to repo my car and started calling around to family members. My car is co-owned with another family member. While at boot camp in XX/XX/XXXX ( XX/XX/XXXX ) my family member informed them that she was contacting them to discuss options in regards to the XXXX as I was XXXX XXXX military. The company informed my co-signer that they were going to repo my vehicle to which my co-signer stated that under SCRA they needed a court order to repo the car. The company stated that they ran my name back in XXXX and that I did not come up XXXX XXXX and that being in boot camp does not count as XXXX XXXX. My family contacted the company on XX/XX/XXXX and XX/XX/XXXX asking about SCRA and trying to get those protections for me. The company informed them that someone needed to make XXXX payment on the account or the account would be charged off. My family informed the company that they did not have access to my account and that once I graduated on XX/XX/XXXX they would have me contact them to make everything right. My family did not hear anything back and on XX/XX/XXXX Consumer Portfolio " charged off '' my account without any notice or court order. My family contacted Consumer Portfolio on XX/XX/XXXX to make them aware that I was out of boot camp and able to be contacted. My Aunt who is my POA also contacted the company in regards to updating my account. On XX/XX/XXXX I was finally contacted by XXXX XXXX and set up payments to make my account current. I paid XXXX back payments at that time. I was informed at that time that they could not take my account out of " charge off '' state even though I was XXXX XXXX and made XXXX payments. My Aunt who is my POA contacted Consumer Portfolio on XX/XX/XXXX informing them that the card that was used to set up my back payments was compromised and that I needed to set up my payment plan again but she wanted to make sure that the loan was going to be taken out of " charge off '' state. They informed her that they could not take it out of charge off and that once it went in it could not be removed and that it did not matter if I was XXXX XXXX or not. My XXXX asked to speak with a XXXX or someone who could discuss the SCRA. She was put on hold for an extended period of time before someone came on the line. She informed them that we wanted to exercise my SCRA rights and that we had been trying since the XXXX week of XX/XX/XXXX. They accessed my file and stated that they had not received my orders or proof of military service and that is why the account was " charged off ''. We were told to send the orders to XXXX and they would update my account to reflect XXXX XXXX. My XXXX specifically asked that once my orders were received if my account would be placed back in active status to which they confirmed. We also asked about 6 % interest cap as my loan is at 17 % interest. They informed us that the cap would be placed also. On XX/XX/XXXX we emailed a copy of my orders and asked to provide an update as to when the account would be active. On XX/XX/XXXX we sent an email asking for an update as we had not heard anything on the account. On XX/XX/XXXX we received an email stating that they needed additional information from us however it was too much and confusing to put in writing so they needed us to call them. My XXXX contacted the person on the email and he stated that the additional information they needed from us was the funding code associated with my military service and orders. My Aunt was not aware of what they were talking about and asked several times where that information could be found but was not given a specific answer. My XXXX looked through all my paperwork she had and the only other thing she could find other than my current orders were my original entry orders/papers. She sent that information back to XXXX XXXX on XX/XX/XXXX asking for confirmation that they received and when we could expect my loan to show active. On XX/XX/XXXX they contacted my XXXX to let her know that they were reviewing my paperwork. My XXXX emailed them back asking when the account would show active. At XXXX today ( XX/XX/XXXX ) the company called my XXXX to inform her that they were reviewing my paperwork but unfortunately they could not open the account back up as it was in " charge off '' and due to being in charge off status they could not update the interest rate to reflect the 6 % cap. The person that my XXXX has spoken with on several occasions keeps telling her that he was in training that he could not help out as he is new. She informed him that last week he stated the same thing and that he needed to have someone contact her that knows the SCRA regulations and could help. This company has violated my SCRA rights and refuses to make my account current and change my interest rate. They charged off my account without a court order, after we requested/informed them of my SCRA rights and are playing games about what information is needed. I am not trying to skip out on my debt I am trying to make it right, however this company is not trying to corporate. They keep denying my rights and protections
05/18/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • AZ
  • 85258
Web
On XX/XX/XXXX XXXX I woke up to my car not in my parking spot. I did not recieve any written notification indication that my car would be repossessed. Nor did I give permission for my information to be sold. I sent you all a 1099 A the 1099 c will be sent tomorrow via mail. I made payment arrangements with my account manager to lower my payments and get me caught up however after telling CPS I was insolvent they still repossesed my car. I would like to start by addressing 18 U.S. Code 8 - Obligation or other security of the United States all debts are to be defered to the United states. I would like to address this as a billing error dispute. I will be notifying Consumer Portfolio Services and all of its subsidiaries via mail of this dispute. 15 U.S. Code 1637 - Open end consumer credit plans, with this being violated along with many other CFR and USC laws such as 15 U.S. Code 1606 - Determination of annual percentage rate ; 15 U.S. Code 6803 - Disclosure of institution privacy policy ; 15 USC 1662b - Advertising of downpayments and installments. Pertaining to 15 U.S. Code 6802 ( b ) ( 1 ) - Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a non affiliated third party. I was not informed with a written notice saying CPS was going to give my information to.. 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices Consumer Portfolio Service Stole my car. I made pay It's illegal for a debt collector to repossess a car ; only the sheriff or deputy of court ( by showing you proof ) has the legal right to repossess a car. The repossession of my car was a violation. 15 usc 6802 talks about disclosure of information, I did not give anyone permission for my information to be disclosed to I did not get a clear and conspicuous written statement with an explanation about how my non-disclosure options could be exercised for opt-ing out of sharing my personal information from XXXX XXXX XXXX XXXX nor Consumer Portfolio Services , Inc. CPS still chose to report it on my credit report. 15 U.S.C. 1692d talk about the Harassing or Abusive Practices in which I was subject to from Consumer Portfolio Services, INC. Also pertaining to15 U.S.C . 1692c ( b ) Communications Connected with Debt Collection. The several times that CPS called me thereafter in reference to this is a violation and I demand XXXX $ for each phone call. False or Misleading Representations 15 U.S.C. 1692e, the fact that CPS is trying to collect a debt, and has called me several times referencing just that is illegal and I request remedy. According to 15 U.S. Code 6803 - Disclosure of institution privacy policy, as stated above My personal information was sold to a third party and that is a violation and I request remedy. According to 15 U.S. Code 1692j - Furnishing certain deceptive forms you are performing racketeering activity see 18 usc 1961 ( 1 ). Fair Trade Commission Act 16 a 1 - ( 1 ) Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Fair Trade Commission Act 5 a 1 says 1. Consumer Protection. Section 5 ( a ) of the FTC Act provides that unfair or deceptive acts or practices in or affecting commerce... are... declared unlawful. 15 U.S.C Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. This prohibition applies to all persons engaged in commerce, including banks. Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. '' The prohibition applies to all persons engaged in commerce, including banks. Pertaining to 15 U.S.C. 1692f Unfair Practices. Which can be cross referenced with 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. It was illegal for Consumer Portfolio Services, INC. to have sent XXXX to come and repo my car. There was no court order nor did I have a contract with the people who stole my car. I have a contract with cps not Consumer Portfolio Services, INC. stole my identity. Cps exposed my information to According to 15 usc 1605 - Finance charge - the sum of all charges is completely incorrect ; my insurance was not included nor was my warranty included in the sum of all charges.The finance charge was to also include my down payment which it did not because I paid XXXX $ out of pocket. Pertaining to 15 USC 1662b the Advertising of downpayments and installments is illegal. CPS set up a payment plan with me to get me caught up on late payments and my car was still repossessed. That is also considered illegal. According to the FDCPA these are all violations and because of these violations I would like to rescind my contract upon breaching. Pertaining to 12 CFR 1026.23 - Right of rescission.
04/19/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60643
Web Servicemember
This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : Consumer Portfolio Services This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.
07/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60175
Web
Name : XXXX XXXX RE : Consumer Portfolio Services Complaint : Inaccurate Credit Reporting/ Pulled 3 Hard Inquires UNAUTHORIZED Attachments- Documents that will be attached consist of the XXXX showing it how it should be, actual XXXX report that showed how it was reporting as of XX/XX/XXXX, and the online XXXX app images of how it is reporting differently with the lates in red now, and I have attached the BK Chapter XXXX filing from court doc Im writing this complaint because Im dealing with CPS, Consumer Portfolio Services , and I want to say off the bat that they are the worst predatory lender and collector in the entire nation. My attorney, who is also a part of other lawsuits with CPS, is also trying to handle this but told me to write you guys as well. First off, and I could not hit two different items when CFPB asked what the nature of the problem is ..and I hit credit reporting ), Consumer Portfolio, located in California, also fraudulently did THREE UNAUTHORIZED HARD CREDIT PULLS on my credit from XX/XX/XXXX-XX/XX/XXXX. These were literally immediately deleted from XXXX because CPS was afraid and did not argue this, because I have literally had zero contact with them since XX/XX/XXXX. I filed a BK Chapter XXXX in XX/XX/XXXX, and this car that I have with them was DISCHARGED in the BK ( bankruptcy ). This account is actually showing as closed/ discharged chapter XXXX BK on Equifax and is actually deleted on XXXX because I disputed that reporting as well. What is happening now is that CPS has actually CHANGED the reporting totally to now all lates since that time and not showing that it is closed/ BK Chap. XXXX ) like it should be, and for that I am trying to get this deleted for falsely reporting this. They will tell you something different like they keep lying to the XXXX people, but all you need to do is see my BK paperwork and you will see that I had a BK from XX/XX/XXXX, and this car is supposed to be on it like it is through the courts. I encourage you to research this company, and you will see the thousands of lawsuits that they have pending, and the many others that they have already lost for so many unethical practices. The whole entire state of Wisconsin filed a class-action lawsuit against them, and my attorney said that her office has numerous cases as well with them for the same thing. The bottom line is that this account should be totally deleted because of inaccurate reporting. They fraudulently pulled three hard credit pulls unauthorized as I stated before, and that is just more information that shows you how unethical they are and that they literally will do anything to hound and agitate previous customers. They are just trying to ruin my credit that I have worked so hard to keep good and clean. I am please asking somebody with your agency to do the research and look into all the wrong doings they have committed. They will lie to you, so you contacting them to get information from them will just be that of lies and distorted information. I have all the proof you will need, and Im going to attach the court doc showing my BK that was officially closed XX/XX/XXXX, but the FILING OF THE BK CHAP. XXXX was actually done in OXX/XX/XXXX. Please, I am begging somebody to look into them and you will see all the horrible things they have done and continue to get away with. It would not surprise me if you have not heard of them. Im really needing this off my report, because the lates that are beyond wrong and inaccurate, are reporting as of now and current, and I have had zero contact with them for at least 5-6 years. Im asking you to please have them provide proof that I have, and ask them when I authorized the hard credit pulls. They wont have anything because I have had zero contact with them. The part that makes me most upset is they took this account and took it out of BK Chap XXXX / closed and changed it to the charge off/ LATES just because I was trying to delete this information. I didnt even dispute the BK, I was disputing it so it could just fall off because of the fact that its nearly been 7 years, and they update file saying that its totally different than what it was previously reporting and it crushed my credit score and looks so bad. I have kids and Im trying to get a new place and car, and I just want them to do what is right and just. This obviously, is too difficult for them and they are not at all known for doing the right thing. Im not talking morally speaking, either. They just do what they want to do and disregard all laws and rules. Im really asking that this be taken seriously so I can move forward in my life and CPS stay out of my life like they have been, there is no need for them to be doing this to me.
01/10/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 89141
Web
In XX/XX/XXXX, I took out an Auto loan in the amount of {$10000.00} while I was in college. Through college my job schedule changed repeatedly as I pushed through internships and classes to get completed. I fell behind making payments which was all on me. Upon graduating, I moved out of state to start my career job, but at that point there was not enough time to catch up and the car was repossessed. Following the repossession, I made contact with the collection department to reach a settlement. In XX/XX/XXXX, a settlement verbal agreement was reached in the amount of {$3000.00} over 3 months of payments and my debit card was provided. The first payment was made and processed on XX/XX/XXXX for : {$1000.00}. The second payment was made and processed XX/XX/XXXX for : {$1000.00}. The third final payment was setup for XX/XX/XXXX, but the payment was never withdrawn. I contacted the collection department on XX/XX/XXXX to inquire, but was informed everything was fine and the withdraw will take a couple of days. The payment of XX/XX/XXXX was never withdrawn, so I took a screen shot of my available balance on XX/XX/XXXX showing 2 deposits in the amount of {$1900.00}, but they never requested a bank statement for back up. On XX/XX/XXXX, my bank flagged my account for fraud for what they report as suspicious activity and withdraw attempts. On XX/XX/XXXX a payment was made for {$310.00} using temporary debit card via online portal ( maximum limit for temporary card ). On XX/XX/XXXX, this must have triggered them ; I received a call from the collection department questioning why the third XX/XX/XXXX payment was not received. I informed them that the payment was never taken from my account. They requested a payment be made immediately and that is when I informed them of the fraud on my account. I told them I could provide a letter from my bank verifying the fraudulent activity. They did not request a letter, but began to question my integrity and whether or not the funds were available. I informed them of my past conversations and my follow up, but they still demanded payment be made immediately. Between the fraudulent activity on my account, their rude and threatening attitude, I did not feel comfortable providing my direct bank information to provide another payment. On XX/XX/XXXX, I received my new visa debit card and I made the final of {$700.00} which was processed via their online portal. The payment on XX/XX/XXXX must have triggered them again as I received a call on XX/XX/XXXX stating they had received the payment, but the settlement for not valid due to missing the XX/XX/XXXX payment. They informed me by balance is {$2600.00} or for a one-time payment of {$1400.00}. I attempted to explain past correspondences, but was cut off and put on hold to look up information. They kept circling back that I did not adhere to the agreement previously made and a new settlement was made. They stated there is nothing they could do unless I wanted to settle. I informed them that I am no longer willing to make any future payments. XX/XX/XXXX, I submitted a cease and desist request form via their online portal. On XX/XX/XXXX, received a call from a collection agent attempting to setup another settlement. I informed the agent of past correspondences, but they agent did not offer any solutions other than settlement attempts. I informed the agent that I do not want to proceed with any type of payment and do not want to be contacted further. To this day I still receive about 1-2 phone calls each month, but I do not answer. Over the past years they have called my references, my place of employment attempting to contact me. In total, I have paid {$14000.00} and the original loan was for {$10000.00}. This does not include the sale of the repossessed vehicle. Being young and not understanding the system I wish I would have received a settlement agreement in writing prior to making payment. The amount of pressure they put on you to pay today or else is what forced my hand. I requested multiple times the phone records for them to reference past conversations with no avail. I completely understand and take responsibility that I fell behind on payments. However, I believe I have more than compensated this agency.
08/04/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • PA
  • 170XX
Web
I first want to say that I KNOW my payment history with Consumer Portfolio is spotty. When I got this loan in XX/XX/XXXX I never imagined I'd get XXXX and suffer long term XXXX and XXXX XXXX that would leave me in the hospital for weeks at a time. That being said, I find myself XXXX days past due on my loan. My last payment was XX/XX/XXXX and that was to cover XXXX 's payment. Which confused me because I was told in XXXX they'd work with me to skip XXXX 's payment but then in XXXX I was told I had until the XXXX to make XXXX 's payment. Now I'm due for XXXX, XXXX, and coming up on XXXX. I've been in the hospital for several weeks. I tried making payment with my debit card and it kept getting declined, until I eventually figured out it was because it is expired. A new one was mailed to me, but since I'm in the hospital, I can not get to it. My father, who normally helps me, passed away last month. So I'm on my own until my sister gets into town on XX/XX/XXXX to help me. I have tried setting up payment arrangements but they've been made under the assumption I'll be out of the hospital and able to get to the bank to take cash out, or get my mail at home and have my bank card. Neither of those things have happened. I was close to getting out but was set back by XXXX telling me they wouldn't commit a comment to live chat about loss prevention ( which seems shady that they don't want record of what is said ) and that they have to actually talk to me. I was desperate and they were insistent that they didn't care if I had a XXXXXXXX XXXX XXXX XXXX So I had a nurse pull the XXXX so I could speak to XXXX since they would only speak over the phone at that time. That XXXX XXXX speaking, and the replacement massively set my recovery back. That day I tried to make an ACH payment but I was so hopped up on the pain killers they had to give me for the tube removal/replacement process, that I typed my savings account numbers instead of checking and the amount was returned. After it was returned I tried to set something up again, in hopes that I'd be out of the hospital but because of that tube process, I'm still here. Yesterday I all but begged them to give me until XX/XX/XXXX to make XXXX. The rep I spoke to agreed and said she placed a hold on my account until XX/XX/XXXX. Which gives my sister time to get here and get me my mail, or get to the bank for me. This morning I got a very tersley worded email and when I got back on live chat I was told that my arrangement was cancelled. No notice. Just canceled. Even though the rep yesterday said arrangements aren't reviewed unless your XXXX days late. I'm XXXX today. Had I not asked I would have been blindsided by returning home from the hospital to no car. Every email XXXX sends it says to reach out to make an arrangement but they will accept no arrangement. And when I reply to the emails I get ignored. They only want phone calls it seems and I CAN NOT take this tube out again. I told XXXX I am looking at having to file bankruptcy and that is insane considering 1 ) the money is in my bank I just need my sister to get to it for me and XXXX. ) My dad passed away and left me more than enough money to pay off the loan. Which is what I plan on doing when the estate check reaches me by the end of the month. XXXX would rather I file bankruptcy and have my loan crammed down ( since it is over XXXX days old ) to where I only have to pay what it is worth, not what I owe. I owe XXXX. The car is a XXXX with XXXX miles and some cosmetic damage, it is worth a lot less. You'd think they would work with me to get the full amount, not less than half. While I understand the payment history I can't exactly help the long term health issues I've suffered and thay my hospitalizations are inconvenient to them. They loaned at predatory rates ( over 20 % ) during a worldwide pandemic and don't seem to care a fig about their customers. I'm simply asking that they set an arrangement for XX/XX/XXXX so my car is not repossessed and then I'll have it paid off entirely before my XXXX payment is even due. They also say they helped " XXXX times '' with extensions or modifications but its never actually a modification. Its just allowing you to pay double the following month.
01/26/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • VA
  • 23831
Web
I went in XX/XX/XXXX and after being in a chapter XXXX bankrucpy discharged, I went to a company in XXXX XXXX Va. called XXXX XXXX and they put me in a XXXX XXXX XXXX with {$1500.00} down thur XXXX XXXX XXXX XXXX and my 1st payment was due XX/XX/XXXX of {$360.00} a month. Ok I was making my payments and than I had got in a situation and I called them that I was going be late on my payment, I cant remember the month off head, but they said it was fine and I paid it, my loan was like {$11000.00} and some dollars for the car which I know over priced. Ok, getting to recent situation in XX/XX/XXXX I had to put in the hospital for XXXX XXXX and I was out of work for some weeks that cause me to get behind in bills, so I still was making my payment, so I had to moved out the house I was renting in XX/XX/XXXX, found another place thank god, and moved in. So, I made my payments up to XX/XX/XXXX and it was getting rough because trying to play catch on bills from moving, so I called them and explained my situation and that I could n't afford the car any more could they lower my payments or they could just come get the car, I have talked to so many different representatives right up to this day of XX/XX/XXXX, they are rude and nasty, they said they cant lower the payments, and I asked could they refinance the car they said no. So, I still get calls everyday, at one point I stop answering the calls, then all these different people would leave messages saying they where account managers to my account. I explained to them I know the result of them if they come get the car they said they would auction the car off and what they do n't get for the car I would have to pay. I am tied of being stress from this company, i even just talked to a lady yesterday that said she was handling my account and said they can help and what could they do, so I said I can come up with a payment on XX/XX/XXXX, she said well I am sorry XX/XX/XXXX the account will be turned over to Recovery for Repossession. so I said ok, just let me know when you all coming to get the car so I can have my things off it and out of it. So, than today someone name XXXX called me being nasty and rude and I explained to him I just spoked with the lady yesterday that says she was handling my account so why was he calling, he got rude and said that her supervisor told him to call me to see if he could help me, so I asked him did he read the notes I already told the lady yesterday, that I could pay a payment on XXXX, he than said loudly well I was going help you but since you say you not going have the money until than I can not help you, and talking over me loudly, so I said I know you all say the lines are recorded, so he still was being nasty, so I said good night sir and hung up. I am so over this company its a nightmare. they lie and than it never seems like the loan every goes down and my credit score never went up at all while I have been in the car and when I was making payments, I need to know what can be done to this company and help me get them to go ahead and get there car if they can lower the payments or except the payment XXXX. Than yesterday I get a call from my landlord, which my landlord name or number is not on my application of reference because I was not living at this address when I got this car, My landlord said she got a call from Consumer Portfolio Services wanting information about me and telling her my business and she informed them that was not her place to give my information and how they get her number, I do not appreciate what they did, thats not right when they already have my address, know where the car is because when I moved to this address I gave it to them. So, my landlord said that the respresentive stated she would email my information to her, thats personal. This company has went to far and some needs to be done. I been told them they can have the car because I can not afford it, they acting like I stole the car.
09/13/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 91711
Web
Since the start of my loan, which was opened in XXXX of 2014, Consumer Portfolio Services ( CPS ) exhibited poor business practices from the onset of this relationship. In the process of applying for the loan, I provided my current landlord 's contact information so she could be contacted as a reference. Although they said they contacted her, they did not. My landlord had to contact CPS to verify herself as a reference. The burden to verify my application info should n't have fallen on me- the applicant! After the loan was approved, the loan documents were mailed to the wrong address. To date, I have not received a single statement by mail - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This is the same address used on the original application.This finance company has been unresponsive to my attempts to retrieve my statements. To make matters worse, they do not update the website with current billing statements. They are extremely unprofessional and non-responsive to issues that I have brought to their attention. These issues range from being provided with updated statements online or by mail, or receiving a copy via email or fax ( to removing erroneous derogatory remarks from my credit which include late payments of 30 and 60 days and even a repossession! I 'm not sure how the vehicle could be repossessed when I have always been current with my payments have the vehicle in my possession. Each time I call CPS, I get a rude and unprofessional, who refuses to disclose his name for " security '' purposes. I am then transferred to XXXX of XXXX supervisors XXXX XXXX or or XXXX XXXX who never resolve the issue and transfer me to a manager by the name of XXXX XXXX who also never returns calls or emails. I sent several emails to XXXX and XXXX and have yet to receive a response. For over 2 months I 've consistently attempted to communicate by phone and email to resolve the errors on my account as well as obtain all records of my statements and loan documents to no avail.I mail my car payment a week in advance each and every month since the birth of the loan, yet, it takes anywhere from 2-3 weeks to post to my account! CPS also leads you to believe that there is an online payment option, but there is not. Their website has a dedicated link to XXXX XXXX, XXXX XXXX and then a dedicated link titled " make online payment '', which just sends you to XXXX XXXX each payment carries a {$12.00} fee, adding up to {$140.00} a year in extra fees just for my payment to be posted in a timely manner. They also claim to have an option for payments to be automatically deducted each month at no charge, but there is no way to sign up for this payment option online. When I called into their XXXX number, their Customer Service Rep promised that I would receive a text message that would allow me to sign up for this feature. After checking with my phone carrier to ensure no block inhibited the receipt of the alleged text, I called CSR at CPS who then assured I would receive an email- that did not happen either. Several months have passed and I have yet to receive correspondence-either written or verbal from CPS about setting up reoccurring payments, receiving statements by mail, receiving copies of my statements by fax or email, or even retaining my statement for the current months online. This company 's shady practices and erroneous reporting have jeopardized my account and my overall credit. Their personnel from the top down and bottom up are unresponsive, incompetent and poor note takers. I am currently seeking legal advice to shop a class action lawsuit to address these unethical business practices of not keeping statements up to date on the net, not mailing statements at all, not honoring a request for a copy of a current statement, delayed posting of payments, false and erroneous reporting on credit reports, falsifying ( see attached )
07/20/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • CA
  • 95687
Web
I recently went to a dealership and was discriminated against, and denied an extension of my credit as the dealership initiated transactions and I was given no benefit, but to be a as precise as possible I will send the letter I sent to them. Explaining precisely what was done. During the time of the transaction at the dealership when the credit extension was initiated, I informed them of my knowledge of the laws and how the consumer credit transaction is supposed to take place and the general manager should clear indication of agreement and then Mocked me out of the dealership refusing to comply and inform the banks of my consumer rights and laws. Purposely he refused to follow through after running my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is what occurred and also the letter that was sent to them. In Pursuance of 15 usc 1602 L the term credit card was used to initiate a consumer credit transaction. The term credit card means any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor or services on credit. I am also the cardholder and holder in due course. So in pursuance of 15 usc 1602n I am the one who came in with the credit card to initiate the transaction, it is not possible to get denied with something I came in with. The term adverse action never mentions anything to do with the consumer getting denied credit because it is impossible to get denied in something that Im granting to your corporation, the right to extend credit. So in pursuance of 15 usc 1602 the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt and defer its payments. Credit is my right and Im the one who regularly extends credits in the connection with loans in pursuance of 15 usc 1602G. I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agency is voluntary. This is a private transaction and this an unfavorable situation to me the consumer. No where in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. So as an original creditor it is not lawful to be denied my right to grant credit, furthermore my credit was used and I received no benefit from the use of my credit. An inquire popped up on my consumer report which is a receipt of the transaction meaning someone got paid off my credit and I received no benefit at all. In fact damages were done to the denial of my rights mentally and financially. As used in section 1643 of the title the means of a credit card by a person other than that, The cardholder who does not have actual implied or apparent authority or such use from the cardholder which receives no benefit. Ive been discriminated against as there are no federal laws that state a credit score can deny me my right to extend credit. Ive, in good faith exercised my right, and I, the natural person, have been discriminated against in pursuance of 15 usc 1691. So it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation, as I take my consumer report and life seriously, I will take this to a federal level if my request to open the account in which adverse action has taken place is not met. Im aware of my open end credit plan my right to contract unlimited without being denied. I demand your company reinvestigate this matter, abide by federal law and open up the accounts in which Ive extended credit.
08/29/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • HI
  • 96818
Web
On XXXX/XXXX/15 I put {$500.00} down at a dealership, XXXX XXXX XXXX, to purchase a XXXX. I met with a sales person, provided 6 months of paystubs from my employer as of XXXX/XXXX/15, latest being XXXX/XXXX/15, personal and professional references, and was approved for financing by CPS, I then retained auto coverage on the car through XXXX according to CPS terms and requirements. After two hours, on the same day, XXXX/XXXX/15, I then drove away in my new vehicle. The first payment due date was reportedly due 45 days from XXXX/XXXX/15. I received a welcome call from CPS about 3 days after purchase, provided proof of my residence via email as requested. Then, on XXXX/XXXX/15, I receive a call from the dealership general sales manager, XXXX, stating to return the car as CPS 'decided ' not fund the loan. CPS is Consumer Portfolio Services, and I 've uploaded the contracts for your review. I questioned what was going on, how can this happen after 31 days, the fact when I have a signed contract of auto purchase agreement and related documents. XXXX stated that CPS " said '' my employer " said '' I quit a week, non specific dates, prior to XXXX/XXXX/15. This is a false statement. XXXX just maintained that CPS now has decided not to accept my previously approved loan. I then felt it was necessary to check my credit to see if CPS made an inquiry on XXXX, and they did, additionally, the dealership itself did twice on XXXX/XXXX/15, XXXX/XXXX/15, plus XXXX other auto lender entries whom will remain unnamed. Throughout the past month, I have received XXXX denial letters from " other '' banks, but not CPS. I then questioned why the dealership pulled my credit XXXX, on different dates, in addition to CPS the listed lien holder on agreement, and why then have I not received written notification from CPS of denial. It 's been 31 days since initial purchase date, and the lien holder is now just 'deciding ' to deny my loan, and take back the car I 've had for the past month and insured. On the date of purchase, my position was represented truthfully, and I provided all required documentation which I was asked for and I was approved and purchase agreement signed. To date, I have no proof of denial from CPS, no proof to support claims from dealership of CPS ' position, and I do not believe the dealership can do this or the bank after a legal agreement of acceptance has been made. I have not breached the agreement or terms thus how can the lien holder just decide, after already approving, an auto purchase a month plus later. My credit is now affected with XXXX hard entries and I will not be able to get another car, nor will I have a way to transport myself, family, etc., and I 've paid for insurance two months now, plus the {$500.00} I put down. I went on the CPS website and found they are a debt collection agency, which the FTC recently found their practices in violation. I do n't believe this can happen technically, plus the now degraded credit score, due to the dealership who does not provide lending, makes hard inquiries on my credit file in addition to the XXXX lenders they shopped, and I feel the dealership is in violation and should not have pulled my credit XXXX when they are not funding the auto loan, I expected inquiries from banks, but this. I have verifiable income from XXXX sources, my income is actually higher now than it was, on the initial date of acceptance XXXX/XXXX/15. This is seemingly very wrong for consumer lending practices and in bad faith of the dealership practices.
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77096
Web
To Whom It May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following company ( s ) have reported charge off ( s ) on my consumer report : Consumer Portfolio Services ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the IRS, when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and has declared it as a loss for tax purposes. When a creditor charges off a debt, they're required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may owe taxes on the charged-off amount, even though I didn't receive any money from the creditor. Let me be clear, the charge off ( s ) on my consumer report is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these late payment ( s ) without any further delay! I would like to remind you that the consumer la w ( s ) cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow. 15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsec tion of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report. 15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option. 15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report. It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress. I demand that you take immediate action and rectify this issue promptly. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. I trust that you will take this matter seriously and resolve it immediately.
04/01/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 710XX
Web
My name is XXXX XXXX and Im writing this letter on behalf of myself and my husband XXXX XXXX in regards to a purchase made with a company. My husband & I purchased a vehicle, a XXXX XXXX XXXX, from XXXX XXXX XXXX located at XXXX XXXX, XXXX, La XXXX on XX/XX/XXXX. The salesman that sold us the vehicle name is XXXX XXXX. I met XXXX at my job because he had recently sold my coworker her truck. He came to my job in the XXXX XXXX to check and see how my coworker liked her new truck. Of course with him being a salesman he asked if I was looking for a vehicle. I told him that my husband was trying to find him a work truck and Mr. XXXX suggested that I take a look at the XXXX XXXX he was in. I stepped outside to look at the truck and I contacted my husband to see what he thought about the truck. My husband said he was interested in it and Mr. XXXX then proceeded to get our information to start the process on purchasing the truck. Mr. XXXX called me while I was at work and told me we were approved and that we had to put {$500.00} down to get the vehicle. I informed him that I would have to make arrangements to get the vehicle due to me living in XXXX, La. He then agreed to drive the truck to my house in which someone was going to follow us in another vehicle to bring him back to XXXX. My husband and I signed the paperwork in our home. We never once stepped foot on the dealership not even to speak with a finance person. He told us that the truck was financed with the bank XXXX XXXX and we could call and pay over the phone. Were young, had just made a year of being married and were excited to be making our first purchase together. With us never purchasing a vehicle before Ill admit that there were a lot of mistakes we made. One mistake was us not even going to the car dealership. The other was NOT speaking to a finance person at all before making the purchase. Two weeks later my husband called the bank to pay the note being that it was due XX/XX/XXXX and he was informed that we didnt have anything with that company. We then found out that the vehicle was financed through Consumer Portfolio. Well also within those two weeks after getting the truck it stopped running. After getting multiple people to look at it we discovered that the fuel pump had went out in it. We made the decision to return the truck back to the dealership. My father and husband had to load the truck on a trailer due to the fact that it was not running so it could be returned back to the dealership. Once they got there they tried to refuse receiving the truck. My father and husband explained to them that we did not have the truck long enough to even make the first payment before it stopped running. My father also mentioned that he didnt think the proper procedure was taken in selling us the vehicle due to us never meeting with an actual finance person so that the financing on the truck could be explained to us. The vehicle was left at the dealership but Consumer Portfolio is still trying to get us to pay for the vehicle. This has affected our credit tremendously and I would like for it to be removed. I have been told that the truck was sent to an auction and was sold. I do not feel we are responsible for paying the remaining balance on the vehicle due to the fact that it was returned before the first note was due, no payment was ever made and it has been sold to someone else.
02/01/2019 No
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 96002
Web
Payment recording practices do not correctly allocate funds and payments applied. Balance is at least $ 6k higher than what it should be if loan was correctly amortized, even at 18.45 % interest. XXXX : CPS is NOT correctly applying the payments to my account and is currently reflecting a balance nearly double that of a correctly amortized loan under identical terms. Request : Looking to have the account reconciled and payments applied accordingly. Other complaints : https : XXXX Loan details : 1 ) Loan through CPS was granted on XX/XX/XXXX ( Loan # XXXX ) 2 ) Terms are 18.45 % interest over 72 months with original balance of {$27000.00}. Current balance is {$21000.00} with 40 payments made. 3 ) Account is in good standing with one 30 day late payment over the last 52 months. 4 ) Contract established was written to terminate on XX/XX/XXXX with a XXXX balance. 5 ) After recently reviewing my payment history on CPS ' website, maturity date now reflects XX/XX/XXXX. 6 ) From the very first payment, 100 % of my payment, or the majority of the payment ( s ) thereof, have been applied to interest. To put this in perspective, I have made 39 payments at or above the minimum required and those payments were applied as follows : Payments submitted : {$24000.00} ( 39 payments averaging {$630.00} against minimum payment of {$620.00} ) Funds allocated to interest : {$19000.00} ( 78.75 % ) Funds allocated to principal : {$5100.00} ( 20.70 % ) 7 ) I authorized five payments to be rolled to the end of the loan during a period of medical leave and XXXX XXXX. CPS unilaterally extended the loan another 12 months. 8 ) Given the poor accounting and financial practices and considering the incorrect allocations of payments, this loan has no possibility of being paid off by the new contractual expiration of the loan of XX/XX/XXXX. 10 ) I unsuccessfully attempted to contact CPS on XX/XX/XXXX. 11 ) Successfully contacted CPS on XX/XX/XXXX and they committed to auditing my account. 12 ) Filed complaint with XXXX : https : XXXX 13 ) CPS responded stating that this is the correct way to amortize a simple interest loan. 14 ) Based on the audit provided by CPS, it merely shows the payments that were made and " Interest carry over. '' 15 ) Loan was funded on XX/XX/XXXX. I attempted to make a payment in XX/XX/XXXX and was told I couldn't because of missing paperwork. When the loan paperwork arrived, I made a payment on XX/XX/XXXX, against a due date of XX/XX/XXXX. All funds were applied to interest and there was no grace period on the payment. This is the beginning of the late fee problems. 16 ) On XX/XX/XXXX, the day following CPS ' response to my XXXX complaint, I received a call from CPS threatening to repossess my vehicle and force immediate repayment of the five payments that were sent to the rear of the loan. This call was made to my employer 's number of record, not my personal contact information and was the first and only call of this nature. Given that I am current and have never heard from CPS prior to the complaint I initiated, I believe this was a retaliatory response. 17 ) Not only am I being charged a late fee without a grace period, I am paying what appears to be compound interest. These practices do not appear to be in accordance with GAP. 18 ) 78.75 % of my payments have been applied to INTEREST.
09/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30680
Web
Over the past three months servicer of the loan has delayed posting of payments. I have had many calls from this company stating that payment was not received only to find out after a new payment was sent that the check was cashed. In XXXX of this year I was told that a payment that was sent was not received by my loan servicer. I stated the payment was mailed to them in late XXXX so they should have the payment by now. I was told that it could take a day or two for the payment to post to my account. A few days later I was called again and told that the payment has not yet posted to my account and that I was now late. I then sent in a payment to not only cover this payment but the current months payment as well. Two days later I was notified by my bank that the first payment cleared my account. After the first check cleared I then put a stop payment on the second check. I informed the company that a new payment for the current month would be sent and a stop payment would be placed on the second check with my bank. Two days later an attempt was made to cash the second check. I was able to contact my bank to have this payment stopped. I was told by my bank that the reason why the second check posted to my account was due to the company not posting the e-check based on the check number listed in my original stop payment. The company left off the first 4 digits of the check and only used the last 2 numbers of the check number to process the payment. Then a few days later I received a letter from the company stating I owed them a return check fee and late payment fees. I contacted the company again and informed them not only was I not paying these fees but I was owed {$25.00} for the stop payment fee placed on the second check. No other communication occurred between the company and myself over this certain issue. The new payment to cover the amount that was still unpaid was sent to them via priority mail and received by the company on XX/XX/XXXX. I now have received calls stating that the payment was not received but then this changed to the payment was received but was returned NSF as of XX/XX/XXXX. I told the company that I was not aware of the non payment of the second check. That I would contact my bank to verify this issue. In contacting my bank I was told there was enough funds to cover the amount still unpaid and that there was no evidence of any return items on my account. I contact the company again and told them this. The representative I spoke to could not respond to why the check was returned as NSF or provide me with any other information showing an attempt was made to process this payment. The only thing I was told is that I am now required to make my payments electronically. Which I refuse to do since I have had my banking information compromised on more than one occasion with others companies but I must as the company is now threatening to repossess my car unless I pay them now. So now I have to place another stop payment on a check and allow my account to be drafted, one time only I am told, to have a vehicle for my family. I think this company ( Consumer Portfolio Services ) is doing this and forcing me and their other customers to only pay via electronic methods. They are doing this in an attempt to lessen their overall cost and force customers to comply to what is best for them.
11/03/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • NV
  • 89148
Web
In XX/XX/XXXX, I secured an auto loan through Consumer Portfolio Services. The original amount financed was {$24000.00} with a maturity date of XXXX. I have, to-date, paid a total of {$30000.00} directly to Consumer Portfolio Services ( excluding a {$12.00} required fee each time I submit for a payment to be processed ). As of XX/XX/XXXX Consumer Portfolio Services is stating that I have an outstanding overall balance of {$21000.00}. So out of the {$30000.00} in payments I have made, only {$2900.00} have been applied to 'Principal Paid ' which are identified on the following dates : XX/XX/XXXX - {$620.00} payment / {$100.00} applied to principal XX/XX/XXXX - {$620.00} payment / {$240.00} applied to principal XX/XX/XXXX - {$620.00} payment / {$100.00} applied to principal XX/XX/XXXX - {$620.00} payment / {$200.00} applied to principal XX/XX/XXXX - {$620.00} payment / {$160.00} applied to principal XX/XX/XXXX - {$620.00} payment / {$200.00} applied to principal XX/XX/XXXX - {$620.00} payment / {$160.00} applied to principal XX/XX/XXXX - {$620.00} payment / {$130.00} applied to principal XX/XX/XXXX - {$620.00} payment / {$220.00} applied to principal XX/XX/XXXX - {$630.00} payment / {$170.00} applied to principal XX/XX/XXXX - {$630.00} payment / {$210.00} applied to principal XX/XX/XXXX - {$630.00} payment / {$200.00} applied to principal XX/XX/XXXX - {$640.00} payment / {$190.00} applied to principal XX/XX/XXXX - {$630.00} payment / {$180.00} applied to principal XX/XX/XXXX - {$630.00} payment / {$240.00} applied to principal Since XXXX, none of the payments in which I made were applied to the principal balance. The difference in payment to principal applied ( from above ), as well as, all other payments made ranging from XXXX/XXXX/XXXX to XX/XX/XXXX have been applied to 'Interest ' ( as shown and detailed in the attached ). The attached details are also evidence that fees owed are being misrepresented, and that fees or other amounts have been improperly assessed and collected. Upon asking Consumer Portfolio Services, I have been advised that any late payment goes to 'fees ' ( that were not disclosed to me ) and that payments are applied to interest only as a result of that. In addition, I have been repeatedly called and harassed ( even after communicating and scheduling next payments ) on my personal cell phone. I have also been accused of lying with regard to my place of employment, after being made aware that Consumer Portfolio Services attempted to call my place of employment ( when they were not permitted to do so ) and they were indeed misinformed due to the fact that they called incorrect information ( collected from a source unbeknownst to me ). Consumer Portfolio Services has also repeatedly called and harassed third parties ; friends and families who have called and let me know they are looking for me. Given the amount financed, total payments paid to-date, and actions of Consumer Portfolio Services it is evident that they are in multiple violations of the Fair Debt Collection Practices Act. I have cooperated and obliged by the terms of my contract, paying above and beyond the amount financed. At this point, I am a victim of Predatory Lending and will take any and all actions necessary to ensure I am no longer a victim and that fair practices are abided by.
09/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 988XX
Web
I have a hard inquiry on my credit report from consumer porfolio services. I never authorized this company to run a credit check or report. I spoke with a dispute representative and he wanted to verify my social security number and full name. I let him know I was not comfortable giving my social security number as credit reports and social security number have a fraud alert on them and I never applied for or authorized anyone apply for their services. I asked why he could not verify my information with out my social security number. Representative said he can only verify me and verify company that did submit the application by by name and social security number. I did give this information so I coyld find out where this application came from consumer portfolio services said they received again with my authorization. I was given the name of an auto dealership that I had not been to nor have I spoken with anyone at this dealership. I did let Representative know i did not ever authorize tgis dealership to run my credit report and told him that this dealership did call me and leave a voice message several days ago but i never spoke with them and did not consent an application be sent to any lenders. Representative said that I needed to contact dealership and ask them to send a letter of deletion to Consumer portfolio services stating I did not apply at there company. I asked why I had to do this and why after identifying myself and stating to him I never authorized Consumer portfolio services or the dealership to run my credit report for an auto loan and ask for this to be removed and reported to credit bureaus that I did not authorize this. Representative said they need proof from dealership? I expalined that I am the party that is reporting to your company I never authorized this and ask for this to be removed immediately. Representative refused to note this and report back to credit bureaus this information I I stated to him. He said it doesn't matter if I tell him I did not authorize he would need a letter stating this from this dealership. This is fraud and I as the person reporting this to Consumer portfolio services who made a hard inquiry on my credit report without my consent. This is illegal as my rights as a consumer I should not have to do anything thing else other then reporting this information to Consumer portfolio services who did not have consent. I was advised by credit bureaus to report this to the company who made the hard inquiry and they need to remove this as it is considered fraud as consumer portfolio services did not have my consent. Credit bureau did say if I feel this is fraud after speaking with this company to contact them today and file a fraudulently inquiry. Credit bureau said that I only would need to contact consumer portfolio services and report I did not consent and consumer portfolio services would have a legal obligation to remove this from my report. I will send a certified letter stating the facts to Consumer portfolio services as well as credit bureaus and if this is not resolved immediately I will contact my attorney to take legal action.
06/24/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 35401
Web
My car loan company, Consumer Portfolio Services , Inc. ( CPS ) has done the following : 1. Misrepresented fees that I owed in collection calls, monthly statements, and pay-off notices, and with companies that I gave authorization to contact them regarding refinancing 2. Made unsubstantiated claims about the about that I owed and continually say that fees will be waived that are then added back to my account 3. Improperly assess and collected fees and other amounts because of mistakes that are made by their employees and then attempting to make me prove that the conversation happened rather than checking supposed notes on the account 4. Continues to increase principal balances with an outrageous accrued interest rate of 21.45 %. 5. Failed to disclose financial effects on loan extensions, except for a late fee, not letting me know that there was also a daily fee that was being charged because of the interest 6. Misrepresented particular payment methods and requiring service fees, and posting payments that are mailed in as late despite a contract grade period 7. Contacting me during my XXXX work day and when I am unable to answer because I am at work, contacting third parties from a list of contacts that I gave to the dealer that I bought the car from and disclosing to them existence of debts and delinquencies in an effort to force me to return their call during work hours 8. Calling and texting repeatedly to harass during work hours and even after an extension has been granted 9. Continually threaten car repossession because excessive fees 10. Deceptively manipulating Caller ID to have me answer the phone during my work day 11. Out of 9 months of payment ( totaling {$3100.00} ), only {$500.00} has gone toward the principle of the loan. By the end of this loan, at this rate, I will have paid over {$28000.00} in interest on a original contract loan of XXXX. 12. I asked for a pay-off amount so that I can refinance the loan and the pay-off amount was more than the original contract of the loan ( pay-off amount {$15000.00} ) and the reason that I was given if because my 21.45 % interest rate is accrued daily. This can not be a fair agreement and none of these terms were disclosed to me at the time that I contracted the loan on this car. Maybe that was because I never actually talked with anyone from CPS until after I had signed the loan contract with the dealer. The dealer, as a representative of CPS on her lot, did not disclose any of this information with me. They did not give me another option for a different lender because I believe that this lender is giving them kickbacks for stirring people their way. This company was sanction in XXXX 2014 by the Federal Trade Commission for these same type of practices in California. In that judgment, it was determine that the law surrounding loan servicers is very clear. They can not charge consumers more than they owe with inflated fees and interest rates. And they can not threaten and harass consumers about delinquent debts, especially after extension have been granted by representatives in their company.
01/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 20715
Web
I fell behind on my auto loan payments with Consumer Portfolio Services. On XXXX XXXX, XXXX, I spoke with a department supervisor and agreed to make a payment of {$1100.00} on Friday, XXXX XXXX, XXXX and that would avoid a repossession of the vehicle. I was told that after that payment, I would need to make arrangements to correct the remaining outstanding balance of {$1100.00}. I asked if they could give me anything in writing so that I would n't make this payment that we agreed upon and the agreement not be honored by CPS. I was told that they could not put anything in writing. I was told by ( XXXX XXXX, Supervisor ) that once a payment was made on a pending repossession, that CPS wasrequired by law to halt the repossession and allow the customer to remedy the situation. On Friday the XXXX, I made the agreed upon payment of {$1100.00} and confirmed receipt of the payment with a representative over the phone. On Sunday morning, somewhere between XXXX and XXXX., the vehicle was repossessed. I called CPS on Monday to find out what happened. I was told by XXXX XXXX that the vehicle should not have been taken, and that she had personally contacted the recovery agent on Friday, after I made the payment, and related to them that the repossession was halted. I was then told that there was nothing that she was able to do since it was taken, and that I would have to speak with the Recovery Department. I spoke with the Recovery Department on Tuesday, XXXX XXXX, XXXX and was told that they would review my case and contact me within 48 hours. I did not receive a call back, and tried on numerous times to contact them. I left numerous voice messages over the course of the next couple of days and never received a call back. A few days later, I received a letter dated XXXX/XXXX/XXXX which was a " Notice of Our Plan To Sell Vehicle. '' I left numerous messages on the number that was given but my calls were not returned. I reached out again to XXXX XXXX and explained that the people in the other department would not return my call. She had XXXX of her department persons walk to the XXXX department and place a note of explanation on someone 's computer monitor. I still did not hear from that department. Today is XXXX XXXX, XXXX, and I received another " Notice Of Our Plan to Sell Vehicle '' stating that the vehicle will be sold at a private auction on TOMORROW, XXXX XXXX, XXXX at XXXX My requests for a phone call have not been honored, the vehicle should never have been taken, and I should not be penalized with an unjust repossession on my record, especially when I paid the amount agreed upon in order to stop the repossession. I discovered that this same company just paid out {$5.00} XXXX in XXXX to the FTC for the same practice that they are doing with me now ... ( " CPS is also charged with failure to establish and implement reasonable written procedures and failure to reasonably investigate and respond timely to consumer disputes under the Furnisher Rule '' ) Here is the link : https : XXXX This is totally unfair to me as a consumer.
01/07/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75104
Web
CONSUMER PORTFOLIO SVS XXXX .... The basis for my dispute was required to notify me prior to XXXX, or no later than 30 days after CONSUMER PORTFOLIO SVSfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, CONSUMER PORTFOLIO SVS '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CONSUMER PORTFOLIO SVS failed to send me my initial communication before placing this alleged derogatory 30, 60,90status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve CONSUMER PORTFOLIO SVS is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. ) Asthe court noted in XXXX v XXXX XXXX, XXXX. XXXX JMR/FLN, XXXX XXXX ( XXXX XXXX XXXX ), [ t ] he majority of courts considering the questionhave drawn upon defamations traditional multiplepublications rule. Underthis rule, each publication of the same falsehood by the same defamer is aseparate cause of action, thus starting the limitations clock anew. ( citingRestatement ( Second ) of Torts? 577A ( 1 ). In the FCRA context, this means eachtransmission of an erroneous credit information is a separate FCRA violation. (, after failing to perform a reasonable investigation andsubsequently re-certifying false information to the CRAs each monththereafter. This would negate the possibility of any time barred allegationsconnected to their actions by the Plaintiff when the violations were on goingat the time the complaint was filed. ) In the state of Texas a creditor actually fall under the TDCPA, contrary to the FDCPA, a creditor who collects its own debts is a debt collector under the TDCPA. XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX reh.den. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-Dallas XXXX writ dism 'd w.o.j. )
04/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • KY
  • 42701
Web Older American
I have had an ongoing problem with Consumer Portfolio Services XXXX XXXX XXXX, XXXX, California. XXXX I lost my job in XX/XX/XXXX, got behind on payments 3, moved out of XXXX due to a XXXX XXXX situation. Moved to XXXX KY, got a new job XXXX XXXX caught up payments, then in XX/XX/XXXX needed XXXX XXXX XXXX off work XX/XX/XXXX to XX/XX/XXXX, got behind again, 3 payments, went into prerecovery from XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , Florida XXXX XXXX I have talked to XXXX , XXXX , XXXX , Ms XXXX, XXXX , XXXX , Ms XXXX , supposedly a supervisor, now address change for payments to : XXXX XXXX XXXX, XXXX XXXX , CA XXXX as of XX/XX/XXXX. The last supervisor I talked to at Pre-Recovery was XXXX XXXX, I told him I thought there was a discrepancy in my cash payments made at XXXX here in XXXX, according to my records not all my payments were posted to my balance, Also they gave me he said 5 extentsion and then they kept that payment due current on the loan rather than on the end of the loan as they told me they would do. I asked him for time to get an attorney and have him help me with this process, he got angry the first time I confronted him about this problem and hung up on me. Then a few days later he called me back wanted another XXXX payment from me, I told him no more money until I was certain that my balance was correct ( that I still owed ). So I communicated with him by e mail. He said you voluntarily surrendered the car, and I said not until I am certain that the balance owed is correct. and I would only communicate by e mail with them. NO MORE PHONE CALLS. They called and heavy breathed in to the phone, acted like they were mafia. Asked me to buy a lottery ticket and maybe I would win and pay off my loan. I was asked to go to all the area churches up here and beg them for a car payment. Churches help with food, AN TO VALUE is to high so no one will refinance. I tried 3 different banks. I went back to original XXXX electric and water bill, and sometimes rent if you are on a court ordered eviction. NO ONE will give you money for a car payment. The estimated value of the car is now {$8000.00}. I went back to original dealership in XXXX XXXX, KY and they would not get me into another car since CPS handles most of their loans, I went to XXXX XXXX XXXX, KY. when they go the info on the LTV they turned me down also. So now the XXXX XXXX XXXX XXXX was just repossessed. I am XXXX, I live alone, have no other method of transportation and just recently had XXXX and I told them I would make all the necessary payments to bring the loan current, when I got my unemployment, my enhanced unemployment, a nd my stimulus help and then I would voluntarily surrender the car and get another one and that I would complain to CFPB, Inspector General of the US, Attorney General of state of Kentucky and Attorney General of State of Tennessee. I know this complaint won't help me but I hope to get the word out there about this fraudulent loan company and prevent other people from being duped by CPS and XXXX.
09/09/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30339
Web
Complaint 1. Consumer Portfolio Services ( CPS ) has refused to acknowledge and comply with the consent decree issued on XX/XX/XXXX which states : credit overcharges or permanently forbear collection on the account including by never 1 ) reporting the account to a consumer reporting agency, 2 ) seeking to collect a deficiency balance or 3 ) selling the account ( image 1 ). - CPS has never refunded charges on the first loan that was opened in XX/XX/XXXX. Even after paying off the balance on XX/XX/XXXX, they still reported late payments to the credit bureaus in XX/XX/XXXX and XX/XX/XXXX ( image 2 ). - Unfortunately, I went against my better judgement and co-signed for a relative in XX/XX/XXXX. The car got repossessed in XX/XX/XXXX and was re-sold in XX/XX/XXXX. CPS continues to report the account status as charge off to purposefully decrease my credit score ( image 3 ). Complaint 2. CPS misrepresented fees owed in monthly statements, modified loan terms and billing cycles without proper notice. - In a written agreement dated XX/XX/XXXX, they failed to disclose the financial effects of loan extensions, lied about payment methods and adjusted the original term. As outlined in the document, the maturity date was changed to XX/XX/XXXX. However, billing and reporting records list this date as XX/XX/XXXX ( image 4 ). - CPS sent billing notices between XX/XX/XXXX-XX/XX/XXXX which shows the same principal balance and past due amounts even though I made payments during that time period ( image 5 ). - CPS reported the first delinquency in XX/XX/XXXX and the account was never brought to current status within 180 days of this date. Theyre intentionally reporting the wrong charge off date by three ( 3 ) months to inflate interest fees on the past due amount and the principal balance ( image 6 ). - The VIN report shows that CPS re-sold the car in XX/XX/XXXX which is approximately five ( 5 ) months after repossession. They also delayed crediting the proceeds payment to the account balance in effort to collecting higher interest fees on the past due amount ( image 7 ). Complaint 3. After repossession, I contacted CPS legal department to gather information and to get my personal belongings. I was placed on long hold times and hung up on which violated my right to redeem the car or reinstate the loan. By Ohio Law a creditor must provide written notice to the borrowers, including a Notice of Repossession and Post-Sale Notice that complies with the requirements of the Uniform Commercial Code : - Send notice of default and the right to cure to the debtor within five ( 5 ) business days. - Send another notice at least ten ( 10 ) days before the sale that states the time and place of the sale. - Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. - The creditor may not keep or sell any personal property found inside the car and must tell how you can retrieve your items.
11/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Lender trying to repossess or disable the vehicle
  • MA
  • 021XX
Web
The last communication I received from consumer portfolio services was XX/XX/XXXX. I have not received any other communication by mail and this company wrote off this loan as a profit and loss and bad debt right off for the year XXXX. They did this XX/XX/XXXX. At the end of XX/XX/XXXX I had a tow truck company called XXXX XXXX out of XXXX XXXX following me around all night and claimed that they were repossessed in my car. They would not confirm the name of the creditor I can only assume that it is still consumer portfolio services that I have not heard from them for a year and a half now. XXXX XXXX sent to men to follow me around and when I pulled up in front of my house they asked me if I lived there. They then said they were possessing my car and when I asked them who ordered the repossession they said they didn't have to tell me and that they were going to call the police to help them. And then cut into my car and drove to the police station where these two individuals blocked me in the parking lot once I arrived at the XXXX police station. The XXXX police department came out and told them to leave and then if I saw this tow truck following me again that night no matter what town I was in I was to call them. The following night my car was gone. I am unable to get through to consumer fXXXX XXXX and get an actual person on the phone and through their automated system the last payment was due XX/XX/XXXX. Again the last communication I received by mail was XX/XX/XXXX. XXXX XXXX does not answer their phone I've left so many voicemails in the last two days since it was Thursday but the car was taken all three extensions on their line are full of my voicemails I still have not heard back from them. I have not been able to get to my car to get any of my things out of it and they force you to go through a website and make an appointment. They've had my car for four days now and I have been able to get anywhere near it. I file a complaint against consumer portfolio because I can only assume that is who ordered the repossession of this car without notice. XXXX XXXX used illegal means to try to take the car and the witnesses to that or the XXXX police department. I filed a complaint with the attorney generals office and they are advising that I contact the XXXX XXXX Police Department before I try to collect my car but I don't have any means to get there. I called the XXXX XXXX police department and explain the situation to them and they advise me to ask them to accompany me on Monday to XXXX XXXX all I can say is thank God that I chose to go to the women 's police department that night when they followed me because it was two guys refusing to show any evidence on who ordered the repossession and they both got out of the truck and approached me. And I pulled into any other parking lot other than the XXXX police department what would've happened?????????
01/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 338XX
Web
Yet another complaint against Consumer Portfolio Services. This will be my XXXX and Hopefully final complaint against them. They have replied to an earlier complaint, I have disputed it and have had no response. so here it is. The contract should be NULL and Void as the Main applicant ( XXXX XXXX ) NEVER signed the contract. The contract should be deemed null and void. 1. On the contract you can see that the due date is to be the XXXX of each month. When the XXXX payment was made early, ( on the first of the month to be considered for the up-coming payment on the XXXX ). Cps took it upon themselves to change the due date to the XXXX of the month, in the situation, it showed that a payment had been made for the XXXX of the previous month and then due again 2 days later on the XXXX ( which is when the account started showing a delinquency ). XXXX XXXX noticed the account was showing behind, when in fact it was paid ahead. He contacted CPS via phone and was told they had permission to change the due date, he said that neither he nor XXXX XXXX authorized this change, they dismissed it and refused to put the date back to the XXXX. He then asked for a written and signed document from either him or XXXX XXXX, requesting proof of the change, it has been over 4 years and still no such document!!! 2. XXXX XXXX was NOT present at the time of purchase and did NOT sign the contract for the loan. Her son was employed by the selling dealership and was allowed by the selling dealership to purchase and sign the contract for XXXX XXXX, even though she may have given verbal permission over the phone for him to do so, there was NO power of attorney signed. A hand writing analysis can be performed to verify the signature is Not XXXX signature. In fact she was at her place of employment ( working ) XXXX miles away from the selling dealership. ( this can be proved from payroll records. ) 3. The vehicle was purchased for a 3rd party, which to the best of my knowledge is NOT allowed by CPS. In fact neither XXXX XXXX nor XXXX XXXX ever driven the vehicle ( the vehicle in question is a manual shift, neither one of them know how to drive a manual transmission. ) The contract itself is not even a CPS contract. Cps has been trying to implement policies and fees off of someone else 's contract. The contract is on an XXXX contract, and only has CPS ( hand written ) on it, with NO address or phone contact information for CPS. For any one or all of the above reasons, the contract should be considered NULL and VOID, and the vehicle returned to CPS, with all and any Balances removed, and the loan as a whole be removed from XXXX XXXX and XXXX XXXX credit reports considering she NEVER signed the contract in the first place. We have copies of the contract and XXXX XXXX Signature that can be provided, we can also go to a notary public to verify her signature if needed.
10/20/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MD
  • 20747
Web
My name is XXXX XXXX I use to have a loan through Consumer Portfolio Services with a ridiculously high interest rate of 24 % I had a car which they been got back in XXXX it's almost 5 years later. I use to get calls from them 4-5 a day on my Federal Government phone at work up until XX/XX/XXXX when I left the agency. They use to threatened to have me arrested, come to my job and more. I always madevthem aware that they were calling a place of business a Government agency at that and what they were doing was harassing me. They started finding family members telephone numbers calling them telling them my debt information and that I was going to jail. Most changed their numbers to avoid the harrassing calls it was terrible. I had to constantly apologize to them for the company behavior. I was then living in a different place at the time XXXX XXXX XXXX is what they had on file. I moved from that residence and I had made them aware of it back in XX/XX/XXXX, when I voluntarily called them to attempt to settle the debt of {$5400.00} they were NOT willing to work with me knowing I wasn't gainfully employed. They asked me to submit to them all my monthly expenses and I supplied it all. As stated I contacted them at the time they had no way to reach me my home address had changed couldn't receive any mail from them or receive calls my work number was no longer active as of XX/XX/XXXX and my cell number was different. I had also made them aware of my new address which they obviously never documented because as you will see from the payment plan offer letter it has my old address on it, therefore I had no knowledge of anything. I was not aware of not judgment against me of any sort until XX/XX/XXXX. When I read the Payment Plan letter their attorney emailed to me which I requested trying to settle the debt. I was baffled that it was a legal case filed against me. I then typed in the case number online Maryland Case Search to see ifbit was real. ( It was really a case ) I had tried to settle the debt again in XXXX of XXXX when I was paying off many other debts with the help of a friend. Consumer Portfolio were willing to comply with any figures I offered said NO. Again to no avail... I reached out to them again this month XX/XX/XXXX and surprisingly they made a temporary payment option that is extremely ridiculous 24 % they are attempting to apply same high interest rate that was attached to the loan. Interest accrued {$390000.00} total I'll be paying them {$9900.00}. Simply use heard of they are trying to take advantage of me. That is more than the ble book value of a car they've been had possession of and SOLD. When I secure a job I'll pay that debt off in full the {$5400.00} before I sign documents binding myself to more debt. I have attached emails supporting all that I've stated in my complaint.
03/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WI
  • 548XX
Web
I bought a new car from XXXX XXXX of XXXX in XX/XX/XXXX and they got me financed through Consumer Portfolio Services ( CPS ). Later I found that they hard pulled my credit 10 times to get this deal to work. From the start XXXX was nothing but nasty to me. I decided for my first payment to send in my payment with a check instead of incurring a {$12.00} fee for paying online or over the phone. I sent it in plenty of time for the mail to reach them by my due date. The day after my due date I got several calls a day from them. When I did talk to a representative, things got so bad that I asked to speak to someone else. This person explained to me that a 3rd party processor receives the checks and until they have completed processing payments which could be XXXX to XXXX business days after they received my check that it would be considered late. Because of this they changed my due date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I verbally approved this over the phone and they sent me a letter that verifies the change. As time went on I 've received several letters from CPS stating that my payment due date has changed. I have XXXX letters in my records XXXX from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I did not ask for nor approve these changes. What they have done was extending my maturity date out a month each time which means longer loan term and more interest collected for them. The only time I have ever asked for an extension was XXXX/XXXX/XXXX which I called and asked for, they sent me paperwork, I signed and sent back for their approval. The last piece to this is the interest they are collecting. I noticed that I have been paying on this car for a little less than 2 years and my loan balance is not moving, and most of my payments they are applying to interest. I called the week of XXXX/XXXX/XXXX to speak to a representative on my interest and how they calculate how much is applied to each of my payments. She had told me that my loan is a simple interest loan with 16 % interest annually based on my original loan amount. She told me that my yearly interest amount is {$3500.00} which multiplied by 6 years equals {$21000.00} almost the same amount as my loan. Although on my sales contract it states that my interest for the life of the loan is {$12000.00}. That 's a big difference. There has been a lot of interest applied to my payments and hardly none to the principal. This company is a scam. They are harassing with their phone calls, nasty to me when I do talk to them, changing my loan terms by giving me a " courtesy due date change '' without my authorization and taking more for interest than what my finance contract states. These people are predatory lenders and they need to be stopped and the car dealers that are using them are not helping people with poor credit rebuild!!
12/08/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • FL
  • 32547
Web
I was a co-signer for an elderly individual-Applied for an auto loan through XXXX XXXX, the loan was transferred from XXXX financing company to another, without our approval. After the smoke had cleared we found out a second third party company XXXX as Consumer Portfolio Services had financed the loan. the initial loan was for {$10000.00} plus to finance the vehicle in early XX/XX/XXXX-The vehicle was paid up according to our records, however, XXXX stated there were additional interests in excess of {$5000.00}? What loan sharks!!! Our monthly payments were {$280.00}, however, only $ XXXX {$100.00} monthly were actually applied to the actual loan. When inquired about it, the company reps stated it was normal procedure. In reviewing our monthly payments, we discovered XXXX would intentionally post our payments late in order to justify charging additional interests and fees. When we paid by money order they would state they did not receive the payment until a week later, yeah right. When we made payments online we were forced to pay additional fees through XXXX XXXX, and the payments were still posted late. We challenged this and got nowhere with this company. There is additional info which I will upload, however, in short we were ripped off by this company and XXXX Automotives whom we thought we were dealing with initially. There were constant mechanical issues with the car, we called several times to complain about it, we were told our problem now. In addition to paying off the truck, we lost a lot of money in repairs, new tires, motor issues, etc ... The last payment made to XXXX was in XX/XX/XXXX for $ XXXX course they did not apply that amount to our account. In early XX/XX/XXXX XXXX finally picked up the vehicle, sold it, and stated, we XXXX or XXXX not receive a refund based on the amount received at the auction. In XX/XX/XXXX, a payment of {$1500.00} was posted to our account, shortly thereafter, XXXX contacted us to tell us they sold the car and we still owe them in excess of {$5000.00}? Really? We have no idea what XXXX actually received for the vehicle, they would not release that information in writing. Okay, so never mind the fact that we had already paid for the vehicle ( excluding their outrageous claims of excess interests charges & fees ) in addition to all of the money that we spent in mechanic fees/repairs. They did not care. These people have been constantly calling and harrassing us and have reported these fraudulent charges to credit agencies, this makes us furious. in XX/XX/XXXX The FTC fined XXXX XXXX https : XXXX ) It does n't look like anything has changed. At this point we do n't know where to turn. Thank you for taking the time to listen. We appreciate any assistance that you can offer. Have a blessed day.
12/20/2015 No
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • OH
  • 452XX
Web
A sub-prime loan company has denied me a loan, after they approved me for a previous car loan a few days earlier.engi was in bad condition, the true price of the car was not reveled to me until the following days, I was told to come back to the dealership to complete more paperwork. Once I saw the true price and the APR I wanted to return the vehicle, because I was sham into a deal, after asking for significant information, that was not given before I considered the deal to be final. I requested a cheaper car in a lot better condition with less miles, the dealership continued to blind me of significant information and cost to trick me into the same deal. But I did my research and knew exactly what I wanted and the price and blue book value of the car. The dealer and their finance department questioned me and still tried to get me to purchase a high priced vehicle, I denied for a 3rd time and said this is what I want and can afford. The dealership contacted the bank that approved me before and confirmed to me that they denied me the loan for a cheaper vehicle 1 year old vehicle, but a few days ago approved a loan for a 5 year old vehicle that cost more. This did n't make any sense, and I believe that this is a form of retaliation and consumer discrimination, along with dealership deceiving practices to misguide the buyer into buying a car that is not what that customer wants and keeping information from the customer, like the bank approving the loan, who controls the APR, what is the amount the dealership added to amount of purchase, these go unanswered and hidden by dealers askew the perception of what the customer is getting themselves into. I know that the banks/sub-prime lenders are in cahoots with dealerships ( who are actually a monopolistic system ) and are using their loan power to limit the options to the customer, and overprice cars by using increasing APR methods and keeping you from contacting the lender. I believe an investigation is well overdue for car dealerships and their practices of using persuasion in a manner to basically XXXX someone into a unwanted deal without revealing the most important financial details in a contract. Also a study and investigation should and needs to be conducted on credit acceptance determining APR/interest rates, I believe the dealer targets particular people to give high interest rates to, and not really considering credit scores to define rates. These problems that I have experienced are involved with me dealing with XXXX XXXX car dealerships and CPS Lender ( Consumer Portfolio Services ). I can be contacted at XXXX XXXX for more information, its time that the oligopilization of car dealerships came to an end and consumers have the right to buy directly from a manufacturer.
06/27/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 934XX
Web
Look XXXX of XXXX XXXX sold me a car and promised an inspection with the contact and warranty upon receipt yet I paid on XXXX of XXXX and picked up a few days later but I received XXXX paperwork as required upon sale and the inspection or car faxs were refused when I picked which XXXX the salesman garanteed verbally and the the other ssles man XXXX was sent the inspection sheet and was told by his boss to refuse about 2 weeks later a crack in windshield showed up and XXXX was going in and out and the XXXX and XXXX XXXX patients I drive for medical rides for XXXX were scared when I was sliding around corners I took it to XXXX which gave what they said was an inspection sheet and a copy of an invalid warranty they refused to honor the windshield had to be replaced cause XXXX said I did it so I claimed it and XXXX and XXXX XXXX will tell you it was sealed then popped out after sale then the safety features on the car went out and I backed into a car was told by XXXX to take the car back after I disputed it and filed a complaint to ftc for it and the paperwork they gave me that day I got stolen and had to write a report to the police department in XXXX using my kids address at XXXX XXXX. But I couldn't pay consumer portfolio services cause I didn't any of there Information cause XXXX refused to give it so like a few days after my bill was due in XXXX a worker for XXXX kept calling me at work with passenger in my car saying all my financial Information and private business and telling what I'm going to do and when like he was the bookie I don't like being strong armed so I offered to drop the car to them since I was already in XXXX XXXX they said no just wait and see After I returned the car to XXXX XXXX gave me my deposit back which they returned to XXXX the contract I signed I was put down as cosigner and since the warranty wasn't even valid according to the manager at XXXX of XXXX XXXX XXXX who said there was no active warranty on the car so I theu signed a release of liability on the car through XXXX and California government agreed so the car is in XXXX XXXX name who was told to do the same but refused the XXXX hit my credit like 20x without permission after first attempt and now XXXX put a claim on my XXXX XXXX auto insurance cause XXXX never got a contract or quote from XXXX or XXXX so they refused to pay but they paid for the orher car cause also they said I had no passenger but I was on my way to one before the accident then I had to cancel cause of the accident but there ruining my credit and go after me but not XXXX and not XXXX XXXX who according to XXXX is sole owner I needed a print out to prove that for disputes like this but XXXX said I had to contact XXXX for that
05/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 061XX
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CONSUMER PORTFOLIO SVC XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
10/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • CA
  • 91730
Web Servicemember
Good morning, Im writing this to bring light and hopefully some financial relief from what I believe is a companys gross incompetence or at worst a scam to take advantage of their customers. The business in questio n CPS ( Consumer Portfolio Services ). Let me give you the details. In 2015 I was unemployed and stayed in contact with CPS during that time. They seemed to be willing to work with me until I received new employment. I signed a Loan extension agreement pushing my missed payment to the back of the loan. In XX/XX/2015 I was hired. I sent a copy of my offer letter to CPS to let them know payment would soon restart. They asked me to send two payments to show good faith and to catch up with some of the back payments. I sent 1 payment of {$500.00} on XX/XX/2015via their website using XXXX ( see attached ) I sent a 2nd payment of {$500.00} 2 weeks later on XX/XX/2015 via their website ( see attached ) Here is where things went crazy. In XX/XX/2015 my car was burglarized, some homeless people broke the back window along with other vehicles in the parking lot that night and stole my laptop bag that contained the laptop issued to me from my new employer. I was asked to file a police report by my employer. While at the police station filing the report the car was towed away. Now I had just spent 90 mins with a police officer filing the report ; he mentioned nothing to me about there being any issues with my car that would have it towed. My next thought was maybe there was some confusion at CPS maybe the department that handles repossessions was notified and should not have been. When I reached out to the tow company they told me that CPS had already picked up the car. I reached out to the person Id been working with at CPS on XX/XX/XXXX XXXX XXXX a sking what was going on and why they had the car. I was told to call and number and speak to a woman about the car. I called the number and was told that I could have the car back for {$1800.00}. I told the women that day I dont have {$1800.00} It was at this point I assumed that CPS wanted the car back and that it was being repossessed even though I had done what they asked me to do. 2 years later CPS comes back to sue me saying that I stop making payments. At the time I had no proof to tell this story. It wasnt until I went back through all my emails and found my last payment receipts that prove that I was making payments before they repossessed that car. Today they are garnishing my check for {$600.00} per month for a car they say I owe XXXX. Im not sure what anyone can do, but please help me. I really do believe that they are predatory and would do anything to get over on the consumer.
05/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CT
  • 061XX
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
01/05/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 936XX
Web
Due to COVID impact on my family I missed my car payment. The following representives contacted me via email : XXXX XXXX and XXXX XXXX. This resulting in me signing an agreement/payment plan to help me get back on track with my payments. I made the payments as explained to me via phone from XXXX XXXX. Later on that year XX/XX/2021 I received a 30day late. I contacted Consumer Portfolio Services. INC on and asked why did I receive a 30 day after paying the agreement offered? XXXX XXXX XXXX stated that I did not pay as stated in the agreement. This was not true I had proof of my payments and asked XXXX for a copy of the agreement I signed because it was signed online and I did not receive a hard copy or email copy of the agreement. This was XX/XX/2021 and the company Consumer Portfolio Service still hasnt mailed or emailed me a copy of the agreement. XXXX stated that all calls are recorded, I asked to speak to XXXX supervisor and asked if I could hear the recording that stated the details and payments dates of my agreement. The supervisor denied my request to listed to the recording. I believe because the recording will reveal that XXXX was verbally not kind to me and it would reveal that I made my next payment on the correct date XXXX told me to pay it on and should not have received a 30 day late. The company is not working with me. Will not provide me with a copy of the agreement, they refuse to take the 30 day late off. I have disputed this 30day late with all three major credit reporting agencies. I have had no 30 day lates over the lifespan of the loan. The most I could get from the Trade credit department was that my payment was due XX/XX/XXXX, and XX/XX/XXXX no payment was made. XX/XX/XXXX they reported me 30 days late and XX/XX/XXXX was my request for an extension. This all makes no sense and this was stated to me verbally. Without the agreement I signed online I have not way of disputing this incorrect report. They basically stated that my payment was received on the last business day of the month which was XX/XX/XXXX. I hope someone can help me with my case, I a being taken advantage of because I do not have access to the agreement the created. Consumer Portfolio Service. Inc. Does not support its consumers and treated me like a non paying consumer because my family was impacted by COVID. I know we all lack understanding about how hard it is when it hits your family but that is no reason not to work with you consumers. I have no 30 day lates. Please help me get this 30 day late removed it is incorrect. I refinanced my car loan because I do not want to pay a company that does not support their consumer and treats them bad.
08/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • OH
  • 44128
Web
I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX Oh on End Of XX/XX/XXXX. I went to the dealership to pick up the title from the Sales Person that sold me the car in late XXXX. The title was given to me 2 days after I picked up the title the vehicle started to stall,. Finds out that the transmission needed to be fixed/replaced. Informed the dealership of the situation they indicated the salesman no longer works for the company no warranty. I ended up replacing the the transmission for XXXX not to mention the XXXX given to take ownership of the vehicle. The vehicle was in the shop for about 21/2 months getting transmission fixed/replaced also I had to come up with the monies to fix the car. Meanwhile Consumer Portfolio Services, which is the finance company for the vehicle located in California. They are aware of what is going on. They offered one deferred payment for one month. I got the vehicle out after I paid XXXX for a transmission in late XXXX. I was being charged XXXX a month plus late fees of XXXX? I believe could have been more. Well I did not have the monies to pay for a new transmission on a vehicle that I just purchased and pay the car note and get back and fourth to work. The car was repossessed in XX/XX/XXXX. I paid all of the fees to retrieve the vehicle back. I was told that I had to pay repossession fees which were some bogus fees that I could not find however I was told this was a fee that my state charged. Contacted Ohio Attorney General was not aware of what the fees are/were. I was going back and fourth with the company in reference. I was then told the fees would needed to be repaid until the end of my loan. Per my credit report it shows that my balance was a little shy of {$7400.00}. However when CPS was contacted about the pay out for the vehicle a week ago or so {$8000.00} was indicated for the amount/balance. The vehicle stalled out again In the middle of XX/XX/XXXX. Find out that the timing change went out/ Which is a new motor {$5500.00} to repair. 2 Major components on a vehicle within 2 1/2 - 3 years from the time that I purchased. The vehicle was listed at {$10000.00} Repayment of {$19000.00}. Clearly this is a type of predatory lending and should be investigated as I tried to complain about this company 1 year or 2 ago with Consumer Affairs as well as The Ohio Attorney General ' s office. This company had a lawsuit filed against them some years ago for the bad behavior and practices. The victims were awarded. Consumer Portfolio Services had to pack back millions for their corrupt practices, My case is a prime example of such. Respectfully,
10/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • GA
  • 30331
Web
My car loan was included in a bankruptcy that was dismissed on or around XX/XX/2021. Consumer Portfolio services contacted me that we to ask me what I planned to do. At that point, I had planned to refile bankruptcy however based on y calculations, I would be better off trying to pay off the loan. During the conversation with CPS, I requested an amount due however they were unable to provide that ( They called me to ask me what I planned to do-pay off or re-file ) yet could not provide a balance. I waited a couple of weeks to try and come up with some money to save the vehicle. I called CPS, asked for a Pay off however they said that the pay off/audit was not ready. I called the following day same thing. Finally, XXXX XXXX tells me I owed a little less than XXXX XXXX dollars. Since the bankruptcy case was dismissed I knew I no longer had protection so I asked him what would be the amount to bring the loan current. He stated XXXX dollars would bring the loan current. I asked him to send this to me in writing he claimed he would be emailing me but he never did. I paid this on XX/XX/2021 without an email because I am sure they would come after the car claiming I did not pay. I called back to inform them I paid and asked for a pay off the claimed they have to conduct another audit now that I made a payment ( they never completed a first audit ). At this point I am paying them money blindly as they have deactivated my ability to see any history on the account. In addition they have disabled my ability to use their CHAT option as I requested an audit through online chat. They responded saying I would get it in a few days and that never happened. I am trying to pay off the loan with an accurate amount due with no hidden fees or erroneous charges. I realize the lender will attempt to collect every dime they can but it I am asking for a pay off why am i receiving three different amounts. They reported XXXX to the credit bureau, when I call they automated line its says XXXX when I spoke with XXXX XXXX he said close to XXXX. I am not receiving any monthly statements so at this point I feel like they are giving me a run around to collect monies from me, bankruptcy and to come get the car which is now close to 9 years old. They are always in collection mode so even when you call to get a balance the tone you receive is " we want our money '' -not a problem but please correct your systems and provide accurate information. I have supporting documentation from this situation.
12/09/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CT
  • XXXXX
Web
There was not a accurate selection for me to pick on my complaint. Reason for my complaint is for harassments being aloud by consumer portfolio financial. I have had this company with mine and my sons car loan for a little over a year now. my son was starting off with no credit, I didn't have bad credit, but used up all credit I had. which led us into no choice from what we were told to accept this loan for one year the to refinance. Well what they are really doing to people. Not knowing we were going to go into a pandemic and stress and financial struggle, we have still made all payments on time, or should I say within the 30 day mark at least the past couple months due to some temporary hardship due to the pandemic. well people like us can not refinance after raising credit score because they added to much to our loans> Never marked late payment on credit report> I always make sure. which means I'm not behind. I assume right. Well to this date i am only four days behind, ok. this company will call your phone everyday if you are a day past due by one day and everyday on. if you are 2 weeks behind but not 30 days behind they will call all your references everyday there forward. ok well today I received a phone call call from my sons father XXXX XXXX XXXX stating him and his wife both received phone calls separately from a very disrespectful demanding information on my son XXXX XXXX and myself XXXX XXXX. Now here 's the thing. due to very various and personal reasons my son has not spoken to his father in years nor talks to his wife at all. myself only keeps things minimal in the past year but absolutely no contact with wife. Which means there was absolutely none of there names nor contact information written on my contract at all, nor did any of our references had any way to have contact information on them to give due to legal reasons and when I say there is absolutely no way they were giving information on him or his wife through my references> absolutely impossibly ... with this said I have asked for a copy of contract today and will be looking into everything and seeing how these financial company 's are bein aloud to get away with extra fees and harassment 's calls and etc. specially on people who are trying to make a start or a new start> that shouldn't be a trap and made for people to fail. the pain and stress people are going through, terrible. XX/XX/2020 p.s. as of today XXXX is paid and XXXX bill is 4 days past due
10/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 228XX
Web
i lost my vehicle due to bankruptcy 3 years ago. I was referred to XXXX XXXX XXXX in North Carolina for a replacement vehicle. I was a naive, first time car buyer. I was told to provide all sources income including child support. I explained I was not comfortable with this as my children would lose it within 2 years. My loan is with Consumer Portfolio Services at 23 %? interest. After making payments on time for 2 years, child support stopped and I could n't make my payments. i sent money each month that I had available, but it was not the correct amount, but all I could afford. I tried to refinance, but because the interest was so high, I was already upside down and was turned down. I contacted CPS and was allowed for a fee to extend the loan on the car, a quick fix but did n't solve the issue at hand. I then was laid off from my job and saw my hours reduced. I informed CPS of my difficulties but was told I owed XXXX and that was that. I asked if they could lower my interest rate for a few months, but was told no, they were n't a loan company. I sent XXXX ( a gift from my church ) but they came and repossessed my car anyway. I was never told where it was taken, I had personal belongings inside and was never told how to retrieve them. My car was sold at an auction, though I was never informed when or where. I was sent a bill for XXXX for the deficiency deficit. I did my best to keep them informed of my financial struggles, I could n't extend the loan again because I had already done so and was told I did n't qualify. With all of their fees tacked on to my already late payments, I was so upside down on the loan, I could n't sell or even trade the vehicle to try to alleviate the burden. I may not have a valid complaint, but I feel like these loan companies prey on people like me. I ca n't possibly ever re pay the loan. With all the fees they 've assessed me, it was n't feasible. I owed XXXX on a car that was only worth XXXX. How can this be legal?? This company harassed me at work until I filed a complaint against them. I need help with this situation. My finances are no better today then they were when my car was taken by them. I am not an irresponsible person, I was just unknowingly taken advantage of by the loan company and the dealership I dealt with. I would like to see these loan companies not be allowed to extort money from people such as myself. The fees they charge make them rank right up there with payday loan companies.
09/17/2018 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
  • Investigation took more than 30 days
  • PA
  • 195XX
Web
i have never in my life had a repossession not only is this completely reporting incorrectly but I have attached a screenshot showing all of the incorrect information reporting on this account. 1. High Credit XXXX : {$8600.00} XXXX : {$14000.00} XXXX : {$14000.00} How is that credit bureau have a different amount? This is inaccurate. 2. Date of Last Active XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I am not sure how each credit bureau can have a different date. This was one account, not three. This is inaccurate. 3. Date of Last Payment XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This clearly shows an error and another reason for this account to be deleted for its inaccuracies. 4. Payment History XXXX : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; Charged off as of XX/XX/XXXX XXXX : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; ; Charge off from XX/XX/XXXX to XX/XX/XXXX. XXXX : No late payment history provided. As you can see, the late payments being reported to do not match up and make it seem like I have more late payments than I should which are deceiving. This needs to be removed immediately. 5. Date opened XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As you can see this neither matches and is another reason this needs to be deleted from my acct. 6. Monthly payment and number of months are also all reporting inaccurately. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) I have attached a screenshot of my credit report so you can clearly see how this account is being reported. I expect to receive a letter stating that this account will be removed from my credit report, or I will have to pursue further action. Respectfully submitted, XXXX XXXX
01/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • CA
  • 95207
Web
I purchased a car XXXX used XXXX XXXX XXXX and then i struggles between jobs the entire time i had the car and then i would get caught up something else would happen I am a single parent my entire adult life and I struggled with no help from anyone. i got the car with financed for XXXX and made {$14000.00} in payments. In XX/XX/XXXX i lost my job due to stay at home order. I struggled but i found a job less money and i tried to work with them they refused. my mom also died 6 months prior so we had to move and resolve her estate with my family so we moved to a very low income neighborhood and i still have the same job making less XXXX a year. i usually make XXXX a year. We called to surrender the car, XX/XX/XXXX being 60 days past due and the person on the phone said he would give them the location of the vehicle but no guarantee they would pick it up due to pandemic and no one in that department. We waited 2 weeks called back as we were instructed to do. i spoke to supervisor who told that was not true and that I made this up. I advised we wanted surrender the vehicle and she said that i was not able to until the account was 120 days past due. Again i gave the location of the vehicle as we had no room where lived to park it. 2 more weeks passed we spoke to someone is surrender repo department who told us she was not given any info where are car was, and advised again we have called 2 other times. No one was believing me. they finally picked up the card in XX/XX/XXXX. I started received back to back phone calls about the vehicle and i need to pay for it and said we surrendered in several months ago and again non stop emails texts and phones calls and then they sold the vehicle then radio silence for 2 months XX/XX/XXXX they started calling for the deficiency and i explained i don't anything except {$1000.00} and they sold it for {$3700.00} XX/XX/XXXX per the ledger i attached from their website. now the balance paid is {$14000.00} so again i only owe XXXX there was nothing wrong with the card when i surrendered it. if there was they caused it. The brakes tires were replaced and service every XXXX without fail. I left that car perfect condition. I want them to settle my dept and also they report to the credit bureaus i owe them {$11000.00} closed derogatory XX/XX/XXXX which was report XX/XX/XXXX as if i never paid them anything. They also never sent any proof of repo or sale of the vehichle.
10/30/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • IL
  • 62221
Web
This company ( Consumer Portfolio Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Illinois this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Illinois. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Illinois Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name XXXX XXXX : house of XXXX XXXX. 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
07/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21223
Web Servicemember
Hello Viewers, I 'd like to start by saying, i brought a toyota pruis 2010 at XXXX, put down XXXX dollars, and they made my payments XXXX a month or XXXX biweekly which is fairly affordable. But once i realized the many issues of this company etheir not receiving my payments for months at a time or late each time without notifying me, I became skeptical and highly frustrated. I always called them or answered my phone for them to sort things out and stay in good standard. But now almost 2 years later only being late 3 times, i still owe XXXX, XXXX. How in the world is this possible when I am told often to recheck my balance on line to see accuracy ... or wait for the statement..all in which XXXX say I owe XXXX XXXX still. I feel ripped off and stuck in a worst runt than before getting this car. I feel I am stuck owing this company for many more years and nothing is being done about them ripping people off. I pray to get out of this Unreasonable and unfair loan right away. So DO NOT TRUST the representatives that call you for Consumer Profolio Services because they do not hold to their word. They make verbal agreements or promises but when you check your remaining balance on your loan, it shows way more than you actually owe each time. They also do not communicate well with XXXX another about your personally information or changes in your loan. They will take your funds before and after they are due without permission. Causes your account to overdraft or double pay. They will continuously charge you even if they have said they waived late fees, and claim they put your payment 's in the back of your loan even when you caught up with your car payments. They will call and harass you all through out the day even when you make a payment agreement and stick to them. They find ways of receiving your payment 's late or say they are unable to take your funds due to the bank not releasing it, which I found each time to be a lie. These faulty errors make your loan extremely hard to decrease or payoff let alone go away at all. It is not worth anyones hassel to deal with this unprofessional and very rude company. Take your services safely elsewhere. Itll save you the stress in your life and not having to owe a loan 50 % more than what you actually owe. I truly hope this was helpful to someone reading about Consumer Porfolio Services.
06/18/2021 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • WA
  • 98466
Web
XX/XX/2020 my car was reposessed from my home XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wa. XXXX which is in a gated community, the gate which is open from XXXX to XXXX. the repo company came at XXXX which means they had to follow someone that lives in my apartment community to unlock the gate. It started back in May I fell behind in my payments and was waiting for my back unemployment payment. I was communicating with XXXX XXXX via email and she stated that if I make two payments they would put the repo on hold she never mentioned that the payments had to be together, in between time I was in communication with Mrs. XXXX, letting her know that I would be paying soon or that day in hopes my direct deposit would hit my account because my unemployment claim was finally fixed and approved. Even though we were in constant communication she still called and harrassed my friends and family. On XX/XX/XXXX, XXXX and the XXXX Mrs. XXXX called my son 's phone and left detailed messages about my account, about the car being placed in reposession and I need to give them the car back. My son saved these messages on his phone. My son doesn't need to know what is going on with my account, he is not on the car loan. I made a payment the end of XXXX and the beginning of XXXX. The end of XXXX I started receiving calls and emails from consumer portfolio saying that if I didn't make another payment they would put the account back into reposession, I let them know I couldn't make payment for a few weeks and mentioned my conversation with Mrs. XXXX about putting two payments to the back of the loan to get the payments current. They acknowledged the conversation and said we need two payments together which was never mentioned before. They said I had until XX/XX/XXXX to make a payment or the car was getting sent to repo collections. They came and got the car XX/XX/XXXX in the early morning hours. Today XXXX first I received a certified letter saying they are going to sell the car. The letter head says XX/XX/XXXX. I changed my address to a P.O Box in XXXX which I have statements from them with that address on it they were sending the certified mail to my previous address. I received it today with a XX/XX/XXXX date. The car is going up for sale tomorrow XX/XX/XXXX. At this point I don't know what to do. Thank You, XXXX XXXX
07/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • KY
  • 42701
Web Older American
I purchased XXXX XXXX XXXX in XXXX of XXXX, first payment due XX/XX/XXXX. The loan I got was a fresh start loan after a bankruptcy that had not been finalized yet. My old car a XXXX XXXX transmission was going out. I got the loan at 18.45 % interest. I lost my job in XX/XX/XXXX and was a victim of XXXX XXXX and relocated to XXXX, KY in XX/XX/XXXX. I have been unable to find a job other than XXXX at XXXX per hour. I am XXXX XXXX XXXX. I have had problems with making that {$400.00} per month payment. In XXXX of XXXX I was diagnosed with severe XXXX of my XXXX and the XXXX XXXX recommended XXXX. I waited another year and worked in XXXX XXXX every day to try to keep this car payment up to date. I did get behind 3 months and worked hard approximately XXXX hours per week. In XXXX of XXXX I had to take a leave of absence the rtindoctor stated my XXXX was grinding XXXX to XXXX and I had to have XXXX to have a total right XXXX XXXX. I did have XXXX XX/XX/XXXX. I notified Consumer Portfolio Services that I needed XXXX and I would be off several weeks recuperating and that I would not be able to make my payments on time and did they have a hardship program. I was told no. When I bought the car I questioned the high rate of interest, the finance manager at XXXX XXXX in XXXX XXXX in Kentucky told me that I could get the car refinanced to lower my payments and interest in a couple of years. I believed this. So in XXXX I tried XXXX XXXX XXXX and was turned down since my loan to value was too high. My car then was valued at around XXXX and the loan pay off was still XXXX The car purchase loan amount was for XXXX. So after almost 2 years my balance had only gone down approximately XXXX. So I went back to XXXX XXXX in XXXX XXXX in XXXX of XXXX and asked them to please get me into a different car with lower payments. They told me they could not put me in a different car due to the same reason XXXX XXXX had denied me. So now that I am behind XXXX, XXXX, and XXXX payments they are threatening repossession. I know this may not help me with this situation but I hope others can be warned about XXXX XXXX in XXXX XXXX and their unfair lending practices and Consumer Porfolio Services out of XXXX California, my payments go to XXXX Arizona and the call about repossession came from XXXX, Florida
11/10/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • KY
  • 424XX
Web Servicemember
We were one payment behind at beginning of 2019, we had help from loan company in past due to me being out if work several months after XXXX XXXX XXXX. We had automatic payments set up from XX/XX/2919 until car was paid off. CPS states they presented for payment in XXXX and bank declined for insufficient funds, however bank manager states payment was not presented. I have a print out of payments made from XX/XX/2019 to XX/XX/2019. I spoke to Mr XXXX at CPS and stated we could possibly make a payment on XX/XX/XXXX, but my husband VA doesn't come to bank until XXXX XXXX one reason pmts were set up for that date. I am scheduled to work XXXX to XXXX but usually dont get off work until after XXXX. I would call CPS numbers left in voice mails to me only to get the reps voicemail, leave a message and them call me while I was at work and couldn't answer phone. Call back when I can get voicemail leave message, and repeat fir several days until I finally reached Mr. XXXX. Come to find out CPS had canceled our automatic payments with out notifying us. I have billing statements from XXXX, XXXX and XX/XX/2019. On XX/XX/XXXX CPS had the car repossessed, repo rep had no paperwork, would not give phone number, and only stated his name was XXXX and hes taking the car to XXXX XXXX. I called CPS to get automated messages to call back during business hours, called next day and spoke to 3 representative and a supervisor. Supervisor was rude and I dont remember his name. I spoke to a XXXX, XXXX and a XXXX. We were told we could get car back if we paid {$2300.00} plus the towing fee of {$390.00} and what ever the storage adds up to. Was told by one rep we have until XX/XX/XXXX to get car or it goes to auction in XXXX area, another rep said we had one week and car would be sent to auction, We have received no notice in the mail from CPS, I know they must notify us of date, time and place of auction. I know CPS has been fined for deceptive practices and I feel we are a victim of that now. CPS also said payoff for car is {$16000.00} tho all the paper work I have shows {$15000.00}, which means payments we have made have mostly went to internet and not the principal as when we first got the car the principal was just over {$15000.00}.
09/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 90001
Web
I'm having a problem with the loan I got in to and I think I'm in to a deep hole a sort of scam they got me into for not having a good credit score I was sweet talked into a " good deal '' according to them I was never advised about limitations on car return if I didn't like it on how much time I had to return it instead they made me sign sum papers on agreeing to paying XXXX in a loan of XXXX car tag sale price. They give me another paper to sign and on this one I didn't notice at the bottom of the page that my total price was XXXX XXXX to pay them didn't even notice that because I was convinced that my payment was only going to be XXXX, what was verbally agreed on. it took me like 4 to 5 days to read the full contract since I was working 12 hours a day 6 days a week I didn't have much time to do anything I was in for a big ugly surprise when I reviewed the contract on the second page I came to find out that I was in for a big set back saying that I had to pay XXXX total XXXX dollars monthly payments for 6 years and not the XXXX dollars a month for only 3 years as I tought I left it like this thinking to myself there's nothing I could do anymore what a big dissapointment no wonder the original woman sales person I was going to do the deal with got swaped by one of the more experienced salesman person I think he was a supervisor at this dealership so he just told me that I had no choice but to take the car that they picked for me i didnt wanted that car but they said I had no choice cause of my credit and i was very desperate for a car since I needed it for work so I got myself on this big deep hole that it seems I cant get out of its been 8 or 9months of payments of XXXX dollars a month i have paid to them and nothing changes on my loan it still says I owe them XXXX dollars so every time I pay its the same balance of XXXX I had text with them to send me the total I owe them thinking that they had probably had not refresh their data on the computer but not they told me that I owed those XXXX seems like a rip off and dishonesty on the dealers part and on the bank where I got my loan are ripping me off. In asking for your help please on what can I do on this bad dishonest loan I got into.
03/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • OH
  • 452XX
Web
I have submitted this complaint earlier this year, but the issue was not solved. I have applied for a car loan and was approved by a lender ; C.P.S ( Consumer Portfolio Services ) .Do to issues associated with the dealer the deal did not go through, now C.P.S is refusing to lend to me when I already have been approved by them twice. Also they have financed people with a similar credit record and score as I do, but they will not approve me, when I have proof of income and capability to pay the loan. Also the dealerships that I applied for are holding back the interest rate that I qualify for, so they can sell the contract at a higher amount to the lender. I believe that I cant get approved because I challenge high interest rate, when I qualify for a lesser rate. These banks and dealers are refusing to lend to me but they are lending to others who have the same criteria on their credit.Dealerships are also involved in hiding information concerning the obligations to the loan, such as True Market Value, present price of the vehicle, and amount approved for. I think there should be an investigation on both dealerships and the following banks. *Consumer Portfolio Services- Has approved me and denied me lending without explanation, but they have offered consumers with similar credit data, loan approvals. *XXXX has purposely withheld information from me that would allow me to choose a much favorable interest rate. They also have hidden other lender approvals from me, who offered lower interest rates. This was done in order to sell the contract to a lender at a higher price. * Dealerships are running my credit and sharing my information without my permission after I signed documents stating that I did n't want my information shared and I did not want my credit ran, because I was already qualified for a loan. Dealerships and lenders are lending to people they favor and are not basing qualifications off of credit scores. They are making decisions based off how much information the consumer has. Because I have knowledge of financing and how APR is initiated, I believe that I have been discriminated against in a form of retaliation by way of lending refusal and high interest rates. -
10/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • MD
  • 21222
Web
I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX XXXX claims still unpaid and unresolved. And XXXXXXXX XXXX assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed XXXX, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of XXXX violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a XXXX or longer. I am owed roughly XXXX XXXX XXXX in unemployment money. I wound up homeless and lost my XXXX XXXX backed mortgage waiting on nothing to happen. And my XXXX sent the XXXX to my home to have me arrested and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received XXXX of letters, emails, calls, etc., from me and NOBODY responded over a XXXX period. Which prompted a congressional XXXX complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this! I have XXXX years of job experience. Length of job portion of this was due to the COVID lockdowns and unavailable jobs. And delayed unemployment. And you can see the rest in the details above. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and just reestablished myself XXXX months ago. Without any agency designed to assist help. They denied me too. You give it drug addicts, drunks, prostitutes, criminals, and people who steal from others. Not legitimate people who do what they are supposed to do that you hawk for something to get them on versus looking at yourself as the problem.
01/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 021XX
Web
Before my car was repossessed in XX/XX/2021 XXXX was harassing me calling in upwards of three times a day. I reported the obsessive harassing phone calls and they put a stop to the phone calls but now my problem is not getting my statements on time and XXXX is not reporting it to the credit bureau accurately. I received a statement on XX/XX/XXXX that implied, as you will see by the attachments that I was three months behind when I wasnt even 30 days past due yet. Please refer to the attachments the information doesnt match up to when they are reporting my account to the credit bureaus either. I received a notification today through XXXX that my account is 30 days past due but according to the notices I received LESS than 30 days ago they say Im 90 days past due???? I believe this is all in retaliation for me putting a stop to their collection calls as soon as you are late they start calling up to three times a day. Its harassing not to mention the amount of money I owe on this loan doesnt make any sense. Even the worst car loan out there after paying it for a year you would see more than a {$20.00} drop in the balance. I reported this Company before being deceitful and dishonest but I didnt want to follow through with it because I just wont have time and Im a single mom but I am trying really hard to work on my credit in this company is set on preventing me from obtaining HOME OWNERSHIP reporting INACCURATE info AND not sending out an invoice to me in a timely fashion for me to pay it. On top of having incorrect information on the statement that I just received. This company is dishonest and unethical and just plain unfair. They prevented me from being able to pay all my past due when they took my car and it took twice as long to get it back because they kept adding fees and giving me instructions to pay the bill that were bogus. I have attached my informed delivery to prove when I received the LATEST BILL from them Which by the way says that its not due until XX/XX/XXXX yet the statement date is XX/XX/XXXX and it didnt get into my mailbox until XX/XX/XXXX?? Thats directly in retaliation to me stopping they are harassing collection calls because I know my rights as a consumer!
11/18/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92040
Web Servicemember
I opened a car loan with Consumer Portfolio Services , Inc back in XX/XX/XXXX and did a voluntary surrender of my vehicle in XXXX XXXX due to the following reasons ; 1. unable to pay down the principle balance since XX/XX/XXXX Original loan amount was- {$21000.00} Interest paid- {$18000.00} Principle paid- {$1700.00} Additional fees- {$1400.00} So, in 5yrs over {$18000.00} was paid in interest alone and nothing towards the principle balance. Consumer Portfolio Inc, was never willing to explain why I paying so much in interest and continued to add late fees and interest on top of interest. Recently, I received a letter from CPS, Inc dated XX/XX/XXXX on XX/XX/XXXX which was an " Explanation of Calculation of Surplus or Deficiency ''. I contacted CPS, Inc on XX/XX/XXXX to get my balance and see if I could set up a payment plan for the remaining balance. The total amount due on the letter is {$11000.00} and when I called they stated my balance was XXXX, when asked why the difference from the letter I was told I was 159 days past due when I disputed the fact CPS, Inc could not provide an explanation and I was transferred from person to person. Finally, I was told that on the {$11000.00} balance that I was being charged {$4.00} a day/ {$130.00} per month in interest and again I am back in the same boat with CPS Inc , where I am only paying interest so I am in a never ending cycle of interest where in the end I will have paid almost $ 40k or more on a $ XXXX car that was bought in XXXX. They have been unwilling and unable to explain the fees and interest to me nor have they wanted to work with me during these difficult times. I have done research on this company and noticed several lawsuits and complaints regarding the same issues with people never being able to pay down their car loans. At one point they were calling me several a times a day harassing me and making threats for me to pay hence why I made the decision to surrender the vehicle because even after making my monthly payments since XXXX I was still unable to pay it off. Even as of my most recent call with CPS, Inc XX/XX/XXXX I am still being bullied and forced to pay outrageous interest fees without explanation.
05/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20874
Web
When I was young in the XXXX just starting out in XXXX I bought a car using Consumer Portfolio 's as the vehicle loan owners. Not shortly after buying the car from a shady car dealership I was in an accident. The car was totaled. I arranged for the insurance company to look at the car after I came back from a shorty underway on our ship. I returned to my car being gone and I was told by the towing company that the dealership picked it up. I called the dealership and asked for it back because I wanted the insurance company to look at it and be able to pay it off. They said that it was given to CPS and that they did n't have it anymore. The dealership laughed and laughed while I was on the phone begging them for the car back so I did n't get stuck with a loan and no car. I contacted CPS and they stated they never had the car and that I did n't have insurance. I stated that was n't true I made payments to geico that was set up through the dealership. They stated there was nothing I could do or prove. I continued to pay for this loan throughout my career until I had a son and no longer could afford to pay for a car I did n't have. Now in XXXX, they still call and harassment for an amount on this car I have n't seen or had. They could n't tell me what happened to the car. After years of dealing with this company they finally pull a story out of no where about the car and how it was all my fault. The dealership was shut down and no one there to give me answers. They harass me and try to get my address over and over and threaten to take me to court or take my taxes. They continue to report this on my credit even though its well past six years and they no there records are wrong. How does my amount of how much I owe them continue to go up. I get calls late at night sometimes from a weird number and answer and its them. I 've spent all of my XXXX career trying to fix this issue, as I know they took the car so the insurance company could n't do a pay off and if indeed my insurance was n't paid for I know this company worked hand and hand with the car dealership XXXX to do this to me.
07/15/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 63033
Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
10/19/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • LA
  • 708XX
Web
I financed a vehicle through Consumer Portfolio Services ( " CPS '' ) on XX/XX/XXXX by means of a fraudulent loan that made material misrepresentations of the finance charge. According 15 USC 1605, the finance charge must cover insurance premiums, but the contract has an unconscionable adhesion agreement that binds me into paying for my own insurance. The fourth page of the Contract states that [ y ] ou agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must also include our interest in the vehicle. This is a pattern for CPS. I spoke with a supervisor at CPS, who confirmed that CPS never covers insurance. On XX/XX/XXXX, I rescinded the contract and demanded a refund in the amount of {$16000.00} pursuant to 15 USC 1635 in a commercial affidavit of truth that required a rebuttal and listed approximately 11 code violations. CPS never rebutted that affidavit, but instead sent me a letter acknowledging its receipt of my affidavit, making derogatory statements, and proceeding to demand payments from me. That letter was dated for XX/XX/XXXX. CPS CPS has NEVER denied any of the allegations or made any attempt to prove that the contract is valid and has refused to issue me a refund as required in 15 USC 1635. Not only is CPS refusing to refund me XXXX in payments as required by law, but I have spent approximately {$18000.00} on unnecessary insurance premiums. The fees charged by CPS are not a finance charge. CPS is simply using adhesion agreements to cover its fraud. CPS is illegally pocketing this money and intends to use its bogus contract as a frivolous defense. There are hundreds of thousands of consumers that have been affected. CPS has not taken any action to terminate the security interest on the vehicle so there remains a threat of unlawful and illegal seizure in retaliation for asserting my rights. CPS has a long history of complaints with the FTC, XXXX, and class action lawsuits.CPS is fully aware of its misconduct and does not intend to make this situation right.
10/25/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AL
  • 360XX
Web Servicemember
I am disputing the fact that Consumer Portfolio Services still says that I owe a balance at the end of my loan. I attempted to send a certified letter to CPS on XX/XX/2022 as instructed on their website and the form that is provided for official disputes. This letter was returned by the post office on XX/XX/2022 with a stamp saying that the address that was listed on the letter and envelope was an insufficient address. I have provided a scanned copy of the letter when it was returned to me today. As you can see by the letter that was included, I used the address as instructed on the form. I also listed the contract for my vehicle. If you look on the second page, Section 1 C : Finance Charges and payments ... .. How late payments or early payments change what you may pay ..... . " we based the finance charge, Total of payments, and Total Sale Price shown on the front on the assumption that you will make every payment on the day it is due. Your finance charge, total of payments, and total sale price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. '' My original final payment was due XX/XX/2022 ( see attachment ). Consumer Portfolio Services did not send any notice regarding how the additional changes, if any, would be handled-per the contract. I, therefore, declare that there were no further charges and request the title to this vehicle. This has caused great stress to me. I have XXXX, XXXX, and XXXX and it has exacerbated symptoms that I thought I previously had under control. I have tried contacting CPS per their instructions but have not any any success. Arbitration is what is listed for a dispute, but I have also included a copy of their arbitration form and as one can see, it has the same address as the form that was returned for insufficient address.
09/22/2019 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
  • 75090
Web
Inquiry date- XX/XX/XXXX XXXX XXXX cbna PO Box XXXX XXXX XXXX , sd XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. Respectfully, Inquiry date- XX/XX/XXXX Consumer portfolio svc XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear consumer portfolio svc, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. Respectfully, - Inquiry date- XX/XX/XXXX XXXX XXXX XXXX RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. Respectfully,
01/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • FL
  • 32256
Web
End of XX/XX/XXXX Consumer Portfolio Services who are registered in Nevada, but operate out of California extended me an auto loan through a car dealership in Florida. I signed loan paperwork on XX/XX/XXXX and drove off with my vehicle thinking I had secured basic transportation for my family and I. A few days after I sign paperwork that says I have a car loan the dealership calls and says the bank wants more information. They need canceled check from my direct deposit. I send them what I was forwarded by the accounting department of the company. Another week or so passes by and the dealership calls and says the bank still isn't satisfied, they want bank statements. I sent those and a week or so later the dealership calls and says the bank isn't going to finance the loan at all because I took to long and they think I'm a fraud, which is very ironic. So many violations have been made throughout this buying process. I will point out the Trustee from Consumer Portfolio Services signed off on a report just two months ago saying they would not break laws. I have paperwork that says I have a loan and them backing out is fraudulent. Requesting all the extra personal information after signing paperwork is a violation of the Privacy Act of 1974. 16CFR 433.2 states preservation of Consumer claims. 17CFR424 states that they will not commit language fraud. They are also operating out of a state other than the one they incorporated in. 16CFR 444.1 states that my signature is the security for my car loan. There should not be any reason for them to take me through so much when I am already going through it in life. I lost love ones to XXXX XXXX during this whole process and have been stressed to the max with the shady tactics of Consumer Portfolio. Services. This has caused mental stress and anguish. I do not want another Consumer to go through this during the buying process. Purchasing a car should be a simple process, but these fraudulent law breaking techniques make it a nightmare for so many including myself.
12/09/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 15237
Web
Hello Ive been trying to get in touch with consumer portfolio to ask if they would please help me with my payment. My payments have been half payments have been making a payment, but they still want to repossess my car. I called as early as today XX/XX/2022 to ask for help and keep getting pushed around. I need help so I can half my car because I have chronic illnesses and I need to get to work. I do make a payment but its not a full payment. Im axing them to please lower my payment, but they keep refusing. I need help getting this company to help me through this process I am, not sure why the car dealer went with this company because I had no debt when I traded in my old car for the present one that I have I checked with my credit and seeing that I have paid the car loan down significantly and Im just axing them to please have some understanding and help me through the process of getting back on my feet so I can continue to pay my car loan off I have not missed a payment Ive just been paying what I cant which would be at half payment and then try to make the payment up or Im just asking them if they could get rid of the of the fees and interest on a loan until I get caught up. No one will return my call when I text or email they refer me to the manager who will not get in touch with me. This has been going on for three months, I heard from the manager this past Monday letting me know that my car was going to be repossessed. I asked him not to do that because I have to make a payment and he instructed me to hide my car so that it wouldnt be taken I said why would I hide my car if Im axing you to help me with the payment by just lowering it or taking a half payment and allowing me to make it up at the end he replied that his manager does not allow that and instructed me to hide the car. Please help me with this matter. If you quit by. This is the second letter I have sent to you about consumer pro folio services. Thank you for your time and Ill wait for your response.
08/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 45014
Web
UPDATED Address : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( since XXXX ) I am filing federal trade commission ( FTC ) disputes against credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX for purposely posting false and inaccurate no non-sense inadequate info onto my XXXX, XXXX and XXXX credit reports. XXXX credit bureaus staff are careless and lazy and is continuing to ruin my credit profile by constantly lying posting bad things on my credit reports to keep me from gaining any NEW Established credit with creditors and or renting an apartment lease after filing bankruptcy. I deserve a fresh start such as any other consumer. I HAVE HAD ENOUGH of the unfair credit bashing against me from all 3 National Credit Bureaus PLUS XXXX XXXX for no reason., All 3 credit bureaus are continuing to bash my reports with nothing but lies. Please NOTE : I only have one acct. open with XXXX XXXX ONLY! Its current and thus far... never late. XXXX... XXXX, please act and ENFORCE these 3 National CREDIT bureaus plus XXXX XXXX bureau to STOP placing lies on my credit reports ASAP! OMG, let these 3 Nationals Credit Bureaus plus XXXX XXXXXXXX bureau tell it to the CREDITORS, Bureaus are telling creditors my credit ratings are in complete bad dire straits with all creditors on my credit reports WHICH IS FALSE! Seriously how can this poor credit scores after paying of $ XXXX of student loans OFF have this kind of poor and I mean XXXX poor kind of a XXXX scores on all of my credit bureau files? HOW? Even when I only recently have filed bankruptcy on XX/XX/XXXX. I have been discharged and now there is only 1 ( ONE ) creditor AND THATS XXXX XXXX XXXX my recent car loan PERIOD! Neither one of the 3 credit bureaus NOR this fake company called XXXX XXXX dont have not one XXXX thing correct on my credit file. Tons of Tons of Fake inquires that I never and I MEAN NEVER ever applied for, DEMANDING that all of these tons of tons inquiries be removed IMMEADIALY from my credit reports ASAP!
11/28/2020 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
  • CA
  • 92557
Web
To Whom It May Concern, I am filing this complaint for violation of the Fair Credit Reporting Act, 15 USC section 1681. On or about XXXX XX/XX/XXXX ] I obtain three consumer credit reports from the three ( 3 ) major credit bureaus XXXX, XXXX and XXXX. At this time I notice and found an inquiry by [ Consumer Portfolio ] to obtain my consumer credit on XX/XX/XXXX. I have never had any business dealing with [ Consumer Portfolio ], nor have I applied for any credit or services, or employment as defined in 15 USC section 1681 ( b ), neither have I executed any contracts resulting in an account in favor of the [ Consumer Portfolio ]. On XXXX XX/XX/XXXX XXXX, [ Consumer Portfolio ] obtained my consumer credit with no " permissible purpose '' and appears to be a violation of 15 USC section 1681 ( b ). I am filing this compliant with the Consumer Financial Protection Bureau, XXXX XXXX XXXX and Attorney General notifying [ Consumer Portfolio ] of their violation in an attempt to mitigate future damages and obtain settlement from [ Consumer Portfolio ] prior to filing any legal action. At no time did I give the [ Consumer Portfolio ] permission to obtain my consumer credit report from any credit reporting agency. The actions of the [ Consumer Portfolio ] in obtaining my consumer credit report with no permissible purpose or my consent was a willful violation of 15 USC section 1681 ( b ), and egregious violation of my right to privacy. [ Consumer Portfolio ] had a duty to properly as [ Consumer Portfolio ] had a right to collect, resulting in [ Consumer Portfolio ] obtaining my consumer report. Therefore I may be entitled to damages by operation of law. I demand Consumer Portfolio remove the inquiry from Consumer Portfolio my consumer credit report. certain if there was in fact any legitimate permissible purpose for obtaining my consumer credit report. [ Consumer Portfolio ] however breach said duty by failing to do so. There was no account that Sincerely XXXX XXXX
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • XXXXX
Web
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11210
Web Servicemember
These companies broke the law and violated XXXX USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached EMPLOYMENT INFO : XXXX need to remove & updated ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to remove & updated Inquiry details XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MA
  • 02720
Web
Consumer Portfolio Services you have violated section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) section 807 ( 7 ) of the Federal Debt Collection Practices Act ( FDCPA ) and Federal Trade Commission ( FTC ) because you have responded to my multiple disputes with the credit reporting agencies in regards to this account. According to the FCRA, FDCPA and the FTC Notice to Furnisher Obligation of Furnishers you are REQUIRED and Obligated to provide NOTICE of DISPUTE within 30 days after a consumer file a dispute with the consumer reporting agency. According to the consumer reporting agencies and my consumer report in multiple times in 2023 but did not furnish to the credit agencies that the information is disputed by consumer as REQUIRED according to the FCRA, FDCPA and the FTC. This a serious violation of section 623 ( a ) ( 3 ) of the FCRA, violation of section 807 ( 7 ) of the FDCPA and the FTC and grounds for deletion of this account. The required Notice of Dispute still doesnt report or appear on my consumer report as of today XX/XX/2023, 120 plus days after Consumer Portfolio Services responded to the credit reporting agencies re-investigation multiple times in 2023. I have provided as proof documentation multiple XXXX consumer report and Identity XXXX XXXX XXXX neither reports showing the required Notice of Dispute. I have also provided as proof documentation a copy of the section of the FCRA, FDCPA and the FTC pertaining to my dispute highlighted for your review. Because of this FCRA, FDCPA and FTC violation committed by Consumers Portfolio Services I request that Consumers Portfolio Services update this account to show No Data for the month of XXXX and XX/XX/2023 or update this account to show paid as agreed for XXXX and XX/XX/2023 or delete this account from my consumer report for violating section 623 ( a ) ( 3 ) of the FCRA and violating section 807 ( 7 ) of the FDCPA and FTC pertaining to Notice of Dispute.
07/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MD
  • 21044
Web
We are having issues with our auto lender, Consumer Portfolio Services. I signed a finance contract in XXXX which told me how many payments and what the finance charges would be, I am about 18 months from the maturity date of my loan. Looking back at the payments as the lender has applied them, there have been signficant time periods when they have applied the entire monthly payment to the interest and not the principal. For instance, the original amount financed was {$19000.00}. Because of my credit, the interest rate was 23.45 % and the finance charges were supposed to be {$16000.00}, for total payments of {$35000.00}. Looking at my payment history, I have paid {$21000.00} in interest payments and only {$3800.00} towards the principal. The term of the loan was for 66 months at the rate of {$540.00} per month. There have been months when I have been late and I have added 2 payments to the back end of the loan because of hardship reasons. However, at this point, even if CPS were to apply all my future payments now towards the principal and nothing towards the interest, it would take over 29 months to pay on the loan. The maturity date is supposed to be XX/XX/XXXX. The terms of the contract, which state far after the Federal Truth-In-Lending Disclosures that the lender can apply whatever portion of my payment to principal vs. interest that the lender wants at their sole discretion. I do not understand how this works and how I will ever have this loan paid in full when I can not tell from the payments how they apply principal v. interest. When I have asked CPS about how it can make it so that I make payments for an additional year after the maturity date and ask them to explain how they are not always applying the payment towards the principal, they are non-responsive. Is there a resource that I can turn to, other than the lender that I now do not trust, to better understand the terms of this horrible loan?
04/29/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OK
  • 74701
Web Servicemember
I contacted Consumer Portfolio Services in the first part of XXXX and let them know that I was suffering from the XXXX XXXX and was unable to make my payment and was seeing if there was any assistance that they could offer me. This is when I cam in contact with XXXX, the department manger with Consumer Portfolio Services. He stated that he was terribly sorry for the situation that I was in and stated that they could approve the extension for the months of XXXX and XXXX. I then started getting phone calls from them again and representatives stating they were calling to collect on both months. I spoke with XXXX again on XX/XX/XXXX, when he advised me that the extension for the month XXXX had yet to be processed and that the extension for the month of XXXX was not approved after all. The month of XXXX extension having yet to be processed, caused me to receive a credit marker as well as earn a late fee with the company and on my credit report when arrangements were already made with the company and thought to have been resolved to prevent the credit marker. Then, to be released from the hospital only to find out the company had not processed anything for me and now I have the late fee and credit marker removed. Not to mention I had to take the last of my rent and medication money to pay the XXXX payment that he advised was approved for extension as well. I was then forced to submit a request for a " pre-approved '' extension on XX/XX/XXXX after expressing concern over the date on the document and that it made it look like I was requesting the extension late when I had originally requested them at the first of the month. All I was trying to do is get better and survive and took for granted that XXXX would do the things promised. Just to discover that they had not done anything promised, but instead, allowed interest, late fees and credit markers to accumulate during a time of DIRECT SUFFERING of national catastrophe.
10/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 338XX
Web
I purchased a car XX/XX/XXXX for the total purchase price of XXXX with tax. The only bank that would approve the loan was CPS due to some financial hardship in the past. The monthly payments were XXXX. After making XXXX payments of XXXX, I noticed that I still owed XXXX After speeking to an extremely rude lady, I was told they took all the pyment ( including the extra ) for interest. They say it is a simple interest loan therefore they can do that. I asked where is the extra money going? I was told it was paying for the 12 monthly fee to pay my payment on line, and since they never given me a physical address, I had no other way to pay. After contacting the Attorney generals office, they ha seemed to taken some fees off, but after XXXX payments, I still owed XXXX ( which seems to be there majic number ) ... I moved out of state and got behind due to not being able to find full time work. They have called everyone I know, including friends on facebook ( that have public phone numbers, and who where NEVER listed as contact people ... ) they were calling my job 10-12 times daily .... I had contacted them to try and make arrangements, and there solution was for me to make XXXX payments a month when they know I could n't even make one .... I also needed to change my tags over to the new state of residence and they refused to release the title to the state for them to issue me tags. So now it has been a year and my tags are going to expire in 2 weeks, and they wont pick the car up or release the information so I can get tags ... This is the worst financial company I have ever delt with, the GOVERNMENT need to shut them down and give us all every dime we paid them ... I have paid them a grand total of XXXX for a XXXX loan, and still owe XXXX???? are you kidding me??? please someone do something .. My credit is destroyed and I wont even be able to drive the vehicle because I cant get tags!!!!!
12/23/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • FL
  • 33024
Web
I 've filed a dispute with Consumer Portfolio Services regarding an account on my credit reports. I sent XXXX separate letters certified, however they claim that they never received my certified copies. I requested to proof bearing my signature that I owe this debt. I did not hear from Consumer Portfolio Services regarding my concerns. Based on the FCRA they are required to respond to each dispute requesting documents within XXXX days. I did not receive a response from the creditor, until approximately XXXX days later. I contacted Consumer Portfolio services in XX/XX/XXXX requesting signed documents and wanted to know why have I not received a copy of the contract. They then followed up with an email providing documentation. Upon reviewing the documents I noticed that the signature that they have on file is not my signature. I have been previously subjected to identity theft. I had a car dealer forge my signature, I took them to court and won that case.I have attached the court documents but due to non-disclosure, I removed the amount awarded and name of the dealership, but will say that the Dealer 's name on the contract submitted by Consumer Portfolio is an affiliate. The documents that Consumer submitted to me, looks identical to the signature that was previously forged by a car dealership. I have attached attached a copy of what my signature looks like as well as what Consumer submitted to be my signature. This is my last and final attempt to resolve this issue with Consumer Portfolio services. This account is only showing on my Equifax and TransUnion file. I sent this dispute to XXXX and based on their findings they removed the account. I will be be suing Consumer Portfolio Services along with the Dealership listed on their contract for XXXX of Identity Fraud. I have also attached copies of my police report concerning identity theft and Identity theft affidavit.
07/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • XXXXX
Web
Consumer Portfolio Services , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX To Whom it may Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on different credit reporting agencies for my consumer portfolio service account. Its showing 30 days late but I have documentation of payment with confirmation number below are 6 months of payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made a mistake in allowing automatic payments which the system didnt pull t I want you to know that I understand my financial obligations, and if it werent for fighting XXXX XXXX and got overwhelmed with everything, I do know that the automatic payment didnt pull the XXXX payment and I noticed 5 days after and paid it. I paid twice in XXXX as well to get ahead. If I paid on XX/XX/XXXX than it shouldnt be on my record saying Im 30 days late. I have all documentation showing pay dates. I was never late more than 30 days as it shows. My request is I am promised accuracy in my report based on federal law. I am making this cause an attempt to have these errors corrected on my consumer report under 15 USC 1681. All verified information must be promptly removed. As you can see in your system, you did not verify this information and validate it, so I request that you remove it. Thank you for your consideration
06/26/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • ME
  • 044XX
Web
On XXXX XXXX, 2015 I received XXXX separate phone calls from a XXXX XXXX with Consumer Portfolio Services. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST which I answered. XXXX XXXX indicated that I owed a balance on my loan of around {$9700.00} and wanted to know how I would like to pay the remaining balance. I informed XXXX XXXX that I make monthly payments on the account. She seemed very confused and confirmed that I was making monthly payments and then said that my account had just been placed in her department and she was calling to introduce herself. She said if I had any questions to contact her at XXXX ext XXXX. The conversation ended with that. On XXXX XXXX I again received XXXX separate phone calls from XXXX XXXX. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST with another voicemail being left. I returned the phone call and spoke with XXXX XXXX which I informed her that this was the fourth call she has made to me in less than a week. She said that she needed to know when I make my payments. I told her that CPS services my loan and should know when I make my payments. I asked her if the account was past due and she said no at which time I told her that she really has no need to be calling me unless my account is past due. She said that my payments are inconsistent at which I responded that they are usually made within XXXX days of the due date. I told her I work XXXX hours a week and I 'm attending school for my XXXX degree so, yes, sometimes making the payment on the exact due date does not happen. I told her that I have had this account for almost a year and that no one from CPS has ever called me to indicate that there was any issue with how I make my payments. I informed her to not call me again unless my account falls past due.
08/22/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • PA
  • 170XX
Web
This predatory loan was issued to me a ywar after XXXX XXXX bankruptcy. It came with a {$440.00} payme on a {$16000.00} car and a 21 % interest rate. Any time Consumer Portfolio gives even a 1 day " extension '' they consider that assistance and use it against you later. I've fell behind at very points during my loan but always caught back up. Back in XXXX I was granted a modification. Shortly after I was hospitalized for 2 months due to covid complications. I was unable to make XXXX or XXXX payments or the RIDICULOUS late fees that I was told would be included in the modification but they werent. Once I got out and went back to work I tried working with CPS. They just told me to find a friend to borrow money from. I managed to talk my dad into helping me out. He's XXXX years old and barely had the money to help but he mailed them a check. I informed CPS of this and they said they'd hold off repo until they got it. To this day they say they haven't gotten it but the check was cashed. My dad then refused to help me again when they started saying they received nothing. I was getting paid on XX/XX/XXXX and though I'd be able to pay {$900.00}. Unfortunately when I got my paycheck it was half the amount thay it should have been. When I talked to payroll they said that I had to " pay back '' days I took that I didn't have sick leave for. They said my 1st full pay will be XX/XX/XXXX. I tried to get a modification or extension with CPS and after ignoring me all weekend today they once again emailed me and told me to either ask a friend or relative because my car is goint to be sent out for reposession. When I mentioned that I was looking into XXXX XXXX bankruptcy they became more aggressive about reposessing my car. When I asked for a modification since my paycheck will be normal in a few weeks they just refuse and hold any previous help against me.
05/03/2022 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
  • 30022
Web
On XX/XX/XXXX I filed a complaint on Consumer Portfolio SVC. Consumer Portfolio SVC is refusing to remove " DEROGATORY '' and inaccurate information from my XXXX credit report as XX/XX/XXXX. 1 ) In my XXXX profile Consumer Portfolio SVC is currently reporting the original loan balance as {$13000.00}. On my XXXX Credit Report it states the original loan balance {$12000.00}. There are inconsistency in the original loan balance on two of 3 of my credit reports from Consumer Portfolio SVC, therefore I'm requesting all inaccurate information from Consumer Portfolio SVC be removed immediately. The account is closed! 2 ) This account has been settled and paid in full in XXXX, has never been late. Therefore Consumer Portfolio SVC is in violation, as a consumer I have right to a accurate credit report. This must be removed immediately. 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Consumer Portfolio SVC has abused, violated my rights as a consumer, I will take legal action against Consumer Portfolio SVC if all this information isn't removed immediately!! And I ask Consumer Financial Protection Bureau open a thorough investigation into Consumer Portfolio SVC of how they handle consumer credit reports.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 919XX
Web Servicemember
In XXXX of XXXX my husband ( XXXX XXXX XXXX and I filed for bankruptcy. We did NOT include our auto loans with Consumer financial and XXXX XXXX in that bankruptcy and payments to both lenders were made outside of our trustee payments directly to the lender. Both loans have been paid in full as of XX/XX/XXXX. We have received both payoff letters and the titles for both vehicles. However, both lenders topped reporting our payments to our credit in XX/XX/XXXX and both lenders have our status listed as " Debt included in or discharged through bankruptcy XXXX XXXX ''. Neither of which is true. When I reached out to XXXX portfolio, they stated that even though the loan was not included and was paid in full, they report it that way because we filed. They refused to update that the account was PAID. When I reached out to XXXX XXXX, they informed me that they had purged our account from their database and therefore could not help me but also stated that they didn't see that the account was 'discharged ' but could not view any other account details. They also refused to update our credit report. This is creating credit issues for us because not only did they stop reporting to our credit in XXXX, which prevents our credit score from improving, but also show that the loans were XXXX. The entire purpose of us not including them in our bankruptcy was to try and preserve our credit by continuing to pay the loans as agreed which we did. Not only did we pay as agreed, but we paid the loans of EARLY! Attached are our bankruptcy docs showing that the loans were NOT included, the payoff letters from both companies, and how they are currently showing on our credit reports. We need to get these updated to be ACCURATE because to lenders, it looks as though we did not pay off these loans and can not get a new car loan because of this.
08/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 959XX
Web
On XX/XX/XXXX i purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX california for {$22000.00}. I put down {$2000.00} and financed the rest. I was financed by Consumer Portfolio Services Inc. in XXXX CA. The amount financed was {$22000.00} and the loan term was {$560.00} for 72 months. During the past 6 years I had the loan I deferred 4 payments due to financial issues. I haven't had any late or missed payment since XX/XX/XXXX. I have made a total of 72 payments, which were the loan terms, and yet when i go to my account it shows that my loan won't be paid off until XX/XX/XXXX and I owe {$7200.00}! I have no idea why this loan isn't paid in full yet since my final payment stated in my original loan paperwork was to be XX/XX/XXXX. There's no way possible that I can still owe such a high amount after making all the payments on the loan. I have called several time to the lender to try and get an explanation and I never get a person, only voicemail. I leave a message and nobody ever calls back. I've also filed an online complaint through their website and have received nothing back from them. I don't feel that I owe anything more to them since i've made all the payments plus there's no way that the balance could still be so high. I also don't think it's legal for them to change the loan maturity date without my consent. To top it off, this car has been in the shop repeatedly since the first week I bought it to the tune of {$13000.00}! Currently it sits in my driveway and I can't even drive it. I need to get rid of this car but I can't because the loan amount never goes away! This company is a predatory lender and I want it to stop. I've fulfilled my end of the deal and then some, they need to deem this car paid in full and give me my title so I can finally get rid of this piece of XXXX.
10/11/2017 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
  • PA
  • 19146
Web Servicemember
Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of CONSUMER PORTFOLIO SVC, XXXX XXXX and XXXX we on my report. Number one I ca n't drive because I have XXXX XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
06/08/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 20774
Web
I purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXMy Salesperson was XXXX XXXX. The financial person didthe additional fees to make payment each month on my loanwith Consumer Portfolio Services, INC ( CPS ) locatedXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX went to make my XXXX payment the customer servicerepresentative that you have to {$12.00} for each paymentI informed her that no one told us that. On the statementthat was mail to us, it does n't say nothing about any feesI told her that was wrong for your company not to informedthe customers of this fee before signing the loan or on the statement. I had to transfer additional funds in the amount for this. If you pay online itsa {$12.00} or over the phone. She informed that it 's not on thestatements, only when you call to make your payment we letyou know about the fees. I called the XXXX XXXX, themanager at XXXX to let them know this is not rightthat CPS have hidden fees with my loans. I told him thatI told XXXX XXXX my budget, due this additional fee I wentover my budget to make payment on my car. I was mad Ithink this is a way to get over customers. On XXXX XXXX, XXXXXXXX. XXXX called CPS to asked them if something can be done, customer servicerepresentative said no, this the way CPS let customerknow about any fees. The dealership was not aware of theseany additional fees. I told the customer service Rep thatother companies have the fees on the statement why CPSdo n't do that, she said this is the why we do things. I told herI told I left over XXXX messages for a manager to call meregarding this matter, NO ONLY never called me back. her I was going to report this to XXXX State Attorney Officethis is so wrong, please look into this. I saw that investigationon XXXX and XXXX for the same thing. Please go afterthese people.
05/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MI
  • 480XX
Web Servicemember
The Vehicle was awarded to me in a divorce settlement, I am trying to talk with someone to get the loan straightened and have also sent them payments which they have accepted. Have not been able to speak to a person at Consumer portfolio services. They sent XXXX XXXX XXXX located in XXXX Michigan to my house at XXXX XXXX XXXX XXXX in XXXX Michigan on Sunday XX/XX/2019 at about XXXX XXXX, I found the driver in my garage and told him to get off my property he was threatening me, telling me he was taking the car and told me I was not stopping him and then went to his truck and laid on the horn and was yelling I have a repo here, this continued for about 2 minutes, he then went around the corner blowing his horn and continued to yell out the window. Last night on XX/XX/XXXX at about XXXX XXXX, I was walking a block over and heard a horn going off, I got back on my block and XXXX XXXX XXXX was back in front of my house with there lights on and again blaring the horn yelling repo, we have a repo, they were also yelling at my minor son, there were 2 men in the truck this time, I have them on video, I advised them to stop and the guy was yelling profanities at me and he was yelling I should pay my bills, I called the police, also my gf advised them they were going to be maced if the did not leave, they left about 2 minutes before the police got there, the police issued us a complaint for the company acting in a disorderly manner and told is to call them back if they showed backup. They have also went to my ex wife 's house at about XXXX XXXX at night and tried to order her to open a barn and put her dogs away. I want this harassment to stop now, I am trying figure what I still owe, I have already paid, XXXX on a XXXX dollar loan. The complaint number from XXXX Police Department is XXXX.
07/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • FL
  • 322XX
Web
On XX/XX/XXXX I spoke with Mr. XXXX from Consumer Portfolio Services on his direct line at XXXX in regards to my loan and struggling to pay it due to financial hardships with COVID-19. After bringing it current in XXXX with almost {$2000.00} worth of payments that drained my 401k, this company refused to offer any assistance above and beyond the 1 month extension that is available every six months on their loans. I called in XXXX to request a voluntary surrender - and reached a manager that refused my request and changed my due date instead as thats the most they could offer to assist to keep my account current. When speaking with Mr. XXXX and him continuing to reiterate that their company had no other options to assist me with my payments - I requested a voluntary surrender. He agreed and advised he would expedite the order. I requested that he have the repossession company call me before coming to secure the unit and if the call did not go through for the agent to text me - neither happened. In fact, on XX/XX/XXXX I looked outside to find the unit was gone with no contact attempts made to me. I reached to Mr. XXXX - he never called back. Upon contact with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX FL, they advised that the voluntary surrender order was sent over as a do not contact customer. Which is 100 % opposite of the discussion had with Mr. XXXX on XX/XX/XXXX at XXXX eastern time in a 16 minute conversation that was had. This was a wrongful repossession in my eyes. I had even discussed how I could go about simply surrendering my car to an auction directly - but that was essentially shrugged off. All I wanted was to avoid additional fees and costs added to my loan balance from a repossession company getting involved. That was obviously not cared about in the least.
08/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 62702
Web
Hi, I have received the results to my previous complaint. Not only has XXXX XXXX XXXX inaccurately reported my account to the credit bureaus as included in bankruptcy for the past XXXX years, now they have changed it to collections. XXXX XXXX XXXX has responded saying that I have signed a contract for this debt. I have not received this signed contract. A lawful contract has all of the XXXX elements. XXXX. Full disclosure I was not told that I would be creating the credit with wet ink signature XXXX. Equal consideration ( XXXX XXXX XXXX brought nothing of value to the situation and therefore had nothing to lose ) XXXX. Lawful terms and conditions XXXX. Wet ink signature of both parties. at this time, I am requesting validation of original debt. Please send me a signed contract with all XXXX elements mentioned above. I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g I demand a full file disclosure in pursuant to 15 U.S. Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. I have reason to believe and do so believe, without all requested documents herein there can be no proof of claim by Consumer Portfolio Services and Consumer Portfolio Services would be liable for creating a false and deceptive form under 15 U.S. Code 1692j
05/24/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • AZ
  • 85345
Web
I received a loan from consumer portfolio services in XXXX of XXXX, in XXXX I contacted them to advise them I would be a week late on my payment. At that time I was told my car would be repoed and I could not be late. The representative told me my due date would have to change. I told them I did not want my due date change, they changed it anyway. I requested for them to change my due date back to the original date when I saw on my next statement. They told me I was not able to request another due date change. I told them I never requested the date to be changed to begin with. They were no help. Further into the loan I requested for XXXX extensions total. It would change my maturity date from XXXX of XXXX to XXXX XXXX. My maturity date now is XXXX XXXX. I asked why my maturity date was added by 9 months. The rep tried telling me that i requested XXXX due date changes as well which adds to my due date. Which is incorrected I never requested XXXX, non the less XXXX. They lady at that time told me she could change my due date back to the original date. Why did this not happen when I first asked? She would not give a valid reason.I also show in 4 years I have only paid XXXX toward a XXXX loan. I will owe thousands of dollars after my maturity date. They change my dates without request, add money to my account that is not legitamate. There is illegal handling of my account, when I ask why I still owe so much money after my loan ends they can not give me a legal valid reply. They tell me a supervisor will contact me but never does. They do n't make accurate notes on my account on what the conversation entales. They make endless excuses about my account and why I will owe so much after. They have harassed me and my family multiple times througout my loan with them.
07/04/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 95695
Web
The car was repossessed in XXXX, I paid the amount that was asked for me to get possession of the car. XX/XX/2019 I was involved in an accident I hydroplaned at night on my way to work in an extreme rain storm. The car is not wrecked but the computer was damaged due to the high level of water in the ditch. I spoke to Consumer portfolio in XXXX after the incident and they had stated they would come and pick the vehicle from outside my home and sell it in auction and I would owe the difference. We both agreed on that, in XXXX the car was still outside my home and they are now refusing the agreement we had which was recorded on the phone by the company. They said in XXXX when I did speak to them that they will not reposes the vehicle it is my problem and they will do nothing until the full amount of the loan is paid off. It is now XXXX and the car is still in my possession but I can not do anything with it since the company still holds the title to the vehicle. The car has now received a ticket to be moved and I can not sell the vehicle or do anything with it. I would like them to honor the original agreement we made over the phone in XXXX that they will come and get the car and sell at auction and I will be responsible for the remainder of my loan after the auction amount is credited to my loan amount. As well as them removing the insanely amount of late payment charges they have applied to my loan amount since XXXX which my case manager told me the company did on purpose with malice intentions of charging me the insanely high amount of late charges plus my monthly payment. I have looked up this company on your website and have found many other stories like mine of this company unjustly charging customers and also refusing to pick up surrendered vehicles.
09/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60643
Web
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX XXXX ) of any sort. In regards to The company XXXX XXXX XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
04/29/2019 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
  • GA
  • 31705
Web Servicemember
To : CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Consumer Portfolio Services put several credit inquiries on credit report that I find to be problematic. I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. I wanted to file this as well and make sure this gets done. I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
02/04/2019 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
  • Investigation took more than 30 days
  • NC
  • XXXXX
Web
On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, CPS has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. In addition, CPS you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to XXXX, XXXX. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
09/06/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • KY
  • 415XX
Web
Ok so I purchased a vehicle in XX/XX/XXXX of 2017 and was financed with Consumer Portfolio Services. Everything seemed fine, and admittedly I was late making the XX/XX/XXXXpayment partly due to difficulties trying to pay them via phone. I decided ultimately to pay the bill by check through the mail. In XX/XX/XXXX a check was mailed to CPS. I never received any sort of correspondence from CPS regarding not receiving payment nor a bill for the month of XX/XX/XXXX. I was going to send a check for payment of the month of XX/XX/XXXX and then woke this evening to find that the vehicle was not in my driveway. I attempt to call CPS upon this realization and can get no actual person other than a recording. I then access the companies website and access statements sent to me and find that the only thing sent to me according to their website is the bill fore XX/XX/XXXXand nothing else. I have received no phone calls, no further mail, no email and they do have my contact information both personal and work. All attempts to contact CPS have been exhausted as this is sort of an emergency due to the fact that I do have medication inside the vehicle that was just filled yesterday and I have no way of getting it replaced due to law. No attempt was made to afford me the opportunity to retrieve personal belongings from the vehicle which I am especially bitter about. I then find that their website shows that my account was not credited for payment sent in XX/XX/XXXX. After further research I found that this is not an isolated incident and that this sort of problem seems to be rather normal for the company 's operation. I have also submitted a complaint directly to the company but have n't heard anything from them regarding this. The complaint was submitted today.
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NY
  • 11210
Web Servicemember
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) 72 months ( 6 years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies XXXX. XXXX. XXXX. please have this account removed and updated immediately thanks
10/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MI
  • 490XX
Web
My husband and I took out a loan for a used care with Consumer Portfolio Services in XX/XX/XXXX. The terms of the loan were explained as a 72 month loan. During the course of the loan, we did extend the loan by changing the date and putting payments off to the end of the loan on several occasions. The loan was to originally mature in XX/XX/XXXX but was extended to XX/XX/XXXX. My loan is current and I technically have 3 payments left and late fees that we have accrued, that I can not and will not dispute. Once the loan matures and the late fees are paid, Consumer Portfolio Services states that I will still have an outstanding balance of over {$4000.00} of extra interest that has accrued due to the 10 month extension. After talking with the company on XX/XX/XXXX, they informed me that the extra {$4000.00} dollars accrued due to the fact that we have a loan that accrues daily interest. We were mis-informed about this when signing the loan back in XX/XX/XXXX. We were lead to believe that the loan would be paid in full once 72 payments had been received. We have already been charged an astronomical amount of interest due to CPS being a sub-prime borrower, and now they add an additional {$4000.00} in interest, that continues to accrue daily. We will never be able to pay this off, if the interest accrues on a daily basis. These subprime lenders are taking thousands of extra money from people that can not afford it to begin with. Our circumstances occurred due to a job loss and lay off, and we do not typically have this problem with paying our bills. I do not want to have to pay an additional {$4000.00} on top of what we have already paid. How can we resolve this without hurting my credit or having a repossession if we can not pay this extra?
07/03/2018 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
  • Problem with personal statement of dispute
  • VA
  • 22030
Web
To the lender : Hello all, Im writing this letter hoping to finally get a resolution to an ongoing issue that Im having with Consumer Portfolio Services. Years ago, my vehicle was repossessed at the end of my loan ( I was behind in payments by 2 months when my loan matured ). My car was repossessed in XX/XX/XXXX. I recovered the vehicle in XX/XX/XXXX. Again, I recovered my vehicle and paid the balance of the loan in full. Since then, I have tried very hard to improve my credit and financial status. I am now trying to qualify to buy a home. ***CPS has reported to the credit bureaus, continuously, that not only AM I CURRENTLY 90 days late, but that I have an active repossession. CURRENTLY! *** I own my vehicle in full. You have your money. This reporting is hurting my ability to qualify for a home and prosper in other areas of my life. I have reached out to your accounting department to beg them to remove the item and that route has been unsuccessful. Ive been trying for months with no help. In addition, a recent report was entered from CPS that I was late again! How can this happen? ( screenshot below ) I understand that your company can leave those items on my credit for 7 years and that its up to your discretion as to whether you want to continue reporting this or not. Im at my wits end trying to figure out how to fix this and I am begging you for help here. Its been OVER four years since Ive paid the loan in full. Our business is done and was a win/win for both of us as far as your company receiving interests and fees, and me owning my vehicle clean and clear. Ive paid my dues. Please! Be kind and help me by removing the item from all three credit agencies completely. Thanks much for your consideration.
03/22/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TN
  • 380XX
Web
On MondayXX/XX/XXXX I called Consumer Portfolio Services to make a payment arrangement for the past due amount on my auto loan. I explained the circumstances and was directed by representative to follow up with my account representative by Thursday. On Tuesday XX/XX/ I received several calls throughout the day and was able to answer a call in the evening from Consumer Portfolio Services. My account representative named XXXX spoke with me regarding my account and asked me to share with him why I had fallen behind and etc ... I expressed the situation again and my intentions to pay. After being placed on hold twice, I was transferred to someone named XXXX ext XXXX who basically had me repeat the same information over, XXXX spoke to me in a very demeaning and harassing tone. I asked to be transferred and then spoke with someone name d XXXX ext XXXX and then XXXX XXXX. I asked to file a formal complaint with XXXX. She said she would speak to XXXX regarding the incident. On Wednesday XX/XX/ I called Consumer Portfolio Services to make some changes to a payment on my account. After speaking to the first representative, who verified my account information and then immediately said she wasnt authorized to handle my account, placed me on hold without further explanation, someone named XXXX came to the line asking me to verify account information with him, at that point I asked a general question and XXXX refused to answer the question and had a very smart tone with me. I asked to be transferred and the representative after him explained everything I needed to know. I have become anxious and irritated in my business dealings with Consumer Portfolio Services Representatives due to these experiences. I would like to file a formal complaint.
02/23/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 90706
Web
I paid registration fees for my vehicle in XXXX of XXXX .In XXXX of XXXX I refinanced my vehicle through Consumer Portfolio Service. Upon doing so I wanted to remove a Co-signer from the title. I was told by CPS that this would be an easy process and they would handle everything through the DMV. In XXXX of XXXX my vehicle was towed away from my residence and impounded due to lack of registration. I was then forced to pay {$600.00} to get my vehicle out of impound and when I contacted DMV to find out why it was impounded they stated No registration. Upon DMVs investigation they discovered that the process CPS was using to change my title put a pause on my registration for XXXX from finalizing and that also they wouldnt be able to issue my registration for XXXX until this matter was resolved. I then reached out to CPS in XXXX to find out what was going on and they informed me that theyd contracted a third party company to handle the title and to contact them, which I did. The third party company is was no help so I reached back out to CPS and asked for assistance with this matter. I informed CPS that not only was I unable to drive my car Ive been paying for but now I could not as much as park it at my residence because it would get towed again. So I was forced to seek out a storage facility in which my car has been sitting at for 3 months now. It is now XXXX and I pay {$300.00} per month to store my car so Ive incurred an additional {$900.00} in storage fees on top of {$600.00} impound charge. CPS lack of professionalism has caused me to lose over {$1500.00} all while still paying my car note and continues to seek payment instead of addressing my concerns. This matter has gone on over a year and quite frankly it feels predatory
11/20/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • KY
  • 40245
Web Servicemember
I had bought a car from XXXX XXXX dellership in XXXX of 2021 XXXX weeks after i bought it the clutch went out on the highway and the car was in the emergency lane and then towed of the road by XXXX to a parking lot on XXXX XXXX in XXXX ky i was told it had a full drivetraine warenty by XXXX XXXX and even with this in writing thay said it was not i was left in a parking lot for seven hours unitill a friend got off of work and came and pick me up i am a XXXX veteran who is XXXX XXXX XXXX this is how veterans are treaded in XXXX ky the finance companey Consumer Portfolio Services they were contacted that day the warenty and the dellership as well no one never made atemp to pick this car up a month and a half later the car still had not got pick up and soon came up missing i have try for weeks after the car went down to get help and got no help from no one i filled a police report and turn over the info to Consumer Portfolio Services with my insurance info for XXXX XXXX times the clame as of this day has still never been filled and i am getting harrast by them and by the insurance and the dellership there is foul play going on here from one of if not all three of them i don't have this car i have follow all laws they have the ones with shady past look up there history it speeks for itself i have contacted your office so many times for help still getting treated like XXXX by the credit bureas it did no good contacting you for help with them i was told you can handle this if i don't get some kind of help to get these low life criminals off my back i will take it public and filled a criminal complaint with the XXXX XXXX of the DOJ so i am asking one more time to help me this is what this office was set up to do
11/01/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • MN
  • 55434
Web
Hi, so I currently have an auto loan through Consumer Portfolio Services , Inc. And my concern and complaint it that they claim they are this ... " Consumer Portfolio Services , Inc. ( XXXX ) is a specialty finance company that provides indirect automobile financing to vehicle purchasers with past credit problems, low incomes or limited credit histories ''. But all of my billing statements they mail me, boldly state they are a debt collector and are collecting a debt. And also when calling me, me calling them, or them leaving messages ... they again, state they are a debt collector. My auto loan is not a collection, nor a debt that they are hired to collect on, so it really makes upset that I am being treated as such. I really do n't feel like this is legal and it does n't make for good practice of their company. Another thing, any time that I have ever been late on my payment ( which I 've never been more than a month behind ), they will call me over and over and over, and they will also call every single one of my 10 family members I listed as reference when I purchased my car, and was asked by the salesman for these names and numbers, and they are truly harassing me and my family by doing this. I 've asked them on several ocassions to STOP and they have continued to do it. And one last thing ... I 've made over {$7000.00} in payments to them since I got a loan through them in 2015 and only around {$320.00} has been made towards the principal of my auto loan. That is OUTRAGES!! My auto loan is the same amount due as what it was in 2015. I know this company has been sued in the past and they have a lot of complaints on them. I really wish I would 've known more about this company before buying my car.
05/23/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NC
  • 28273
Web
I have attempted consumer portfolio on numerous occasions dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX to try to make a settlement on this XXXX XXXX XXXX I that I have with XXXX miles on it. The car does not work and I can't do a voluntary repo because I'm in the process of trying to buy a home. I have spent over {$4500.00} trying to repair the car and over {$300.00} in rentals to get to work and to my son 's school. The car is smoking from under the hood, the car had a wiring blower recall, and it's not worth more than {$1000.00} at other dealerships. I have tried to settle for {$5000.00} and {$6000.00} back in XXXX when the company indicated they needed at least 80 % of the loan amount which I owe {$10000.00}. I said that's impossible the car is not working nor is it worth anything. They kept saying we will have the president review, we will have the supervisor review and then no response. They then add the payments to the back of the loan while they are waiting on this response and never contact you. This company has also been sued recently. Please assist in this matter. Now I have received an email today as of XX/XX/XXXX about an EXTENSION- I never asked for an extension. NEVER. This goes to show how faulty and fraudulent this company is! Enough is enough of this company. AND AN ADDITIONAL {$1100.00} has been added to the loan some how as the payoff showed around {$9900.00} last week. You can see all the payments I made and how they have been applied. The loan was only for {$13000.00} and I still owe $ XXXX. Something is WRONG! They indicated on numerous occasions it was nothing they could do and now they are adding some extension.
03/08/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 22191
Web
CPS has harassed me for years by calling my work place and cell phone at least five times a day each ( from about XXXX different phone numbers ). They 've contacted my supervisor, Benefits coordinator, ex husband, parents, friends and even the salesperson who sold me the car regarding payment. They have used threat tactics on my exhusband ( threaten to charge his card if I do n't pay by due date ). They 've taken payment on unauthorized dates, and threatened to pick up my vehicle if I was unable to comply when they wanted me to even though I was proactive and trying to negotiate with them due to a nasty divorce. They have embarrassed me to friends, family and coworkers. I tried to sell my vehicle and settle with them but because I was about XXXX short on the sale price, they did n't go through with it. They were not willing to negotiate but they were willing to bully and intimidate. I opted to voluntarily surrender the vehicle but they picked up my vehicle before I could. They never returned my plates and I never got a chance to obtain my personal belongings from the vehicle. I requested documentation and a full accounting of my account, and to date they have not responded to me but are still reporting to the credit agencies. They are reporting a past due balance and a charge off balance on my reports. Before the they took the vehicle they engaged in illegal harassment practices and I am sure they did the same when taking the vehicle. This company has also loss in a class action suit against them that I was unaware of at the time. My situation is n't an isolated incident, this is how they practice business. I am highly distressed over the negative impact this has had over my life and credit.
12/16/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 64083
Web
U.S.C. 1681 ( 7 ) 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 sc ( 6 ) ( BY ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number Please send the following information used to validate the validity of the invalidated items below ( dismote alter and explan The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute Also. the procedures vour company have in place to ensure each account is 100 % corect which i doubt. IF YOU CAN'T PROVE I YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING. In accordance with FCRA, 15 U.S. Code 1681e ( b ) Compiance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be under 15 U.S. 16810 Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I wil have no choice but to exercise my nght under FRCA and pursue legal action.
03/09/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • SC
  • 29607
Web Older American
My car was financed through a company by the name of Consumer Portfolio Solutions in XX/XX/2019. Since that month and each subsequent month, I was charged a {$12.00} fee for each payment made since the purchase date. Upon calculating these erroneous fees, which were NOT disclosed prior to financing with this company, the total is {$570.00}. I am requesting that the full amount of each fee is returned to me promptly. This company didnt include paying a fee in order to pay my car payment each month. Ive purchased vehicles previously and never had a company charge me a fee for paying my car payment. Lastly I would like a full review of this company and why there are hundreds of consumer complaints. Not solely due to my issue I described above, but the preying on those who are both low income and in the process of fixing their credit. I will explain how. How? There is no transparency of how/why/when my payment will go towards interest or principle? Ive called and spoken to representatives who dont know how to answer that question, get defensive and tell me to refer back to my car loan agreement. I immediately began to read and look for the answer in the car loan documents and low and behold, theres nothing! Many consumers on different websites/blogs are having or have had these same issues. These practices are both deceptive and discriminatory, as this company is well aware of the customer base that they serve. I am demanding answers to both of my issues outlined above promptly. I am also demanding a full and complete refund from Consumer Portfolio Services immediately. Taking money while never disclosing the information is deceptive and greedy in practice. Thanks
04/02/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 78233
Web
For the XXXX time in my life I purchased a car. I was advised by the dealership here in Texas that CPS was financing the car. That was XXXX. As of today, XXXX, I have yet to receive ANY documentation from CPS. However, today I did receive a dept collection call from them because the XXXX payment was due XXXX & I was late. I NEVER knew the payment date & the dealership was n't certain of the actual monthly amount. Back on XXXX, my wife scanned and emailed a copy of the receipts for the down payment, a complete copy of the contract we received, and pictures of the interior and exterior of the car. The reason so is because when I received a call from the CPS processor I was advised the car had leather interior and a XXXX stereo system. This is n't the case at all. My wife and I were very concerned and have tried desperately to get a copy of the paperwork the dealership submitted to CPS. CPS has failed to provide us with anything even the monthly statement. Then, when we made the payment today we were charged a fee of over {$12.00} for XXXX XXXX although my wife paid with her debit card. When we call we 're dealing with the automated system, and when we do get someone it 's always a processor or operator that ca n't help us. When they tell us we 're being transferred to the CPS branch it just goes to the automated system and back to another processor. We are concerned we 're paying for vehicle features we do not have. And, to make matters worse, we recently learned ( the manager of the dealership slipped up and told us ) he added additional income XXXX check ) to the paperwork. I do n't receive a XXXX check at all. I have never dealt with anything of this nature in my life.
10/03/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 152XX
Web
I purchased a car and CPS ( Consumer Portfolio Service ) XX/XX/XXXX. Terms of the contract 20.45 % for 60 months. Amount financed was {$13000.00}. I deferred possibly 4 payments. As of today {$9200.00} as of today. Which I believes is not possible.. Payments total {$14000.00}, amount applied to principle - {$4100.00}. Amount applied to interest - {$10000.00}. 3 payments aren't even showing on her account ( XX/XX/XXXX, XX/XX/XXXX & XXXX ) but had to be applied to interest. as it isn't until XX/XX/XXXX does anything get applied to principle. I also sent me an amortization schedule showing how the payments should have been applied. I have reached out the company multiple times and they are stating that my contract states that 5.19 % interest per day is to be applied daily but there is nothing in my contract to stated that and my loan is 60 mths and its being reported as an 53 month loan and XXXX shows I havent made a payment at all in XXXX and half of XXXX and showing on the company website as an 7 year loan. I have reached out via chat multiple times and today I was told that I had to call in to speak to a supervisor and I stated why i have spoken to supervisors several times via chat and the rep XXXX stated oh I thought you wanted to call them and then she disconnected my chat. I have reached out to the car dealership where I purchased this vehicle and they are stating that per my contract I signed is for 60 mths at {$350.00} per month nothing about interest being charged per day. I have all my documents and CPS keeps stating that they are going to do an audit. I pulled them up on the better business bureau and there is multiple complaints like this.
05/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 77301
Web
On XX/XX/XXXX. I received a vehicle from XXXX ( I live in XXXX ) that I purchased from XXXX in XXXX. The vehicle arrived without a temporary plate. When I asked the dealership about this, they said the plate blew off in transport. The transport driver stated it did not have a plate when it was picked up. My loan was financed by Consumer Portfolio Services ( they were fined XXXX XX/XX/XXXX by the FTC ). For several months after I received the vehicle, the dealership would not send me the title and registration. XXXX got involved, but apparently the dealer did not own the car when I purchased it and CPS knew this and accepted the loan. On XX/XX/XXXX CPS sent a letter to the dealer that states they failed to perfect the lien within XXXX days and CPS is demanding the return of the monies. The dealer informed me that CPS told him I defaulted on the note which I have not. I missed a car payment and pay extra each month to make up for the payment I missed. Now the dealer is telling me he will be repossessing my vehicle because I am in default but I am not. CPS has colluded with the dealer to commit fraud as they knew the dealer did not own the car when they agreed to accept my loan. Now my car is being repossessed and I have paid my notes. CPS was fined by the FTC for these types of practices and now I am losing all of the money I invested. I have made several attempts to contact CPS regarding this problem but have not been put through to the right manager. I need someone to contact me before I lose my car. Both the dealer ( XXXX XXXX ) and CPS committed fraud. I need someone to contact me immediately so I can determine who is in the right or wrong.
07/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28112
Web Servicemember
In XX/XX/XXXX me and my husband ( XXXX and XXXX XXXX ) went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, NC XXXX and purchased a XXXX XXXX XXXX. We traded our XXXX XXXX van ( that was paid in full ) on this transaction. I had automatic payments set up to be debited out of my account. After two monthly payments XXXX XXXX could not come up with a permanent tag. We were issued three temporary tags from the time we purchased the vehicle. Fed up because we could be pulled over and fined for having a outdated temp tag we contacted the department of motor vehicles and they fined XXXX XXXX. Even after that incident we asked if we could get another car but we were told no, so me and my husband decided on XX/XX/XXXX that we wanted our trade in back and this vehicle purchase removed from our credit report without having a negative impact. The vehicle was gone so XXXX XXXX did give us a {$1000.00} but he failed to send the finance company Consumer Portfolio Services the money because we returned the vehicle. We have since then talked to XXXX XXXX at CPS and he states that he has not received a check from Driven but XXXX XXXX states that its " in the mail ' We have contacted XXXX and the BBB concerning this matter. XXXX XXXX has failed to keep us updated in this matter and when we try to contact him, he is either out of the office or they hang up on us. This has taken a great toll on us financially and mentally. My husband ca n't work his second job because we went from a two car household to a one car household. We ca n't purchase another car because this loan is showing negatively on our credit report and our credit score has dropped XXXX points.
09/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33133
Web
In XXXX of XXXX, I was arrested for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was arrested at XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and stealing was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXX bank account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.
11/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 94533
Web
I am/was currently financing an auto through an entity called Consumer Portfolio Services, ran into unexpected hardship, to which I informed the finance company on or around XX/XX/2016 of my personal financial hardship and distress explaining as to why I could not pay the, demanded @ {$800.00} - {$1200.00} max due to the fact I was not successful in borrowing any funds just yet. I spoke with XXXX member @ EXT XXXX c/o XXXX who offered me a 2 month extension with the stipulations which required me to make a ( XXXX ) month payment in the amount of {$390.00} - {$390.00} maximum to bring the account up and concentrate on XX/XX/XXXX 's by next month of XX/XX/2016 since my income will be stabilized afford me stationary monthly payments with the option to sign up for auto pay. Fast Forward : On or around Friday XX/XX/2016, I returned XXXX phone call and was astonished to hear that the prior verbal promises, and agreement was being revoked due to the staff member announcing that " she was fairly new and did not review my loan file prior to her offering solutions to my dilemma. forced to Although I am being forced to live/ sleep in my vehicle, the offer from XXXX of ( 1 ) of regular payment @ {$390.00} plus a ( XXXX ) month extension was revoked so XXXX stated '' that at this point they could only offer me a possibly due date change which would give ( XXXX ) more days to come up with the entire balance, therefore, I would still be responsible for the entire past due balance of {$1200.00} to continue to keep the car, or the vehicle of which XXXX is financing ( XXXX ), will be REPOSSESSED effective immediately!
12/12/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 170XX
Web
I have been a customer of Consumer Portfolio Services for the last year. Unfortunately, in XXXX I started getting sick and found out I had XXXX. I was hospitalized on and off and the doctors have determined I am considered a " XXXX XXXX XXXX XXXX survivor. I've been XXXX XXXX times in the last few months, some lasting over a week. I fell behind on my payments and initially contacted CPS in XXXX after receiving emails saying they could help. I was made to feel like XXXX for needing help. I was told to borrow the money, I don't have anyone to borrow it from. Finally I was told they could extend my XXXX payment out to XX/XX/XXXX, but that my XXXX payment would be due XX/XX/XXXX and Id have to handle {$220.00} in late fees. Basically all they would do is move XXXX payment. I agreed to it because I was worried about losing my car and they gave me no other option. Unfortunately my return to work was delayed until XX/XX/XXXX due to my most recent XXXX. I did not be getting a paycheck until XX/XX/XXXX. I used livechat to see if I can do something about XXXXLate fees. And start with a clean slate. I was basically told that they'll send an email to upper management but they can't promise anything. CPS has been the ONLY company unwilling to assist during this rough time. My mortgage company, utilities, every other company understood my situation and was willing to work with me but CPS refuses to budge. All I'm asking for is the payments to be deferred to the end of my loan so I can start with a clean slate in XXXX. I've tried reporting to the XXXX and this company has not responded to them over a month later.
06/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NY
  • 11216
Web
My issues begin from the beginning of the loan when I was told that the amount I was financed and the blue book value of the car was to much. I tried and make the payments but due to financial difficulties beyond my control I was making them but not on time. I also lost my insurance and in my state you must have insurance on a registered vechicle at all times. This caused me to be sanctioned by the state and the penalty was to pay a fine and a hold on the license for a certain time frame. I put the car in a parking garage in my area to avoid and tickets so on. The parking garage was expensive and then I also fell behind with them. I am a new tenant in my apartment and the neighborhood and did not receive no mail for about one month before I went to the landlord and post office. In the meantime to parking garage contacte Consumer Portfolio and they gave me less than 2 weeks to come up with this large amount of mone and the car was picked up by another state. I had no way of getting the money or no way to reach the car. I was informed that the car is going to an auction and them I will be reported to the credit bureaus in my state. I would like to find out how I can get them reported for all the XXXX this has caused with the phone calls and letters and the no responce calls I made to them. I do n't need this on my credit report, I just want to put this behind me and move on with my life. I am employed and have been for quite some time on my job and would not like this to cause me to lose my job. I work for a law firm in my state and would not like to have my reputation tarnished by a corrupt company.
11/01/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • AZ
  • XXXXX
Web
I recently purchased a 2014 XXXX XXXX from XXXX XXXX. I put {$2000.00} down and pay about {$400.00} a month. With an over XXXX % interest rate in a 5-year deal. This is my family vehicle I have a XXXX daughter a XXXX XXXX XXXX son and my wife. A little over 3 months into having this vehicle and less than XXXX miles. This vehicle broke down on my wife at my child 's school. I went and checked it out and the lower control arm is broken the XXXX XXXX is broken I paid a couple XXXX dollars for a tow truck to tow it to my house. The next day I called the dealership they towed it to the dealership and then invoiced me for {$3700.00} in repairs. Told me that I my warranty does not cover it and that it is from wear and tear. Reminder I've had this vehicle for less than XXXX miles and it only has XXXX mi total on it. After arguing and speaking with dozens of Representatives from the dealership. I decided to get it towed to another automotive place that did all of the work for {$2000.00}. I have yet to hear back from the dealership and have not received any compensation of the fact. And the automotive mechanic expert that worked on my vehicle said that my car has major rust damage and I was not notified of that before purchasing this vehicle. I asked the dealership for the inspection paperwork for which I compensated and paid for them to do before I purchase the vehicle and they told me that those files are no longer available. I have pictures of the damage and I have a receipt for what I paid for the damages to be fixed and I have their invoice that they sent me for {$3700.00}. Please help me out
05/23/2023 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 17404
Web
on XX/XX/XXXX i sent a billing dispute letter to the corporate legal councel for Consumer Portfolio Services because i didnt know who else to send it to. I sent this letter Certified mail so i could see when or if they got it they did get the letter on the XXXX of XXXX. But in letter i was disputing the total payment amount that they were saying was {$22.00} at the time when i got my car it was {$23000.00} Ive had the car since XX/XX/2022 according to the paper i have. I was Not refusing to pay i just wanted Verifcation of the debts and a copy of my contract because i dont have a promissory note with my packet of papers i got with the car. I know there is interest and things but for me to have payed over {$4000.00} dollars of my hard earned money and only being credited for {$640.00} is JUST FEELS LIKE IM JUST BEING ROBBED!! There was NO CLEAR AND CONSPICOUS explanation when i signed up that these people were even know there was a servicing/ or debt collector doing my account i thought i was paying XXXX XXXX XXXX XXXX And then after i sent the letter I received MULPTIPLE Calls while i was at work and NEVER recieved anything back in the form of USPS letter/ response with the things i requested. All i got back was an email saying that if i didnt pay XXXX i would be sent to loss prevention and it would be reported to credit agencies. Im just became aware that there is to be no futher charges or reporting until the dispute is resolved all that i got was This threat from Some guy who claimed to be a 30 day supervisor whatever that is. i still have the email but cant figure how to upload it
06/03/2019 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • IN
  • 479XX
Web
I have a car payment due on the XXXX of each month. Due to financial hadships last 1-2 years, my payment are typically 2-5 weeks late. This company tells me, that of my XXXX monthly payment, for every day im Late {$5.00} of my payment goes to Interest and not the principle. Also, I just made a payment of XXXX on XX/XX/XXXX, which took care of my XX/XX/XXXX payment. When I made the payment, they asked me again when I could take care of XX/XX/XXXX payment ( which was 13 days late ) I know told them, I could make the paymet on XX/XX/XXXX ( not the next payday, but two weeks after ) they said ok. This was just Friday XX/XX/XXXX, and they have called several times since. I just s/w a rep who didnt indicate her company, i had to ask who she was with. She then stated " can you make a payment today, i see you just made one friday, i see u have it done to pay XX/XX/XXXX '' I told her, yes, i just made a payment XX/XX/XXXX for XX/XX/XXXX, and i told them i would pay XX/XX/XXXX payment on XX/XX/XXXX. The rep stated " well we need a plan set up '' the PLAN was set up on XX/XX/XXXX when i told her i would pay XX/XX/XXXX. As long as the payment is made before the XX/XX/XXXX of the next months, they can not take the call. She confirmed this, so me setting up the XX/XX/XXXX should be fine, but she kept stating " you need to set something up '' I have made payments the past XXXX months like this, never had a rep call and even though they have a documented payment coming up, never had a rep call and demand a payment before that. This company is horrible. Consumer Portfolio Service Inc. is there name.
10/31/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MA
  • 01109
Web
Took out a car loan in XXXX with CPS. Car was paid off in XXXX and I relieved the title to my car. Upon looking at my credit reports in XXXX this year, they were reporting the status of this loan as charged off/collections and settled in full. I attempted by phone and by certified mail to correct this matter. I asked for proof that this was settled in full and not paid in full. Also asked for proof of the charge off/collections since this was news to me. As far as I knew, this loan was paid off normally. No charge off, no collections and not settled in full. On XXXX/XXXX/XXXX they sent a letter back to me stating that what they are reporting is accurate and supplied an account ledger of the payment history and a copy of the loan contract. Nowhere did they include my what I requested which was the proof of the charge off/collections and when did this take place. I also asked about a settlement that CPS was involved with that stated they were overcharging its customers and that they were to compensate people that had loans with them during the time of my loan due to the settlement they reached. I saw no compensation and again they brushed off my question. CPS is under the impression that I am disputing the validly of this past debt which I 'm not. I 'm disputing how they are reporting inaccurate information yet feel like they do not have to answer to how they report erroneous items. My car was paid in full and was never charged off. I never received notice of such a thing and when I made my last payment, a few weeks later they mailed me the title to my vehicle.
07/31/2017 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
  • OK
  • 741XX
Web
Hello- My name is XXXX XXXX . My car loan was paid in full and there was an over payment taken for $ XXXX- after arguing back and forth with Consumer Portfolio Services to try to get my money back, I was told that I would receive a cashier 's check for {$280.00} ( I am not sure why the {$11.00} difference- I asked several times and never got a response ). I was also told that I would have the money deposited back into my account with 24-48 hours however, they are now supposed to be sending me a cashier 's check. I am NOT HAPPY. I have called three times and emailed them 5- I have not received a response ... I have chased them for weeks and still do not have the money that is due to me. This company is completely unprofessional, irresponsible, and should not be allowed to conduct business as a financial company. My account number with them is XXXX. I have been dealing with XXXX XXXX. I was told to send them a bank statement showing that they took the money out of my account ... which I did. They told me to fax it- their fax machine did n't work. I had to scan the statement and then sent it to them via email. I then called for three days to get a status update. The bottom line is I am not sure why I STILL do not have the money that is mine and why they have given me the run around. Their last excuse was that the pay-off amount was incorrect and that their accounting department made an error. The pay off amount was {$9600.00} and they said that the check that was sent was only for {$9300.00}. Please let me know how I should further proceed. Thank you so much.
06/27/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MI
  • 48224
Web
My Suv was stolen in XX/XX/XXXX. the auto insurance company paid the amount due for the XXXX SUV in XX/XX/XXXX, which left a {$4000.00} balance ( I don't know why ) but I contacted the loan company Consumer Portfolio service and they explained that I did not have gap insurance. I told them that they never offered me gap insurance and they said that the auto insurance company should have offered it. ( I called the auto insurance company and the said that Consumer Portfolio Services ( CPS ) should have offered it ). So I am stuck with this {$4000.00} balance. I call CPS in XXXX and they agreed to let me pay {$100.00} a month and I could pay more when I could. I started to see my credit score that was almost 700 decline. I could not figure it out I looked at my credit report in XXXX and CPS had been reporting me late but I wasn't the amount was scheduled to be deducted from my account every month and I paid ( I have proof ). Every month I was reported late my credit score plumbed to 500 credit score I could not believe it. I talked to several departments, finally, the finance department told me to " forget the payment plan you should still be paying the car note which was XXXX. '' I was sick this company asks in bad faith.. I finally paid off the balance and they are still reporting me late on my credit. Please help me with this company I follow the payment plan. I want those negative marks reported from XXXX until now. I work really hard on my credit and CPS told me to go get a new car they would finance it. I would never after they destroyed my credit.
10/04/2020 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
  • TX
  • 77523
Web Servicemember
Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates Vintage XXXX they notify of any changes in credit scoring on both XXXX, and XXXX. The problem has been a car loan I am joint account holder on. CONSUMER PORTFOLIO SERVICES INC. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to CPS the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission XXXX Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX and XXXX, XXXX. Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. My score drops XXXX this month and XXXX points last month because of late payment made by my wife whereas her score drop XXXX to XXXX points on XXXX because of C.P.S.. When i spoke with Consumer Portifolio while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.
10/05/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43068
Web
I have requested that CONSUMER PORTFOLIO SERVICE XXXX XXXX XXXX XXXX, CA XXXX XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
07/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 350XX
Web
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
03/26/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • PA
  • 19138
Web
I would like an investigation of CPS ' loan contracts and billing. Per the FTC 's listed violations, this company has settled a class action lawsuit against them in XX/XX/XXXX and I would like to know if I 'm eligible for a refund or account adjustment of some sort, as for I opened an auto loan with them in XX/XX/XXXX I never received any notice of a lawsuit, pending or complete from CPS during my time of having a current auto loan open with them. As time went on I experienced a financial hardship which resulted in non-payment of my loan. I eventually had the car voluntarily repo 'd. They explained during this process that the car would then be sold and the amount they sold the car for would then be applied to my balance. They never reached out to me about its sale neither call or mail. I called them numerous times in which they kept telling me the car had n't been sold. I finally called them again, about 3-4 months after having the car taken to get information about its sale. The car in fact had been sold, but I had n't received any bill of sale. To this day, they claim I 'm still responsible for the entire amount due, even after they have sold the vehicle. Also upon logging into their website ( in which I can still access ) I only have access to XXXX billing statements out of all the months of having a car loan with them, all in which do not detail the breakdown of fees or interest in any way specific. My main concern is to see if I 'm eligible for an account adjustment pertaining to my accusations of their unfair lending practices.
06/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 080XX
Web
a debt collector from consumer portfolio ( cps ) called me, I hung up on him telling him it was a bad time too talk I was driving, he called me right back, again I told him it was a bad time and hung up again. he called me again, I said it is a very bad time I am going too hang up, and I did, he called me again, XXXX times in a row. I asked to talk too a manager, this collector told me no manager was working and he hu. I stopped at a rest area on the pa turnpick and called back, talk too a working manager. she told she would have too listen too the tapes of the call. I asked when I could call back? she sd in a few days. so I did, XXXX months later after a lot of call back and leaving messages I talk with the manager as no one else could help me but her. she sdaid tha she could not hear me well now, so I asked why did the collector call me back XXXX times w/ a XXXX mints, why did the collector tell me there was no manager working, how is he allowed too do this.. she sd she could not hear me ... so I asked again, she told me collectors arellowed too call as many times as they feel they have too, and they do not have too follow the fdcpa because they are XXXX party. it does not apply too XXXX party collections, then she asked who is my atty, that was all she care about.. I asked her too clear this up ... just too make sure, her collector called me XXXX times in a row after I hung up. I asked for a manager and the collector refused too give me XXXX, and he is allowed too do this, she said yes. the laws do not apply too XXXX party
08/23/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • VA
  • 23225
Web
My husband and I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX on XX/XX/XXXX. We financed the car through a company that we thought was a banking institute. When we got behind on the payment and contacted the office, the recording stated they were a debt collection agency. We questioned them on several occasions on how were we able to get a loan from them if they are a debt collection agency, everytime the rep stated they are not a collection agency. I feel we signed the contract under false pretense with the sales rep, due to we were told the banking institution that was financing our vehicle, isn't a bank but a Collection Agency name Consumer Portfolio Services , Inc, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, the local office near me is XXXX XXXX XXXX, XXXX, VA XXXX. Per the Federal Trade Commission in XXXX the company had to pay XXXX XXXX back to consumers for falsifying information, which was done to my husband and I. We were told that if we couldn't pay our loan balance off by the end of our matured date that we keep making payments, but they spoke to my father in law on XX/XX/XXXX and stated that they could repossess my vehicle at anytime even though we're making payments. I truly believe my husband and I were scammed into using this company because we really needed a vehicle for our family. I would like for this company to investigated, because the amount of money we paid to get up over the years and it seemed like the balance never changed, which is know is against the law
04/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89101
Web
At : Portfolio recovery Company did not provide signed proof/documents and I do not recognize these credit cards. Please provide all sign documents and all forms of my IDs to validate these accounts if not they must remove it and close it out. Also this company has not stopped calling me yet again under the false pretenses of a business opportunity! Stop the harassment and provide me proof of all signed accounts as you started. Show me valid IDs and my signature if not this account must be removed. Also stop running my credit Portfolio recovery has kept calling and calling me without any reservations at all. I dont know who they are or why they are harassing me. I came across their information within XXXX XXXX and it shows they are reporting two accounts that should not be accounted for. It is hurting my credit opportunities and I would like for them to remove it since I do not owe them anything. They need to provide me with a signed contract between me and portfolio recovery if not they must immediately remove this negative remark and update all credit reporting agencies. Notice is below to them : This will notice will serve as a validation 609 letter. This letter is a formal complaint that youre reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, section 609 section A1A. You are required by federal law to verify through physical verification of the original sign contract, any and all the accounts that you post on the credit report.
07/01/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 23503
Web
The name of the company is Consumer Portfolio Services ( CPS ) and I had a car loan with them that opened on XX/XX/XXXX. Unfortunately a few months after the purchasing the vehicle it started requiring thousands of dollars of repairs and I could not afford to fix it and pay the monthly payment of XXXX dollars. At the time my payments started becoming late and CPS started calling my friends, family and work telling them that I owed money on a loan and trying to shame me into paying. Also they started adding on fees on top of other fees and so forth. Finally because I could n't handle the stress of the car loan and the harassment from their collections department I told them to take it. The harassment continued after that so I started to threaten legal action. I believe the person I spoke with was named XXXX XXXX. She told me they would stop calling and remove the information from my credit report. To my surprise I went to get a new car loan, after waiting six years because of the trauma of dealing with CPS, they were still reporting the account negatively XXXX my credit. I then put in a dispute with XXXX and XXXX, citing the previous promise from one of their employees, but the dispute was rejected by them. I just want this awful company out of my life, I spent six years avoiding credit and financing because of their horrible practices and still they are affecting my life. Unfortunately I do not have the documentation for the loan it was lost during a move from XXXX to XXXX
10/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30228
Web
I looked at my consumer report and noticed these unauthorized inquiries. I gave no one permission to view my report. There was no permissible purpose written to these companies. Companies are as follows : XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX Credit Card XXXX. ( XXXX ) XXXX
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39759
Web
This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) Consumer Portfolio Services does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts. I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files. 2 ) a letter confirming the deletion of this account from all credit reporting agencies. 3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering. -Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.
03/18/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • IL
  • 610XX
Web
My used car loan began on XX/XX/XXXX. At the time of the origination the loan was for {$21000.00}. I had purchased a XXXX XXXX XXXX XXXX with XXXX miles on it. A few weeks ago I asked for a payoff amount for my car, since it was having major repair issues and was advised I need to pay {$20000.00} to pay off the car, almost four years has passed mind you. According to Consumer Portfolios Services payment history, I have paid them {$13000.00} dollars and of that amount {$2300.00} has been applied to the purchase price, the balance of XXXX was for interest and fees. When I called to speak to a customer service representative she got very snippy with me, stating this was a simple interest loan and because I was behind they were charging me {$9.00} per day. I said that I never got a copy of my loan agreement and I would like it sent out immediately and she said she would make the request. That was over a month ago and I still do not have anything from them. At the time I was past due, but Consumer Portfolio reported that I was current to the credit bureaus and yet they are still charging. I am at my wits end with this loan and a car that will not last much longer. Is this legal to just keep adding charges and fees to a loan so basically you wont have a car, but will just be paying money on top of money for nothing. This is the craziest thing I have ever seen or heard of and I am afraid I will be without a car and without a way to get a new one to get to work.
11/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 23803
Web
I purchased a new vehicle on XX/XX/2019 and at that time traded-in my XXXX XXXX XXXX that was finance with Consumer Portfolio Services. Consumer Portfolio Services received the payoff for {$16000.00} on XX/XX/2019 for the XXXX XXXX XXXX. I reviewed the payment history information on their ( CPS ) website ( attached ) that stated the total paid was {$16000.00} to pay the account in full. It broke down the total paid into 3 different categories ( Interest {$470.00}, Principal {$16000.00} and Fee 's {$190.00} ) documenting the total paid {$16000.00}. I knew the dealership sent a payoff of {$16000.00} so I was aware I was due a refund around {$250.00} based on the total paid that was documented. I contacted Consumer Portfolio Services on XX/XX/2019 to inquire about the difference in the total paid and the payoff check received. I spoke with XXXX XXXX who advised me she would escalate the account to be reviewed by audit. I called back on XX/XX/2019 and spoke with a supervisor who basically confirmed that the total paid of {$16000.00} was not accurately document nor was the letter that was sent to me by them. They advised me the total paid was XXXX but that was not document in the payment history on my account nor the letter that I received from them. Due to the documentation shows inaccurate information I am requesting a refund/overpayment of {$260.00}. The company did advise me they was going to do a audit on my account to update the correct amount.
09/16/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MD
  • 21060
Web
Due to financial hardship from the Covid-19 Pandemic, I have been unable to pay my car loan payment. I have made multiple attempts with creditor to come to a solution to repay the debt owed. There was extreme loss in wages that caused risk in losing our home. I requested the creditor to place 3 payments on the back end of the loan for the time being until it could be repaid but was denied relief of any sort. Requested to try to refinance but creditor stated that they do not do refinancing. Vehicle was previously in an accident so it would have become an upside down loan and placed my family and I in a harder financial situation to continue to make the payments. In result of that, my vehicle has been surrendered by the primary owner ( my ex-significant other ). The loan is still open in his name as well as mine ( I am joint owner ) and I have been without a vehicle. The vehicle was originally for myself but I had to be placed as the co-signor. The creditor also allowed the vehicle to be surrendered without my approval by the primary owner listed on the vehicle title. I was attempting to make as much of a payment as possible and was not aware that the vehicle was being surrendered until after it had been done. The vehicle was taken by the primary owner without my knowledge after it had been repaired in XXXX from an accident. I was denied access to my vehicle by the auto body shop when I made the attempt to pick it up when it was completed.
12/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43230
Web Older American
XXXX : Dear Sir or Madam/To Whom It May Concern, On Today I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update CONSUMER PORTFOLIO SVCS. INC we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.
09/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • PA
  • 19082
Web
Consumer portfolio services is the loan lender. I purchased this car from XXXX XXXX in 2016. When getting car repaired a few months after purchasing, mechanic informed me that my car was rusted and will continue to do so ( inside out ). He stated car had to be in previous accident or in water and car shouldn't have been resold to anyone. I called the car dealer. Car dealership did not give me all the paperwork regarding the car even though i asked for it at time of purchased. company stated they forgot to mention that car was being driven as a rental car in Virginia and had previous accidents. However my car fax did not report that. Since then, dealership has not sent paperwork or any requested documents since. They told me to call the car loan holder. I made a complaint to Consumer portfolio and gave my written statement. I was told i would be reimbursed by the balance on my car lowered, i would get a new car under a new loan and/or receive a check for the difference. Since then the case has not been settled i have still been paying but get frustrated as i am seeing the things going on with my car due to its previous problems i was not aware of or told before purchasing. My credit report is being affected by their errors and i have to keep disputing the debt as they are not updating information correctly. since i have been sending inquiries and complaining more i notice they keep giving credit companies false information.
05/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 19082
Web
This company has yet to address the issues of XXXX XXXX located XXXX XXXX XXXX XXXX, PA XXXX. They sold me a lemon, rusted out car ( due to water damage ), that was a previous rental, with numerous accidents and they claimed I knew it was in that condition. iHAVE REQUESTED DOCUMENTION FROM XXXX XXXX AND THEY HAVE FAILED TO RESPOND. I sent my documents to XXXX XXXX XXXX XXXX of Consumer Portfolio Services. This information was told to me from my mechanic when I took it to get inspected when I was having problems. I have yet to see reparations. I have been harassed by numerous employees at Consumer Portfolio due to this. My second issue is that they are alerting the credit bureaus that I had 9 late payments and that is false. I have never been more than 30 or 60 days late. In addition I had made a payment arrangement for an incident when I had XXXX. Inform the credit reports of the correct information as I wasn't late as it stated on my credit report. Lastly, My balance is wrong. I have been paying XXXX dollars a month for 35 months which totals XXXX. That is what I paid. I have all my receipts showing proof of payment totaling to that amount. Consumer Portfolio services are purposely submitting false information as retaliation to the continuing issue listed above. Which is against the Law. I will not stop writing emails or making complaints about this company until everything is correct and I get what is owed to me.
06/10/2023 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 221XX
Web
I get calls from the auto company Consumer Portfolio Services about my auto loan and when asked about the loan its always the same your this many months or days behind. Ive asked why is it Ive had this vehicle 3years and the payments are still the same as when I financed the car. Two years ago Ive asked them. To apply the payments to the loan amount they told me if I want that to happen that I can double my payments.and I can see decrease.They call me everyday sometimes twice a day, e-mail on top of the letters they mail out weekly. Ive informed them about it. I know Im behind they dont have to threaten me everyday. They tell me they can help me with my payment just to turn around and threaten to do a repo on me but I can stop it if I pay whatever amount they come up with, when I pay something they still then turn around and say they gon na repo me again after I pay or make arrangements. I dont need the harassment. I can not get the proper amount I owe on the vehicle. its the same as when I first financed the vehicle three years go ( {$12000.00} ) Three years later Its still the same .They are reporting it on my credit report incorrectly as well.But all these different people calling leaving voicemails messages, emails and texts messages and they all telling me something different is confusing. They are dropping my credit score by doing repeated inquiries on me which is making my credit score drops down.
10/01/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • VA
  • 22206
Web
On XX/XX/XXXX I bought a used car from XXXX XXXX in XXXX, Virginia through Consumer Portfolio Service, Inc ( CPS ) .. The loan was approved through the dealer on this date and I took delivery of this vehicle, XXXX XXXX XXXX. On XX/XX/XXXX I received a voice mail from CPS stating they needed information about XXXX direct deposit on banking statement. I called CPS on XX/XX/XXXX at XXXX the guy who answered stated his name was XXXX, I called later and his voice mail said, XXXX XXXX ( not sure of spelling ). XXXX XXXX asked how much did make from XXXX and how often did I work for them. I told him my loan was based on my retirement not on XXXX. I asked him why he needed this information and I did not understand. XXXX XXXX asked if he put me on hold to ask a question. He came back a minute later and stated, " I do not need this information, everything is fine ''. Later this day I received a call from XXXX XXXX from XXXX XXXX, Financial Manager, whom stated CPS called and said the financing for the vehicle fell through because I refused to give CPS information concerning XXXX. This was not true since XXXX XXXX stated he did not need this information. The last time I XXXX for XXXX was XX/XX/XXXX. In the two ( 2 ) weeks since I bought this car on XX/XX/XXXX, I have not XXXX for XXXX. CPS lied and slandered my name when they reported to XXXX XXXX that I refused to give them information about XXXX.
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NC
  • 278XX
Web
During the pandemic, I suffered financial hardship. I contacted my vehicle loan agency, Consumer Portfolio Services, and my payments were deferred. I caught up with all my payments and noticed on my credit report, that my payments were being reflected as late along with a delinquent account status. I sent a certified letter to Consumer Portfolio Servi., informing them and requesting that they adhere to 15 U.S.C . 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ) - The Cares Act Provision regarding credit protection and credit reporting during the pandemic along with the CFPB 's FAQ 's guide to the Reporting under the Cares Act. I explained that my account must reflect a current status ; which they received on XX/XX/2023. A month later, my account status was changed to current, however my payment history field does not reflect a current status. The monthly payment history field is missing current statuses for each month that the deferred payments were paid and is not being reported accurately according to the Care Act. I spoke to the Trade line Supervisor, XXXX, on XXXX, to correct this inaccurate information and sent him an email of my original letter stating the Cares Act. After taking it to upper management, they have decided not to update my payment history field to accurately reflect a current account status and only add a code, which does not satisfy their obligation under the Cares Act.
09/13/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • MA
  • 027XX
Web
I opened an auto loan with Consumer Portfolio d/b/a XXXX in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was wrongfully deemed 'totaled ' and then auctioned off shortly thereafter. As of XX/XX/XXXX, I was being emailed and contacted because my account was " seriously past due. '' I called in and spoke to an extremely rude and borderline offensive representative who insisted on my making a payment. I did not promise to at that point, however I told her I was willing to make payments as soon as I could if we could come to an agreement. By the end of the call, she told me I obviously couldn't afford it and her attitude compelled me to call back and request a supervisor, but none was available at that time. I sent numerous emails and called many times to speak with a supervisor, and was told that I would be called back but never was reached out to again. I informed them multiple times that we can make an agreement to pay however I wanted to make a complaint against the rep first. I have also been recorded on their lines after stating multiple times I did not consent to being recorded if they refused to provide a copy upon request. Now I am being told a lawsuit against me has been filed for this matter, even though I have been waiting for a supervisor to reach out to me for months. I have call logs and email correspondence between myself and their representatives proving all of this.
07/07/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • SC
  • 29730
Web
We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with financing thru Consumer Portfolio Services. In XX/XX/XXXX the vehicle was in an accident an deemed a total loss. At the time of the loss the account was current, with no late fees or charges on the account that needed to be paid. At that time we had two gap insurance policies. One with XXXX XXXX XXXX which was part of our contract when we purchased the vehicle and another thru our auto insurance at the time. Gap insurance paid our balance that was due through multiple disbursements. Consumer Portfolio Services received payment from XXXX XXXX XXXX and the gap coverage through our auto insurance. After reviewing statements from CPS, XXXX and XXXX ( our insurance at the time ) we discovered what appears to be fraudulent activity in order for CPS to collect more money than what they were entitled to. It appears to still be the case. They have gone as far as reporting information to the credit bureaus stating that we owe them money, altering payment history, late fees, and other charges to make it seem as if we owed money at the time of time loss. They are still collecting money from Gap insurance payments thru XXXX as of XX/XX/XXXX and still say we owe. XXXX has informed them to waive a total of {$3300.00}. They refuse to update the credit with a paid XXXX balance, with no late payments as of the date of loss.
05/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21157
Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
04/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21157
Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
10/21/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 62901
Web
XXXX Consumer Portfolio Services has called my place of work several times a day, several days in a row. He interrogates my support staff of my whereabouts when they tell him I am not available and even asked them for my cell phone number, which they already have. He even yelled at XXXX my receptionists, when she told him I was not in. This afternoon, after being told I was in a meeting with a XXXX, he strongly insisted to speak with me. I excused myself for a moment to let XXXX XXXX know I was in a meeting with a XXXX ; and he was rude and yelling at me. He tried to speak over me as I was telling him that I was not going to have a conversation with him at that time. He began talking over me again by stating that the call is being recorded. I said, ok, the call is being recorded, he stated yes can you verify your last XXXX digits of your social security, I said I do not wish to have you call my job, at which time I hung up. This representative has been leaving very cryptic messages with my staff, intimidating my staff to the point where they interrupted my during a meeting. As I see it, they are in violation of the Fair debt collection act because he calls my place of work at least XXXX times per day. There was a time he called and left no information, just said he would call back in the afternoon. He intimidated my office staff to get me on the phone.
04/27/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 19119
Web
I have a car loan through Consumer Portfolio Services. I signed the loan paper through the car dealership to pay the car off after a certain number of payments. However, I do not understand how this company works. Each time I make a payment they change the amount of money that they take of the amount of the loan and how much they charge in interest. For instance one month they took off {$58.00} the principal the next month they took of XXXX, the next month {$140.00}, then another month {$0.00}. At the rate this is going I will never pay off this car loan. I feel as though I am a victim of predatory lending. Also, twice I had an issue making a payment. I set up automatic payment to be drafted out of my bank account online. It was never drafted out of my account when I set it up to come out so I had to go online and make a manual payment which cost approx {$7.00}. Then recently I made an online payment with an e-check and the check was returned. I went back into my email to check the confirmation and I noticed that under the account number it had for my bank account it had my husbands social security number. There is no way I would put my husbands social security number in for my bank account number. I feel like I have been set up twice to have my payments not go through twice and have to pay a fee. I am extremely unhappy with this company.
04/18/2023 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
  • WV
  • 254XX
Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter.
05/31/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 19111
Web
I really need help resolving the below issue. CPS finances a XXXX XXXX my wife I drive. I am a co-signer on a XXXX XXXX purchased in XXXX @ principal rate of {$12000.00} Our monthly note is {$320.00} My wife ( XXXX XXXX ) and I began payment of my car note of {$320.00} on time the moment the car left the lot. I took over full payments when my wife lost her job. Though I missed some payments down the line due to XXXX XXXX I incurred in XXXX, XXXX. I did not have a source of income at the time when I missed the payments. CPS is aware. I got right back on track and caught up with my arrears making the monthly dues but then I noticed my balance never seems to drop ( decrease ). Since XXXX, XXXX years later when the car is purchased at the rate of {$12000.00}, the balance of the XXXX XXXX is just at {$10000.00}. What is that!!!!! Could someone explain to me, please!! I do n't understand. I just noticed I have been paying a huge amount on interest every time I paid my monthly due of {$320.00}, and not much of a principal deposited on the car loan. Can you image, at some point out of the monthly due of {$320.00} I paid, CPS is only deducting {$70.00} as principal, and just assigning the balance of {$260.00} as interest. Something is not right here. CPS has, and keeps overcharging me blindly. Please help. Thanks XXXX XXXX XXXX XXXX
08/12/2021 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
  • PA
  • 19141
Web
I've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report. Account Name : CONSUMER PORTFOLIO SVC Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Date of Last activity showing different dates nad not reporting to XXXX and reporting incomplete information This account is showing the terms of the account after its been charged off and closed this a violation of the FCRA and how can this account be reported is accurate when this false information on my credit is clear indication they dont care care about this laws that protect me or any other consumer, and the balance is wrong Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
10/08/2017 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
  • NC
  • XXXXX
Web Servicemember
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XX/XX/XXXX, & XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, 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.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
01/23/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • IN
  • 463XX
Web
At XXXX XXXX on XXXX XXXX, 2017, there was violent pounding on my front door, repetitive ringing of my door bell, and flashlights shining in all my windows. I called XXXX. When the police arrived, they announced a gentleman was looking for a XXXX XXXX. Turns out, the recovery agent at my door was looking for my former spouse. I was NEVER on his loan, NEVER on the vehicle title, NEVER a co-signer, etc. I did not live at my current address when my ex opened the loan, so it 's unclear how the lender obtained my address. The recovery agent told me, and the police that I was on the loan. I advised I was not. I asked for proof that I was on the loan, and he would not provide it, because of course, there was nothing to provide. The recovery agent threatened return with the sheriff. Once normal business hours rolled around, I called the lender and advised them that their agent violated the Fair Debt Collection Practices Act, as well as threatened me. I also wanted to confirm I was not fraudulently added to the loan. By giving my ex-husband 's information, they could confirm I was not on the loan, and did say they would enter a cease and desist order for me and my property. The lender did have my name and address. I was NEVER listed a reference on my ex 's auto loan. Lender advised they got my information through a skip-trace service.
10/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78520
Web
I have previously sent this company a request to validate the alleged past due record under the Fair Debt Collection Practices Act and all I received was a print out starting from XX/XX/XXXX through XX/XX/XXXX without any past due record. This company is reporting past due history through XX/XX/XXXX! This does not meet the Federal Trade Commissions guidelines of what constitutes proper past due validation. This company is now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. This erroneous past due information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. This company also failed to : What the past due amount was for : Explain and show me how you calculated the past due amount ( s ) : Provide me with copies of any papers that show I was past due : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations of this reporting and amount due has NOT expired on this account in state of Texas : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Original car TITLE for an auto loan that has been satisfied.
03/02/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • CA
  • 95827
Web
Purchased a vehicle from XXXX XXXX XXXX on XX/XX/2015 in XXXX, CA. The finance company that agreed to be my lender is Consumer Portfolio Services Inc. When I went to purchase the vehicle, I had just completed a Bankruptcy, two days prior. So of course, my interests ' rates from the Consumer Portfolio Services were going to be high. In the contract I signed, the total loan amount including finance charges is {$24000.00}. CPS finance charges annual is 20.45 %, total finance charge of {$8900.00}, for a amount financed of {$14000.00}. Five years has passed, and the vehicle is still not paid off. I started calling customer service inquiring about why my principle on the vehicle was still so high. So, I decided to print off my payment history from the website, and found out that I have paid {$12000.00} in interest, {$3800.00} more than on the contract. My principle paid off is only {$9500.00} in 5 years. I have paid {$22000.00} on the loan, but I still have a balance of {$4900.00}. I need help getting this account corrected with Consumer Portfolio Services Inc. The amount of {$3800.00} that has been applied to interest should be applied to my principle. This company has a lot of bad reviews with current and prior customers stating they were cheated by CPS with them charging more on the vehicle than they should have paid.
09/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TN
  • 38106
Web Older American
I was never told this was a simple interest loan. The car company had given me the car and I signed papers with another loan company. I was given the car and drove it home. Three days later I got a call from the car company and was told they were not going to give me the loan. XXXX XXXX lied to me and had already taken my car and gotten rid of it. I needed a car to work so, I had to go with the loan company that XXXX XXXX said was giving me a loan. I was between a rock and a hard place and I did find out after the fact that XXXX XXXX was lying. I am signed on to a loan for 7 years at 22 %. I am being charged interest every day. I recently called and ask them to lower my interest as I have not missed a payment. Even the extra money I pay is being taken and charged interest on it and whatever is left is applied to my principle. I called in XXXX of 2019 and asked that any extra money be applied to my principle. I found out that any extra monies are being taxed, and then applied to my principle. I was even told that it was being taken off my monthly payment and that is why my payment monthly payment had decreased. Then I was told by a manager that I had a credit there in case I could not pay all of that month 's car payment and if I wanted to do a principle only payment that I need to send it in by itself. Please Help!!
03/18/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 227XX
Web
I was told that once I returned the equipment in the same condition as I got them since I had finished out my 2 year contract my account would be cleared and the bill will be at {$0.00}. I returned all the equipment, then my account was sent to the XXXX/XXXX collection department for the amount of {$910.00}. I can not be billed for the time that I was not using your services. I called to dispute and I called and called and called and the number provided you will wait for a long period of time and then it would hang up. I called customer service and was given another number and you would waits hours and no one would pick up. I advised customer service and a note should have been added but no one returned my call. Instead of contacting me to resolve the discrepancy your company does not call or send me a letter to my address to discuss the issue at hand. They then sold the account/debt to a collection agencies. Who harass me from XXXX XXXX - sometimes XXXX XXXX even on weekends for a debt that I am not liable for. I would really hope we can resolve this matter ASAP. I have spoken to an attorney to help me dispute the debt on my credit report since it is affecting me. A few of my credit cards lowered my credit limit and one closed my account even though I have perfect credit history and I paid the balance off.
07/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • XXXXX
Web Servicemember
I was contacted about making payment arrangements in my account, I was paying as often as I could and trying to stay as caught up as possible. At that time I was laid off at the time. I didnt want to haves late payment hit my credit report so I asked the representative that I made arrangements with. She stated to me that the company only reports late to the credit bureaus after 60 days. Not at 30 or anytime between 30-60. I did t realized u til months later while applying for a mortgage that they did indeed report to the bureau When I wasnt 60 days late. I tried contacting them when I found out and spoke with a XXXX on XX/XX/07 via their chat system. He was very rude and told me that I did not talk to anyone in his department that would have told me they only report at 60 days because everyone in his department knows they report at the 1st of every month. I never told him I spoke with someone in HIS department ... I dont even know what HIS DEPARTMENT is. I just informed him that I was told inaccurate information and now my credit is suffering because of the miscommunication and missed info. I believe that this is inaccurate information and the company refused to take care of it. I was never 60 days late and he verified that as well I was 54 days late for XXXX and XXXX but they still refused to fix the issue.
01/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • VA
  • XXXXX
Web Servicemember
In XX/XX/XXXX, My vehicle was repossessed by Consumer Portfolio Services ( CPS ). Upon contact with CPS, I was told the vehicle had been repossessed and more information would follow as a result of the repossession. Until the day I have yet to receive any information concerning the car or the amount the vehicle was sold for/invoice. Furthermore, it is Virginia law I be supplied with the invoice as well as the Date and location the vehicle would be sold. After reviewing my credit report, I saw that the company provided an ending balance of {$5600.00}. How is this possible? How am I suppose to know this is correct? Furthermore when I reviewed the account several payments were not posted correctly to the principle balance. I have enclosed the document from my credit report to show the issues with CPS. If you review XXXX to XXXX a payment was made with no late fees incorporated yet the balance remained the same. I examined the other reports an all reflect the same issue. If you review XXXX I paid XXXX and yet my principle balance was only credited with {$610.00} Even I was paying the loan at 23 % there is no way the balance should only move XXXX dollars. The same thing happens from XXXX and XXXX, XX/XX/XXXX and over the course of the loan this company did not post my balance correctly on my credit reports.
10/15/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • LA
  • 71203
Web
I purchased a vehicle, after a while it started giving me many issues, some of which I was able to repair which caused me to fall behind on my payments. The car became inoperable so I continued to try to repair it while paying partially. I had to purchase a new vehicle and continued to try to work with the lender on payment. The company 's representative became very rude and seemed to be annoyed by my situation and demand that I make payments via XXXX XXXX. After informing him that I could mail money orders he told me that was n't an option and blocked me from online payments. I understood the payments had to be made although the car was n't operable. I mailed in a money order along with details about the vehicle 's whereabouts along with itemized statement of all costs and yet I have no help. The abuse I have had from this company has been exhausting. I requested a cease and desist and I am still receiving mail from them. I understand they also may be able to pull my credit as well but they 've charged the debt off and continue to pull my credit almost monthly. I recently contacted them and still no one is able to help with this matter. I 'm asking that they remove inquiries and any negative reporting in this matter before I obtain legal counsel as well as take this matter to the media.
07/18/2018 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
  • 33309
Web Servicemember
On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. Consumer Portfolio S ( Auto financing ) inquiry from XX/XX/2018 2. XXXX ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. Consumer Portfolio S ( Auto financing ) inquiry from XX/XX/2018
01/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • IL
  • 60643
Web
Name XXXX XXXX Date XX/XX/2022 Companies involved : Consumer Portfolio Services and XXXX XXXX XXXX On XX/XX/XXXX I went in to XXXX XXXX to purchase a vehichle. They are known to work with people in bankruptcies. I am currently in a Chapter XXXX and I had my approval letter from the trustee and all the documents that were asked of me. After 8 long hours I was financed by Consumer Portfolio Services. I asked the salesman 100 times was I financed because I didnt want to drive off with a car that I would have to bring back. XXXX XXXX called me for a welcome call from the finance department. I have a speech impediment and it takes me a while to respond and speak. She seemed annoyed so I asked if I could call my fiance mid thru the interview because she seemed annoyed. After setting up my banking info with the finance company and purchasing insurance, now 2 weeks have passed and XXXX XXXX wants the vehichle back. I made a down payment, purchased insurance and other items. XXXX claimed they rescinded on the loan because I did not disclose I paid XXXX XXXXt. This is clearly false. I submitted all my check stubs and it clearly shows that I pay XXXX XXXXt. I need my vehichle to get to work, and I dont have money to just give away. I think the loan was rescinded because I dont speak well.
02/17/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 44120
Web
After reviewing my credit report I noticed this company report a collection account under XXXX XXXXXXXX XXXX. After countless disputes about the unrecognized debt that I do not owe, the company replied I didn't deny it within 30 days so their company was allowed to report the unowned debt to my consumer report. I never received anything from the company prior to disputing negative account on my Consumer credit report. I have sent countless unresponded rebuttals denying ownership of this collection account and demanding removal. The company only changed the name of its company to XXXX XXXX XXXX which are part of XXXX XXXXXXXX XXXX. I never received any form of contact to verify/ deny ownership of debt till after the company reported inadequate information to my consumer credit report. The company has illegally obtained and distributed my information without having any contract, verbal, or written permission to have my information. This company is reporting inaccurate and Unverifiable Information to two of the reporting agencies XXXX and XXXX. This debt that this company is reporting another company is now requesting verification or denial of ownership and claims they are owners of the debt. Which further establishes this company 's unlawful violation of my consumer right.
09/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 32811
Web
In XX/XX/XXXX, I had a car on loan with Consumer Portfolio Services. After medical and subsequently financial reasons, I could no longer keep the car. In late XX/XX/XXXX, after continued harrassment and threatening calls from CPS to me, my parents and friends, I agreed to give up the car. I was paying CPS {$450.00} per month, which exceed the value of the car and loan amount. There were times when I was late, but was always able to catch up. CPS sold the car for approximately {$5400.00} ( which would indicate the mint condition of the car ). CPS starting contacting me, my parents and friends again stating that I now owed them {$8000.00} more. I finally ended up changing my telephone number, but my parents are still called with scare tactics as if they are personal friends of mine and something has happened. My mother has called several times worried until I was able to calm her down. I recently pulled my credit report and discovered that CPS is falsely showing that I was paying them {$47.00} per month in order to keep the account open. I am not able to purchase another car as my credit report reflects that CPS are still holding the account open four years after selling the car. I pray that something can be done regarding this matter. I appreciate your consideration.
05/08/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • KS
  • 664XX
Web Servicemember
Consumer Portfolio Services denied my request for the Service Members Act, saying that I would have needed to apply this XXXX, and since my loan was in XX/XX/XXXX, they said that we don't qualify. However I will be out if country longer than XXXX, and the car isn't going. They want me to continue paying for the interest rates I can not access for XXXX years. I asked for a superior and was told one would wall back in. That was last week still no call. I then contacted a military attorney he said ; ( XXXX ) Sorry to hear. If Consumer Portfolio Services denies your request for SCRA relief based on the timing of the loan, they may be ( XXXX ) misinterpreting the law. The SCRA applies to loans that were entered into before military service, as well as loans that were entered into during ( XXXX ) military service. ( XXXX ) eligible for SCRA protections. In the meantime, you may consider contacting Consumer Portfolio Services again to see if they can offer additional assistance. ( XXXX ) with your car loan. They may be able to work with you to find a more affordable payment plan or explore other options for reducing your interest rate. However, the same paperwork was submitted to my second finance company and was approved to start the day im set to be in XXXX, XXXX.
02/15/2023 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
  • 60628
Web
XXXX XXXX XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
05/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95828
Web
Accounts belong to twin brother 1.XXXX bank online account charge off account Not My Account 2.XXXX XXXX XXXX Late Payments, Not My Account 3.XXXX Charge off Not My Account 4.XXXX XXXX XXXX XXXX Not My Account. I Recently settled with a XXXX XXXX bill that was opened in XXXX and closed in XXXX and was later bought XXXX in XXXX placed in the credit bureaus. XXXX is Notorious for allowing ghost debt to appear on your credit report after the statutory time limit for old/bad debt to reappear on your account even after disputing. ( Collection agencies WINS ) Due to these circumstances after consistently paying my bills on time, My credit score has not reached XXXX keeping in in the mid XXXX XXXX does not integrity and does not strive to help consumers maintain and keep credit up to date. What debt collectors report XXXX reports, and we as consumers have to go and dispute and wait for responses while credit sits in a derogatory status. I have repeatedly asked transunion and the debt collectors to provide me with the last billing statement and dates, they have not and will not provide the information. I am working on bringing my score up, paying what I owe and keeping credit in great status, however XXXX refuses to keep credit status up to date and current.
06/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • OH
  • 43130
Web
I fell behind on my payments when the XXXX car sat in repair shops for almost a year. After getting the car back I was making my payments a few days late after the company threatened to repo my car. I replied to their last text saying payment would been made in 4 days when I got paid. The next day they repossessed my car. My payments were not 90 days consecutive missing. I also noticed that all my payments were going directly to interest and nothing to the principal. I called them and tried to make arrangements but the only arrangements they offered were to make an immediate payment or repo. Now for me to get my car back, not only do they want what my loan amount was behind in total but huge fees and bond for a total of {$2100.00}, when payments were only {$320.00}. If one can't pay {$320.00}, how do they expect one to come up with $ XXXX in 15 days? On top of that, to get the car back is the tow and lot fees, which I have not even bothered to check on. I would still have my car had they simply waited 4 days for payment and payments would have been made monthly as required. I have read many reviews on consumer portfolio services and I am not the only XXXX they have done this to. I also noticed a week later the loan company has done a credit inquiry.
12/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MA
  • 021XX
Web
Consumer Portfolio Services IncXXXX XXXX XXXX XXXX XXXX CA XXXX They are only accepting one method of payment from me. I just received this car back after they repossessed it at the end of XXXX. I finally got it back after fighting for a VALID method to pay them in order to get the car back only to be told after receiving the car back that I'm past due for XXXX. I JUST received a bill in the mail that says it was due XXXX XXXX ON XX/XX/XXXX. Their website and automated phone system will only accept a payment method of a debit card. The other options consistently do not work. And as for the balance. I've had this loan for OVER A YEAR and somehow I've accumulated a balance and have only paid {$200.00} towards the principle or so the payment history explains YET MY BALANCE TODAY IS HIGHER THAN WHEN I PURCHASED THE VEHICLE OVER A YEAR AGO. THIS HAS TO BE A SCAM. I NEED TO MAKE A PAYMENT BUT THEY ARE MAKING IT EXTREMELY DIFFICULT. THEYVE ALREADY BEEN TOLD TO STOP CALLING MULTIPLE TIMES A DAY, NEARLY EVERY DAY OF THE WEEK BEFORE THEY REPOSSESSED THE CAR AND NOW THEY ARE MAKING IT DIFFICULT FOR ME TO PAY THEM AT ALL AND I AM NOW PAST DUE AGAIN 2 MONTHS. THIS COMPANY IS BY FAR UNFAIR TO THE CONSUMER AND IS MAKING THIS A WHOLE EXPERIENCE A LIVING XXXX.
04/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MI
  • 480XX
Web Servicemember
I purchased my XXXX XXXX XXXX in XXXX at a cost of approximately {$24000.00}. I gave the car company a {$4000.00} down payment on the vehicle. The car is financed through Consumer Portfolio Services ( CPS ). They are the only finance company I have had on the vehicle. I have made payments on the vehicle for the last FIVE YEARS and I still owe {$17000.00}!!!! I have made over 150 payments over the past 5 years on my vehicle at {$610.00} a month and the difference between now and 5 years ago is only {$7800.00}!! I have discussed this issue several times with CPS and the only excuse they give me is that if I pay late then they don't apply the payment to the prinicpal. It goes directly to the interest and late fees! I should own this vehicle by now and all I have to show for 150 payments at {$610.00} a month is a balance of {$17000.00} dollars!! In addition to the misappropriation of payments, my former account manager, XXXX XXXX, harrassed me so bad about a date change to an arrangement I made that I had to write a complaint to the company 's board of directors. Please look into this issue as this is clearly PREDATORY LENDING and this company needs to be stopped for not only their lending/financing practices, but also for harrassing their customers.
07/28/2021 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
  • GA
  • 30096
Web
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company Consumer Portfolio Servi Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
10/16/2017 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
  • WA
  • 98404
Web
There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
08/31/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WI
  • 530XX
Web
I have a auto loan with Consumer Portfolio Services and after a year of paying my loan my balance has not changed. After investigating it appears they are applying my full payment to interest! Item Financed : XXXX BMW 3 SERIES Amount Financed : {$17000.00} Contract Amount : {$17000.00} Contract Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX falsely threatening car repossession ; and deceptively manipulating Caller ID. Because for many of its accounts CPS is a creditor, the complaint charges these practices violated Section 5 of the FTC Act. For those accounts where CPS is a debt collector, the complaint charges these practices violated the FDCPA. Improperly assessing and collecting fees or other amounts on my account. Unilaterally modifying my contracts by increasing principal balances. Making unsubstantiated claims about the amounts I owed. After speaking with customer service they refused to give me a straight answer as to why all of my payments have not been paid to the principal amount for the entire year I have had this loan. I feel they prey on consumers with bad credit and or bankruptcy 's in which they charge the maximum interest rate of 24.99 % and expect the consumer to miraculously pay off this god forsaken interest rate.
05/31/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • IN
  • 46168
Web
in XXXX of XXXX 2 fraudulent loans were taken out in my name for 2 different XXXX XXXX XXXX XXXX trucks. i did not buy these vehicles nor did i ever receive these vehicles. they have never been registered to me nor were the titles ever sent to me. i was told the loans originated from a company called XXXX XXXX out of XXXX Florida. i filed a police report with the XXXX police department REPORT NUMBER XXXX. the detective confirmed that these vehicles have never been registered to me or ever registered in the state of Indiana where i reside. consumer portfolio services was contacted when i began receiving letters last fall only after whoever took these loans out stopped paying them. i was not protected by these companies, they did not confirm that it was actually me that took these loans out. I also found out by consumer portfolio services PHONE NUMBER XXXX, that the XXXX XXXX that consumer portfolio services had loaned money on was DOUBLE FINANCED AND ANOTHER BANK HOLDS INTEREST. THE OTHER LOAN COMPANY INNOVATIVE LOAN SERVICING, PHONE NUMBER XXXX, STATED THAT THEY HAD OTHER PEOPLE COMPLAINING OF THE XXXX PROBLEM. FROM XXXX XXXX AND XXXX XXXX. I also found the other XXXX XXXX for sale online at a dealership in north carolina.
03/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • CO
  • 80010
Web Servicemember
In the year XX/XX/XXXXme and my mother as a ci-sugner bought a XX/XX/XXXX XXXX XXXX, the total price for the vehicle was {$23000.00} with {$1000.00} down payment and dealership fees and other fees that gave that sum. Seller was trying to sell us the vehicle and just started adding numbers and more numbers and % for lease without explaining and if he did explain, it was short and like any other seller says when trying to get some one to sign, he said ; sign here for this that and this portion for this and that not explaining well the % of interest and principal when he mentioned 8 % only and folding the papers not letting us see the total dollar amount of {$38000.00}, if we would of have seen the {$38000.00} we would of think it through and not take it, nor did the seller offer any other financing options like a new XXXX with 0 % apr, and only just showed us the total for {$24000.00}. We feel that we were taken advantage of and did not offer a good customer service as well. If there is something that can be done or even try getting rid of the vehicle it would be good since we are not wanting to keep paying {$510.00} per month for the rest of the contract a total of 3 and half years with balance of around {$17000.00}.
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • NY
  • 11106
Web Servicemember
From XXXX this year XXXX I found unauthorized unauthorized user activity from unknown person or people. For one I was informed by Human Resources my information and sons Information XXXX XXXX was stolen as to a XXXX XXXX in another XXXX it took forever to get my benefits back for two years and no retroactive payments as my son is XXXX with XXXX XXXX. Then auto accounts came a loan addressed yo ny email and confirmed it on the XXXX website and saw all these accounts being open since XXXX til XXXX. Since all these accounts although negative have not been removed, I was denied mortgage loan through the veteran Program not. An I apply for any credit card. I have suspicion my sister has been involved because she would have such information from report the changing of my nine and mispelled addresses her name is XXXX XXXX XXXX XXXX XX/XX/XXXX and has a child XXXX XXXX XXXX husband XXXX XXXX from Florida she could be using that name as for auto loans and home loans she drives and always buys q House I dont even have a driver license or house, the only one I applied for is through military. Please lI need help bc she is very savvy i lost my mom in XXXX and I came across falsified documents taking me off as beneficiary
12/02/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • TN
  • 37072
Web
The interest on my loan is way overstated. I have had a auto loan that did have an extension due to XXXX. The original loan was for {$28000.00} at 17.45 %. Several time during the loan, the entire payment was placed in to Interest. The payment before and after looked normal. I believe this loan was paid off months ago but I had a lot of trouble getting the detail from them to look at. Example ; My Payment is XXXX on XX/XX/XXXX {$150.00} went to interest and {$480.00} went to principal. My next payment the entire XXXX went to interest. XX/XX/XXXX my entire payment went to interest when the split On XX/XX/XXXX had {$48.00} going to interest and {$580.00} going to principal. All of the payments below went to interest and not principal. Thus the next payment I was overcharged in interest because the principal never reduced. XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} I was given a few extension during COVID and although the claimed I would not be charge late charges ( some were reversed and some were not. I want the late fees waived and {$5100.00} applied to my principal.
09/06/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • GA
  • 303XX
Web
On XXXX XXXX I applied in good faith for vehicle financing at XXXXXXXX XXXX XXXXXXXX car dealership. One of the banks/lenders that denied me was Consumer Portfolio Services. I the consumer and natural person was denied credit by Consumer Portfolio Services when I applied for a vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 U.S.C 1692 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). Consumer Portfolio Services is subject to criminal liability for violating 15 U.S.C 1691 as I have proof I was discriminated against by Consumer Portfolio Services due to the response I received. Consumer Portfolio Services is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith and credit was not issued. Furthermore because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Consumer Portfolio Services. The social security card is NOT an identifying document. The Credit Reporting Agencies are private companies that are not government affiliated.
10/05/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 170XX
Web
XXXX XXXX, This company has been using harassing tactics for years. I have finally just had enough and would like to report it. I see many previous issues with this company and even legal cases. It appears that they continue their unfair practices. I have multiple emails for past harassing behavior despite having a payment arrangement and will outline my most recent experience. On XXXX I advise XXXX of payment I would make to bring my account current. On XX/XX/XXXX I received a collection call which I answered ( I usually don't because they harass customers on calls ). It was not a pleasant call. Despite a payment arrangement I received calls ( which I did not answer ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called CPS and the rep confirmed there was a payment arrangement noted on my account. She only agreed to stop the calls after advising her that I would report the behavior to XXXX if the calls did not stop. I have not received any calls since XX/XX/XXXX but got an email today ( XXXX ) from a collections manager. I would like CFPB to use this information to again start investigation/litigation against this company.
04/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60636
Web
On XX/XX/2022, I submitted an email to Consumer Portfolio via their website to inform them that I wanted to voluntarily surrender my vehicle due to mechanical issues that I could not manage financially. I included in the email that the vehicle was located in North Carolina ( not my state of residence ) .I was contacted by a representative from consumer portfolio the next day ( Monday ) gathering more details and also confirming the details I including in the initial email. The lady said its unfortunate that this has happened because I had just made a large payment. She said she will forward the information and I will receive a letter letting me know when the vehicle will be auctioned and my remaining balance. At that time I could make arrangements to settle the balance. I agreed and we ended the call. I then received a letter in the mail stating the the vehicle was repossessed due to nonpayment which ultimately incorrect. I reached out and was told there was no paperwork submitted for a voluntary surrender and I replied none was given to me. This is now being reported credit with false information and adversely affecting my credit score and ability to purchase my home.
06/16/2018 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
  • Investigation took more than 30 days
  • IL
  • 604XX
Web Servicemember
I had an auto loan with consumer portfolio services for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me
11/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72143
Web
15 USC 1681 Section a Section 1 Section a : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 11 USC 362 Section c Section 3 : Chapter 7 Bankruptcies must be dismissed. 15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 18 USC 894 : Using unlawful extortionate means is a violation.
11/27/2017 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
  • Their investigation did not fix an error on your report
  • IL
  • 60446
Web
On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran XXXX times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
10/26/2022 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
  • CA
  • 92336
Web
Upon receiving my credit report, There is currently an unauthorized inquiry from Consumer Portfolio Services reporting on my consumer report dated XX/XX/21 and I demanding it be deleted. Pursuant to 15 USC 1681b ( f ), a person must have permissible purposes to access my consumer report. Considering that this company is a debt collection company there is no reason for them to have accessed my report without my written consent or without a permissible purpose. This is a n invasion of privacy for anyone to be able to access my report. XXXX furnished this report to the debt collector and failed to verify why they needed access to my report and provided all of my personal information to them. Consumer Portfolio Services used my personal identifying information in order to access my credit report which I never provided consent to and I had no knowledge of until now. Having this inquiry reporting on my consumer report is causing me great financial harm and having this reporting is lowering my credit score. I demand that this inquiry be deleted immediately and I am also demanding the reason that they accessed my report in the first place.
04/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 94804
Web
I obtained an auto loan back in XXXX in the amount of XXXX for a XXXX XXXX XXXX XXXX XXXX. I was able to pay on the car until XX/XX/XXXX. I spoke to CPS on several occasions and told them I am no longer able to pay the XXXX because the car requires too much maintenance. They told me to ask family, friends, etc or try to obtain credit just to repay them back. I explained I have exhausted all of my resources to try and repay the loan. CPS refused to hear me. They call me non stop, thousands of times a day, 7 days a week harassing me for the outstanding balance. They made threats of coming to repossess the vehicle. I told them to come and get it. They lied and still won't come and get it. I asked them to come and get their vehicle. They won't come and get it. I asked them to grant permission for me to have it taken to a cash for car place and they said no they want the money. They don't care just as long as they get the money. They just want to harass me daily. They have also harassed my daughter and had their employees call pretending to be attorney 's threatening to file court petition complaint. I am tired of being harassed by CPS.
07/19/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • CT
  • 06492
Web
In XXXX of 2018, I was 1 month post bk, and needed a larger car for my family. I purchased a XXXX XXXX minivan used. I was approved through CPS. At the time of my signing at the dealership, I was not told the specifics of my loan, just given the general terms, months, interest rate, due date etc. It was noted a few months in that CPS operates under a daily interest rate on top of my APR I was told. My payments are XXXX a month. To this date I have paid over XXXX in interest and XXXX in principal. I still can not figure out how payments are posted because I was given an amortized scheduled in terms of what should be applied to interest and principal. That is not happening most months the payment are applied to all interest or may be $ XXXX to principal. I have made payments of XXXX since XX/XX/2018. My starting balance was XXXX, payoff is XXXX. You do the math. Its about 10 months of payments. If you do the math only XXXX has went to principal. How is that legal what they are doing. I would like to have their practices looked into because that is my hard earn money and they are taking it and not applying to what I signed up for.
08/28/2022 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
  • VA
  • 233XX
Web
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXXXXXX XXXX XXXX XXXX XXXX XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,
01/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OK
  • 74137
Web
Consumer Portfolio Services hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. Consumer Portfolio continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). When I called Consumer Portfolio, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at Consumer Portfolio and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at Consumer Portfolio responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.
07/23/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MI
  • 480XX
Web
My vehicle was financed with Consumer Portfolio Services XX/XX/2016. Most of the time I'm in their collection calls even after I think that I am current on my account. I mention about 1 year ago to a CPS representative that after looking at my payment history several payments were applied incorrectly and most ( about 85 % ) of the payment is going toward the interest. I was told that my account would be adjusted and now 1 year later I have just pulled my account payment history and noticed AGAIN how they are still applying payment to the interest and none of the payment is going toward principal and therefore will I never be in a position to pay of the vehicle. Since XX/XX/2016 I have paid about {$8600.00} toward an {$11.00}, XXXX auto loan and only {$1300.00} has been applied toward me owning this vehicle. I feel that this company is running a financial scam for individuals with damaged credit history. I feel they are intentionally improperly applying payments to my account. I am just like the other customers of this company that is having a hard time with them reviewing and adjusting the account payments correctly.
11/21/2023 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • WA
  • 99212
Web Older American, Servicemember
Consumer Portfolio Services is a company that has called me and our family members about a debt owed by my XXXX. I filed a report with you previously. The complaint number is XXXX. The phone number for Consumer Portfolio Services is XXXX. Today, XX/XX/2023, another family member received a call from this company looking for our son. In the response to the first complaint I submitted, the company replied, " Consumer Portfolio Services , Inc. ( CPS ) has reviewed the complaint and account. CPS apologizes for any frustration you may have experienced. CPS has placed a Cease and Desist on all third-party phone calls. '' It seems the " Cease and Desist on all third-party phone calls '' is not being followed. Like I said in my first complaint, this has been going on for a couple of years. We have asked them to stop calling us. Consumer Portfolio Services has the correct contact information for our XXXX. They also disclosed to me ( XXXX ) what the debt was for ( a vehicle ). I have also told them to stop calling the family members. Like I said, they have our XXXX 's correct contact information. I verified it with them.
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 93637
Web
Subject : Deletion of Unauthorized Credit Inquiry CONSUMER PORTFOLIO SERVICES ( finance ) I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. The inquiry was made on XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
02/12/2023 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
  • VA
  • 23666
Web Servicemember
I purchased a car in XX/XX/XXXX, in XX/XX/XXXX I filed bankruptcy but advised the lawyer that I wanted to retain the car. The car payment information was never reflected on my credit report which I finance {$15000.00}. My car note was {$420.00} a month on a 6 year loan. To date I have made 83 payments on this car, and they are saying that I owe still another {$10000.00}. In XX/XX/XXXX I went to see about trading the car in to find out that it was covered in by bankruptcy. When I called the finance company Consumer Portfolio Services to advise them of this, I was told that they never received anything about a bankruptcy and they requested I give them the case number. They advised that would be looking into it and then they would give me a call back. On XXXX I was advised that i could either pay the remaining amount or give them the car back. I feel that I have paid for this car as I have paid in total {$35000.00}. I did have late payments and I deferred a few payments however I still have paid {$35000.00} and paying another {$10000.00} would mean I paid {$45000.00} which was not what the car was financed for,
11/01/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • OH
  • 436XX
Web Older American
I received my statement from Consumers Portfolio Services , Inc. Expecting to only see my total of my last car payment I noticed a late fee of {$140.00}. I XXXX on XX/XX/XXXX of 2022. Expecting to see my social security in XXXX that did not happen until XXXX of 2022 along with waiting for my federal income tax placed me behind with all of my bills. I called consumers for an explanation. Not only to find out that when paying my car payment every XXXX weeks for that money to be sent to my principal payment consumers has been changing me an occurring late fee, and fees assessed of which I have no idea what it is for. As expressed, when speaking with consumer a payment promises {$800.00} on XX/XX/2022, was paid. Those payments were for XXXX and XXXX of which were paid by my sister-in-law. I made another payment on XX/XX/2022, of XXXX plus late charges of XXXX beginning that total to {$630.00}. Consumer took my extra money of {$34.00} and paid a fee. The balance owing to Consumers is only {$380.00}. Please look at this statement attached. I have well over paid Consumers Portfolio. Sincerly, XXXX XXXX
03/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23860
Web
This was a used auto loan obtained in XX/XX/XXXX with monthly payments of XXXX and a down payment of XXXX dollars. The amount financed XXXX. I paid over XXXX in payments in 50 months and had an accident and total loss of the vehicle and my insurance paid the company another XXXX dollars and they got the totaled vehicle back to repair and sell at auction, and I was told what they sold the car for would be applied to the loan balance still owed. I paid this company a total of about XXXX for a 7-year-old car ( XXXX model ) financed for XXXX in XXXX, and now 5 1/2 years later they are reporting on all 3 of the credit bureaus that this loan was a charged off bad debt of XXXX still owed to them. I'm in shock that loan companies like this one in California are still in existence and trying to get away with fraudulent lender practices in our country with all the laws in place to help protect consumers. I had a XXXX Accord for about 4 1/2 years, that I paid XXXX dollars for that actually cost XXXX and now I have no vehicle and bad credit saying I still owe XXXX on a now 13-year-old car that I don't have.
08/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53218
Web
In XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the XXXX XXXX XXXX. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted Consumer Portfolio Services On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.
02/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • VA
  • 22031
Web
I made my monthly payment dated XX/XX/XXXX to Consumer Portfolio Services Inc with address XXXX XXXX XXXX, California XXXX in the amount of {$290.00}. Today, XXXX XX/XX/XXXX Consumer Portfolio Services REPOSSESSED the Vehicle. I would like to request an investigation related to Financial Practices of Consumer Portfolio Services Inc. Company always not in compliance with the LAW. Last year of XXXX mandatory lockdown effective XX/XX/XXXX Congress passed CARES Act Law. All offices are closed for period of 70 days. Cares Act prohibits banks, lending and financial institutions not to foreclose real estate, repossession of vehicle and collections of fines and penalties due to Covid-19 lockdown. My vehicle was repossessed XX/XX/XXXX first time by Consumer Portfolio Services Inc. such practices was illegal in violation of Cares Act. I am looking forward for the prosecution of Consumer Portfolio Services with officers XXXX XXXX XXXX XXXX XXXX XXXX, Supervisor, XXXX XXXX, XXXX XXXX violation of CARES Act, Telephone Consumer Protection Act ( TCPA ). Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX
09/12/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • OH
  • 44087
Web Older American, Servicemember
In XXXX of XXXX, I purchased a ( XXXX / XXXX XXXX ) & it was finanacised by Consumer Portfolio Services, and I agrred to the Terms of this Contract, even though the Interest Rates were very high, I signed the document & agreed to pay on time. The problem began once I began to make my monthly payments & once I received my Billing Statements, I realized that a GREAT PORTION OF MY PAYMENTS, WERE BEING DIRECTED TO THE INTEREST!!!! Also I was Charged ( {$2600.00} ) for an Extended Warranty that WAS DENIED BY THE XXXX XXXX WITHIN THE FIRST THREE MONTHS, BUT I AM STILL PAYING FOR THIS WARRANTY THAT HAS BEEN DENIED. Since submitting several complaints to the CFPB, I have received an updated payment record, showing the OUTRAGEOUS INTEREST DEDUCTIONS THAT XXXX, IS WITHDRAWING FROM MY MONTHLY PAYMENTS. The Contract that the Dealership created, stated that ( 26.60 % ) would be deducted every Year, but I have calculated the total Interest Payments that is being with held from each monthly payment, that ranges from ( 21.677 % to 67.583 % ) EVERYTIME I MAKE MY MONTHLY PAYMENT, THIS MAKES NO SENSE AT ALL!!!
09/11/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 92021
Web
FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, So called " Creditor '' FCRA Section 611 Part ( A ) ( 1 ) have failed to respond to written validation of no debts and liens. According to UCC California there are no liens on my name or property. After this company contracted with XXXX XXXX, they have in fact stolen my private vessel. Have notified said companies of a cease and desist FDCPA Section 805 ( c ), I have asked in administrative process, to proof said claims FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, still nothing after months. Fraudulent merchant claims of property that has been paid. Willful intent of harm, injury, false facts, defaming of character, my credit report as a consumer of heaven, and causing intentional emotions distress. Also under Under 15 USC 1681b - Permissible purposes of consumer reports, CONSUMER PORTFOLIO SERVICES never gave XXXX written consent to report anything on my report. This is in fact IDENTITY THEFT. I would like my property back and response and remedy from company.
03/02/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43235
Web
Consumer portfolio services XXXX called me requesting information on my wife. I asked who they were and what the company did several times and it was never mentioned that they were a debt collector. I looked them up online found out they were a debt collector a called the number on the site to determine if this was legitimate or if the last call was a scammer. New call seemed legit and like there is an accountbut they told me they could not release any information except to her. After quoting the ftc site about the spouse they moved on. Then i asked for the details of tgedebt. They said they didnt have to provide that. I once again quoted the ftc site on requiments. They then offered to transfer me to someone who could provide those details. Requested details be sent in writing several times and they refused to provide unless we gave personally identifiable information to them. Since ive never dine business with them i refused and requested they provide XXXX required info in writing. When we left the call it doesnt not seem like they will honor the request per the statements on the call.
05/27/2022 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
  • 30022
Web
Hello, I have filed XXXX complaints against Consumer Portfolio Services XX/XX/XXXX, XX/XX/XXXX due to there being a number of inconsistency with Consumer Portfolio Services. 1 ) Consumer Portfolio Services is currently reporting on my credit reports that this account is " CLOSED and CHARGED OFF. '' This account Currently states it is " CHARGED OFF '' as XX/XX/XXXX with last payment being made XX/XX/XXXX on all three credit bureaus. 2 ) Consumer Portfolio Services has reported the " HIGHTEST BALANCE as {$13000.00} XXXX, XXXX, " HIGHTEST BALANCE as {$12000.00} with XXXX ( which has since been removed ) on my credit report. I requested a 1099C form from Consumer Portfolio Services to file with my Taxes, a form in which they are refusing to send me, but since this is a " CHARGE OFF '' and was claimed as a income by the " ORIGINATOR ''. I need this 1099C to file with my Taxes and this account should be removed from my credit report immediately. Consumer Portfolio Services is constantly refusing to remove this account and all " DEROGATORY '' information from my XXXX, XXXX credit report.
03/04/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 28105
Web
XX/XX/2016 I bought a car from Honda here in XXXX XXXX, a Chrysler PT Cruiser. It was financed by CPS INC located in XXXX XXXX. This car has had major problems costing me close to {$2000.00} to repair to date. I 've tried to trade this car do to the fact my payments have been on time and up to date just to find out this car has structural damage which was kept hidden from me due to the fact it was not on carfax. I was informed this by XXXX different car companies who both told me this car should not have been sold to me.This car was bought at an auction and the car company was informed which they lied when I went back, not knowing both companies gave me the paper proving they were told. I informed CPS of this when i needed to call them and get my payment moved back a couple of weeks due to one of these high prices to fix this car. No one will trade this car CPS wo n't even help me. I 'm just about out of all my savings and will not be able to keep up with my payments if I have to keep fixing this car besides how dangerous it is to keep driving. please help me if you can I 'm drowning.
07/29/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DC
  • 20016
Web
* In a letter dated XX/XX/2019 requesting Debt Validation and Proof of Claim. Consumer Portfolio XXXX responded with a letter dated XX/XX/2019 with a document as proof of Dept. * I responded in a letter dated XX/XX/2019 with the following errors on that document : ( 1 ) There are two ( 2 ) different mailing addresses associated with the document. ( 2 ) Based on the amortization of the loan on page one ( 1 ) of the Sale Contract, the balance owed is not in accordance with the interest rate stated and the terms laid out in the Sale Contract. ( 3 ) The document provided was substantially different from the one we were able to obtain from Originator of the debt. In essence, a fraudulent document. * Consumer Portfolio Solutions, Inc letter dated XX/XX/2019, stated that " Your letter is substantially the same as a dispute that was previously submitted by you or on your behalf, either directly to us or through a consumer reporting agency, without additional or different information needed to investigate the dispute, and which we have already provided a satisfactory response. ''
07/10/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MD
  • 21223
Web Servicemember
Myself and my Girlfriend got a XXXX XXXX XXXX XXXX suv financed on XX/XX/XXXX. The dealership was XXXX and the bank that they got us approved with and financed with is CPS ( Consumer Portfolio Services , Inc. ) based in California. The " Amount Financed '' is {$18000.00}. The " Finance Charge '' is {$15000.00}. With 22.25 % APR/INTREST. Monthly payment for 72 months is {$470.00}. My girlfriend is the Primary Vehicle owner and I am the co signer/owner so we used her XXXX Credit to get approved. But what I've looked into is that is this is called a Predatory Loan? And yeah they definitely didn't run by everything with us and just had just sign our name on an XXXX and tap everywhere to sign everything and just kept scrolling so we couldn't even read what was in the contract. I called the dealership afterwards and asked them why everything was priced so high and they said " Its just what the bank approved '' so then I called the bank then they said " Your APR/INTREST & Finance charges have to do with the dealership so call them. ". So neither of them gave me an answer or solution.
10/25/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • WI
  • 53217
Web
Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. XXXX is in violation of the 15 USC 1605 Truth in Lending ACT. XXXX didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. XXXX purchased a fraudulent contract knowingly and willfully. I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services
07/20/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • IL
  • 60438
Web
Consumer Portfolio Services Inc. calls me more than 3 times in a day. Even after payment has been confirmed to be sent and speaking to representative of next following payment. Had caught up with my payments before this pandemic and had days off work because of XXXX XXXX XXXX. Doctor diagnose me with XXXX virus and I did notify this company, but was told they could not make in arrangements or extension for me. Consumer Portfolio Services Inc continued with harassment calls while I was trying to get better. All I could state is my plan was to do overtime as soon as I could get better. This company has called family member share information of my account with her by cellphone and calling her job on a recorded line regarding information regarding my account. Placing another party job in jeopardy that is not the account holder. Family member number is registered with the DNC registry and has asked this company to stop calling her and they continued to call from XXXX and XXXX. This company states that they are documenting the account, but continual to pursue bad practices.
05/23/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • NC
  • 28273
Web
I bought the car Contract Date : XXXX. XXXX XXXX XXXX I as the maturity date on the car is now showing XX/XX/XXXX due to consumer making non-requested extensions on this loan. Amount Financed : {$13000.00}. Per the company as of XX/XX/XXXX : Thank you for validating your account information. I wanted to reach out to you in reference to your concern about your account. Currently your payoff if paid today it will be {$10000.00} which this includes interest accrued of {$970.00} and your principal balance being {$9900.00}. You have currently paid {$110000.00} in interest and {$3100.00} has applied to principal balance. You are accruing daily interest on your account. I can send you a copy of your contract if you would like. SO I HAVE PAID OVER THE AMOUNT CONTRACTED BY NEARLY {$1100.00} AND THE COMPANY IS INDICATING I STILL OWE THEM AN ADDITIONAL {$10000.00}. OVER {$11000.00} WAS APPLIED TO INTEREST WHEN THE CAR WAS FINANCED AT {$13000.00}. TO PAY {$10000.00} PLUS THE {$8000.00} IN REPAIRS REQUIRED THATS OVER {$32000.00} ON A XXXX XXXX XXXX I WITH XXXX, XXXX MILES.
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
  • Their investigation did not fix an error on your report
  • MD
  • 21215
Web
After noticing an entry on my credit report from Consumer Portfolio Services , Inc. ( CPS ), I disputed it. The dispute was sent to all three ( 3 ) credit bureaus, as well as CPS directly. I did not receive a response until after I filed a complaint with this agency ( please see their response attached ). I followed the instructions provided in their response which reads as follows : " ... If you still insist this is a matter identity theft, please file a police report with your local police department and send it to our Credit Report Response Team for investigation at Consumer Portfolio Services , Inc., Attn : Credit Report Response Team, XXXX. XXXX XXXX, XXXX, CA XXXX ... '' I sent another letter, with police report enclosed. I then received a vague response, not remedying the problem. I replied with another letter asking for clarity. More specifically, what outside of the police report they requested, do I need to have this entry removed. They did not reply. Therefore, I still lack the clarity necessary to remove this fraudulent entry from my credit reports.
10/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • TN
  • 378XX
Web
I purchased a car from a dealership and consumer portfolios as the loan company that had given me my loan in XXXX. ( Cps ) my loan amount was XXXX and in state of tn the highest interest rate that can be applied by a bank or loan company is 18 % it is XXXX the end of my 5 year loan and so I went onto their site to look at my loan to see the pay off. It is XXXX. So I call them to tell them there is a mistake being made, per the payments that they have listed on my account that has been paid to them I have paid a total of XXXX. So there is no way I can owe XXXX. They said my interest rate is 21 % ( not legal ) but even if thats the case I have still paid the loan off. They said no becsuee 10 payments were pushed to the back and still with that I have still paid the loan off. Even if they applied a late fee every month for 5 years it would be paid off. They said I still owe the XXXX. I do not not. They said per their site that out of the XXXX I have paid only XXXX has been applied to the loan which is saying I am paying XXXX in interest. Thats 100 % interest ....
04/13/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Used obscene/profane/abusive language
  • OH
  • 44125
Web Servicemember
My daughter recently filed for bankruptcy and her car was included in that filing. She no longer wants or can afford the car so I decided that I would try to reach a settlement agreement with the lender Consumer Portfolio Services ( CPS ). We went back and forth a few times until we verbally agreed on a fair price. I acquired the monies needed then contacted CPS asking for a written settlement agreement, especially after researching the company a bit and finding out about their shady practices. I was told that they dont give written agreements because everything is noted on the account in their computer system. I had my daughter long into her account the notes they speak of is not visable to us. I called again to say that I 'm not comfortable sending that kind of money with nothing in writing. I 'm sure that CPS would not loan or give me money without a written and signed loan agreement. Their response was " we do n't do that, just send the money and we will release the title ''. This would somewhat explain their recent Civil Judgement with the FTC.
11/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60164
Web
Took out a loan with Consumer Portfolio Services. They have been a nightmare, at best. If I am one ( 1 ) week late, they have illegally contacted family members, called me at work, manipulated their number in my caller ID to show the name of a family member. All of the above are illegal and immoral. In the year I have had the loan, I have never been behind in the loan, yet they harass me on a daily ( calling multiple times ) basis. My wife is not on the said loan, although after my phone rings ( with manipulated number, which is my brothers name ), they will immediately call her once I do n't answer. My mother is quite ill and for them to illegally manipulate the caller ID should call for a law suit in and of itself.These people need to be stopped in their tracks. They are predatory lenders and need to have a class action law suit filed against them and their practice ( s ). When people are paying their bills, they can not illegally call other family members, illegally manipulate caller ID, or call the borrower on his job. Please help. Thank you.
06/12/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • PA
  • 17404
Web
I submitted a Billing dispute to the legal Council at Consumer Portfolio Services on XX/XX/XXXX and didnt get a Proper response i requested until today even when i speaking to them on the phone the multiple times they were saying these stressful things ive always INTENDED to pay for debt i ACTUALLY OWE but they just said this WITHOUT SENDING the documents i had requested i just got threats of getting sent to loss prevention i had to look up what that even meant i THOUGHT it was to help me but ive learned its not I wanted to fix this issues but all they have done is give A LATE PAYMENT on my CREDIT REPORT and send me MORE Statements which THEY WERE NOT SUPPOSED TO DO until this was cleared up or are they immune to FEDERAL LAW? Im under the understand that ALL people are created equal and are subject to FEDERAL laws statutes and codes which they did NOT follow and now i have this on my credit report which is further ruining my life this was NOT supposd to happen I was suppose to get the verification i had requested but that never happened!!!!!
11/30/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MD
  • 210XX
Web Servicemember
Received auto loan from Consumer Portfolio Services during bankruptcy. Made payments for several years via company website, with {$12.00} fees. Recently did some searching on the website and realized that there are no-fee options. ( Pay Near Me ). This information is not readily available on the website. Due to financial difficulties, I paid late, accumulating late fees. I was able to bring my account current this year, yet my monthly statements show Late/Service fees of {$7.00} and {$5.00} for the last XXXX months, respectively, with no explanation. Regular monthly payment plus fees does not match amounts due. I have consistently received phone calls and texts stating that my account is past due 1 day after due date, as well as past due texts after making payments on time. There is no indication of where my previous payments have been applied. I have paid more than monthly amount due, yet fees remain. There is a notice on my monthly statements that literally reads, " A fee of up to {$30.00} will be assessed on all '' What does that mean?
06/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30324
Web Servicemember
On my XXXX Credit Report, I'm showing a vehicle load I never applied for the person. Received car and financing terms in my name and my credit report was locked at the time this was placed on my credit and I couldn't receive debt due to being in a bankruptcy that was filed. Company Name Consumer Portfolio Services Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX I have contacted them several times on monthly basis from XXXX XXXX present but still have not received any information from company or return phone, and paperwork on vehicle. They placed a charge off on my account and did not verify any information upon opening or closing the account. This needs to be removed ASAP. Company XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Regional : Managers reached out to XXXX, XXXX, XXXX I also have an issue with an apartment complex XXXX XXXX XXXX. I never rented an apartment from this company and I have email XXXX XXXX regional manager on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX did not receive a response.
03/06/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • OK
  • 731XX
Web Servicemember
I am trying to understand the interest rate associated with my car loan. I purchased the car in XXXX, it's a " fee simple '' loan. The interest rate is something like 19 % - 21 % I can't remember off the top of my head. The purchase price was XXXX. I still owe over 15,000 on the car and it's been 6 years. I live in Oklahoma and purchased the car here. The car lot shortly went out of business after I bought it but they financed it with a company in California called CPS " Consumer Portfolio Services ''. This company was involved in a lawsuit in the past due to their loan and collection practices. I have done 3 extension agreements : - XX/XX/XXXX - XX/XX/XXXX ( included this one so you can see the verbiage ) - XX/XX/XXXX Also, I had gotten a couple payments behind with each extension. The documents state that the late charges for the payments included in the extension are supposed to be removed but they are still on the account. I included XX/XX/XXXX 's extension agreement as an attachment as I had the electronic copy saved to my PC.
09/20/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 461XX
Web
I have spoke with Consumer Portfolio Services corporate and sent in 1099 that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is discharged. The company claims they did not discharge the debt and that I am still liable although I have provided all necessary documentation as well as sent it to the companies indentured trustee who is also not responding. I have sent a letter to the indentured trustee with this information also. The IRS has accepted the 1099 and CPS actually sent me the copy B to the 1099 form, not the IRS. CPS is stating they did not send that. This is stated on a recorded phone call with a manager of corporate. Please forward this 1099 to the indentured trustee of CPS per your Sec.gov filings and ensure my account is updated. I have also called and emailed several VP 'S and the CEO of this company with no responses. This is unacceptable. Thanks to this situation. My XXXX which I have been free from for 3 years have started again from the stress of this.
09/20/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OH
  • 436XX
Web
Consumer portfolio services and XXXX XXXX XXXX XXXX entered an agreement with us on XX/X/2011 for a 60 mo loan. it should of been over by last XX/XX/XXXX yet it is showing we still owe 5+ payments at late fees. They have improperly applied payments to interest instead of applying any of the extra money to any owed fees and principal as they should of. They were ready to " settle '' the account for less, but failed to even mention the fact that it would damage our credit even further than it already had. We started off paying ahead on the loan, and yet still got it with late fees, which started a downward spiral of credit issues on this account and every time paid extra to get back on track they would mislead us and apply the money incorrectly. now I am still paying on a car almost a year after it was supposed to be paid off, how is that even possible. if we would n't of got a second opinion on this, then we could of been stuck in a cycle of paying for this car forever, even thought the bank received more than their fair share.
07/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93280
Web
I sent a letter to the credit bureaus and the creditor on XX/XX/XXXX which was received by certified mail XX/XX/XXXX. I never got a response all I see is that they changed my account status to open and show a monthly payment frequency. Thus account is closed and being disputed for accuracy. They never sent contract or to show proof this ia my account all they do is say it is verified. Consumer portfolio services updating my account to show open with monthly payments is a direct violation of my FCRA RIGHTS. also the credit bureaus who allow them to show account charged off but open is in accurate reporting and also a violation of my FCRA rights. They both can be sued for each violation they continue to make. I have multiple certified letters asking for all documents for this account. After this step I will take legal action against them and the credit bureaus for abusing their reporting authority in a defaming way towards me. I will be seeing for each individual violation which is {$1000.00} per error according to the FCRA.
02/07/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • KY
  • 40014
Web
I have an auto loan through consumer portfolio services. In XXXX XXXX, my husband lost his job and we are no longer able to afford this loan. CPS offered to defer some auto loan payments and I declined. I advised a voluntary surrender was best for my situation. I received a notice in the mail yesterday, CPS processed a due date change moving my payment out 30 days and extending the loan even after I advised I ddi not want this to happen. It appears in XXXX CPS was fined for unilaterally modifying contracts and other illegal business practices resulting in them paying the FTC XXXX XXXX in fines and penalties. I believe the practice I described above is continued unilateral modification of contracts without my consent. On XXXX/XXXX/XXXX, I called CPS and spoke directly with a man named XXXX XXXX at XXXX ext XXXX or direct number of XXXX who advised he would forward my file for voluntary surrender. I have attempted to contact this company regarding the " due date change '' they claim they processed on this loan to no avail.
07/08/2022 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
  • TN
  • 38125
Web
I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. CONSUMER PORTFOLIO SVC HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCCORECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT.
12/06/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • IL
  • 606XX
Web Older American
I purchased a used car from a dealer that said buy here pay here. I thought the dealer did their own financing but instead they use Consumer Portfolio dand they are ripping people off under the guise that they help people with poor credit.My loan was supposed to be paid off in XXXX of XXXX but they told me that since I had 2 extensions it would be paid off in XX/XX/2023. Now I called them about why my balance is still too high to be paid off in XXXX and they tell me that the same 2 extensions are causing interest on the loan again. They are charging interest on top of interest. They are preying on seniors and people that have poor or no credit.I have been paying for this car for over 4 years and have been making my payments on time and sometimes early. I have also had to put in a new engine 2 times. the company told me to send in repair bills because the engine failed before 30 days after I had purchased the car and they told me to send in repair bills but they never reimbursed me nor did they return my phone calls
03/07/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • WI
  • 53217
Web
Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth in Lending ACT. CPS didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services
08/14/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • GA
  • 30083
Web
When I first purchased the XXXX XXXX in XXXX I asked the dealer for GAP insurance. My daughter totaled the vehicle XXXX. I found out that day that the dealer did not add GAP insurance as requested. The insurance company paid XXXX towards the XXXX that was still left to pay. The loan company did not apply the check right away which caused more interest to be added to the account. I called to request a reasonable settlement amount so that I can pay off the car, I have always paid on-time and have always payed over the loan amount. The balance is around 1900. They offered XXXX as a settlement. I believe that they have been excessively charging interest and intentionally did not apply the insurance check to the account immediately so that more fees could accrue. I was told that the only option was to pay the XXXX, or else the full amount which is still accruing interest. After experiencing this, I would like to have my account looked over due to believing that I have been paying more interest that is actually owed.
05/11/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 184XX
Web Servicemember
Consumer Portfolio Services , Inc XXXX XXXX XXXX XXXX CA XXXX I had my XXXX XXXX XXXX finance by this company as of this day the loan has been paid but I had very bad accident XXXX which has left me unable to work and cut my income to XXXX for a couple of years , I contin ue to pay my monthly note of XXXX to Consumer Portfolio Services. And the were times that I could n't make the payment on time so I had some late fees I conti nue to pay the company {$390.00} per until the late fee has been pay to this day. I just made a payment in XXXX of XXXX I spoke to XXXX XXXX from the company and inform her that I can pay this off, but not all in one check t he response was it has close by XXXX XXXX XXXX , or we going take action. On XXXX at got call from an unknown number, XXXX XXXX , thi s person did n't acknowledge oneself, I did call the number back and it roll over to Consumer Portfolio Services. I will continue to pay this bill as of XXXX as of this day.
10/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43017
Web
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). On XX/XX/2018 and XX/XX/2018, CPS reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.
08/29/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • DC
  • 20002
Web
I do not have exact dates but in 2014 I had an auto loan with Consumer Portfolio Services. At the time I was not working and was unable to pay my car not and fell behind. I did begin working and starting making payments but before that time they would call 5-6 times a day. The callers were very rude and threatening. I have had to hang up the phone because one caller would n't get off the phone until I gave them a checking account number. They also repossessed the car when I was still catching up on the payments I was behind on. So I feel like if I am giving you payments I should be able to keep the car. Also, the company called 2 of my references and told them both I was behind on my car payments. They were harassing one of my references to the point they became upset. They also told the reference to go find me on social media like, XXXX or XXXX. This issue is currently affecting my credit. Also, the company somehow had my insurance to fix the car because there was a slight dent in it when it was repossessed.
02/28/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • IL
  • XXXXX
Web Older American
This company Consumer Portfolio Services has been ripping people of and preying on people with bad or no credit. They manage a subprime lending group to finance individuals in need of autos so they can deal with dealerships that sell used cars and then they get funds from the sale of the cars along with the dealer. I have a loan with them and was told that it is a simple interest loan with more interest going toward the payment than on to the principal. Most individuals are upside down on the loan because of the interest being so high and it is ridiculous. They also charge an extra 12 dollars just to use a debit card or electronic check unless you use their service XXXX that is located in stores such as XXXX, or XXXX XXXX and it has to be cash to use these services. I am also inquiring about how the manage to put my account in arrears a few months ago when they told me that since the car stayed broken down that they would put 2 of my payments toward the end of the contract. They are ripping poor people off.
09/18/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TN
  • 38134
Web
Hello I am filing a complaint because the car I purchased was totaled in a car wreck and my insurance refused to pay it off after they totaled. I can not drive the car at all I told the lender what happened they still trying to make pay a car that I can not drive after a drunk driver hit my son and they do it the lender and the insurance company I was played twice with this insurance company. A young lady hit me the first time and the insurance did not pay for it and she was going the wrong way but I can not afford to pay the lender holder about this car? Trying to figure it out how can get another vehicle but keep getting denied because I have and open loan with this lender and bern trying to get some help trying to get a lawyer no one will help me they keep saying I should have ask for uninsured motor something they was never offer to me because I had full coverage on the car. I got a chance to pay one car not but after the accident they told me not to pay another note because the car was totaled
05/24/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • OH
  • 43147
Web
I was assigned account number XXXX for a XXXX Nissan Rogue in the amount of {$11000.00} from XXXX /Consumer Portfolio Services XX/XX/XXXX I never received tile and ultimately the vehicle. When I inquired about this account I was told XXXX XXXX XXXX was ultimately responsible for the vehicle and suit was filed against the company. I was told I would receive in writing a letter to present to the credit bureaus removing this debt as part of the class action lawsuit against consumer portfolio. During the investigation two years ago it was determined that the vehicle in fact was never registered and the loan and title was not properly processed by XXXX and Consumer Portfolio and the vehicle was in XXXX XXXX XXXX possession. Again, I am asking for this account to be removed from my XXXX credit report as it has already been removed from my XXXX and XXXX. Please send in writing to my address below when this account has been removed. XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, OH XXXX SSN # XXXX DOB : XXXX
12/06/2018 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
  • 78520
Web
I have reviewed this company 's response regarding the release of the CAR Title. The state of Texas has no record of this title and the state of California is expecting me to hire a notary, pay the notary plus pay for a duplicate title. This company did not update their records accordingly and obviously can not keep updated information regarding a past due amount which does not exist. I have been living in Texas for 10 years since XX/XX/2009 and the car was purchased in California. I made all my payments on time and this company failed to update their information with the Department of Motor Vehicles. This is not a frivolous request and I should not have to incur further expenses due to their incompetent ways of keeping accurate and correct information. I am demanding the Car Title delivered to my home address immediately. Why should I have to pay for this company 's erroneous record keeping. I have contacted the Attorney General 's office and they have also will be conducting an investigation.
04/08/2019 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
  • PA
  • 19140
Web
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
02/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30269
Web
Consumer Portfolio Services has been calling me at work on my cell phone about a loan I have nothing to do with. I did not co-sign the loan or assist in getting the loan in any way. Sometime in the last two years my husband purchased a car which Consumer Portfolio Services apparently financed. My husband lost a high paying job when the economy went bad all of are financial affairs are completely separate. I have not co-signed any loan for him or in any way assisted him in getting that loan. For months Consumer Portfolio has been calling me at work. I work in the XXXX and can not be receiving calls like that at work. I have told them to stop calling me on my cell phone and they wo n't. I have told them to stop calling me during work hours, they wo n't. On XXXX XXXX, 2016 I sent them a certified letter telling them to stop calling me on my cell phone while I 'm at work and that my name was not on that loan. They continue to call me twice a day even after I sent them the certified letter.
04/15/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CO
  • 80122
Web
So my XXXX year old wanted to get some air, we let him go in our front yard, thinking no one would dare come within 6 feet of him during a pandemic. However, XXXX XXXX XXXX sent a man to my home to deliver a collection letter and HANDED IT DIRECTLY TO MY XXXX YEAR OLD CHILD, risking the health of my family!!!! Most likely because we have a cease and desist on the phones due to all the dialer calls. Couldn't he just have posted it on the door, or walked to the garage door to tape it up?!?! My XXXX year old asthmatic grandmother lives here. CPS couldn't even wait for stimulus checks to drop before risking the health of my family, also our balance is now XXXX since the stimulus check came today. I am going to do everything I can to get our car loan out of their hands. As a former XXXX XXXX, I can fully accept standard debt collection practices under normal circumstances, but not in the middle of a pandemic!!! That is so risky and I hope they have not infected other households!!!!!
05/03/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • KS
  • 66061
Web Older American
Used vehicle loan XX/XX/2020 Consumer Portfolio Services IncXXXX {$16000.00}, 22.25 % XXXX XXXXXXXX payments totaling {$10000.00} paid to date. Principle paid $ XXXXOnly two payments were late. $ 416 monthly payment applies {$110.00} toward Principle plus a {$14.00} fee to process each payment. Attempting to sell the vehicle to a dealership. Consumer Portfolio Services , Inc. is not cooperating with attempts to obtain the pay-off amount over the past several past months. At least ten attempts were made to request a letter with compounded interest the way the buying company needed. Unable to obtain on letterhead. Unable to get quote modified according to XXXX request. XXXX said they could be reached on Saturday but no one answered the phone. They would not cooperate to do a three-way call. Another company is interested at a lower rate with the same problem of communication. XXXX is the next challenging attempt to sell the vehicle and get out from under the high interest rate.
02/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • OH
  • 452XX
Web
in XX/XX/XXXXI bought a used XX/XX/XXXXcar and was financed through Consumer Portfolio Services. I was never told it was a simple interest loan. The interest rate is 20.45 %. The car was sold at XXXX. To date, I have paid {$16000.00} on the car and CPS has applied it all towards the INTEREST. The principle has only had XXXX applied to it. I have paid XXXX in 5 years in fees. I was not told that I had to " mail payments in by check '' if I wanted it applied to the principle until I finally asked what was going on in XX/XX/XXXX. I am having financial difficulties and they repossessed the car on XX/XX/XXXX. I have asked them multiple times what I needed to get a lower interest rate or what I needed to do get out of this loan with no answers. About 3 months ago I had to tell them to stop harassing me at work and in the evenings with constant calling. These are deceptive lending practices. I need help. If i keep this car I will have paid almost XXXX for a XXXX car.
12/05/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 15237
Web
I have an account with consumers portfolio, three months ago I called to tell them that I was having some hardship issues, I was off work because I was sick and my hour had been reduced. During the pandemic. I continued to make payments but I couldnt make the whole payment at once, three months has pass and I hear nothing from them, I kept sending text through their portal and no response, I always sent a messages letting them know how much I was paying and the date and when I would pay the difference. I got a email from them in stating that my car was going to be repossessed, I was puzzled because no one called or texted me, for months. I ask for help again and told they couldnt help me, I asked for a lower payment and was told no that they couldnt help me. I need help. I dont understand why the car dealership placed my car loan with a debt collector, when I traded my vehicle in for this one. I believe Im being taken advantage of my this company and the dealership.
05/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 95608
Web
Starting XX/XX/XXXX I called consumer Portfolio Services , Inc. at XXXX. I had spoken to several customer service reps for this company. I had explained way before my car payment was due XX/XX/XXXX to them that my check was short and would like to have my payment for XXXX deferred due to this. Each Customer service rep told me that i need to wait for an email to let me know if the supervisor will ok my deferment. All I got was the run-around. and when I called them early enough I was told that I had to wait until my payment is past due then call back which makes no sense. I paid for XXXX and today on XX/XX/2020 I received a text from this company sending me a reminder that my payment is due for XXXX. I paid for XXXX and I need them to defer my payment for XXXX. This company is not working with me I have made numerous calls to this company and I get no help at all. Why do I have to wait for them to send me an email regarding geting my payment for XXXX deferred?
11/09/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92021
Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. Ive also never given this company permission to contact me and not only did this company contact me but this company contacted and harassed my family members as well which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me and my family. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
10/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IL
  • 60473
Web Older American
I filed Bankupty back in XX/XX/XXXX. Cancelled the Bankupty in XX/XX/XXXX. My car was included in the Bankupty. After the Bankupty was cancelled my car note company XXXX XXXX XXXX said I was behind on my payments. {$1200.00} dollars and they wanted it then. Well I paid it up in the next several months. Next I notices that even thought I was paying them, they were still report negative information to the credit XXXX. Furthermore I have being asking for monthly statements showing the payments I have made and when my next payment was due ; but time after time I have asked and no statements are being sent to me ; asking since XX/XX/XXXX. This account shows on my credit report as a charge off. This suppose to be why they cant send me statement, but I am suppose to keep paying them every month without a statement to remind me and the dollar amount thats due. I am a senior citizen with XXXX. This is very stressful! Theyre already charging me to much for this car
10/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28105
Web
This company has obtained my credit report without my consent and for no legal reason. The credit reporting agent on the phone even agreed with me. This was a recorded call and can be verified once the company provides the recording. That he was unaware as to why his company will pull my credit because he was told they pulled my credit to obtain contact information. This is untrue because just a couple weeks ago I updated and verified my contact information with this company. Lastly they pulled my credit to obtain the same contact information that I gave them a couple weeks ago and did not even use this information. The company did not call me or contact me once they pulled credit. So why did they pull credit. What legal reason do you have to pull credit. Now I am terrified that you are pulling credit to obtain information that was given to you because you lost my information which now I am scared that my private information is out there for all to see.
09/30/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • PA
  • 19124
Web
We asked to be released from the loan, when we noticed they closed the Account without warning.There also charging the account while its closed at the same time. We found out the vehicle was a rental which wasnt disclosed not only that, its been in several accidents. We tried taking it back after we seen the report on the XXXX which the dealership provided. Heres the problem they asked for money down which was {$4000.00} then we was paying on time every month & in a 10 month range the total of the vehicle never declined nor decreased. At the moment we do not have the vehicle & we are still being charged for the vehicle after they closed the account. All we want is to be released from the loan as soon as possible. I feel like they ripped me off & never did anything about it when I brought it to there attention. I have read they not only did it to me & my wife but theres others the pushes over & made threats too. Consumer portfolio service is the company
11/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • DC
  • 20020
Web
Consumer Portfolio Services account # XXXX is reporting an Auto Loan of {$1800.00} on " ALL '' 3 Of my credit reports. I contacted Consumer Portfolio Services about the account & was threatened if I didn't get on a payment plan, this will remain on my credit reports. I didn't understand why they couldn't remove the account since it's past the statue of limitations ( Isn't it my right to have this removed? ) I was easily manipulated into getting into a payment arrangement of {$150.00} a month until the balance is paid off. Since I no little about credit & these situations affect my job I made a payment XX/XX/2019 of {$150.00}. I later was researching and saw after 7 yrs. a closed account should be/could be removed due to your rights under the Fair Credit Repotting Act. I tried disputing this with the credit Bureau 's but they will not remove the item. This account is past 7 yrs. old, it's 7yrs and 4 months old. Can you please help to remove this item.
01/25/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 77082
Web
I have sent a cease and desist previously and spoke to someone there about calling friends and relatives pretending to be law enforcement and telling them I was going to jail. This was six months plus ago, before loosing everything in hurricane Harvey. The last week 3 of my relatives and a family friend, received calls from this company saying that they were the district attorney looking for me because they were going to arrest me. One call even threatened that they would be in trouble if why did not give up my whereabouts. I have never not had a cease and desist, and I have asked them to not call and scare my mom and relatives any more. My mom has had a XXXX XXXX and has a XXXX. They are calling her and threatening her. They called my cousin on Monday and disclosed all my personal information and then told her, I was going to jail. This is a terrible form of harassment. Please help. They call at least 9 times a day. To me and my friends and family.
04/07/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MD
  • 20715
Web Older American
Dear CFPB i have owed this company consumer portolio sinceXX/XX/XXXX. the balance never seem too cease. XX/XX/2020 my car was hit sitting at a traffic light, according to XXXX my insurance co the car was considered a total loss because the air bags ejected. the loss amount of XXXX was paid too consumer portfolio. this company never called me to discuss my other options, except continue to pay and they considered my account in the rears even though payments was made in XXXX. it was said to me on XX/XX/2020 when i called that the payment did not come from me so my account is considered late and more late fees has been added to the account. i was so upset because the black balled my name with the credit bureau 's. i can not get another car even if i want too. plus with the virus out here killing people, i have not been able too work since XX/XX/XXXX, my workplace was force too shutdown. so now i have no car and can not get one. please help me!
02/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 891XX
Web
XXXX XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff CONSUMER PORTFOLIO SVC XXXX**** Balance Owed : {$17000.00} Chargeoff XXXX XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
04/06/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • NY
  • 11370
Web
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. Please and Thank you I entered a consumer credit transaction with Consumer Portfolio Services on XXXX.which involved a finance charge along with a down payment of {$1800.00} cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth In Lending Act. CPS didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K
05/20/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 70115
Web
I received a letter from Consumer Portfolio stating they were willing to settle the debt for half of what they stated the balance was. If this is possible, why are they still reporting the entire balance of {$15000.00}. The letter stated I owed them {$8000.00}. The vehicle was paid on time for 3 years. Once I voluntarily surrendered it, they started reporting it late and waited 3 months to pick it up. I had a previous debt with XXXX which they stated I owed {$7000.00}, which they agreed to settle for {$700.00}. If one company can agree to take such a reduced offer, I am sure they all can. I know these companies rip off consumers with these high interest rates. After 3 years of paying {$680.00} a month, the money had paid for vehicle twice. These companies have insurance as well which pays them for default. This is why our Country is the dire shape it is in because of Corporate greed. Please help fix this situation.
10/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • IL
  • 60426
Web
I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX XXXX XXXX. I was also told they would also need a 5 year verification letter stating I will be getting public assistance for the length of the loan. 15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. My complaint was previously closed because CPS attached a adverse action notice ( that I never received as required ) in response to the violations of discrimination. CPSs response to discrimination allegations was far from thorough. If no remedy is being offered, legal action will follow.
02/16/2023 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
  • CA
  • 93280
Web
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX During all these dates I've reached out multiple times to a XXXX XXXX to settle. Just so that I can clean up with no a minute of this debt because they did not send all of the proper documents and can not provide any of the proper documents for the repossession that were sent to me nor can they prove which address they were sent to. I have tried to call every time I call or speak to anyone no one has my account on file or records there therefore if they don't have my account on file anymore or no records of my file with that company consumer portfolio services I dispute it needs to stop reporting on my credit report since they have no record no one does. At this point it is going against my FCRA rights I've tried multiple times and no replies but it keep actively reporting you can't report on an account that you no longer have whenever I call to speak to any representative.
08/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 92571
Web Servicemember
I fell behind on auto loan able to make first payment as requested by a representative I for saw that I would have trouble making the next three months payment. He stated to me he would be able to discuss and give me other options once this payment was made. I made the payment and have had no success in discussing any options. I have since called several times for three months I get the same representative or voice mail, with no call back. The customer service reps are rude, over talk you have no knowledge of services available, start shouting matches, arguments and refuse to discuss any thing on your account available to you. I am threatened several times over a conversation that my car will be repossessed. Several attempts have been made to contact any supervisor or anyone for that matter who can handle my situation, the phone is rigged to a phone number that will not transfer to any other extension.
02/18/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • OR
  • 97301
Web
I have had a loan through Consumer Portfolio Services for a few years now. They have been calling at all hours as well as contacting references on the loan even when we have made arrangements for late payment ( these contacts of references have included XXXX lying to the reference saying they were seeking to hire me to gain personal info on me ). The calls never stop, they call me XXXX and XXXX times in a row and them attempt to call my husband. Recently I have made {$2500.00} payment attempting to lower the principal but the company took {$640.00} of that and said it was because of back interest on the loan. We no longer need the vehicle and are trying to sell it to carvana but getting answers about the payoff is like pulling teeth. They are rude and threatening and it is not acceptable. I was advised to contact a Local Contractual Attorney to find out out if this contract is even legal in my state.
10/01/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • LA
  • 70816
Web
I purchased a car loan from this Company in XXXX 2015. I advised the car salesman when asked for my employment number that I can not receive personal calls from work. I was advised my work number was needed to verify employment. My employment was verified before I was able to purchase the car. Ever since I purchased the car, they have been harassing my supervisor and Human Resources Department for late payments. My supervisor advised them on recording at work that I was not able to receive personal calls as they were tying up a consumer line. A representative at Consumer Portfolio Services said they would delete the work number and not call anymore. A day later, the calls begin again. I am trying this as a first attempt to stop the calls. I was advised that if this did n't work, they will be reported to the Attorney General 's office as all calls are documented and recorded at my place of employment.
07/21/2019 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
  • 33810
Web
To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. I thank you in advance for your cooperation and hope to hear from you soon.
05/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95377
Web
Hello, I am writing to dispute a collection reflecting on my credit report. Creditor : CPS/XXXX Amount : {$500.00} Date Opened XX/XX/XXXX This shows it's a debt for an Auto Loan. It still shows that I owe money to my loan which I do not. I have completely paid off this loan back in XX/XX/XXXX It is also showing several late payments as well that is uncorrect. I have called this creditor to get this resolved they mentioned they would remove lates and update the system to show paid but this is still reflecting on my credit report that I owe. The company has provided me a Letter of proof stating that this debt has been paid. I would like to request this debt to be Updated to show XXXX balance owed including removing falsely lates. Please let me me know what I have to do do get this removed especially since this debt has been paid and I have proof of the letter attached. Thank you, XXXX XXXX
07/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • IN
  • 471XX
Web
We obtained a loan with Consumer Portfolio Services through XXXX XXXX XXXX in XX/XX/2011. At the very beginning there was a foul up and after originally signing papers they had us come in and sign more because " something was wrong ''. Mistakenly I signed without reading and then was saddled with an exorbitant interest rate ( 18 % + ) and despite the fact that I was making the payments, which were now higher than originally expected, the balance was not going down. Then started a cycle of charges and being told by employees that I could not make payments through billpay ( which were free for me and posted to the company within 24 hours ), I had to go through XXXX XXXX each time ( {$12.00} charge per payment ). Eventually the car was repossessed and despite paying $ XXXX to the company ( original loan was less than {$25.00} ) I was sued for another XXXX and am now having my wages garnished.
03/17/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • FL
  • 32221
Web Servicemember
I filed a XXXX XXXX in the State of Florida which has been discharged for a year now. When going through the bankruptcy with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I entered a repurchase auto program. It turned out to be the worst mistake in this process. After 1 year the auto XXXX XXXX XXXX XXXX is only worth XXXX purchased at XXXX just a 1 year of ownership. I was a homeless XXXX Veteran just trying to get back on track. XXXX XXXX XXXX XXXX FL and all parties involved really XXXX me. I already suffer with major XXXX XXXX from my military enlistment and this has me broken. I have a XXXX XXXX that helps other homeless vets and the less fortunate. We're in need of the right pickup truck to pull our grills feeding the community of veterans in need. I can't trade this vehicle in as I'm so upside down and just broken in spirit. XXXX XXXX XXXX was the company my Attorney referred me to. Thank you
09/24/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 76148
Web
I had a car loan with consumer portfolio services I got behind on the payments and talked to them about it. They told me that they would work with me and I could defer 1 payment so we did that I thought, they never deferred the payment. I thought it was done. XX/XX/2016 they repossessed my car.I had a lot of personal things in the car. THey would not and still will not tell me where my personal belongings are. I have called email left messages no response.I call get voice mail they call back at a time I specifically tell them I will not be available and leave messages like I wasted their time having them call me. I have a list that was sent to them several times of everything in the car and no response I 'm sure my things are long gone by now but there was personal mail with personal info on it too. I think they should replace my things and if they are gone compensate me for my belongings.
01/16/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 183XX
Web
When becoming a few days past day, Consumer Portolio Services will call you repeatedly until you pay off the debt. Unfortunately, my husband was laid off recently and I have had to pick up all of the bills in the house and have become behind in my payments to XXXX. I am currently 3 months past due and I am trying to gather the money to pay off my outstanding balance in full. XXXX has called repeatedly every day including weekends from XXXX to XXXX with about XXXX calls per day to myself and my husband and once or twice to each of my referrals including my employer. The calls began XXXX XXXX, XXXX and continue daily. At this point I ignore their calls because they have become so overwhelming. They offered to help me when through a email message to get back on track but once I called they said the only thing they would be able to do is give me one week to pay off the outstanding balance.
05/02/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • GA
  • 30253
Web
The business is Consumer Portfolio Services and they are a loan shark company. My purchased vehicle is worth {$14000.00} but yet I owe {$30000.00} o n the loan. My cosigner died and the dealer stated I could refinance vehicle. They stated that they were an investment company and it defeats the purpose for those who had a recent bankruptcy and there they only company dealers are using to help those reestablish there credit. Furthermore its majority XXXX American citizens and the systematic XXXX used at dealerships to place XXXX borrowers with this company is bias. I recently tried to refinance car and they wanted {$20000.00} down. I've been paying for 2 years and only {$4000.00} has been applied. They should not be able to do business like this targeting only XXXX borrowers. White people file bankruptcy as well but seem to recover just fine. XXXX families seem to just keep getting XXXX.
07/29/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20782
Web
I purchased a auto loan with CPS Consumer Portfolio Services Inc. on XXXX/XXXX/14, I informed them that the vehicle odometer was tampered with, and the dealership refused to pay my old auto loan off which damaged my credit. After reviewing my complaint. CPS informed me that this loan was null and vold because the Auto dealership violated their agreement with CPS, regarding opeing up a new loan with me because I had XXXX auto loans currently open. I ask CPS to provide me with a letter explaining this information before I return the car, because I was n't confident my credit would be safe without any documentation of our conversation. I never received a letter. The phone payment system stop processing any payments, and two weeks they repo the vehicle and they are not responding to my inquiries. I 'm afraid they are going to ruing my credit score and not going to remove this from my credit
11/13/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93274
Web
Consumer Portfolio. I am so frustrated with them. I turned in a car, and they were supposed to take the money off of the account from the car I turned in. But they never did. The dealership closed, and I have no way of contacting them. I have no idea what in the world Im supposed to do. Nobody ever answers. They arent even doing a real investigation. I dont even owe this money, and they are reporting this account on my credit report as a charge off. Its impossible. They are falsely claiming I have a charge off account with the account number of : XXXX. This is so frustrating. I am an honest man, Ive never done no one wrong. I feel like the car dealership stole that car. Consumer Portfolio has no right in trying to collect this debt. Ive asked for validation and they just ignore me entirely. I read online that my rights are being violated and that this is all illegal. Please help me.
01/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • IL
  • 600XX
Web Servicemember
On XX/XX/XXXX I submitted a request for SCRA benefits due to my Home of Record being Louisiana- a Key Provision state- to Consumer Portfolio Services. I submitted orders and asked if anything else was needed and received no response. Two weeks later I was told someone named XXXX had denied me. I used the chat function to speak with XXXX who reviewed my account and the laws with management who then said I was approved and my account would be processed for the lower interest rate that day, XX/XX/XXXX. On XX/XX/XXXX I was told XXXX again denied it. I have emailed, called, and left a voicemail for this person and can not get a response. Today XX/XX/XXXX I decided to chat again and was told it was under review because my documentation submitted didnt have an ending date of XXXX XXXX so my request is now under review. I am still XXXX XXXX and this loan was taken out in XX/XX/XXXX.
07/10/2017 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
  • GA
  • 30034
Web
I am a consumer who has been a victim and I know my rights. on XXXX XXXX, 2017 their were four inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all three credit bureau so far I had no luck . I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXXXX/XX/XXXXwas consumer portfolio service, inc, XXXX, XXXX XXXX XXXX XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.
05/15/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • XXXXX
Web Servicemember
XXXX of year 2017, for Consumer Portfolio Services , Inc. Offer me a loan for XXXX XXXX and 72 months to pay it off with high interest. Considering the circumstances, I sign the contract. Fast forward Im in my 5 year and was very excited that I was only 1 year too pay this loan off after I paid over XXXX. I was disappointed that the company gave me a statement provided that I still owe XXXX and after I call stated my payoff will be a couple of years from now. I am a hard working XXXX that pay the bill on time and very accountable and dependable. This is company need high attention and investigation. Totally untrustworthy, harassing, fraud, embarrassing, most important negligence of contract. Provide false statements on bills to me and perhaps other customers need to stop and respect good clients that pays there bills not to be ripped off, please support, thanks in advance.
07/31/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80401
Web
I Co Signed a car for my ex girlfriend. We had a huge hail storm In Colorado and did about 6000 dollars worth of damage to her car. The insurance company issued a check to her dad and not the lien holder and her dad. She never had insurance herself. They pocketed the 6000 dollars from hail. And claimed the car as totaled. There was no reports of another accident or anything that they claimed to there insurance. Which sent them another check for half car being totaled out. So it left a balance of 7000 due to her and her dad not having gap insurance from a false accident report in the first place. So now the debt collection agency is saying I owe the rest of the money and is ruining my life and credit score by adding missed payments I should not be responsible for. If there is anything yall can do to help me please let me know. I dont what to do anymore. Thank you
03/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48219
Web Servicemember
Consumer Portfolio Services ( CPS ) accessed my credit file without my authorization and reported out an inquiry for credit that I never requested. They received my information from a third party. The third party has acknowledged this error and requested CPS to remove the inquiry. This letter was signed by a XXXX at the company. I have also submitted several letters to request the removal. I did not authorize CPS access to my credit file for lending purposes. Furthermore, I have an active extended fraud alert that states that I must be called day or night to verify any credit request. At no point has CPS contacted me to confirm my identity, that I authorized access to my credit, or that I indeed wished to obtain credit. This is a violation of US code 1681 c-1. CPS continues to refuse to acknowledge their fraudulent access to my report and remove the inquiry.
04/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70065
Web
To whom It may concern XXXX and Consumer Portfolio services My account is reflecting 100 % paid in full but you also state that there is a written off balance if an account was brought to a XXXX balance and reflected at 100 % paid off how can a debt be sold to another come I have never signed with no proof of the debt was provided as well the information that is being proved to the bureaus is inaccurate and incomplete which makes this account in violation of the FCRA laws and my rights as a consumer to have accurate and complete information reported to the credit bureau not only have you violated my privacy Right you have violated my FCRA RIGHTS AND I AM DEMANDING THIS ACCOUNT BE DELTED FROM MY CONSUMER REPORT YOU ARE IN Violation of the laws by not reporting an accurate and complete credit report bc by the balance stating paid in full with a XXXX balance
08/19/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 92883
Web
I have an Auto Loan with Consumer Portfolio Services that commenced in XX/XX/2015. The balance was {$22000.00} when it commenced and my APR is 14.99 %. My monthly payments are {$470.00}. I made a {$470.00} payment XXXX/XXXX/15 for the XXXX XXXX due date, a {$470.00} payment on XXXX/XXXX/15 for XXXX XXXX due date. I then had a bump in the road and CPS agreed to give me an extension. Next payment not due until XXXX XXXX. Since then I 've made my payment of {$470.00} on XXXX/XXXX/15 and {$470.00} on XXXX/XXXX/15. They are claiming that my balance is still {$21000.00}. I know my APR is high but I 've done the math and they are showing an incorrect loan balance and wo n't fix it. I would like to know what can be done. Also they funded this contract before my Chapter XXXX BK discharge on XXXX/XXXX/2015. Can I just give the car back and tell them to pack sand?!
11/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33180
Web
Around XX/XX/XXXX, XXXX-currently, I contacted Consumer Portfolio Services ( CPS ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with CPS and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.
01/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63033
Web
Consumer Portfolio Services is reporting an Account on my XXXX Report without my Consent. XXXX and the Reporting company known as Consumer Portfolio services is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( XXXX ) of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
04/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Can't contact lender or servicer
  • NJ
  • 08757
Web Servicemember
I have consumer portfolio services I pay monthly for my car. I paid XXXX car payment and it wasnt credited to my account. I tried paying XXXX XXXX and for some reason it kept saying failed but I knew I had the money on my credit card. So I called consumer Portfolio service and it went to someone house phone that works for them left messages. Then I called my credit card company and with transactions when the payment that was getting declined said XXXX but also said it was going towards a mortgage payment. I called XXXX and of course no answer let a few messages then I called my credit card company and reported fraud and canceled the card and getting a new one. I am so beside myself I am grateful that it didnt go through. I am not going to pay them with my bank account so I dont know what to do. I also want to know what happened to XX/XX/2022 payment
03/23/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • TN
  • XXXXX
Web Servicemember
XX/XX/2018 - I receive a letter from XXXX XXXX about validation of a loan I previously had with the company. She did provide me with the original contract from the dealership. She also provide a loan summary. However, I tried using this account number provided to login there online system and this do not give me any information on my account ( i.e. payoff info or current balance ). I tried calling the XXXX number provided and I seem to get no resolution of how to settle this account. I explained that I need this removed from my credit profile and it states a CO on my report. No one seems to provide me any info of how to settle this. I was told that the account was most likely sold to a debt collector. Even though I provide my contact information with the company. I still have not received a bill or current statement to attempt to resolve this matter.
08/03/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NV
  • 89121
Web
My car was repossessed on XX/XX/XXXX which is against the law and without my consent. I have spoken to the supervisor and sent emails following that date about the violation that they have committed against me according to congressional law 15 USC 1692f ( 6 ) ( b ). That clearly states in fine print that there is no present right to possession of the property claimed as collateral through enforceable security interest. They are also in direct violation of 15 USC 1635 that states when an obligor exercises the right to rescind under subsection ( a ) he is not liable for any finance or other charge, and any security interest given by the obligor under this section. The creditor shall provide ; in accordance with the regulations of the bureau, appropriate forms for the obligor to exercise the right to rescind any transaction subject to this section.
09/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20011
Web
I am XXXX that you have included information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws insure that bureaus report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. the following information therefor needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!
01/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • SC
  • 295XX
Web Older American
I purchased a car from XXXX XXXX In XXXX SC. The lender is Consumer Portfolio Services. The original purchase was for {$28000.00}. I have paid over {$40000.00} and still owe the company {$18000.00}. I did not realize the fine print of the car was {$12.00} per day for late fees. I was told that be a CPS representative 2 years ago. In past years I have been late because my husband was sick and I was the only person working. I can not find anyone to refinance or trade in because the car is worth {$4000.00} and I owe {$18000.00}. I am currently 2 months behind again. My payments are {$530.00} and thats {$1000.00}. The lates fees are {$700.00} so right now I owe over {$1800.00} for 2 months. I have filed a complaint with the XXXX and they recommended I contact this agency as well. CPS needs to be investigated for these are loan shark practices.
08/15/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • AL
  • 367XX
Web Servicemember
I had my car financed with Consumer Portfolio Services on XX/XX/XXXX. Due to financial hardships, I had to request extensions a few times so instead of my loan maturing XX/XX/XXXX it was extended to XX/XX/XXXX. Although my loan was extended 4 times, the maturity date was extended for 5 months instead of four. The problem arises because although I am considered up to date on payments with no late fees, my loan maturity date is still XX/XX/XXXX but XXXX states that I owe over {$5000.00} and my monthly payments are {$670.00}. I've called XXXX to try to understand why I would still owe that amount if I am up to date with no interest or late charges. They have not been able to explain why and have told me to just keep paying until it is paid off. I requested that they send me a copy of my contract two months ago but I have not received it yet.
03/31/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 77090
Web
I have been financing a vehicle through Consumer Portfolio Services now since around XX/XX/XXXX. Around XX/XX/XXXX I encountered a situation with this company where they unauthorized took two payments from my bank account, when I only authorized one. They refunded one of those transactions however since that time they have been reporting that I owe for a payment that I do not owe and have not rectified this situation. I have been going back and forth with Consumer Portfolio Services trying to rectify this situation for months now, they have not updated or corrected their records. In addition to that even though I have been paying on this vehicle since XX/XX/XXXX they still say I owe approximately {$10000.00} on this vehicle. I believe their records to be incorrect and am requesting assistance in addressing this situation with this company.
08/23/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • OH
  • 44128
Web
Currently CPS has reported several years worth of negative payment activity on my credit report and now the account has been labeled as charged off. Based on my account history all payments were current and to date until I was scammed into stealing the car where another car dealership agreed to pay the reminding loan balance to retrieve the title. Several months later after the account became seriously past due I was advised that the account was never paid off and the account was past due. I spoke with several account reps at CPS to explain the situations to avoid the daily calls and harassment. After realizing that 's the auto dealer was a scam and no longer in business I reached out to CPS requesting a settlement to clear the debt. CPS denied the settle and now has the account marked as serveley past due and in collections.
05/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • XXXXX
Web
I purchased a XXXX XXXX XXXX on XXXX XXXX XXXX and Consumer Portfolio Services financed it. I am an XXXX XXXX XXXX and my work stopped as soon as the shelter in place order went into affect. I told the lender what happened and that I would be signing up for unemployment. They have called me every day including Saturday 's since then. In California Self Employed people could not even sign up for unemployment until XX/XX/XXXX. I told them that calling every day was harassment and to stop. They gave me an extension on XX/XX/XXXX but my account was immediately overdue the following day and they started with the calls every day after that. I still have not received unemployment or my stimulus check. I don't know if what they are doing is illegal, but it is a terrible way for a business to behave during a national crisis
04/18/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • PA
  • 19120
Web
I would like to dispute the account that Consumer Portfolio Services # XXXX has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus fo r Consumer Portfolio as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act, 15 U.S.C. 1681. T his account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to cont act Consumer Portfolio. Thank you in advance
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75010
Web
My auto loan due date is on the XXXX every month. There was a portion of XXXX still owed in XXXX but was paid by XX/XX/XXXX, which is 25 days pass the due date. The XXXX payment was made XX/XX/XXXX, which is XXXX says pass the due date. Neither payment was made 30 days after the last due date. I called Consumer Portfolio Services the first week in XXXX when I received a late pmt alert from XXXX. I was told because a payment was not received on XX/XX/XXXX that its late. I explained on that date it is 12 days late not 30 as reported. The same conversation took place on XX/XX/XXXX when XXXX was reported late but was 9 days late and not 30 as reported. XXXX did not remove the late payment but updated the dispute results it to include a late payment for XX/XX/XXXX. I spoke to XXXX and was told they are not mediators.
11/06/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 22031
Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, VA. During financing I was assigned Consumer Portfolio Services ( CPS ) for my auto loan. XXXX {$33.00}, XXXX with 14.700 % for 72 months. Basically this loan should be paid off and according the CPS payoff for XX/XX/XXXX is {$19000.00}. For the past 2 years my pay off has been between {$18.00}, XXXX to {$21000.00}. None of this makes sense and looks like predatory lending. I am attaching all documents. Here is a break down of what I have paid : Interest Paid - {$26.00}, XXXX Principal - {$15.00}, XXXX Fees Assessed - {$1700.00} - these have not been paid Fees Paid - {$650.00} Total I have paid is {$43.00}, XXXX This makes no sense. CPS is not easy to work with, they are nasty and rude. All of their phone calls, there is no working with them.
10/11/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 439XX
Web
Repeatedly called to arrange payment when payment is not due nor past due. The most recent call was regarding when i would make payment for XXXX. Opened call by stating, " We recieved your payment on XX/XX/XXXX, and want to arrange payment for XXXX. My payment is due on the First of the month, every month. So because in this case it was due on Tuesday, and they received it Monday, they didnt count it for XXXX. If I mail payment date is on a weekend or holiday, they call the next business day to arrange payment. XX/XX/XXXX Sunday, and Monday was XXXX day, on XX/XX/XXXX they called to " arrange payment ''. I had to explain that because of the Holiday and weekend, the mail was probably running behind a day. Ive been cooperative, but the nonsense calls to remind me of payments that arent due is getting ridiculous.
12/10/2020 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
  • Their investigation did not fix an error on your report
  • MD
  • 21215
Web
After receiving all three ( 3 ) of my credit reports, I noticed an entry from Consumer Portfolio Services , Inc. regarding a car. I disputed the entry as fraud via the three ( 3 ) bureaus and was referred to the company directly. I sent CPS a dispute letter directly dated XXXX XXXX, 2020. I made them aware that I'm a victim of Identity Theft and that I never opened an account with them. I also requested, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, validation ( that is competent evidence bearing my signature ) showing that I have ( or ever had ) some contractual obligation to pay them. CPS responded with a letter dated XXXX XXXX, 2020. The letter stated the information reported to the bureaus was accurate and included an unsigned contract bearing an incorrect address.
08/01/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • FL
  • 33487
Web
CPS - CONSUMER PORTFOLIO SERVICES, REFERENCE TO PREVIOUS CASE : XXXX YOU DID NOT ANSWER MY CONCERNS. THE ANNUAL PERCENTAGE RATE EXCEEDS THE STATE OF FLORIDA USURY LAWS. THIS IS SOMETHING A " NATURAL '' PERSON WOULD NOT THINK TO LOOK INTO BEFORE PURCHASING A PRODUCT OR SERVICE THAT INCLUDES AN ANNUAL PERCENTAGE RATE. I AM REQUESTING THE INTEREST RATE BE REDUCED TO THE MAXIMUM ALLOWED UNDER FLORIDA LAW AND ALL INTEREST PAID, EITHER ISSUE A REFUND OR APPLY IT BACK TO THE LOAN AFTER RESTRUCTURING. ALSO, NOT ALL PAYMENTS WERE APPLIED TO INTEREST. PLEASE PROVIDE PROOF THAT EVERY PAYMENT MADE A PORTION WAS APPLIED TO PRINCIPAL. FURTHER MORE, I HAVE REQUESTED FOR THIS CASE TO BE PUBLISHED IN AN EFFORT TO ALERT POTENTIAL BORROWERS BEFORE SELECTING CPS. I BELIEVE THIS IS A FORM OF PREDATORY LENDING.
05/29/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MO
  • 64801
Web
Consumer portfolio did not indicate any autopay was activated and was not on the account before. I then went to make my payment as normal at XXXX because I do not have fees. I then look at my bank account and I am over drawn by {$420.00} from consumer portfolio because they took another payment. I contacted them right away and was told I could go to XXXX and get a refund so I did and nope no refund allowed. I called back they can send a check or refund the autopay but the whole time now I have to be charged overdraft fees now playing with my rent and other bills. I want consumer portfolio to pay those fees for each transaction they caused an overdraft for, to remove autopay and to start notifying they are turning it on as well as allow customers to turn it off as they please via the site.
12/21/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21703
Web
On XX/XX/XXXX. I called CPS at XXXX and dialed extension XXXX to speak with XXXX. I spoke to XXXX about paying 2 monthly payments that were due on XX/XX/XXXX and XX/XX/XXXX, XXXX each payment is {$290.00}. I paid a total of {$580.00} for the XX/XX/XXXX and XX/XX/XXXX payments and XXXX gave me confirmation number XXXX. On XX/XX/XXXX, I began to get calls and texts from CPS stating the payment due on XX/XX/XXXX was not paid. I went to their web site and seen on their payment history that XXXX misapplied {$290.00} to fees on XX/XX/XXXX. This was incorrect and I never agreed to pay fees on XX/XX/XXXX, I only agreed to pay 2 monthly payments. XXXX did not mention paying fees. Now CPS is saying I owe {$290.00} for XX/XX/XXXX when I paid it on XX/XX/XXXX over the telephone with their rep.
04/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • VA
  • 23231
Web Servicemember
I got a car loan from Consumer Portfolio inXX/XX/XXXX at an interest rate of 16 % for 6 years. On XX/XX/XXXX I requested tow payments be extended at the back of the loan, but the company extended my loan untilXX/XX/XXXX, which is basically another year on the loan. Also, I notice different dates that my interest rate goes up, or isn't applied to the loan but only the interest. I have had this car for 5 years and the loan has only went down XXXX. Which almost 19K went toward the interest. Inquire as to the interest rate being applied in various amounts over the course of the loan and some months no interest was applied at all. Inquire as to the XXXX that has been paid in interest. Inquire as to why the amount applied to the principal is only around 5K over the course of 5 years.
04/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06511
Web
Complaint against : Consumer Portfolio Services, XXXX, XXXX and XXXX I purchase a vehicle in XXXX that was was voluntarily repossessed by Consumer Portfolio Services in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C. THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
06/26/2023 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
  • MO
  • 63137
Web
XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant
03/15/2023 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
  • IL
  • XXXXX
Web Servicemember
This loan is paid in full, I paid the last of the interest of XXXX in XXXX XXXX, which was the amount listed on their web site. I called the loan company for the title and they are giving me no answers on the why they have not released the title. They keep telling me to call back. The loan was under the chapter XXXX in XXXX with a XXXX balance, which was paid in full through the bankruptcy court. ( see attached proof ) Consumer Porfolio servicing has submitted a new claim to my refiled bankruptcy for XXXX when they were paid in full. I have asked for a payment ledger, and they have refused. This car is a XXXX XXXX that has been totally paid in full. Please have this company provide the payment and balance financial ledger, also investigate this company for fraudulent billing.
04/21/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • OH
  • 452XX
Web
I purchased a vehicle in XXXX from XXXX XXXX , they sold my loan to a third party finance/debt collect or Consumer Portfolio services my interest rate is XXXX with XXXX per diem. This has caused any trade in to be XXXX negative and no one will refinance the loan because of the how much I ow e ( it is still at XXXX and I purchased it for XXXX ). When I extended my loan due to hardship I was not informed or told how that would negatively impact the loan even more. I believe there was misrepresentation, deception with this loan not to mention all of the phone calls they have sending to m e three and four ti mes a day every day. My principal payments have been very sporadic if any. This company had a class action suit in XXXX for the same reasons I am stating.
06/17/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NV
  • 89117
Web Older American
XXXX continues to ignore my request to bring my account up to date! They have not reapplied my payment if XXXX back in XXXX for at least XXXX FULL PAYMENT and XXXX to get me current and ahead! I was also approved for extension for XXXX payment to be placed at the end of XXXX and they reneged. I continue to get XXXX fees and interest that SHOULD NOT BE APPLIED! Credit bureau is staying Im up to date and I been paying each month and then XXXX in falsely claiming Im behind! They are making phone calls to my friend stating Im behind which Im am NOT! I want them to REApply my payments correctly So I know Im at least a month ahead accordingly to my calculations! I want a change in date due to the XXXX of each month because of my fixed income on the XXXX of each month!
05/06/2017 No
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MD
  • 21221
Web
My loan began XXXX XXXX with a 42 month term at {$420.00} per month. They were harassing via telephone for late payments, called several family members telling them what was going on and asked to relay messages ... on top of that.. my loan matured almost 2 two years ago. Im still paying for the insanely ridoculous interest amounts and get over fees. My original loan amount was a little over {$13000.00} .. as of XXXX XXXX I have paid over {$25000.00} plus another year of late and high interest payments resulting in them getting more than double of my original loan amount. I am completely dismayed at the inhumane fees assoociated. As I am quite sure, I am NOT the only client of C.P.S. that has been/is a victim to these scammers. I pray no one else fall victim.
08/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NE
  • 68123
Web
We sent a payoff loan check # XXXX and mailed the check at the end of XXXX and it was never applied to the loan. Now the company is saying we are two payments behind. The company is trying to charge us late payment fees. The company has reported late payments to the credit report companies in spite of being advised of the payoff check and amount of the check. The representatives have been rude and not helpful at all. I think this was intentional of the company because this company is known for being dishonest. They charge hidden fees to receive payments, which we were unaware of when we accepted the loan terms. I think the reason this company wanted to give us this loan was to buy and sell our personal info. This company has been harassing us nonstop almost immediately.
06/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • VA
  • 22980
Web
I got the loan in XX/XX/XXXX from Consumer Portfolio Services for {$13000.00} on a XXXX XXXX XXXX from XXXX XXXX in XXXX, Va. My payments were XXXX with an added fee of {$12.00} to pay online. The only other payment option was to mail in payment which in turn would either have to be paid early or a late fee would be added. It is now XX/XX/XXXX and somehow, in the passing of almost two years of making payments on this car, I still owe {$12000.00}. How is this humanely legal and acceptable? No human being should be treated in this manner. Not only that, they report false reports to credit bureaus. Many of my payments that were made on time were placed as late and the balance that I owed has been {$12000.00} since XX/XX/XXXX. Not the balance of the late payment.
06/20/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • PA
  • 19131
Web
Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.
10/18/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 482XX
Web
On XXXX I received an alert stated that a hard inquiry as been made on my credit report. Their should not have been any inquires because I have not applied for anything. However, there was a hard inquiry from Consumer Portfolio Services. I purchased a vehicle from them in XXXX of XXXX as a desperate buyer. The loan itself, I will file a different complaint. I disputed the inquiry with the credit bureau and they did n't remove it and I have attmepted to contact XXXX but it only takes me to their collections department. More recently I received a letter from their attorney for debt collection.The company operated with a XXXX mentality and I no longer want to be silent about their way of doing business. They had no right pulling my credit report. No right
06/27/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • GA
  • 303XX
Web
On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : XXXX XXXX, XXXX XXXX XXXX, XXXX, & Consumer Portfolio Services. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
08/04/2017 No
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TX
  • XXXXX
Web Servicemember
On XX/XX/XXXX Consumer Portfolio received a payment of {$1800.00} that I requested be placed towards the principal payment. My following payment was not due until XX/XX/XXXX. The payment was applied on XX/XX/XXXX and {$1600.00} went towards the principal, {$8.00} towards the payment and {$180.00} towards fees which is not what I had requested when I sent in an early payment. I was not behind on my payment because it was not due until XX/XX/XXXX but they informed me that I had to pay this interest. They also stated I owed {$180.00} in late fees but I had previously paid my late fees. by XX/XX/XXXX I had given them {$5400.00} but only {$5300.00} was applied towards principle and interest. The rest was applied towards the late payments I had accumulated.
10/13/2017 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
  • PA
  • 19111
Web
XXXX XXXX, XXXX I called XXXX XXXX XXXX about an inquiry on my credit report. I did not authorized them to do. Upon speaking with XXXX, the XXXX I learned that they pulled for XXXX XXXX XXXX. I asked for a copy of My signed authorization. Oh course, XXXX refused to provide me with a copy of My consent. She instructed me to contact XXXX XXXX XXXX. I called them and they indicated they have no record of me on file in none of the XXXX offices and they also informed me they do n't use XXXX XXXX XXXX used XXXX. I asked them to provide me a letter stating that fact and to notify XXXX XXXX XXXX to have inquiry removed. Both companies refused to do so and this has been on my credit report since XXXX/XXXX/XXXX is doing great damage to my credit worthiness.
09/15/2021 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
  • GA
  • 30213
Web
The company will not cooperate with investigation i requested so i filed a complaint with XXXX. The company states then updates my credit report stating i was late after i complained to the better business bureau about payments and due date and the amount owed. made in adjustment on my account that the amounts still are not adding up. i called ask for them to please remove the late off my credit report report after customer service realized it was an error. rep stated he would send something over immediately and would not give me anything in writing. this still has not been updated. as a result i have been denied housing and could become homeless in 30 days with my family. This has been going on for months. This is very damaging to my credit.
05/19/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • XXXXX
Web Servicemember
I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
03/19/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • XXXXX
Web Servicemember
I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
02/18/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60651
Web
This company is using stall tactics to avoid accountability for violating my consumer rights. I previously file a complaint about this company and they responded with questions about my identity. This is a common stall tactic used to avoid complaints made to this platform. I would like the CFPB to do a full investigation into this matter. I also provided screen-shots of the company 's response to my previous complaint. They are requesting information that they already have, For example, how was this company able to identify me using my maiden name : XXXX XXXX, but I made the complaint using my martial name : XXXX XXXX. This is proof that the company has identified me, and is choosing to use stall tactics to avoid my original complaint.
05/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 95133
Web
The car loan started on XX/XX/2013 in the amount of {$21000.00}. The monthly payment is {$520.00}. More than 5 years has passed and they show the loan balance is {$19000.00}. Only {$2000.00} has been applied to the principle. The trade in value is {$3000.00} and private party sale value is {$6000.00} according to XXXX XXXX XXXX. This is just not right. The loan has over a year to go before it reaches maturity. They are also incorrectly reporting the payments to the credit bureaus and affecting my credit in a major way. The information they are reporting does not match the information on my statements. I am completely trapped! This is without a doubt extortion! The lender is Consumer Portfolio Services located in XXXX, California.
03/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38116
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... CONSUMER PORTFOLIO SVC XXXX ... XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
09/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48182
Web
I have sent CONSUMER PORTFOLIO SVC several letters asking for books of accounting, true bill and contract. According to Uniform Commerical Code they are in violation of request for accounting ( UCC 9-210 ). CONSUMER PORTFIOLO has reported late payments on my credit report which is also a violation of FCRA because a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. The charge off that is reporting is a violation of IRS because the IRS clearly states that a charge off is considered as income not debt. Income isn't to be reported on my credit report. Also, charge offs aren't supposed to have a balance reporting as well.
09/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30144
Web
I made a partial payment halfway through the month, as I fell on some hard financial times. I set up a payment for the end of the month ( to avoid a negative report on my XXXX, as I have been working on a mortgage for about 9 months. ) They reported me 30/60 days delinquent, and dropped my credit score over XXXX points! They said I needed to pay by the XXXX to avoid negative reporting, which I did. They have also been applying all of my payments to interest.. and nothing goes to my principle balance. I have been paying on the car for 1 year, @ XXXX $ a month, and have only satisfied XXXX of the initial balance!!! When I call, they have no record of previous calls, and have been hanging up on me when I call to resolve the issue.
09/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07003
Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of Inquiry : XXXX XXXX This is not mine. 2. Identity Theft XXXX Date of Inquiry : XXXX XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Date of Inquiry : XXXX This is not mine. 7. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine.
12/17/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11758
Web
Consumer Portfolio Services ( XXXX ) XXXX Calls me periodically and asks about if I know where some person I 've never even heard of is and what he 's doing. They are INCESSANT about calling me even after I 've told them I have no idea who that is and that I have no outstanding debt with anyone and I 'm on a do not call registry. I 've even filed a complaint with the XXXX against them in which they lied and said they never contacted me. That stopped them from calling and asking for a while ( about a year ) but recently they have been calling me again asking about this guy I have never even heard of. I block the numbers and they create new ones I guess. Just looking for an apology and assurance that they will stop harassing me.
05/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 604XX
Web
You are in Direct Violation Of The fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ) ( Consumer Portfolio XX/XX/XXXX {$10000.00} ) 15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AND OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. REMOVE THESE LATE PAYMENTS AND INACCURATE ACCOUNTS AND INQUIRIES AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORT ACT
05/09/2017 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
  • TX
  • 77095
Web
I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.
02/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KS
  • 67216
Web
Me and my wife have a auto loan through Consumer Portfolio Services of XXXX CA and they are being rude to us claiming a payment that we asked to be made did not go through but our bank shows the payment never attempted to go through and it was never presented to the bank. We also have complaints against CPS for not allowing us to speak to a manager, numerous calls and texts to our cell phones when we never gave them permission to text us. Our bank shows the payment never was presented to them, we have not been charged any fees and the money intended to make this payment still remains. They are trying to charge us fees for a payment they never presented to the bank and refuse to take a payment unless we pay these fees.
02/06/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • FL
  • 337XX
Web
I notified the company CPS about my recent accident on XX/XX/XXXX. My car had pretty significant damages but I was currently taking the other driver to court and paying my loan and insurance and also notified CPS around XXXX XXXX. that I would need an extension until I go back to work XX/XX/XXXX. An extension was granted and to this day it states I don't have anything due until XX/XX/XXXX. I found out today XX/XX/2019. My vehicle was repo 'd while at the repair shop. I received no phone call/voicemail/letter stating this was going to happen. No notice stating that it was even an option. If it were, I would have done what was needed to prevent it. Especially while currently dealing with an auto injury/ prop damage case.
11/02/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Loan balance remaining after the vehicle is repossessed and sold
  • UT
  • 84104
Web
I am struggling financially and need to surrender my vehicle back to the company, i do know i am liable for the remainder of the loan until either settled or paid in full however i have been getting voicemails that are not limited content messages, they are saying the year make and model of my vehicle, that they are calling for broken arrangements, my account is going to loss prevention and these are all things that under the limited content message rule should not be left on a message. I am not sure if they do the XXXX testing but this is an important rule for collection companies to let their employees know. When i did talk to a rep XX/XX/23 she advised to me that they can say anything over the voicemails.
07/31/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • GA
  • 31907
Web Servicemember
I opened an auto loan with this company in XXXX of XXXX. In XXXX, I filed for bankruptcy and they had my car repossessed anyway. They did it again in XX/XX/XXXX after I filed. In XX/XX/XXXX, I was in a car accident. I was still under bankruptcy. My car was gone after two weeks. I received no notice from the finance company. When I checked my credit report, they closed my account with a balance of XXXX. No notice. I checked again after a couple of days and it stated it was sold to XXXX XXXX. I had no knowledge of the debt being sold. No one gave me a notice, email, letter, text, or call. Now its showing as a collections account. I called the finance company and no one could tell me anything. This is not right.
04/22/2021 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
  • CA
  • 900XX
Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. CONSUMER PORTFOLIO S Inquiry : XXXX XXXX, 2020 double times with same dates. XXXX Inquiry : XXXX. XXXX, 2020
03/07/2017 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44128
Web
My vehicle is currently past due and approaching repossesion status. XXXX has started going through my XXXX account to call XXXX friends asking my telephone number and or location. They have caused many problems with families whom I do not have a personal relationship with.. I am getting all kinds of XXXX friends contacting me in anger about these calls to their homes. I have asked them to discontinue contacting my XXXX list of friends, some of which I have no active communication with with exception to reading timeline posts. They continue to do this. They also call my emloyer at least 10-15 times a day. I can not receive personal phone calls at work. I have relayed that information to them as well.
10/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43229
Web
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, CONSUMER PORTFOLIO SVCS, INC # XXXX, XXXX/XXXX/XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
11/08/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44313
Web
There are hard inquiries on my credit reports for XXXX and XXXX from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. Below is a list of inquiries on XX/XX/2020 on my XXXX report. Consumer Portfolio S - 2 inquiries on Same date! XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX report. XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Portfolio Services XXXX XXXX XXXX XXXX
11/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29730
Web
On XX/XX/XXXX per XXXX XXXX, XXXX XXXX XXXX declared my account as a chargeoff/collection. However, this account is still showing open and has reported a late fee 6 months ago, XX/XX/XXXX. This has validated my rights as a consumer because the account, should be closed, and no reporting currently information because it was charged off 5 years ago. Due to the inaccurate reporting of information, I request that the creditor remove this from my credit bureau accounts. The balance reporting is incorrect of {$11000.00} which I never received reference or provided a written signature for. According to the FCRA XXXX XXXX XXXX has validated my rights and I am requesting legal action to remove this immediatly.
03/23/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 076XX
Web
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX distress until this issue is resolved. In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
04/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33160
Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. CONSUMER PORTFOLIO XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX, 2020
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 278XX
Web
My car was totaled in XXXX of 2020. At the time of the accident, I owed {$13000.00} on my vehicle. The full amount of {$13000.00} was paid by my insurance company ( see attached the settlement statement ). I pulled my credit report recently to find a charge-off balance of {$2100.00} from XXXX XXXX XXXX XXXX with late payments. This false information has been on my report for two years and has no doubt caused me to be denied for credit and to have high interest rates on credit that was extended. Attached is proof of the settlement breakdown, a screenshot of all 3 credit reports, and snapshot of the check number issued from the XXXX XXXX coverage. Please resolve this matter immediately. Thank you.
02/05/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 362XX
Web Servicemember
On XX/XX/2021 at approximately XXXXXX/XX/XXXX I received an automated call from the number provided in this complaint. Upon electing to speak with a representative at " CPS Services, '' I was placed on hold for approximately 5 minutes. Once I spoke to the representative they informed me that my number was associated with someone else, whom I've received multiple calls pertaining to, and that I would no longer receive any calls. This happens 3 to 4 times per day on every weekday and constantly disrupts my business that is heavily reliant on teleconferences for day-to-day operations, especially during the COVID pandemic. Apparently, I am never removed from their " list '' so they continue to call.
06/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 173XX
Web
First of all I would like to say that I enjoy being with your company and the service that you provide. I have been with your company for a while now ; you have always treated me right. In the past, I ran into some personal issues that caused my account to be late multiple times. I accept that fact, and Im not disputing this debt at all. I just need your help as these late payments are hurting my score and preventing me from getting approved for what I want. I have been paying on time for a while now, but my score is still suffering. If possible, can you please forgive the late payments as a one-time courtesy so I can get my financial life back? This would really help me and my family. Thanks
08/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 755XX
Web
I never missed a payment ... never late on a payment ... constantly being charged XXXX fees ... numerous returned check fees and I 've never sent them a XXXX thing by mail ... I 've never written them a check that I can recall ... paid almost {$50.00} extra a month but it never reflected on my account balance ... the last payment I am gping to make was XXXX 's payment I believe, yet somehow, I owe them for more than just XXXX ... XXXX company with some illegal XXXX scamming going on ... if I ca n't get help from the government regarding Consumer Portfolio Services, LLC, I am hiring an attorney and taking all the federal agencies that have anything to do with business practices to XXXX XXXX!!!
07/27/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 33511
Web
okay I missed a payment that was due on XXXX and representative from consumer portfolio services her name was XXXX and I told her that I would make the payment at the end of the month because I work for the state and we are paid once a month at the end of each month and she demanded that I give her my banking information and I told her no I would go on there website and submit my payment but she kept trying to get the information from me. I never told that I would not pay them just that I was n't given her that information, since that time I have received XXXX calls XXXX to my job and XXXX to my cell phone can you please ask them to stop calling me at work and on my phone thanks..phone # XXXX
02/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23608
Web Servicemember
My spouse and I were financed with CNS Portfolio Service, the account was opened in XX/XX/XXXX and the car was totaled in XXXX, I have had numerous conversations with Representatives of CNS in regards to this account was never have been reported to the credit bureaus. The car was totaled in an automobile accident in which we didn't have gap insurance. I was advised by unscrupulous representatives who told me my account would not go to collections when it did I settled the account out and was advised 7 years ago account will be deleted, still, this day account is still be reported, the last dispute I submitted to XX/XX/XXXXin XX/XX/XXXX, still states under investigation. Thank you XXXX XXXX
12/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28052
Web
I have notice some issues with my account Balance being the same since my vehicle purchase in XXXX 2013 and my loan dates the maturity date as well as my payment dates. Credit bureau reporting balance is always wrong as well as payment amounts. I would like for this to be researched due to the fact that this finance company Consumer Portfolio Services has had some the same issues going on for years. Which I just learned of doing some research on the CFPB site. Consumer Portfolio Services is still engaging in the same deceptive tactics as before even though they were fined and put on the radar with CFPB. Please look into this company again, they are still up to the same practices. Thank you.
08/25/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • PA
  • 170XX
Web
This company outright lied to me in order to secure a payment and stop me from filing bankruptcy and including my car. I was told repeatedly by multiple people that if I made 1 payment of {$440.00} I'd be able to get an extension of my other past due. After literally taking the food of my kids table to pay this amount I was told less than an hour later that management won't approve my extension but that my car will be safe for a while 6 days before it goes back up for reposession on XXXX. I was LIED to and taken advantage of by this unscrupulous company who said anything to stop me from filing bankruptcy because they new they could squeeze one more payment out before taking my car.
09/10/2021 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
  • DE
  • 19720
Web
Cps consumer portfolio services XXXX XXXX XXXX XXXX ca. XXXX ( XXXX ) XXXX has not been reporting my payments on my credit report! I have had the car for 5 years and of course hit bumps in the road as life goes! I have been paying reaccurring payments since XXXX none showing in my report! Even the late payments are not reported from last year during the pandemic. I went to purchase a new car due to the mileage and age of the vehicle and I was denied because it looks like I make no payments on my loan. Also the payments that I pay are all going to interest when all the interest is paid up. I will never get out of this car or have a good report due to their lack of stability and business
07/27/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WA
  • 982XX
Web
Almost every day for the past month or so maybe almost 2 I have been receiving calls from Consumer Portfolio Services I know that its their job to get a hold of me but the first thing that they ask for is my SSN and I stated that I can not give it to them since I am in the center of my building that I ca n't say it out lound and I asked them to reach me on my mobile phone which they only tried once. Since then they call my work at least once a day if not twice. I just found out this morning that they some how got my Bosses home phone number. I have no idea how but at that point it seems like harassment to my boss and she has absolutely nothing to do with this debt collector or my loan.
08/12/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Credit denial
  • AZ
  • 85027
Web Servicemember
On XX/XX/XXXX I decided to work with XXXX XXXX XXXX to purchase a new vehicle. I was denied because they wouldn't accept the check stubs we get at my place of work. Which is direct violation of 15 usc 1611. Therefore it has caused me harm and stress. Furthermore I asked for there TIN and I was denied and given a false cooperate number by one of there associates which we have on recording. We will be sending our intent to sue letters to this company as well. This is also in direct violation of 15 usc 1635 and this will cost this company. Also thank you for that rude as phone call on XX/XX/2022 and giving false infortmation. That agent needs to be fired not understanding consumer laws.
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07202
Web
Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX ) XXXX CONSUMER PORTFOLIO SERVI Inquiry : XXXX XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX
09/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 303XX
Web
I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to XXXX Credit Bureau. This is my third time reporting this company. The company is Consumer Portofolio Services. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.
08/03/2018 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
  • MD
  • 20774
Web
I disputed an inquiry that was falsely made by Consumer Portfolio Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Consumer Portfolio Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
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.
10/14/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NJ
  • XXXXX
Web
Consumer Portfolio Services , IncXXXX hired XXXX & XXXX XXXX XXXX {$12000.00} on a car Consumer Portfolio repossessed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022, XXXXXXXX XXXX XXXX reached out with loan documents and a history transaction in a corrupt file. I responded back requesting the information showing how much the car was sold for via e-mail on XX/XX/2022. XXXX & XXXX sent me a notification explaining the settlement conference was canceled, the matter is resolved and the case is dismissed. I have never received an accurate balance regarding this account. I have disputed it with all three credit bureaus.
04/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29730
Web
This debt with Consumer Portfolio Services was first charged off in XXXX in XXXX. The agency is continuing to add reporting and updates to the file, as if we have been in contact and I am making payments on this debts. This is effecting my credit rating to the misinformation and incorrection being reported to the XXXX. They last updated XXXX XXXX in XXXX of XXXX. Why is this happening? If you look at my credit reports you will see for the entire year of XXXX there was no reporting, then in XXXX new charge debts being reported. The payment status should not have changed since XXXX. This validates my rights as a consumer, and I feel that the CFPB should take action on my behalf.
09/03/2018 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
  • GA
  • 30014
Web Servicemember
As of XX/XX/2018, I have reached out to a creditor who is reporting negative/inaccurate information that is reflecting on my credit file. I have contacted Consumer Portfolio Services several times asking them to verify the information that they are reporting to the credit bureaus in reference to this particular auto loan. Despite my many formal request under the FCRA requesting that they validate the trade line and send me the verifying documents, which I am entitled to under FCRA Section 616, and 617. They have yet to have done so, I have also sent several letters demand that the unverified trade-line be removed from my report immediately, All attempt have been unsuccessful.
06/16/2020 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
  • WI
  • 53719
Web
On XX/XX/2020 XXXX XXXX XXXX ran an application on my behalf by error. As a result there were many invalid inquiries on my credit report. Along with each company and XXXX XXXX XXXX all inquiries have been removed but the one from consumer portfolio services. I have attempted to dispute this inquiry with the others directly with the credit bureaus and several times with XXXX directly. Their only response is that the inquiry came from XXXX XXXX XXXX ( which I'm aware of ). Accidents happen, as a company XXXX should recognize this and conduct an investigation to resolve the issue instead of repeating information I sent them. The inquiry has negatively impacted my credit score.
05/05/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76227
Web
I received notification from my credit report that Consumer Portfolio Services reported that I was late for my car note payments XX/XX/2019 and XX/XX/2019. My monthly payment are due every XXXX of the month. My payment for XXXX is not due until XX/XX/2019. So I am confused as to why it is reporting on my report as 30 days late. I spoke with some one over chat about this and was advised to contact the tradeline department at XXXX. When I contacted this number I was instructed to leave a voice mail message. To date I haven't heard anything from them to resolve this issue. I am requesting that this be removed from my credit report immediately as this is incorrect information.
11/30/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MD
  • 21060
Web
my XXXX loan was with consumer portfolio service. CPS stop taking monthly pymnts from me and forward the account to collection who demanded {$10000.00}. i filed a complaint via better business bureau, CPS then stated i owe {$7000.00} but will settle for {$3000.00}. i then tryied to trade the vechicle in but CPS now went back-up to {$7000.00}. CPS solded the account to an outside co. [ als resolvion ] to whom pick-up the vehicle. My vehicle was paid-off and CPS was collecting late fees from me, but stated i still owed on the vehicle. Please Help now that they have the vehicle i want to be cleared of that debit because they will sell the vehicle for more then it is worth.
09/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • IL
  • 60426
Web
I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX XXXX XXXX. I was also told they would also need a 60 month verification letter stating I will be getting public assistance for the length of the loan. 15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. The above are violations of federal law
07/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94544
Web Servicemember
I try to reach out to CONSUMER PORTFOLIO SERVICES to let them know that I had a cease and desist order regarding my credit being ran.YOUR NAME XXXX XXXX XXXX ON XX/XX/2020 I WENT TO XXXX XXXX DELIVERED A CEASE AND DESIST LETTER TELLING THEM NOT TO RUN MY CREDIT AS A RESULT MY CREDIT WAS RAN MULTIPLE TIMES.I TRY TO ADDRESS THE CONCERN WITH CREDITORS LETTING THEM KNOW THE AUTO DEALERSHIP VIOLATED THE CEASE AND DESIST ORDER.I CURRENTLY HAVE A PENDING COURT CASE XX/XX/2020 RESULTING THE VIOLATION OF THE CEASE AND DESIST ORDER.I TRY TO CONTACT CONSUMER PORTFOLIO SERVICES LETTING THEM KNOW I WANT TO ALL DISPUTE AFTER XX/XX/2020 BECAUSE IT WAS IN VIOLATION OF THE DESIST.
03/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19050
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
01/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NC
  • 28328
Web
Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, XXXX ). Consumer Portfolio Service failed to report Payment Status for XX/XX/2019 - XX/XX/2019. This should be reported or showing as paid on time. I want to know why they failed to report this to the Credit Bureaus? I have proof of all my payments and not limited to just dates of payments. With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. ( RE : XXXX ) Sincerely XXXX XXXX
12/05/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • KY
  • 40475
Web
I opened my auto loan with Consumer Portfolio Services in XX/XX/XXXX. I made my first payment in XX/XX/XXXX. As of today, XX/XX/XXXX, there have been 18 monthly payments made at {$500.00}. This totals {$9000.00}. In that same 18 month period, {$6400.00} has been applied to the interest on the loan and {$2500.00} has been applied to the principle. Somehow, 18 monthly payments on a {$17000.00} auto loan has reduced the principle balance to {$15000.00}. I would like the CFPB to investigate this. I can not figure out any way where 71.9 % of all payments should be going to interest while 28.1 % go to the principle. This car will never be paid off if that is the case.
09/11/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 94591
Web Older American
The car was financed in 2018. The broker assigned the loan soon after. I submitted papers with CFPB and Consumer Portfolio Services stating the Title 15 code violations committed by Consumer Portfolio Services. I am the creditor and lender of the loan. I have listed the abusive practices and alleged conspiracies to done to me. Abusive debt collection practices, willfully accepting assignment of a loan, property and security. In a Consumer Credit Transaction Consumer Portfolio Services committed forms of identify theft by falsely claiming and assuming vital roles as the creditor, lender and beneficiary and Trustee. I am the creditor, and lender of these funds.
08/13/2019 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
  • NC
  • 28269
Web
This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply by deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
09/03/2018 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
  • Was not notified of investigation status or results
  • TX
  • 76082
Web
For the past two years I have been trying for Consumer Portfolio Services to verify the transaction history on my auto account and fix it since I was never past due as what it shows on my credit report, it shows me being past due in XX/XX/XXXX in the months of XX/XX/XXXX ( 30 days ) XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX ( 30 days ) XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX leading all the way to XX/XX/XXXX when I paid off my account, I'm also submitting for further review under the FTCP for the way they collect as my account was only 1 day past due, my records reflect different as not past due, I also tried calling them with no success, no one will respond to me.
12/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19104
Web
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.
09/18/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IN
  • 46143
Web
I was in a major car accident on XX/XX/23. I was unaware of my next steps as I was hospitalized and unable to work. I reached out to consumer portfolio and they instructed me to fill out a form and await a decision. The form was completed and during that time the insurance company sent checks to cover the total loss of the vehicle along with Gap insurance to pay the remaining portion. During this time the company received checks for about {$17000.00}, yet they reported my credit negatively because of the interest that had accrued during that time. I was never told that I needed to make payments although I called the company to inquire about my next steps.
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • OH
  • 44087
Web Older American, Servicemember
On XX/XX/XXXX I signed an Agreement with the, Consumer Portfolio Services, in XXXX of XXXX the Balance was PAID IN FULL, I have been waiting for more than 60 Days for my Title to b sent to me. But while I am still waiting, I receive a statement informing me that Consumer Portfolio Services has purchased a FALSE ACCOUNT FROM XXXX XXXX, this is a Account that was Paid in full and I CLOSED THIS ACCOUNT MORE THAN TWO MONTHS AGO!!! Now I have received a letter informing that Consumer Portfolio Services has purchased a ACCOUNT THAT HAS BEEN PAID FOR AND THEN CLOSED, this makes no sense to me, I AM STILL WAITING ON MY TITLE FOR THE XXXX XXXX XXXX XXXX # ( XXXX
06/07/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • SC
  • 290XX
Web
I had a vehicle that ended up being repossessed however XXXX XXXX XXXX has failed to provide the requested validation of the alleged balance owed. I am not debating whether or not the car was repossessed but based on the repossession laws of my state, I should've been sent a Notice of my right to redeem the car as well as a Notice of what the lender intends to do with car and whether or not the car will be sold at a public sale. I did not receive either of those notices nor was the balance owed adjusted if the car was sold. The inaccurate reporting of this account is severely damaging my credit and I would like to have it remedied as soon as possible.
08/22/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • IL
  • 618XX
Web
In XXXX and needed a XXXX so I went to XXXX XXXX of XXXX Illinois and had a deal on a XXXX XXXX XXXX all contacts were signed and was told once I drive it off the lot is no longer there problem a quote from the person in finance. Now we have a problem now they want more info and now they want a CO applicant when one was never needed before. I believe I'm an being discriminated against for being XXXX. I was always under the assumption that once the contract is signed the deal is over now they are telling me different. I can afford the payments on this XXXX I don't know what the problem is. It's my belief they misrepresented themselves from the start.
05/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43229
Web
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, CONSUMER PORTFOLIO SVCS, INC # XXXX, XXXX/XXXX/XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX
03/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43068
Web
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX DOB XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. CONSUMERPORTFOLIO SVS # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
08/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44212
Web
Consumer Portfolio Services ( auto financing ) was included in my chapter XXXX bankruptcy filing. They were paid in full ( 100 % ) by my trustee employed by The Ohio XXXX District ( XXXX Ohio ) Federal Bankruptcy Court. The Chapter XXXX Bankruptcy has been successfully discharged. They continue to report on my XXXX credit report as this account being " open '' after attempts by myself thru the online dispute option. I have plenty of documentation showing they were my auto finance company, they were paid in full thru the Ohio Federal Bankruptcy Court, and that they were notified and informed of the completion and closure of the case by the courts.
12/30/2017 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
  • IL
  • 60620
Web
I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
01/15/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28211
Web
I am receiving 2-3 call a day from various numbers but they will only leave one message. I am receiving calls as early as XXXX estate on Saturdays and Sundays. They call a friend and my son repeatedly throughout the day and gave them information about my payment being late and the amount due. I spoke with the customer rep and requested that they not call my job and they continued. I saw the number on caller ID and answered and requested for the number to be removed. I am no longer with the company and I was informed by a former colleagues they are still calling. I know I am delinquent but it appears that the interest has immensely increased.
10/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MA
  • 027XX
Web
I was shocked when I reviewed my credit report and found multiple of inaccuracies with the way this item is reporting on my credit. I was looking through my report and noticed a vehicle that was repossessed where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
02/04/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77015
Web Older American
this company constantly call me every day from a different number regarding this debt. this debt. if i blocked them from one number they call me from another number this very annoying i am XXXX years old. this leinholder that sold me car is known by the XXXX XXXX as a SCAM!! for the XXXXwo or three years i had this car i paid this lienholder a total of {$25000.00} on XXXX XXXX XXXX i still owe a balance of {$10000.00}. the person belittle me because of this loan. i have health conditions one told he did not care. so i believe this lienholder have gone out of business. This company will call in the middle of the night as silent phone call.
11/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 44144
Web
After making written requests to the creditor known as Consumer Portfolio Services ( CPS ) to cease and desist their continued harassing telephone calls, I received yet another call from the representative named XXXX XXXX. She does n't seem to get it - cease and desist means DO NOT CALL. I reported the incident last Thursday and was assured the calls will cease, and then she calls again today. I will file suit under the FDCPA because nothing else seems to work. When I prevail, they can issue me a lien release immediately and cancel the debt, sending me a XXXX balance statement along with my title, since they do n't want to follow the law.
10/02/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • TX
  • 758XX
Web Servicemember
We bought a car that had some issues that was not disclosed. My wife contacted a lawyer here in Texas and come to find out if you find where the vehicle is advertised at a lower price that you paid the company can be made to pay you XXXX times the difference. We kept the vehicle in an enclosed storage waiting for them to come get it. We went to an arbitration with them. They agreed to take the vehicle back with us owing nothing. Also they paid us well over {$20000.00}. We call them due to bad credit report and they tell us dispute and we will not respond. Well guess what 7 years later it is still there being 7 years old should be removed.
03/02/2018 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
  • OH
  • 452XX
Web Older American
Consumer Portfolio Service reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX XXXX to have it removed from my inquiry no action was taken.
03/17/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 30045
Web
CPS consumer portfolio services & XXXX has and continues to contact me in regards to a time-Barred Debt, and now plans to suit to collect the balance on this time -barred debt. This company CPS false statements indicating that I have contacted them and that I have agreed to make payments is not true. This is false and is the wrong practice all with the purpose of re-start the clock and or re-open the time barred debt from XX/XX/XXXX on XX/XX/XXXX. I 'm was not able and I 'm not able to pay this debt due to financial hardship, and health issues with immediate family members. I did file for bankruptcy on XX/XX/XXXX due to loss of income.
09/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30318
Web
After receiving notice I was furloughed from my employer, I called Consumer Portfolio Services , Inc. and advised I was furloughed for XXXX and Representative labeled my account as affected by Natural Disaster and advised by doing so it would not report to the 3 credit bureau repositories. I have recently pulled my credit report for XXXX, XXXX and XXXX to find the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all showing late. I have since gotten money to pay my account up to date and called back after to advise a supervisor and spoke to someone in the XXXX Department that advised it was nothing he could do to help.
08/09/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • FL
  • 33487
Web
THIS WILL BE THE 3RD AND FINAL ATTEMPT FOR CPS TO RESTRUCTURE THE LOAN SOLD TO ME THAT IS CURRENTLY IN VIOLATION OF FLORIDA 'S USURY LAW. THE PAST TWO REPLIES FROM CPS ARE WRITTEN IN A WAY TO MANIPULATE OR CONFUSE THE READER. REGARDLESS OF MY SIGNATURE, I WAS NOT AWARE OF FLORIDA ' S USURY LAW UNTIL AFTER COMMENCEMENT BUT THIS DOES NOT EXCUSE YOU FOR PREDATORY LENDING. BEFORE WRITING LOANS, YOU SHOULD BE AWARE OF ALL STATE 'S USURY LAWS. YOU HAVE APPLIED AN INTEREST RATE THAT IS OVER 10 % OF THE FLORIDA STATES MAXIMUM RATE ON AN AUTO LOAN.. IF THIS IS NOT TAKEN CARE OF BY END OF XXXX, CPS WILL BE REPORTED TO FLORIDA AND FTC.
04/12/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • TX
  • 77469
Web
I have noticed an inquiry on my credit report from Consumer Portfolio Services, CPS, I called the number provided asking them to remove the inquiry since I have never applied for a loan through them nor have I given them a permission to pull or check my credit, after few minutes of questions they assured me that it will be removed, it has been almost a year and nothing was done, I called a couple of weeks ago the same number & was told that they have no record that the inquiry was supposed to be removed but this time it will be taken care of ... .... I honestly do not trust these guys and need help with this issue. Thank you.
01/07/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 338XX
Web
I have another complaint with Consumer Portfolio Services as well. I was going over my current credit report and noticed that CPS has closed the account and charged it off as of XXXX XXXX, 2015. They are still charging me fees and showing a monthly increase on the account, and trying to receive payment for it. How can they do that when they closed and charged off the account??? Also, the vehicle is still sitting on my property, which I am getting charge additional storage fees from my landlord, as it states in my lease that I am not allowed to have any unregistered vehicles on the property without incurring additional fees..
12/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22191
Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020 and XX/XX/2020, CONSUMER PORTFOLIO SERVI add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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.
03/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 67207
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
06/01/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22191
Web
Consumer Portfolio Services is reporting to the credit reporting agencies regarding an expired debt. This debt is over seven years old and the last activity on this account was XX/XX/XXXX. I sent a certified letter on XX/XX/XXXX and XX/XX/XXXX, informing them that I understand my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing or reporting this type of debt in Virginia has expired. As of today, XX/XX/XXXX, Consumer Portfolio Services is still reporting an expired debit to the credit reporting agencies.
08/31/2022 No
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20770
Web
On XX/XX/2022, A judge ruled a judgment in my favor because Consumer Portfolio Services , Inc failed to produce documents to state their claim that I caused them a loss and owe them money. In XXXX, I mailed a letter asking fo them to remove the account from my profile with the credit reporting agencies. They have not replied. I demanding that this account be removed as Consumer Portfolio is not able to produce documents confirming my liability. This account being reported has held me back from acting as a consumer, and obtaining employment in addition to emotional distress and anxiety trying to resolve this matter.
12/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 80909
Web
Consumer Financial Protection Bureau, I received two letters from Consumer Portfolio Services, one in XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX XXXX and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX XXXX and XXXX and Consumer Portfolio Services in XXXX XXXX that the amount was correct and would not be changed on my credit report. Thank you. Concerned Customer
06/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • AL
  • 356XX
Web
My car is financed through a company in California called CPS. I have had my car for a year and a half and they are not reporting it on my credit at all. I told them they can come get it since they will not report to credit like they said they would and they told me that if I did n't pay it than it will go against my credit. So I pay my payments every month on this car but if I do not pay them than they will put it on my credit. This is not right what this company is doing. Something needs to be done about this. I only got this car to build my credit score up and now it is not even being reported to the credit bureau.
02/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19144
Web
Consumer portfolio services is reporting inaccurate information theyre claiming this account was sold to XXXX XXXX. When it was not because The company XXXX is not reporting on my credit report.Consumer portfolio services is still reporting on my credit reports and XXXX services are not. This vehicle was supposedly repossessed in XXXX of XXXX and then supposedly sold in an auction. The Statute of limitations in Pennsylvania is 4 years for a contract. The debt was not validated. I sent a debt validation letter to the company on XX/XX/XXXX and received no response. I want this account deleted on all 3 credit Bureaus.
07/07/2022 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
  • GA
  • 30906
Web
I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX times and l was lied too it had actually been pulled XXXX times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.
04/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39759
Web
Attempt # 1 : Disputed through Consumer Reporting Agencies Attempt # 2 : On XX/XX/22 I sent a Cease and Desist Letter via US Certified Mail to Consumer Portfolio Services outlining the following requests : Below are some of the violations reported : The illegal acceptance of the down payment amount of {$3000.00} ( 18 USC 1662b ) Fraudulently reporting 20 late payments to credit bureaus ( 15 USC 1681a ) Listing paid by insurance to consumers which is deceiving and falsified information ( 15 USC 1681a ) Privacy Violation in reporting to any and all credit reporting agencies without my written and expressed consent.
01/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • SC
  • 29611
Web
I purchased the car on XX/XX/XXXX. I asked the dealer for a copy of all my loan papers he informed me that the papers are to go back to the loan company. At the dealer I took the option for gap insurance. I was in an accident on XX/XX/XXXX. I spoke with consumer portfolio services on XX/XX/XXXX @ XXXX XXXX. I asked about my gap insurance only to be informed that I didn't have gap insurance. I would like a clear copy of everything I signed at the dealer as well as a sheet with my signature stating I did take the gap insurance. I find it very funny and I had a complaint on this earlier with this bureau about CPS.
06/08/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • LA
  • 713XX
Web
This company ' sent someone to my home on XXXX XXXX at XXXX to repo my car. We were going to take our kids on vacation the next day and had purchased their clothes and beach items and had everything already packed in the trunk of the car. I contacted the company and they said the car lot wanted the cad back and would not accept the payment I made that it would be returned to me but they took the payment anyway I 'm now with no car had to rebuy everything for our vacation and out out of XXXX.this company is a ripoff something needs to be done it is no big deal to them because they have their car and my payments
12/03/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 19120
Web
I.m paying my car loan and it is under agreement cause of financial hardship cause the bank agreed for me to pay XXXX payment in amount of {$390.00} installedments and agree for me to pay XXXX payment on the XX/XX/2022 and they send that information to the credit Report and say that was XXXX days late but we both parties agree that it wont be send in ..and i notice that they mess up my credit score in the amount of {$590.00} ... and i want to dispute this amount cause the bank fail on they agreement that it wont be reported cause of my Financial Hardship need to come to a conclusion on this issue..thank you..
10/19/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 75243
Web
I've sent consumer portfolio services a cease and desist and an affidavit of truth invoking my rights. The entire loan was fraudulent and violates my consumer rights on multiple occasions. I have proof and exhibits. Pursuant to 15 USC 1692E ( 4 ), " The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. '' They have no right to take a vehicle that I own rightfully.
11/20/2018 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
  • 60647
Web
I have been contacting CPS, who appear on my credit file as CPS numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
04/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48315
Web
I have a current auto loan with consumer portfolio services. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and CPS offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute CPS would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/XXXX.
06/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 32714
Web
i call today to consumer portfolio services regarding my loan account XXXX to pay off the account today the last statement and what are reporting to my credit is that i own {$1500.00} i that include late fees and interest but went i call to pay off and ask for the amount to pay the lady said i own almost {$3000.00} and thats not what the statements or the credit report said. why are they reporting to the XXXX that i own {$1500.00} in a loan almost {$20000.00} that i been paying since XXXX and went i want to pay today XX/XX/XXXX the amount is she said is higher than what the statement and record said
11/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • VA
  • XXXXX
Web
Consumer Portfolio Services is reporting as a collection on my credit report. I spoke to a rep named Ms. XXXX on XX/XX/19 and she said my account is in collections and my account isn't even charged off or past due 30 days. Also I filed a recent report complaint # XXXX and Consumer Portfolio Services said they did a cease and desist on my account but I received another phone call from them today. Nothing is being done on the company 's end so I think I will seek legal counsel for further assistance because thyr have clearly violated FDCPA several times and no one is doing anything about the situation.
04/06/2019 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
  • MD
  • 20746
Web
I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the repXXXX told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company consumer portfolio service
10/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • IL
  • 60563
Web
My bankruptcy was discharged in XXXX, 2016. My vehicle was repossessed today ( XXXX/XXXX/2016 ) but no statements were sent by the lienholder stating how much is due. There were no phone calls or attempts to reach me. Their website states that I owe {$8000.00} but my payoff amount is {$3200.00} so I do n't know what the owed balance is. If I had a current statement, I could have paid them. However, I was n't even given the opportunity to pay them. Now, my fiance 's XXXX worth {$5000.00} ( owned by the federal government ) is in the car and he needs it for daily use. This is a violation of the FDCPA.
04/14/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • TX
  • 78109
Web
I was sold a vehicle with a warranty in XX/XX/2022. I contacted the warranty company to request cancelation of the warranty. They said the dealer would have to request it. I contacted the dealer and was given several different excuses on why they couldn't cancel the warranty mostly referring to not sure where the form was or wasn't familiar with the process or the person wasn't in that knew how. I have since paid off the loan and I went to the dealer again to request the cancelation and they got on the phone with the lender and lender stated they can't cancel it now that the loan has been paid off.
05/17/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • OK
  • 740XX
Web
I have reached out to the company Consumer Portfolio Services, to work with me because I am stuck in a loan payment I can not afford, especially since my husband 's health has failed. I have tried selling vehicle to get out from under the debt and refinance to lower payment, but the vehicle was sold to me for XXXX dollars more than it is valued. I have been in touch with them and they say they are working with me and making arrangements and then they go and call my family and friends and call me through my work number when I am not not taking their calls. This is very bad customer service tactics.
06/25/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30132
Web
I submitted a request for debt validation on XX/XX/2022 via certified mail. Consumer Portfolio Services received the mail on XX/XX/2022. The information they sent back to me is a copy of a contract that has most of the words cut off making the information not legible. I requested a complete audit trail which I did not receive. I also submitted a Cease and Desist on XX/XX/2022 where I requested Consumer Portfolio Services stop all negative reporting to consumer reporting agencies. That only happened for a couple of days and they have since resumed reporting to the consumer reporting agencies.
04/26/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 440XX
Web
Consumer portfolio services XXXX XXXX XXXX XXXX Called today XX/XX/2022 - XXXX pm edt Did not answer. Voicemail was left. I attempted to call back, but the extension left was not valid. This company was looking for a woman name XXXX XXXX. She is a former/pass resident of my house. I do not know who this is, and she does not leave in my house. I bought the house empty. I returned call from this company in the last week of XX/XX/2022. Spoke with a woman representative and explained this to her. She was suppose to update their information to remove my number and address from their system.
12/15/2018 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
  • FL
  • 33884
Web
On XX/XX/2018, CPS pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX and CPS but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
06/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • NC
  • 28273
Web
I have already attempted sinceXX/XX/XXXX to settle out on this car with this company. This has taken place from XX/XX/XXXX up untilXX/XX/XXXX. I have submitted several complaints and in the motion of filing for arbitration. This company is indicating that I owe {$11000.00} and is valid through XX/XX/XXXX. I have already paid over {$15.00},XX/XX/XXXX for this car in which it was Contract Amount : {$13000.00} / Amount Financed : {$13000.00}. This car engine is no longer working. The car is not worth more than {$1000.00} and the company has failed to try and settle out this debt with me.
09/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 303XX
Web
Past creditor, Consumer Portfolio Services is purposely reporting in accurate information to XXXX Credit Bureau Agency. CPS has been cited by the Federal Trade Commission due to unfair unlawful business practices. My car was repossessed back in 2014. The account status should be noted as " repossessed-charged off-closed ''. The company is reporting to the credit bureau agency as 30-60-180-days past due, also failure to pay. I would like for this company to stop the illegal business practices they are still committing. Again, CPS has been cited by the FTC for their unlawful business acts.
10/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19132
Web
This company, Consumer Portfolio Services, is falsely reporting an item on my credit report while ignoring my request to verify this account. In XX/XX/XXXX they sold this account to another company by the name of XXXX XXXX. In XXXX, I contacted both companies via certified mail requesting verification of this item. Since XXXX XXXX has stopped reporting this item however Consumer Portfolio isn't after many attempts to correct this situation. Currently they are reporting a charged off amount of {$12000.00}. This item is severely impacting my credit and livelihood in a negative way.
06/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60619
Web
Consumer Portfolio is reporting a repossession and late payments on my credit report. That vehicle was traded in to XXXX XXXX in XXXX XXXX in XX/XX/2018. I was served papers and went to court several times for this account. Consumer Portfolio dropped the case because it was negligence on XXXX end. This has been reporting negative on my credit as a charge off for over {$20000.00} and its showing as late and repossession on my credit report. It is affecting my report and my progression in moving forward with repairing my credit. Can you help me get this resolved or removed?? Thanks
11/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07712
Web
I have a XXXX account that was open in XXXX XXXX and I was incarcerated at that time I would like for it to be removed. I also have something called, CONSUMER PORTFOLIO SERVICE, the address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was incarcerated at this time. I also will like to dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account opened XXXX XXXX I was also incarcerated at this time. I have something else as an hard inquiry called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I was incarcerated for this too
09/04/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • VA
  • 22312
Web
I purchased the vehicle in XX/XX/2016 for {$21000.00} from Consumer Portfolio Services. I have since paid a little over $ 15k and all has gone to interest only and NOTHING to my principle. I have what they call a simple interest loan at 20.45 %. I believe VA " Usery Law '' states interest is max 8 % on most vehicles. I contacted the company and they said I am compounding interest daily at {$13.00}. At this rate I will never pay off this vehicle or be able to trade it in. I currently owe almost $ 25k. Is there anything I can do about this? I am currently 62 days past due.
11/17/2019 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
  • AL
  • XXXXX
Web
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, Consumer Portfolio S, XXXX XXXX XXXX, XXXX, XXXX, I did not get another vehicle and would like these inquiries removed from my credit file.
01/25/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • AZ
  • 85042
Web Servicemember
I get paid on XX/XX/XXXX the manger emailed me and said it would go to repossession on XX/XX/XXXX but she had options then a representative called and said no options and it will be repossessed on XX/XX/XXXX and add more fees she was very rude and then she called my friends and left voicemails for location information when they have my current contact information this is very embarrassing on top of everything else going on in my life that they dont care about and we are only talking 4 days and when I emailed the manager back with my concerns they are not calling me back
01/03/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75150
Web
opened XXXX on XX/XX/2016 and this company is STILL reporting inaccurately on my credit report which will constitute me filling a lawsuit if they continue to not follow the response obtained in their response to the CFPB that they account will be CLOSED. This needs to be CLOSED/DELETED on ALL credit reports : XXXX/XXXX & XXXX as this is still affecting my score. This has been going on for two years now as you ( Consumer Portfolio Services removed it from my credit report after my complaint was submitted to the CBPB but it mysteriously reappeared about 3 months later.
03/23/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • SC
  • 295XX
Web
Lender charged interest rates at 25 % the car after taxes & fees were $ XXXX plus interest at 60 months $ XXXX to a total of over $ XXXX. The lender did not notify me that they have rejected the title from the dealer as it has been almost 60 days since purchase of the vehicle. The vehicle had XXXX miles at purchase but the contract said XXXX when I informed them the dealer didn't apply the proper mileage on the paperwork they did not try to rectify the issue. Lender is working with dealer in deceitful practices to trap me with a vehicle that title has yet to be found.
10/26/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28601
Web
I purchased a XXXX Ford Focus XX/XX/2007. The car was financed through Consumer Portfolio services. My interest rate is 17.95 %. I paid over four years and had to file Bankruptcy, they reported I still owed {$5200.00}. I was current on the car, when I had to file Bankruptcy, I feel they scammed me. And found out they have a case that was filed with the Federal Trade Commission, for these unfair practices and need help. My paperwork shows that they over charged XXXX on my debt and need help proceeding. Due to high interest I feel I am owed back that plus all the fees
07/11/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • LA
  • 705XX
Web Servicemember
I file a complaint before about this debt for Consumer Portfolio Services. My ex wife and i had a car loan with consumer portfolio service this loans was in XXXX. The car motor went out they repossess the vehicles. The station of limitation has expires in XXXXXXXX XXXX XXXX i did a debt validation letter to them and they drop the balance to XXXX on this account .Now in XXXX XXXX XXXX they must have sole this debt to XXXX XXXX XXXX because now this collection agency have put it back on my credit report as of XXXXXXXX XXXX. This is fraud and i want it remove ASAP.
04/26/2021 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
  • 604XX
Web
NEITHER XXXX, XXXX OR XXXX have my consent to use my private intellectual property for their commercial use, they are guilty of consumer fraud, identity theft and possibly tax evasion. they have been asked to remove all bankruptcies being reported unless they can provide undeniable proof that investigation was done and that the bankruptcy court gave them accurate and verifiable information, which they did not. I have asked the bureaus to cease and desist from reporting any score that will make their score for me drop that is damaging to our name and reputation.
03/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NC
  • 27909
Web
I have been in the hospital, and just got out on the XX/XX/2020. I was 2months payment behind {$1000.00} dollar 's. They claim that i have {$1100.00} In late fees and threatening to repossess my vehicle if I dont pay {$2600.00} by the XXXX. Or Else they will repossess my car. On XX/XX/XXXX. I told them i have other bills and that I had XXXX. Also I told them I could catch up on the 2 late payments not the excessive late fees. The company Consumer Portfolio Services. Also looking at my payments none of my money since XXXX is going to my principal. All to interest.
08/13/2019 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
  • IL
  • 60610
Web
I sent a letter to CPS in XX/XX/XXXX regarding them pulling my credit on XX/XX/XXXX. I didnt give them permission to pull my credit. I included a copy of my ID and my report to show them I had a fraud alert and I should have been contacted before they attempted to pull any credit, but most importantly they should have verified the persons identity with them showing identification which clearly wasn't me. After I didn't hear back from them I contacted all 3 bureaus via letter XX/XX/XXXX and again XX/XX/XXXX til this date the inquiry is still on my credit report.
08/25/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • SC
  • 295XX
Web
I have been paying on my loan with Consumer Portfolio Service for 4 years ( since XXXX ). I have paid over XXXX dollars on a {$17000.00} loan and my balance is still {$13000.00}. My payments that I am able to make are not going to principle, even though they claimed they were. My payments are {$440.00} ( not including the fee to pay online ) Now with the issues that are going on in the country and hours being cut back, they are threatening to repossess the vehicle and charging of the account. The company will not make feasible arrangements to fix account.
07/19/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • XXXXX
Web
Consumer Portfolio Services calls me repeatedly several times a week, harassing phone calls which I have a number of save message from week to week. This has been going on since XX/XX/XXXX . I do not have or owe this company any thing. I have asked on numerous occasion for the many different representative to stop calling me on a daily basis. I get at least 2 to 3 calls some times more during the each week. This has been going on for a minimum of 2 plus years no exaggeration. The latest calls were from XXXX XXXX - XXXX XXXX XXXX as of XX/XX/XXXX
10/03/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30032
Web
I had a loan with Consumer Portfolio Services for a XX/XX/XXXX XXXX XXXX. I lost my job and the car was repossed on XX/XX/XXXX. The car was sold at the auction for {$7700.00}, and the balance of {$7000.00} was applied to the balance of the car. It is showing on my credit report as I owe {$14000.00}, and that I am passed due {$6300.00}. I have called and was told that the payments continued to calculate even after the car was picked up and sold. I have asked that this be removed and that we work out a payment plan for the {$14000.00} and get no response
10/19/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70816
Web
I've given dates on when I will pay my debt and they continue to harass me with repeated phone calls. They don't care when you give them a date to pay because they will continue to harass you. Even when I've told them repeated that I would be making my payments through my bank 's bill payment system, they will still call you and harass you. I've also told them repeatedly that I do not want to opt for the payment help because they asked additional questions that I thought were not appropriate and yet they continue to call and push their unethical plan.
09/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 43615
Web
XXXX 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : CPS Inquiry Type : Hard 4. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard XXXX 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : CONSUMER PORTFOLIO S Inquiry Type : Hard
04/09/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • MD
  • 21012
Web Servicemember
This company gave me a car loan then contacted the car dealership and said the second company I worked for was fake/ gave fake check stubs because it was on XXXX software- they never called my second job which I have been at four years - its a small business and doesnt use a XXXX or XXXX system- my employer called them and they told her they didnt say this! They made me return the car after 25 days and didnt try to work my deal or eve call to verify my legit job!!!! They ran my credit so many times but didnt verify my jobs and refused to help me
06/27/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 92316
Web
I got my XXXX XXXX in XX/XX/XXXX for {$14000.00}, APR 23.23 % for 72 months, from Consumer Portfolio Services.. I've paid 90 % on time payments. I still owe {$9800.00} I've paid {$12000.00} in interest fees. I even was making extra payments {$200.00} a week and none of it was going to principal.. All my payments are going to the finance and not the principal. I've asked when my loan will be paid off they won't give me an end date. They say they're extending my contract to 96 months, even with that there's no way my loan is going to be paid off.
09/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • KS
  • 66502
Web
provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
10/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IA
  • 515XX
Web
I purchased a XXXX XXXX XXXX from Consumer Portfolio Services on XXXX/XXXX/XXXX. The original loan was for {$20000.00} and I have been paying on this vehicle for 1 year 11 months and the balance is {$19000.00}. My monthly payments are {$470.00}. I have paid {$8600.00} to date on this loan {$1500.00} has been applied towards principle and {$7000.00} is interest and other fee 's. My vehicle has a blue book value of {$8400.00}. I do n't understand how it is legal for the principle balance to be so high after almost 2 years of paying this vehicle.
05/04/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • PA
  • 19141
Web
I opened a joint auto account XX/XX/XXXX leased under Consumer Portfolio Services. I was not aware that payments were being missed or paid late. The car was then repossessed In XX/XX/XXXX. There is a balance of {$12000.00} on my account. The company has been repeatedly harassing and calling my father and threatening to sue me and take me to jail. Prior to this knowledge of my father being harassed I have enrolled into a debt management plan to clear up the balance. I am both disgusted and angry that they take advantage of people in this way
05/12/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 94579
Web
I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off
06/29/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 98275
Web
Consumer Portfolio Financial is not applyng any of the payments towards any late fees. I have continuously submit payments that include the late fee but they refuse to apply the amount to any late fee. I have contacted CPS and they still refuse to apply the late fee as required. Also to print the bill and show the correct due dates as required. The bill is cut XX/XX/XXXX and received XX/XX/XXXX with a due date of XX/XX/XXXX. Essentially an individual will receive the bill after the due date. This has been brought fourth numerous times.
08/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29209
Web Servicemember
I have sent multiple letter asking Consumer Portfolio Service to validate and show proof that I was late on any payment when I have an account with them. They are report to the three major credit bureaus that I was late on my payment XX/XX/XXXX. The account was setup for direct payment and was taken out of my account on XX/XX/XXXX. Which was well before the payment was due. I have called and sent letters to the company to send me proof of late payment. I was told by phone rep that would get back to me and I have yet to hear from them.
11/16/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33884
Web
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
05/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • OH
  • 43232
Web Servicemember
I have a simple interest auto loan with Consumer Portfolio Services. On XX/XX/21 they received a payment pf {$11000.00} and the are reporting my loan as delinquent because the payment was from a third part. With the payment of {$11000.00} this should've advanced my next pay 28.4 months.Instead Consumer Portfolio Services are reporting my account as delinquent.I 've been told that because the payment was from a third party it is their policy not to count the payment as being from me, which doesn't matter because the payment was made.
02/25/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 218XX
Web
The car was totaled XX/XX/2016. XXXX made a payment round about XXXX. Gap insurance mad another payment in XXXX for XXXX. I had the car for about 13 months the payment was XXXX a month the loan was for 5 years. They have received XXXX for this loan. They are still saying I owe XXXX for fees and late charges that should not have occurred once the insurance company paid on the vehicle. This is excessive and overpricing. It 's also reporting to the credit bureaus that I owe XXXX but they are telling me I have to pay XXXX to pay it off.
04/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33139
Web
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
09/10/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22193
Web Servicemember
Consumer Portfolio Services Account Inquiries System, XXXX has constantly called our home asking for a person who does not live here. I have asked if they have any action against either myself or my wife and they admit they do not. I have advised them that I will not discuss with them any person who does not live in my home. They started calling me by name and now are calling my wife by name. DO Not Call register obviously does not work as we have never done business with them and are the list. This needs to stop.
07/10/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 94015
Web
I have a loaned of {$3000.00} on XXXX 2014, My balance never goes down I am late with my payment sometimes. All the payments its goes only in the interest because of being late and charged me XXXX a day. I almost paid about XXXX or more but my balance still {$2800.00}. If i do not pay on time my payment will only go on interest.. This is too much interest. The company is Consumer porfolio services of california. Its located at XXXX california. My name is XXXX XXXX XXXX, MY PHONE XXXX MY ACCOUNT NUMBER IS XXXX XXXX
09/21/2021 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OH
  • 43055
Web
On XX/XX/2021 at approximately XXXX eastern time Consumer portfolio called a relative of ours and left a message stating they were trying to get location of our vehicle for repossession and wanted them to call back with information. They have contacted another family member multiple times a day even after she has requested them to not call her. Consumer Portfolio has also told us multiple times when we've made payments that they would move the past due to the end of the loan to help us, but this has not happened.
08/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • KS
  • 66441
Web
My loan is for 60 months at {$370.00}. The loan term began XX/XX/2014. I have received 7 extensions due to financial difficulties. As of today, and with late payments, I still owe {$10000.00}. There is no way my loan is adding up to the terms. I added in the extra 7 payments for the extensions I took out, and this company has me for an extra four thousand plus dollars! I want to know where it came from. My original sales contract called for {$9200.00} in interest, and Ive already paid {$9400.00}. 23 % Interest!!
04/14/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NV
  • 89135
Web Older American
I paid {$1500.00} in the beginning of loan to pay in advance and CPS misapplied payments and took XXXX $ in interest! Since that time XXXX 2022 its been a battle to have them reapply the payments correctly! Past 4 months paying what they tell me.. still goi g to interest instead of principal! Threatening to repossess and many late fees and misapplied payment!! I even qualified and signed documents to put one payment at the end of loan No ONE IS HELPING ME and it causes me stress and financial hardship!
12/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 99208
Web
I had a car loan with CPS ( Consumer Portfolio Svcs ) which resulted in the vehicle being repossessed around XX/XX/XXXX. Since that time, CPS has added incorrect data to my credit report to keep the account listed after it should have dropped off. According to the current report, it shows the account was paid through XX/XX/XXXX and charged off in XX/XX/XXXX. This is incorrect as the account should be reported as a repossession in XX/XX/XXXX. I have disputed this information more than once with no resolution.
08/17/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • DE
  • XXXXX
Web Older American
Received an email in reference to {$630.00} balance due on XX/XX/2022 from a XXXX XXXX. I in turn called and spoke with her stating I would be making a payment of {$400.00} on XX/XX/2022. A hand delivered notice was place on my door this morning XX/XX/2022. No further contact was necessary, I know my rights and they are in violation : 15 U.S. C. 1692b and c and d and e and f 18 U.S.C. 1514 My payment will be made as I stated to them. Thank you for your time and assistance in this matter. Sincerely, XXXX
05/06/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20744
Web
This loan is a predatory loan in which I am paying. I signed a contract to purchase a XXXX XXXX XXXX at XXXX on XXXX XXXX. The interest rate on this loan is 17.95 %. The car is now only worth {$6300.00} at trade in value. My pay off at the moment is {$15000.00} after 2 years. The loan company named Consumer Portfolio Services is charging me 3 times over what the car is worth. I feel I was scammed into this loan and I have no way of trading the vehicle in with the large negative equity I have with this car.
05/30/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • FL
  • 33020
Web Older American
on XX/XX/2019 my car was totaled in an accident but it was still drivable after I put new axel tire & rim the insurance didn't pay the clam after 3 months the loan company said I would have 2 keep making the payments witch I did 4 about a year XXXX never paid the clam the car was leaking inside when it rained so I stopped paying on a totaled car then they repossessed it now I have a repo on my credit the car was only worth a few XXXX dollars very weird practice in my eyes so I got XXXX by XXXX & c.p.s.
04/30/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • VA
  • 22309
Web
Consumer Portfolio Services We can not afforad the car. 1. We asked for lower payments denied 2. We tried to refince ... denied. 3. We took to the car to XXXX XXXX and XXXX XXXX offered XXXX Consumer Portoflio stated that it was to low. 4. We asked can we turn the car in AND WE WAS denied. The manager stated they have no lots to turn the car in. 5. The car have a negativie equity balance we do not have means to pay for the car. 6. WE ARE HAVING CHRONIC HARDHSIP! 7. WE NEED TO TURN THE CAR ASAP!!
04/04/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 17315
Web Servicemember
I contacted the company twice in XXXX concerning my unemployment due to the covid virus and I also contacted again today. They are not helping in any way, said make a payment this month or we repo. I explained I've filed unemployment and it's in the process but it is back logged so I havent received funds yet. CPS continues to state they are sorry but are not offering any help except payment plans which are not any help if you have no income and unemployment will barely cover a monthly payment anyway.
08/15/2023 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
  • OH
  • 43232
Web Servicemember
On XXXX the XXXX these appeared on my credit report by XXXX XXXX which, XXXX XXXX was removed from my report and all of these stayed on, I did not authorize or talk to these company at all for any financing so please remove them from my credit report as well. Lately I have had a lot of companies jumping on my credit report without and authorization from me. All of these companies appeared on my account the same day XXXX the XXXX XXXX XXXX XXXX XXXX XXXXONSUMER PORTFOLIO SERVI XXXX XXXX XXXX XXXX XXXX
02/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • OH
  • 44221
Web
I've been disputing this repossession for almost 2 years because the company constantly reports inaccurate information and balances that allegedly owe, posts completely wrong dates and missed payments..Each bureau post completely different information regarding this account. And I also was never given a notice of redemption, or a Notice of deficiency. I've requested Validation and Verification from all 3 credit bureaus via certified mail and all I get is either its been auto verified or no response..
09/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NC
  • 27612
Web Servicemember
I obtained the loan back on XX/XX/2019 with Consumer Portfolio Services and since have been in contact in XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other varies dates indicating that this contract was obtained fraudulently. The car was damaged and possibly rebuilt title and this information was not disclosed to myself. When dealing with the finance company - Consumer Portfolio Services, I have given all the information that clearly shows this was dealer fraud and they will not cooperate.
11/22/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OH
  • 447XX
Web
In XXXX of 2021 I had a loan balance of {$1200.00} XXXX sent a payment and of {$1300.00} on XX/XX/XXXX they said I had {$700.00} in late fees I spoke to XXXX XXXX that I wanted to pay the principal and negotiate the late fees because of XXXX. She said send the payment and then we can negotiate. I sent in the {$1300.00} which they paid off the late fees first and left a balance on the principal. They paid more on the late fees. Which now again left me behind with the principal loan amount.
07/24/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MO
  • 63026
Web
I have repeatedly asked Consumer Portfolio Services to stop calling myself and my family members to try to reach me regarding the debt I owe them. I have already spoken to one of their representatives back in XX/XX/2019 and have agreed upon a repayment plan. However, they continue to call me and my family multiple times per day in order to reach me regarding the outstanding amount owed. I have asked on multiple occasions for them to stop calling me, but they continue to call constantly.
09/10/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • IL
  • 60426
Web
I did an application for a consumer credit transaction with XXXX XXXX in which they told me XXXX needed me to put a down payment of {$6800.00} on a used XXXX XXXXXXXX XXXX and a 5 year verification letter stating I will be getting public assistance for the length of the loan. How does Congress define income? What law requires a consumer to provide proof of income for the length of the consumer loan? Why was I being offered installments when a purchase money loan is for a finance charge?
09/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 17013
Web
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Consumer Portfolio Services , Inc. on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Consumer Portfolio Services , Inc. violated federal law. see 15 USC 1681b A2. I did not give Consumer Portfolio Services , Inc . Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
11/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 076XX
Web Servicemember
Consumer Portfolio Services of XXXX XXXX XXXX. XXXX XXXX, XXXX, C.A. XXXX has been contacted numerous times, starting from XXXX of XXXX until this date, in regards to a closed charged off account. This account is showing a balance of {$10000.00} and it should not be showing a balance sine the account is charged off. There has been numerous account changes since XXXX of XXXX made on this account. Sometimes it reports as still open then it changes back to account closed and charged off.
06/19/2023 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
  • CT
  • 06902
Web
Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. CONSUMER PORTFOLIO SERVICES Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XXXX
10/30/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43017
Web
Multiple phone calls including auto-dialing occurs daily. Even prior to being considered 30 days delinquent with a payment. My references are called for collection purposes and my job was being called multiple times a day ( even though I did not provide the number ). With all of the calls I receive, there is also a voicemail message. Prior to me asking them to no longer call my job, I was receiving daily voicemail messages at work seconds after a message was left on my primary line.
11/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 94501
Web
For the last 12 months consumer portfolio services has not allowed me to use my final extension on my loan. An extension would allow me to get caught up on my loan and prevent damage to my credit. Customer service has even rejected my request to apply. I was not able to apply for an extension which does not appear to be lawful or beneficial. As a result I am consistently behind and have not been able to get caught up on the loan. This has also affected my credit report drastically.
04/19/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • LA
  • 70503
Web
I have a car loan with consumer portfolio. After falling on hard times due to the loss of my job and my income going down i fell behind on payments. I took my loan out in 2012 i think. They constantly called and harrassed my personal referances giving them info about my loan without my permission and constanly called me at work after being told not to do so. They recently repoed my car for being in default they didnt even try to work with me and refused to lower my monthly payments
03/01/2022 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
  • Was not notified of investigation status or results
  • CA
  • 90292
Web
CONSUMER PORTFOLIO SVC account number XXXX on my credit report was tagged to be CHARGE OFF with no specific date of showing the late status. The payment history is incomplete and with so many errors in the date of last activity, date opened, etc. The entire remarks for this account are a big error. Thus, I am doubting that the Bureaus have conducted a proper investigation. Moreover, I have been sending them written complaints and requests and they failed to give me feedback.
09/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 23324
Web
loan start date XXXX for XXXX and it still shows to as of XX/XX/2020 the pay off is over XXXX. There are late fees and accessed fees being added every couple months. There is no way I have had this vehicle for 5 years and only paid it down XXXX if I have been paying monthly and even with skipping a couple payments. I show 48 payments of XXXX each and payments of over XXXX each several times and smaller payments that look like they were broken down to be applied to late fees.
11/05/2020 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
  • AL
  • 35215
Web
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
02/11/2021 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
  • MD
  • 21221
Web
On XX/XX/XXXX XX/XX/XXXX and XX/XX/ 2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
11/06/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • VA
  • 23462
Web
They are charging {$300.00} for a fee that I don't know what it's for. Also they have called me after I made a payment and my payment was made ( this has happened several times ). Also they have violated FDCPA by calling me early in the day leaving a message on my voicemail and then they call back again in the same day that they left a message. This happened today and XX/XX/2019. This is not the first time this has happened. They customer service reps are also very rude.
04/03/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 23223
Web
On XX/XX/2016, I requested a cease and desist letter with the lenders of my car loan, Consumer Portfolio Services. I have also requested that I do not receive and text or automated call from this company. I have never been over 15 days late on my car loan and while I understand that this company has a right to inquire on a debt but the numerous calls, sometimes 3 or more a day is simply out of control. This company has continued to ignore my request and I want it to stop.
10/19/2022 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
  • MN
  • 55112
Web
My personal information was exposed on line around XXXX XXXX XXXX. there was multiple fraudulent accounts. that was opened or attempted to be open. after filing police reports and identity theft reports. i was able to clear most of the fraudulent accounts up. form the consumer reporting agencies. but XXXX XXXX XXXX XXXX XXXX is refusing to remove XXXX of the hard inquires that was unauthorized and fraudulent. with many attempts to clear this up. they are still refusing.
04/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30102
Web
These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.
06/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43017
Web
On XX/XX/2020, my credit score increased by 19 point ; however, on XX/XX/2020 my credit score decreased by more than 70 points. The account is current and the balanced decreased by {$1100.00}. I am confused as I am showing the account is current but in one section it is showing as 60-90 days delinquent. This account is current and should reflect the same. Additionally, there should not be such a steep decrease in my credit score if the balance decreased and is currentt.
01/11/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23608
Web
I XXXX XXXX, a federally protected consumer giving written notice pursuant to 15 USC 1692g ( b ), give notice that. 1. The Consumer request verification of the debt. 2. The Consumer request validation of the debt, to wit, the chain of title to the debt and a history of changes and payments thereon. 3. The debt, or a portion thereof, is disputed. 4. The Consumer requests the name and address of the original creditor. ACCOUNT INFORMATION FOUND ON CONSUMER REPORT.
09/23/2021 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
  • OH
  • 44128
Web
This company CPS in my case which should be investigated for PREDATORY LENDING that is the issue. The response from this company deviates from what the real issue. They sold a Lemon and are still collecting monies from a car that the transmission failed 29 days after I received the car. Not even 2 years after I paid for a transmission for {$3500.00}. The motor fails. There is a real consumer issue with this company that needs to be addressed. Respectfully, XXXX XXXX
11/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • XXXXX
Web
Consumer Portfolio Services continues to report as charged off the remainder of their auto loan to me, if indeed a contract was formed at all, which violate applicable usury laws ( including but not limited to N.J.S.A. 31:1-1 ) I refused and continue to pay a full 200 % of the value of the car. I have attempted to resolve this amicably, but seek your intervention as a remedy of law. This item remains the only negative item on my three major consumer credit report.
09/13/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Old information reappears or never goes away
  • LA
  • 70802
Web
Consumer portfolio services opened XX/XX/2017, This account was XXXX XXXX XXXX and sold due total loss. In accordance with the fair credit reporting act. has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666bB : a creditor may not treat a payment on and account under and open end consumer credit plan as late for any purpose.
03/05/2019 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
  • XXXXX
Web
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA. After sending them my letter I received a return to sender as this company is not in business? This should not be on my credit report.
10/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28227
Web
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the CONSUMER PORTFOLIO SVC and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
11/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20832
Web
On XX/XX/2021 and XX/XX/2021 I enter a contract with XXXX XXXX XXXX XXXX that when they cash my check for payment that they will remove all derogatory items from my credit report from all the credit bureaus that they report to. As of XX/XX/2021, they are still reporting derogatory items on my report. I sent them a certified letter on XX/XX/2021 of breach of contract and they have not responded to my request to remove these negative items from my report.
09/08/2020 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
  • Problem with personal statement of dispute
  • IL
  • 60419
Web Older American
I have a car loan with consumer portfolio, and have made over 55 payments and due to the virus. My payment was do on XXXX XXXX I made it on XX/XX/XXXX because I was just getting back to work, I work at a XXXX XXXX which that position is only a 9 month position.My credit score was XXXX and they reported to the credit company 's that is was late and they drop my score from XXXX to XXXX. I do not think that this is fair. What can i do about this. Thanks
11/14/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • NC
  • 28262
Web
I got a loan in XXXX with Consumer portfolio services. I did not pay the loan off because the car was stolen and never recovered. Insurance paid the balance at the time. The creditor has been reporting this debt and changing the dates past the seven year period. The car was stolen I believe in XXXX but they are reporting XXXX as first report date. I have disputed with the credit bureau who indicates that the information is correct however, it is not.
06/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45459
Web
I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
10/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94066
Web
It states on my credit report I lived in Oregon, I have never ever lived in Oregon. It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, CONSUMER PORTFOLIO S and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.
05/05/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MS
  • 39208
Web
About XX/XX/2022 all of my credit monitoring apps went off to inform me of my credit score dropping over XXXX points because of consumer portfolio. Money payment was made and they still reported me being over 30 days late. I called the company later that day and they said sorry. Nothing that the was going to.do to fox their mistake. I just got my credit score higher. Now they ruined it. I want that later payment removed and my credit score fixed.
06/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60652
Web
I sent my first letter to Consumer Porfolio Services XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form CPS. CPS is reporting inaccurate information related to an open account. CPS has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. Consumer Portfolio Services are now in violation of the FCRA and continues to be in noncompliance.
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33313
Web
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
06/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45133
Web
In accordance with the Fair Credit Reporting Act, Consumer Portfolio Services account # XXXX, has violated my rights. Between XX/XX/2023 and XX/XX/2023, my Consumer Portfolio Services account was reported as 30 days late. I have not made a late payment. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
04/03/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 171XX
Web
Consumer Portfolio continues to furnish data on credit file. Car appeared on credit file 2019. Contract was an obligation with myself and ex husband. When car was repossessed company failed to make contact with me when car loan was in jeopardy. Never received any documents regarding sale, disposition if gap coverage were calculated. Company failed to comply. In addition, full investigation regarding unfair sales practices during time of sale.
03/04/2018 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • XXXXX
Web
I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
08/13/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85392
Web
Consumer Portfolio Services called my office again ... I had filed a complaint last year after I had told this company to NOT call my work number or call prior to am. Per the agreement the emailed back - they would not call work or call prior to XXXX. I filed another complaint last week showing the date and time of a call at work after the agreement ( I let the 1st couple go ). Then 2 days ago they called my office again. It has to stop!!
11/17/2022 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
  • AL
  • 35211
Web
This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.
12/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OR
  • 97230
Web
These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. XXXX. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This is not mine. XXXX. CONSUMER PORTFOLIO SVC Account Number : XXXX This is not mine.
07/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • MI
  • 48091
Web
I requested a full history of my payment since i brought the car. I don't understand the interest, principle and how its working. I spoke to someone over the phone a few months ago and they were trying to make sense of it to me. I still wasn't understanding the calculation. I went into the dealership where i brought the car and they looked at the information i had and said they could not figure out how the company is computing the amounts
01/28/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TN
  • 37043
Web
On XX/XX/22, I attempted to make my car payment via credit card as I have before. Without notice, warning, or consent, they removed my cc method of payment and stopped taking payments via credit card. They allege theres a law preventing paying debt with credit cards but I cant find it and again, was never notified. Now theyre threatening further action if the payment isnt made but they wont accept my readily available method of payment.
11/17/2018 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
  • GA
  • 30096
Web
XXXX has been non-compliant with removing the unverified account CONSUMER PORTFOLIO XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONSUMER PORTFOLIO XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
03/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • IN
  • 46360
Web
XXXX XXXX XXXX XXXX got me approved for a car loan and I've made my payment already on the vehicle now the finance company is now for some reason denying my contract..this is something that went on behind my back out of my control, but I'm left dealing with the consequences..the dealership has gotten money from me as well as the finance company..now they want to take my car ... I believe the dealership has committed some type of fraud.
07/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11238
Web
these accounts don't belong to me. please remove accounts 1. Identity Theft XXXX XXXX Date of Inquiry : XXXXXXXX XXXX This is not mine. 2. Identity Theft XXXX Date of Inquiry : XXXX XXXX This is not mine. 3. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 5. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine.
02/14/2023 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
  • NC
  • 272XX
Web
XXXX, XXXX, XXXX & XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
05/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98059
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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • XXXXX
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 an open end consumer credit plan as late for any purpose.
01/13/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • PA
  • 18951
Web Servicemember
I WAS CONTACTED BY THIS COMPANY I PREVIOUSLY SUBMITTED A HARASSMENT LETTER ASKING THIS COMPANY TO STOP HARASSING ME.THIS COMPANY IS STILL HARASSING ME FOR A DEBT THAT IS NOT MINE THIS COMPANY REFUSE TO GIVING ME INFORMATION SUCH AS MY IDENTIFICATION CARD, CORRECT SPELLING OF MY NAME AND MY ADDRESS WHERE THE LOAN WAS ESTABLISHED AND THIS COMPANY REFUSE TO PROVIDING ME WITH ANYTHING BUT HARASSING LETTER ASKING FOR A DEBT I DON'T OWE.
11/25/2019 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 76109
Web
On XX/XX/19 my auto loan company consumer portfolio services disclose my account info to mrs.XXXX XXXX the info given out was my loan balance, past due amount, account status and express my account has been reviewed for repo. mrs.XXXX has never been authorized to talk to on my account at all and also i have been receiving 6 to 8 calls per day on my and my personal reference XXXX XXXX had been contacted more than once per my loan
03/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 723XX
Web
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 cit open end consumer credit plan as late for purpose. 146
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46235
Web Servicemember
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 an open end consumer credit plan as late for a purpose.
11/04/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 936XX
Web
I was unable to repay a car title loan, they repossessed the vehicle and now they are still after me for more fees. The amount of the loan that remained unpaid is the same if not more than what they are charging me for the auction sale of the vehicle they took from me. and they are harassing me at work multiple times a day calling everyone and releasing private information regarding me. and they are very ride to me on the phone.
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76108
Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
03/24/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • XXXXX
Web
Consumer Portfolio Services reported the incorrect balance of {$2800.00} on XX/XX/2017 for my car loan account to XXXX, XXXX, and XXXX credit agencies. Prior balance reported as of the XX/XX/2017 statement was {$2800.00} ; payment posted to my account on XX/XX/2017 for {$1800.00}. Current principal balance on my account is {$1500.00}. Please verify & correct the information being reported by CPS, XXXX, XXXX, and XXXX in error.
11/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28262
Web Servicemember
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75081
Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 -602, states I have the right to privacy. 15 USC 1681-604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open on a consumer credit plan as late for any purpose.
11/05/2022 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
  • AL
  • 368XX
Web
Hey. I was looking over my credit report and i have no idea where some of these inquires came from. Before making this report i took time to contact each company separately and neither one could give me information on where this inquiry came from. The only course of action they gave me was to file a report with you guys or call the credit bureaus. I'm asking that you please remove these inquires that i did not authorize.
10/08/2020 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
  • VA
  • 23237
Web
Consumer portfolio Services, initiated 3 hard inquiries on my XXXX credit report without my authorization. The inquiries where improper and unnecessary. All three inquiries were done in less than 90 days. I contacted Consumer Portfolio Services by phone and they told me they had no record of the inquiries. I also contacted them on writing, with no response. The inquiries were done on the following days. XXXX XXXX XXXX
05/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 96150
Web
I took this loan XX/XX/2015. To bein with it is already predatory at 22.5 % interest over 6 years. But i did accept it. I negligently have not been monitoring my loan balance. I realized after 2 1/2 years I have paid {$310.00} of prinicpal. Based on the amoritzation schedule I should be around {$12000.00}. They say interest on late payments has accured. This was not disclosed or explained. Its insane! I am being robed.
06/01/2020 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
  • WA
  • 98003
Web
In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit. Thanks XXXX XXXX
08/02/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 47711
Web
Consumer Portfolio Services, has not provided me any documentary evidence pursuant to 15 USC 49. They have not provided me with any contract bearing my wet blue ink signature that I owe them. Furthermore they have been reporting an alleged account on my credit report negatively. I will have no other choice but to file a complaint with the attorneys general if they do not delete this account from my credit report.
11/21/2018 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
  • 78520
Web
I have sent numerous requests to this company regarding the failure to provide me the past due amount they state I owe along with providing me my CAR TITLE for a vehicle that was paid off in XX/XX/2012. Department of Motor Vehicles law states failure to provide the title within the 30 days after loan is paid in full results in an automatic {$25.00} penalty, plus another {$25.00} for each month the title is late.
08/21/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • AL
  • 36265
Web
Purchased a vehicle in 2018 and loan is through Consumer Portfolio Services. A {$12.00} fee was charged monthly for every payment made. I noticed they just reduced this fee this year to {$4.00}. So for 5 years I have been paying an additional and unnecessary fee which amounts to a significant amount of money. I would like them to reimburse me for the significant amount of money charged for absolutely no reason.
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43230
Web
This is my THIRD time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX # XXXX, XXXX # XXXX, -XXXX XXXX, XXXX. # XXXX, -CONSUMER PORTFOLOI SVC # XXXX
03/25/2019 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
  • TX
  • 759XX
Web
XXXX XXXX XXXX is incorrectly reporting an unpaid account in the amount of {$560.00} ( page 19 of the attached credit report ) partial account number XXXX. This account was sold to Consumer Portfolio Services for collection. I do not have XXXX and this account does not belong to me. This account is over 7 years old and the statute of limitations has expired. This incorrect reporting is harming my credit score.
11/28/2022 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
  • MS
  • 391XX
Web
Consumer portfolio is saying my account is a charge off. There was not XXXX consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on me.
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85345
Web
in accordance with the fair credit reporting act 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 an open end consumer credit plan as late for any purpose
07/22/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 366XX
Web Servicemember
I have sent several letters and called consumer portfolio services who are reporting a repo on my credit. Today is actually the XXXX day since I wrote them the first time and they refuse to verify the debt. I have asked for a sign contract and also the info from auction as I was not notified of anything. They will not return my calls nor letter. Since they can not verify it should be removed from my credit.
04/06/2023 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
  • 77388
Web
Last year, I bought XXXX vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Portfolio Service I need these inquiries removed from my credit report ASAP. Thanks!
03/13/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 366XX
Web Servicemember
Debt was a charge off as of XXXX. Account is not allowed to be reopened. CPS continues to reopen account and mark payment history incorrectly. Since then, account has closed then CPS reopened it illegally as it shows an update in payment history which a charge off is NOT allowed to have an active payment history. This falsely manipulated the statue of limitations and must be removed according to the lawl
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78741
Web
Ive already submitted a complaint about this business. Now Im going to state how many of my rights they violated they were not fair or equitable and also defamed my character. I have a right to privacy I havent gave them permission to run my credit or my information. Also I was denied without an explanation or reason why. 15usc1681i, 18usc1961, 15usc1681b,15usc1681b4,15usc1681a4,15usc6801,15usc6802
02/01/2018 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
  • MD
  • 211XX
Web
A dispute inquiry letter was sent certified mail on XX/XX/XXXX and received by the company on XX/XX/XXXX. The dispute was that an unauthorized inquiry was made and reported to my credit report on XX/XX/XXXX. The company advised a digital credit application was received. I was not provided significant proof from this company proving that the inquiry was made by me. I did not authorize this inquiry.
06/05/2023 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
  • IN
  • 465XX
Web
Consumer Portfolio Services is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.
12/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84321
Web
Consumer Portfolio Services has been reporting late payments to the credit bureaus it sends my information to. This reporting is false and should be removed. I have called the company multiple times explaining how this is inaccurate and they tell me it's an issue with their automated reporting that they are working on fixing ; however, these false statements have continued to appear on my report.
08/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • CA
  • XXXXX
Web
I did not give verbal and/or written permission for Consumer Portfolio Services to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
03/01/2023 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
  • 10467
Web
On XXXX XXXX, 2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.
07/21/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 775XX
Web Older American
Yes I am XXXX XXXX XXXX XXXX XXXX and I had just lost my husband 3 years ago I had just only {$200.00} down for the XXXX payment and I was leaving the country and I had no way to get around to to be able to go to the doctors and good car people had offered me a deal that I thought it was going to be okay I thought they were honest and right after I got about the car I had nothing but problems
10/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AK
  • 99504
Web Servicemember
I have inquiries on my credit report that weren't made by me. I don't have these accounts and haven't applied for the accounts. I believe they were made by an ex husband who was using my information to try and obtain a vehicle loan because the same items are repeated on multiple reports. The point being someone, not me has access to my information and has unauthorized access and inquiries.
07/25/2023 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
  • LA
  • 70506
Web Older American
CPS, INC aka Consumer Portfolio Services , Inc. placed inquiries on my XXXX and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. According to their telephone attendant, they are a debt collection company. However, I learned they are also a auto lending company. I did not apply for credit with CPS, nor did I apply for a loan with them. They did not have my permission to run credit checks.
01/25/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IA
  • 50320
Web
My car was totalled in an accident back in XX/XX/2016. After the insurance company and GAP company paid off their parts. Consumer Portfolio Services contacted me stating I still owed aproximately {$110.00} due to late fees. As of XX/XX/2016 I received a call from CPS at XXXX, outside the normal times debt collectors are able to call. I could sue them for violation of the calling rules.
07/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 372XX
Web
I Contacted Consumer Portfolio Services about a Negative Item that they are Reporting on my Credit Report ... The Negative Information is a Car Loan Account XXXX ... which was Fully Paid on XX/XX/2015 ... On my Credit Report..they show a Late Payment on XX/XX/2015 even though they received a Payment of {$4200.00} on XXXX XXXX and they Accessed an Interest of {$170.00} on XXXX XXXX
08/23/2019 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
  • AL
  • XXXXX
Web
I pulled my credit the first week of XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
05/30/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • XXXXX
Web Servicemember
Emailed as well as called XXXX portfolio company. I was told by representatives my last payment would be in XX/XX/. My bill still have a XXXX balance after 72 months of payments. Totally unfair and deceptive practices towards me, including failing to properly disclose interest rates and fees, misrepresenting the total cost of loans, and engaging in illegal debt collection practices.
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 705XX
Web Servicemember
I have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.
02/13/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 27704
Web Servicemember
Company sent me a letter on XXXX/XXXX/XXXX in the mail saying that I was 23 days delinquent in the amount of {$130.00}. I called about it and they said it was from XXXX. I have never received any correspondence about this amount I have however been sent one letter about my late payments in early XXXX and nothing about this amount was ever mentioned to me or has been sent to me.
06/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • OH
  • 43026
Web
Problem with credit report and score after we had agreed with the offer they had given me on their web site to for give three month of payment. Then after three month pay at the END OF THE XXXX MONTH ON THE XXXX. What they ended doing was report me to all three credit company saying I didn't pay on time. Hurting my credit score and hardship to me and my family after back XXXX.
11/19/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30096
Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
01/11/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 223XX
Web
I have been making timely payments on my auto loan. XX/XX/XXXX I made my regular monthly payment, due on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX. On XXXX I paid the bill timely. No principal was deducted from my loan balance with the full payment being applied to interest. I was told that I have no penalties for early payment but this is penalizing me.
11/28/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70663
Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
06/30/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AL
  • 365XX
Web
I obtained a new number about 6 months ago ... this company leaves constant voicemails everyday ... looking for a XXXX XXXX ... I have no idea who that is and I have explained that to them ... they hang up in my face ... they continue to call.. they argue with me about it not being the person they are looking for and at this point Im tired and ready to obtain a lawyer..
09/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43615
Web
There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the Dropbox below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.
01/19/2022 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • IL
  • 615XX
Web
My spouse was awarded a vehicle and the debt obligation in a divorce. I forwarded my divorce decree with judicial signature and my order of protection with signature. For several months I was not contacted and then my parents started receiving the harassing calls stating they were " making multiple attempts to locate me since I was not taking care of my obligations "
06/03/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19147
Web
I have been repeatedly misled by different representatives. Im harassed daily by this Consumer Portfolio Services. Ive tried to work with them in a difficult financial stress that has been the result of the pandemic. Im threatened daily with phone calls- phone number comes up as a yellow triangle with exclamation mark in it. Im very embarrassed and insulted by this.
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35810
Web
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
06/19/2023 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
  • CT
  • 06902
Web
Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
10/13/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60643
Web Servicemember
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
08/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 366XX
Web
i notice a inaccurate and incomplete item on XX/XX/2020 from CONSUMER PORTFOLIO SERVICE, INC and sent them a letter on XX/XX/2020 regarding this account asking for information relating to the validity of the account and has not receive anything from them inwhich is a violation of the law and i will be contacting my attorney with this matter.I have a copy below
06/30/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33165
Web
CPS CONSUMER PORTFOLIO SERVICES , INC ACCOUNT # XXXX XXXX XXXX XXXX XXXX ) XXXX THE NOT ONLY HAVE ME PAY FOR YEARS THIS USURY LOAN AND DAMAGE MY CREDIT BUT KNOW IM TRYING TO SETTLE A AMOUNT TO CLOSE THE ACCOUNT THEY REFUSING TO STATE THE INFORMATION OF THE VEHICLE IM PAY FOR IT IN THE SETTLEMENT LETTER OR GIVE OUT ANY INFORMATION ABOUT THE TITLE OF THE VEHICLE
07/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • XXXXX
Web
This company is collecting on a balance that was waived by XXXX XXXX. They have called me and multiple family members trying collect money. They make me give my date of birth and social security number without talking. They said that they will keep calling until I pay. The last rep mocked me and said the company didnt waive anything and that I just didnt pay.
04/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • GA
  • 30311
Web Servicemember
I have a car loan with Consumer Portfolio Services in XXXX, CA. To date, they have not sent customers any notice regarding relief during the pandemic. Ive spoken with a representative on XX/XX/XXXX and again on XX/XX/XXXX. The representative stated that they are waiting on upper management to make a decision. They are offering nothing to help their customers.
01/18/2023 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
  • 601XX
Web
I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.
07/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • IL
  • 60643
Web
My whole life I have been having problems getting credit. My father has been stealing my identity since I was born. There has been tons of jobs under my social and car loans. I never could get a line of credit because had everything under my social. He recently has filed bankruptcy in another state twice and they still havent removed them from credit report.
02/27/2019 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
  • AL
  • 363XX
Web
I inquired on buying a truck from XXXX XXXX XXXX in XXXX, AL. I asked the finance guy not to send my information everywhere. He said that he wouldn't. My credit report shows he sent my information to four different places on XX/XX/2018 and five different places on XX/XX/ 2018. I have exhausted almost every avenue to fix this issue. PLEASE HELP!!! -XXXX XXXX
11/25/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23434
Web
This debt to consumer portfolio services is not mine! I requested documentation showing my valid license and signature and the company sent me a signature that isnt mine! I have not been able to drive since the age of XXXX because a illness I have. I have never had a valid license to purchase a vehicle! Something needs to be done! A police report is on file
03/02/2021 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
  • CA
  • 95206
Web
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries
10/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92672
Web
Consumer portfolio services ; are putting false info on my credit report. Stating I made a payment in XX/XX/XXXX when the last time a payment was made was in XX/XX/XXXX. The amount is incorrect and they are trying to extend the legnth it stays on my report. It is due to come off my report and they have now sold it to another company with false information.
07/08/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • KS
  • 665XX
Web
On XX/XX/XXXX my XXXX report indicated an active account since XX/XX/XXXX. I called service department for " CONSUMER PORTFOLIO SERVICES, INC. ; XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXXXXXX '' at XXXX and " XXXX '' said we do not have an account with them per our phone number and last 4 of social. Seeking to have this fraudulent account closed and expunged.
08/29/2022 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
  • NC
  • 27612
Web
Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with XXXX
11/09/2021 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
  • LA
  • 711XX
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is close and the balance is {$0.00} as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaints.
04/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 386XX
Web
I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
04/06/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 27405
Web
I spoke to a representative and she told me although I was 2 payments past due & committing to paying 1 payment per month on my account until I was able to catch up I would still be reviewed for repossession. I also keeping getting voicemail messages from the representative stating although I have arrangements I am being reviewed for repossession.
03/16/2021 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
  • AZ
  • 85210
Web
never gave CPS consent to run my credit, Never signed, gave verbal consent, never heard of the company. you said " the inquiry was a result of a digital credit application received on XXXX from XXXX XXXX XXXX. your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
09/24/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 92021
Web
In response to Consumer Portfolio Services, I XXXX, A natural person they have in fact are giving false claims as to HOW theyve investigated their claims to be true when in fact they are not, I have attached the following documents providing the violations including theft of my vessel, as A holder in due course the next step will be litigation.
01/17/2023 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
  • 631XX
Web
On XX/XX/XXXX I went to a Dealership at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
10/31/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • 441XX
Web
I received a letter from XXXX XXXX on XX/XX/2018 stating that the firm was retained by the above referenced creditor and no attorney has evaluated my file, the validity of the account, or personally reviewed the circumstances of my account and as such is acting solely as a debt collector and not in any legal capacity in sending this letter.
12/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 713XX
Web
My information with XXXX has been breached and here is the proof and the reuse to delete these accounts Consumer Portifolio Svc Account # XXXX {$13000.00} XXXX XXXX Account # XXXX {$710.00} XXXX Funding Account # XXXX {$690.00} Portfiolo Recovery Account # XXXX {$430.00} XXXX XXXX Account # XXXX {$2300.00} So please delete these accounts
10/27/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 76543
Web Older American
Found that this company committed fraud against me the living person, by saying I entered into an agreement with them. The loan amount {$28000.00} it seems this was an assumed loan, but I don't know from whom is was purchased. Dated XX/XX/XXXX per copy of agreement letter received XX/XX/XXXX. The interest rate is 20.450 % extremely high.
08/01/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 782XX
Web
I disputed this account and they had closed it already so I asked for proof of documents they still have not sent proof of documents they keep calling and harassing me after I told him several times not to contact me to send the documents that I dont needed to provide for proof of the debt that is owed when they close the account already
02/04/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MS
  • XXXXX
Web Older American, Servicemember
I received a AUTOMATED robo call from company that claimed to be '' COMSUMER PORTFOLIO SERVICES ''. I HAVE NO DEBT! THIS IS SCAM COMPANY. AND IS JUST ONE OF SEVERAL SPAM AND SCAM CALLS THAT I RECEIVE. THIS FAKE DEBT COLLECTOR PHONE # is XXXX. THIS OCCURED TWICE ON XX/XX/2021 at XXXX ; XXXX XXXX. I HUNG UP KNOWING THAT I HAVE NO DEBTS.
09/05/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • IL
  • 60123
Web
on XX/XX/17 received a letter from the company stating I owe them {$16000.00} I feel I do n't because the car was too much from the beginning they did n't fix the car like they problem I told them to come and get the car I was not able to afford the car I was not working I try to go back to that dealer ship they was no later there.
08/08/2020 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
  • Their investigation did not fix an error on your report
  • GA
  • 30016
Web
I have a loan with XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, CNS PORT SVC, and DEPTEDXXXX with no successful resolution. There was definitely an error on their part.
06/07/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 336XX
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
06/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • MD
  • 21207
Web
XX/XX/2020 after reviewing my personal credit report ; a unauthorized inquiry from CONSUMER PORTFOLIO SERVI located at XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX credit file. I'm requesting signed verification or a immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
05/26/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 023XX
Web
I received a decline letter addressed to a XXXX XXXX at my address. I did n't notice the name until I had opened the letter. Upon seeing the company name CPS ( Consumer Servicing Center ) I contacted them to have it corrected and they could not locate either the name - XXXX XXXX and or my address XXXX XXXX XXXX XXXX, MA XXXX
08/26/2020 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
  • Their investigation did not fix an error on your report
  • VA
  • 23225
Web
I have a loan with XXXX/XXXX XXXX XXXX and CNS PORT SVC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX XXXX XXXX and CNS PORT SVC with no successful resolution. There was definitely an error on their part.
03/29/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21209
Web
I have a car loan with CPS, the original loan amount was {$9100.00} ( XX/XX/XXXX ), Interest Rate 25.50 %. As of XX/XX/XXXX I have paid {$14000.00}. Interest on {$9100.00} is about {$2300.00}. Total that should have been paid is {$11000.00}. I believe I have over paid by about {$2600.00}. CPS still shows I owe {$1600.00}.
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78572
Web
I noticed unauthorizedbard inquiries on my credit report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed. I never authorized these companies to run my credit, it's fraudulent. There is no information on account numbers because they are not linked to any open accounts.
06/25/2021 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
  • AZ
  • 85210
Web
XX/XX/XXXX I called XXXX to ask about an unauthorized credit inquiry placed on my credit report without my consent that I have no knowledge of, with the inquiry date placed on my XXXX and XXXX credit report of XX/XX/XXXX. I spoke with XXXX with I.D . # XXXX and also XXXX in the the " trade line reporting department ''
04/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 754XX
Web
This car was returned to Consumer Portfolio services and they have sold this car but they continue to report it on my credit. They picked this car up over 8 years ago and but they still say that I owe them. They say that I owe them over {$9000.00}, which is very untrue. This should be removed from my credit report asap.
08/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48505
Web
This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.
07/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48075
Web
The company has been improperly reporting my over due amonut, the past due dates and that I owe after being charged off. this company has been sued countless of times for this exact reason. case in point of the most recent case 1:21-cv-23749, Brown v. Consumer Portfolio Services, Inc. that I will attach my case on to.
08/20/2020 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
  • Their investigation did not fix an error on your report
  • MD
  • XXXXX
Web
I have a loan with XXXX, CNS PORT SVC, and XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, CNS PORT SVC, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
09/21/2016 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 92614
Web
I sent a letter back in XX/XX/2014 not to contact via phone to write me a letter because the calls were harassing me. The calls stoped until recently my voice mail has a recording of a message from this company and a couple other messages just asking for me, but the voice is the same. The harassing had started again.
09/17/2017 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 92656
Web
I requested CPS to cease and desist calling me and they did not comply. This occurred beginning of this area. They threatened to take legal action for paying a couple days late. I was told by.CPS that my credit will be affected if it 's a day late. They have bad reviews and do not comply with state and federal laws.
02/12/2022 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
  • MO
  • 63033
Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. XXXX XXXX XXXX XXXX Balance {$14000.00}
12/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92865
Web Servicemember
A person by the same first name as me is showing up on my consumer report. We have different last names and I do n't know this person. Previously, in the past 2 months I have received phone calls from marketing companies asking for this person. And last week I received two pieces of mail addressed to this person.
08/13/2017 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
  • NC
  • 28208
Web
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
09/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77073
Web
this debt is not mine this account was my x husband and this was his account I'm not the main signer on the account and we are now divorced after 7 years this is his account not mine and I have documentation and have proven this time and time again they took it off once and its back on again. this needs to stop
09/14/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • IL
  • 60426
Web
I applied for consumer credit and am need of all of the records and files both private and public associated with such transaction. I am also claiming all rights, titles and interest to my application that was denied and want the check to be sent to XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Illinois XXXX in 5 days.
01/09/2019 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
  • MN
  • 554XX
Web
I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.
06/16/2021 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
  • AZ
  • 85210
Web
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.
01/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 20171
Web
The interest rate is 24 % with monthly payment at {$470.00}. When payment is made, little amount is applied to the principal. So, I need to fix the issue. For example this month out of the {$470.00} amount paid, just {$51.00} was applied to principal. I believe I am been chat on this loan by the lender.
02/25/2021 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
  • NC
  • 28602
Web
Consumer portfolio services put 2 inquires on my XXXX report. The same date on both. I called XXXX they told me to call them gave me a phone number but the number doesn't work. I don't mind 1 inquiry on my credit but not 2 of the same thing. I need help in getting 1 off XXXX wouldn't know help at all.
04/28/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30092
Web
I have a letter from the attorney of Consumer Portfolio Services stating Consumer Portfolio Services would discontinue pursuit of the debt. The company stated they stopped reporting years ago. However, on XX/XX/2020 it shows still being reported as owed debt. This is stopping me from purchasing a home.
08/29/2018 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
  • GA
  • 30083
Web
Today I received a notification that Consumer Portfolio Services , Inc added an unauthorized inquiry on my credit report. I would like the inquiry removed Immediately. I did not authorize them to run my credit. I also do not want any phone calls from the company. I only authorize communication by mail.
10/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43551
Web
In Accordance with the fair credit reporting act XXXX account number has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
07/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30344
Web
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
11/11/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33160
Web
My vehicle was repossessed by Consumer Portfolio Services on XX/XX/2019, however they did a hard inquiry on my credit without my permission and for no apparent reason to lower my credit score even more. Consumer Portfolio Services has no reason to run a hard inquiry on my credit without my consent.
10/07/2019 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
  • MD
  • 21208
Web
All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | Consumer Portfolio S | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |
12/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • GA
  • 30238
Web
The finance company has left messages for one of my references giving detail XXXX what the call was about. And left a voice mail at my phone # giving VERY specic details, amounts, dates concerning my account information. I work collections and these specific details, Im told are against the law.
07/11/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 336XX
Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
10/01/2020 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
  • PA
  • 19104
Web
I recently went to obtain copies of my credit report and noticed some unauthorized inquiries reflecting on all three of my credit reports. Not sure how they happened but I didn't authorize any of these inquires to run my credit. Now my credit score has been affected and lowered because of this.
12/10/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 19120
Web
I had got side track cause of the inflation had went up and damaged my finance by the government and trying to get back on track to bring my account current as possible and i explain it to the company they put me on a payment arrangement and it work but the inflation still hurting my finances.
03/20/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90802
Web
They keep calling me at work and I have asked on XXXX different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
09/22/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MD
  • 21225
Web
I purchased a vehicle in XX/XX/2022 and my existing vehicle loan was to be paid off by the dealer during the trade off. The loan was not paid off until XX/XX/2022 which resulting in late payments on my credit report. The loan is now paid off however it still shows that I made 5 late payments.
08/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MI
  • 48101
Web
I paid Consumer Portfolio Servicing off in XXXX. I settled this account before the car was due to be paid off and they still have this reporting negatively on my credit report. It's showing that the account is closed, but they have it listed as a " Charge Off '' and it needs to be removed.
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32256
Web
Consumer Portfolio Services is deliberately reporting false and defamatory information on all three Credit Reporting Agencies. False and malicious information is being reported and I have repeatedly tried to clear this up with the credit reporting agencies and Consumer Portfolio Services.
11/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TX
  • 77025
Web
I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on CPS that has the same amount supplied to the three credit reporting agency.
08/30/2018 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
  • TN
  • 37167
Web
Wednesday night XX/XX/18, I got an alert from XXXX XXXX saying that I had a new credit inquiry from Consumer Portfolio Services. I knew right away that I did not apply for credit or authorize that inquiry. I then submitted a dispute on XXXX, which is the bureau this inquiry appeared on.
09/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was repossessed or sold the vehicle
  • CA
  • 92345
Web
I obtained a car loan from consumer portfolio services in XXXX of 2012 after paying for 8 years with few late payments which were always paid the principal never went down I finally Gave the car back now there coming after me for XXXX Ive paid them over XXXX dollars can you please help
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98023
Web
i only authorize for XXXX auto company to run my credit which was XXXX XXXX XXXX XXXX XXXX, 2023 ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
08/17/2018 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • GA
  • 30041
Web
In addition to repeated calls while I was at work, CPS contacted several friends and colleagues. They identified themselves as a debt collector and identified the specific debt they were trying to collect, asked for my address and who my employer was ( information they already have ).
04/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33614
Web
On XX/XX/22 Consumer Portfolio Svc placed a report on my credit stating Im over 30 days past due in the amount of XXXX and thats incorrect. At the time of reporting I was only a week late. I attempted to contact the company but I was transferred to different people and placed on hold
06/02/2018 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 238XX
Web
This debt was paid before charge off. The vehicle is no longer in my possession and the vehicle was purchased over 7 years ago. Payments received were more twice more than the car 's value. The amount collected and still pursing to collect is fraud and twice the value of the vehicle.
01/02/2023 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
  • PA
  • 19380
Web
I received an unauthorized inquiry from CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX XXXX, CA XXXX I did not apply for credit from this lender. When I called the phone number on their website, they identified themselves as a debt collector and asked for my full social security number.
02/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • VT
  • XXXXX
Web
Consumer Portfolio Service Unauthorized Hard Inquiry on Credit Report of consumer. XXXX XXXX did not have authorization to contact multiple financial institutions and give them permission to pull a hard inquiry for automobile financing. Date of Unauthorized Hard Inquiry XX/XX/2017
06/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 44105
Web
I took out a loan from XXXX XXXX XXXX with a loan company from CPS located in CA. I was late on my payment so the rep was setting up payment arrangements and they repoed the car. I have been trying to reach someone to get my belongings out the car but no reponse to where my car is.
07/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OH
  • 44102
Web
This account is unauthorized and has invalid information and violates my 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 1681 Section 602 States I have the right to privacy.
11/28/2021 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
  • GA
  • 30253
Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 79924
Web
I have a few reported hard inquires on my account which seem to be damaging my credit score. These hard inquires are inaccurate and you are reporting it to my credit score. XXXX XXXX ( auto ) XXXX XXXX ( bank ) CONSUMER PORTFOLIO SERVI ( Finance ) XXXX XXXX XXXX XXXX ( bank )
06/04/2015 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • PA
  • 178XX
Web
I told this company to stop calling me. They have called me over and over and even my employer. This company has even went to the point of calling me where it shows up as unknown on my cellphone. It is starting to be annoying and I feel like I 'm being harassed by this company.
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30549
Web
CONSUMER PORTFOLIO SERV Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
01/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • AL
  • 351XX
Web
XX/XX/XXXX I asked Consumer Portfolio Services not to call me at work, co n't on last call at work was on XX/XX/XXXX. My reference gets harassed since XX/XX/XXXX. XX/XX/XXXX when loan started. My loan should have only about 2 years left, my loan has almost 3 years left on it
08/23/2022 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
  • MO
  • 630XX
Web
My car was refinanced through upstart back in XXXX. My previous lien holder mailed me a refund for overpayment. They have yet to release my title. I have sent emails, they ignore. The new title holder has reached out to them. Still no title. I have read they do this often.
02/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 124XX
Web
after several harrassing phone calls, and an attempt to try to have this removed from XXXX report I was instructed to file a report on here I have never had this account I have no knnowledge as claimed before of this account or debt and its hurting my credit score terribly
05/04/2019 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
  • IL
  • 60516
Web
It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud
04/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • DE
  • 19720
Web
In XXXX of XXXX consumer portfolic account was closed XX/XX/XXXX. XXXX of XXXX this company changed the closed date as XX/XX/XXXX .I have report to the credit bureau XXXX XXXX , XXXX , and XXXX was told that the account is accurate. I thought reaging account is illegal
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 482XX
Web
CONSUMER PORTFOLIO SERVI XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX did not have proper authorization to access my credit report but did and this is a violation of 15usc1681n. this event happened on XX/XX/2023 and ever since it has been a factor of denial of my credit.
08/12/2022 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
  • OH
  • 454XX
Web
I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Consumer Portfolio Services - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
11/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77042
Web
XXXX I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.
06/19/2017 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
  • GA
  • 30043
Web
On XXXX / XXXX / 2017 a credit inquiry was made on my credit report by Consumer Portfolio S that was without my consent and unauthorized. I have made multiple attempts to work with this company to have that inquiry removed but they have n't been willing to help.
02/12/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60651
Web
Consumer Portfolio Services, has failed to provide me with appropriate information about this account. They have failed to provide me with the original instrument of in-debtness. They have also, failed to validate this debt. They have also violated 15USC1666 ( B ).
08/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48135
Web
I am trying to get this account correct, they put late payments on my credit report and when I submitted a dispute they have every payment for the life of my loan as a 30 late. They submitted a 30 days late for XXXX and the paper says paid as agreed XX/XX/2018 2018
06/10/2023 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
  • 10453
Web
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items indispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
11/15/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MO
  • 641XX
Web
According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name and REPUTATION also violating my right to privay and consent which I never gave. Refer to documents attached
11/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90012
Web
1. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 2. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 3. On XX/XX/XXXX, CONSUMER PORTFOLIO S add a hard inquiry on my credit report per XXXX and XXXX.
07/23/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 366XX
Web Servicemember
Per XXXX LAWS you must notify me of the auction and time to retain it - XXXX HAS A 10 day law- I never received and since you didnt include I assume you never sent. you included everything besides that Id also like copies of all letters not a text you typed up.
10/18/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • RI
  • 02914
Web
Consumer portfolio services place my loan status on XXXX major credit bureaus as charge off without any written consent to me nor have they answered any email or phone messages i am late on loan and informed them of death in household being cause of reason
09/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53212
Web
Despite that fact that it has been almost a year of me attempting to resolve this unauthorized inquiry, CPS still has not contacted XXXX to have it removed as previously agreed. That is FRAUD at this point, XXXX has no record of contact from CPS for me.
01/23/2020 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
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
The late remarks is in question.They are inaccurate and misleading. Please help get them out of my report by investigating them and seeing the inaccuries in the report. I am asking for proof about the reports and I havent got any. I appreciate your help.
02/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • TX
  • 75238
Web
My name is XXXX XXXX and I didn't authorize none of these companies to run my credit for any car I doesn't have no car I haven't tried to go get a car I see the companies ran my credit without my permission plz help me get my credit back right thanks ...
08/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76039
Web
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.
03/13/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 30122
Web
Consumer portfolio services inc has sued me for a balance due on my car, i was in an accident and the person had no insurance, they got a check for half of the amount from the insurance. I have been severely affected by XXXX XXXXXXXX and the accident.
08/17/2021 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
  • NC
  • 281XX
Web
I did not authorize none of the following inquiries on my credit report and I do not recognize them. XXXX XXXX Consumer Portfolio Services XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29607
Web
I received an alert/alerts on XX/XX/2023 that I had an hard inquiry from XXXX XXXX, consumer portfolio and other financial companies regarding a hard inquiry that I did not authorize. I need them removed immediately as I didnt authorize the inquiry.
07/23/2019 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
  • NC
  • 28269
Web
I pulled my XXXX & XXXX credit reports and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
02/19/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23464
Web
The name of the Company is XXXX XXXX XXXX the amount they claim is owed is {$10000.00} My name is XXXX XXXX the account number only shows up on partial # XXXX my social security number is XXXX, address is XXXX XXXX XXXX XXXX Virginia XXXX Va XXXX
07/22/2020 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
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
06/03/2020 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
  • AL
  • 36116
Web
I have inquiries on my XXXX report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX credit report
04/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MA
  • 02301
Web
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
01/22/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 481XX
Web
this company has made several threats of harm to my bodily well being has threatened to beat up my ex husbands boss come to my home and kick the door down tried to break in my garage and i dont even have the vehicle i was just a cosigner on it
08/22/2020 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
  • MA
  • 02301
Web
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
08/15/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28504
Web
Date Opened XX/XX/2018 Amount reportedly owed- {$4800.00} This down payment for this vehicle was never paid in full. and for that matter, this account is a fraudulent account. Addresses ', balance, are inaccurate along with other information.
08/22/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • MI
  • 48135
Web
This company full of crooks claim I was late at the end of my loan, to keep my credit bad so I have to keep getting loans with companies like them. I submitted a dispute with the credit agencies and the retaliated against my credit even more.
11/23/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MA
  • 02301
Web
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
12/08/2020 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
  • FL
  • 32712
Web
On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but CPS pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company CPS did a hard inquiry with no authorization.
05/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 44144
Web
I HAVE ALREADY TRIED TO RESOLVE THIS WITH THIS COMPANY YEARS AGO FOR REPORTING THIS TO THE CONSUMER REPORT AND IT HAS BEEN UPDATED THIS YEAR FOR 2023. THIS IS ACCOUNT IS A RESULT OF FRAUD AND I HAD NOT POSSESSION OF THIS CAR PLEASE REMOVE!
02/07/2023 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
  • NC
  • 28273
Web
I recently checked my credit report and saw that CONSUMER PORTFOLIO XXXX located at XXXX XXXX XXXX XXXX XXXX, CAXXXX ran my credit and that inquiry brought my credit report down and I am now concerned that my identity may have been stolen.
07/25/2023 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
  • MD
  • 21122
Web
I have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than XXXX inquiries to be removed. Its be more than 3 months and the inquiries still remain on my credit report.
11/21/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 76542
Web Servicemember
Consumer Portfolio Services. The interest charges does not match what they say it is. It is only corrected when I call every month. If no one calls about it they will take your money without a doubt. Rude customer service. Total rip offs!
06/27/2019 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
  • PA
  • 19026
Web
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
02/07/2023 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
  • NC
  • 28273
Web
I recently checked my credit report and saw that on XX/XX/2022 a company called " CPS '' ran my credit report. I did not authorized this inquiry. This inquiry has lowered my XXXX XXXX and I fear that my identity may have been stolen.
05/18/2021 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
  • 620XX
Web
Consumer Portfolio S Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.
01/08/2020 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
  • IL
  • 60440
Web
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
10/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MA
  • 02474
Web
I have an account with Consumer Portfolio that has been paid since XXXX.2013. The company agreed to remove this account upon me paying it and it still has n't been removed. I would like this account removed it is closed and paid.
09/01/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48235
Web
the debt was bought by another company and they are still reporting as a owed debt. i requested they stop reporting this debt on my credit report. they sold my debt without my knowledge and the vehicle was subsequently repossed.
03/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • RI
  • 02914
Web
Consumer Portfolio Services has reported that my car loan was charged off even though I had made payment arrangements with them. They never disclosed to me that they would charge off the account nor did they notify me about this
09/24/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 23607
Web
My bankruptcy was XXXX in XX/XX/2018. The collection company ( Consumer Portfolio Services , Inc. ) has been contacting and harassing my employment via contact XXXX and my personal phone XXXX about account XXXX. Please help!!!!
06/20/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21207
Web
I purchased a XX/XX/XXXX Nissan Sentra in XX/XX/XXXX for XXXX dollars. My down payment was {$1500.00}. My payment was XXXX. My car was totaled in XXXX XXXX. I paid {$8400.00}. I still owed XXXX. The interest rate is ridiculous.
02/01/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 19120
Web
I.m request for a loan Deferment on my account to get a grace period to get caught up on my account to bring it current but i.m falling back in hardship but i.m current request this loan Deferment... customer need help ....
05/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AL
  • 366XX
Web Servicemember
Consumer portfolio sold the account in my name to another company after repossessing the car and selling it. The car was repossessed the year ofXX/XX/XXXXand the account was sold the company number it was sold to is XXXX.
07/05/2023 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
  • IA
  • 50131
Web
This was ran without my consent from XXXX XXXXXXXX XXXX XXXX ( rep ) sent out letters quote to ask them to remove from my profile and I've called and nothing happened still effecting my and scoring needed removed asap
10/26/2021 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
  • TX
  • 75503
Web
I gave rhino motors my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.
04/17/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 18951
Web Servicemember
I filed a police report for identity theft called and talked to the company about this debt company agreed to removed after providing them with proof such as current address and police report I did so and didnt remove
02/27/2020 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
  • TX
  • 75070
Web
i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.
07/14/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • XXXXX
Web Servicemember
I currently have a past due auto loan with Consumer Portfolio Services ; I am currently behind on payments due to the decrease in work hours which puts me in the position to make the auto loan payments unaffordable.
11/04/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85392
Web
Have several previous cases regarding this company and they never responded to the last update. I am not receiving daily calls after they assured me in writing that my account was place on a complete call block.
11/15/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Loan balance remaining after the vehicle is repossessed and sold
  • PA
  • 19120
Web
The amount owned {$1800.00} but in hardship unable to pay this full amount to get the vehicle back... ..due to Financial hardship job lose wages government ... ..and want to dispute this amount {$1800.00}...
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70065
Web
Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores anD RIGHTS AS A CONSUMER
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • XXXXX
Web
I didnt apply for credit for a car loan with any of these companies or give anyone my permission to run my credit as a hard inquiry. XXXX XXXX on XX/XX/, XXXX XX/XX/XXXX and Consumer Portfolio on XX/XX/
10/29/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85282
Web
I called on XX/XX/XXXX and scheduled a payment for XX/XX/XXXX. The payment disclosure was read to me and confirmed as XX/XX/XXXX. My payment was drafted on XX/XX/XXXX when it wasnt authorized on that day.
05/05/2023 No
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 50701
Web
In the divorce it states that my ex husband is to have the account solely in his name also the past due amount is wrong and I have sent them paperwork to prove that there should be nothing left to pay.
02/23/2023 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
  • 10301
Web
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
06/01/2017 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
  • MD
  • 212XX
Web
I have co ntacted Consumer Portfolio Services regarding an inquiry. My request was very specific but the company respon ded as if they could not understand. They also did not provide any authorization.
12/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48235
Web
On XX/XX/2022 a hard inquiry was listed from XXXX XXXX Ive made several attempts to call the company for proof of reporting information however I was put on hold and this situation was never resolved.
08/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48075
Web
This account has been charged off and the debt is no longer a debt as it has been written off by the company. Ive requested the 1099 for this and have been ignored. this is a violation of the Fcra.
06/08/2022 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
  • CA
  • 903XX
Web
I went to the dealership for a new car and I picked out a XXXX. They told me they would run my credit under XXXX lenders only. Days later I saw a XXXX inquiries I didnt approve of. They lied to me.
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 62702
Web
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.
04/19/2022 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
  • NC
  • 28205
Web
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
01/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60016
Web
consumer portfolio services says I owe them XXXX when I do not have this loan with them and all there money was returned to them I have proof from the car dealer after the dealer sold me a lemon.
11/23/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 547XX
Web
Consumer portfolio services calls repeatedly thoughout the day within 10 minutes of the previous call. I understand a debt is owed but I feel the number of calls per day is considered harassment
03/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19148
Web
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.
10/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 92108
Web Servicemember
My loan is almost paid off my payoff amount as of XX/XX/21 is {$1600.00} while my principle balance is {$910.00}. I am being charged excessive fees and have been through the life of the loan.
04/08/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48075
Web
I sent a Cease and desist letter that was certified mail delivered on XX/XX/2021. Since XX/XX/2021 I have received 8 phone calls and 2 emails, in regards to collecting supposedly owed debt.
11/01/2019 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
  • MA
  • 02302
Web
This shouldn't have any balance since this is collection. Balance : {$10000.00} {$10000.00} {$10000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff
01/26/2017 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called after sent written cease of comm
  • NC
  • 28625
Web
Received cease and desist letter from them showing they would n't call called this Wednesday made numerous attempts through email to fix problem only response back from them is plz call
03/31/2022 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
  • IN
  • 46226
Web
I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respon
04/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10306
Web
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22309
Web
LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens mo. 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
10/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30252
Web
I noticed unauthorized inquiries on my report which comes from identity theft. I filed a complaint with identity theft.gov and my FTC Identity Theft report reference number is XXXX.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 650XX
Web
I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX credit report/credit inquiries that i did not authorize.
10/26/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60607
Web
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.
01/27/2023 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 53545
Web Servicemember
They repeatedly keep XXXX calling and spoofing their caller id, contact my references telling them im delinquent and give private information out and threaten with other tactics.
12/07/2021 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
  • MD
  • 21239
Web
XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this
10/18/2021 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NV
  • 891XX
Web
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
04/29/2018 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
  • FL
  • 32738
Web
I turned XXXX and I had no credit I was purchased a vechile through a authorized dealer and they ran my credit multiple times knowing I had no credit I was a co under my mother
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TN
  • 37209
Web
The car with CPS was repossessed after XXXX XXXX bankruptcy they sold the care settled the debt. I don't owe the charged off balance due. I want to dispute this off my record
07/30/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 278XX
Web
I have received several phone calls from various numbers from this company. The last inappropriate call was received at XXXX on a Sunday. I do not owe this company any money.
04/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • RI
  • 02914
Web
consumer portfolio services told my insurance company when i got involved in a accident that i defaulted on my loan and the loan was charged off because of delinquent payment
03/26/2019 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
  • 33712
Web
Received my credit report and inquired about the inquiries to the credit bureau, they explained to me that I need to speak with company, I sent out letters and no response.
12/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NY
  • 11413
Web
Account name Consumer Portfolio Svc Account number XXXX XX/XX/XXXX was opened XX/XX/XXXX was closed and paid off Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX No phone number
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91601
Web
XX/XX/2022, Consumer Portfolio ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken.
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
  • 60409
Web Servicemember
After multiple telephone calls in XXXX and XXXX, 2020, Consumer Portfolio Services ( CPS ) continues to report inaccurate information to each of the three credit bureaus.
11/06/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 700XX
Web
CPS, validated my rights by unauthorized permission on the date of XX/XX/2022 pulled an inquiry on my report.They are not complaining with The Fair Credit Reporting Act.
08/04/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21220
Web
I pulled my credit report and there was an account from consumer portfolio which I never had I have made several attempts to get this resolved but nothing has been done.
08/19/2021 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
  • CA
  • 949XX
Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NY
  • 10940
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX No phone # available Reason : Auto Loan Duration : this inquiry is scheduled to continue on record until XX/XX/202XXXX XXXX
11/11/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19134
Web
I have email and spoke to consumer portfolio services about getting a copy of my contract but i'm keep being denied I'm not sure if they even have a contract with me
01/29/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19144
Web
I have tried to get this account taken care of. The company hasn't responded to any of my requests. This vehicle supposably sold in an auction. The balance is false.
03/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48091
Web
My daughter is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. XXXX XXXX 2020
04/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19139
Web
i am a victim of identity theft and i did not authorize these companies with written consent to report anything on my credit report. no consent is identity theft.
02/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90023
Web
There is a hard inquiry in my credit report that I would like to have removed. I didnt authorize for this loan and would like to get this hard I quietly removed.
03/25/2021 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
  • AZ
  • 85210
Web
this is not a duplicate your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
05/18/2019 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
  • PA
  • 17055
Web
Sent letters via certified to company regarding Hard Inquiry on credit file. Client refuses to submit via mail response to hard inquiry placed on credit report.
05/04/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • GA
  • 30088
Web
Ive paid on my XXXX car loan t o CPS for over 3years at XXXX and they say I still owe XXXX please overlook my situation I believe I am being frauded. .
08/25/2020 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
  • TX
  • 77479
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigations results.
07/25/2023 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
  • MD
  • 21122
Web
I have requested several times for this unauthorized inquiry to be removed from my credit report. I did not authorize anyone or any company to pull my credit
06/18/2021 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
  • GA
  • 30083
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/12/2021 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
  • Was not notified of investigation status or results
  • PA
  • 19143
Web
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.
03/01/2021 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
  • PA
  • 15221
Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
03/01/2021 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
  • PA
  • 152XX
Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
03/17/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • MO
  • 641XX
Web Servicemember
They call my cell phone while Im at work and dont leave messages. They call from multiple numbers. Now they are calling me at XXXX! This is ridiculous!
10/24/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22204
Web
There is an old outdated item listed which I feel is past the statute I disputed and requested validation and nothing has been received. Please help me
08/06/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21208
Web
I 've recently financed a vehicle and the loan company is charging me more interest than agreed upon. The interest is more than the actual loan amount.
03/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • XXXXX
Web
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
09/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • IN
  • 46307
Web Servicemember
On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX to fix this and they would not help
12/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19120
Web
I.m dispute error on my credit report with XXXX XXXX Dayes pass due with company Consumer Portfolio service.i disagree..need to be correct .....
01/09/2019 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
  • MO
  • 63033
Web Older American
An inquiry appears on my XXXX Credit Report that I did not authorize. Consumer Portfolio Services refused to remove the inquiry on XX/XX/2019.
02/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63118
Web
On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.
07/02/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • GA
  • 310XX
Web
I was out on medical leave and had a hard time paying my vehicle loan and explained all this to company and was harrased about repossession
12/02/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TN
  • 38125
Web
The companies are reporting inaccurate information that is not mine. I am having difficulty in normal everday life because of this.
10/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 173XX
Web
I have no knowledge of the following account Consumer Portfolio Serv. Please investigate to ensure there is no fraudulent activity.
05/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22304
Web
XX/XX/2022 I experienced financial hardship because I had XXXX and was unable to work. I was late making payments on my account.
01/13/2023 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
  • PA
  • 19134
Web
Late payment remarks by consumer portfolio services and XXXX XXXX without consent. They need to be removed for privacy reasons.
05/27/2022 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
  • 33028
Web
I have some credit inquiries that I do not recognize. They were informed only on XXXX bureau Consumer Portfolio Services - XXXX
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30052
Web
I have several inquiries on my credict report that was not submitted by me and because of this its affecting my credit score!!
04/09/2019 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
  • NJ
  • 07042
Web
UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX DATE OF INCIDENT XX/XX/2017 NAME OF THE COMPANY CONSUMER PORTFILIO S
02/13/2019 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
  • MD
  • 210XX
Web
I have absolutely no idea who these agencies are that are reporting on my credit report ; did not ask any of them to report.
09/22/2022 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
  • PA
  • 19018
Web
I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number
10/04/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 075XX
Web
A claim was filed on XX/XX/2016 against me in the amount of {$9200.00}. I repeatedly get phone calls regarding this matter.
06/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 07002
Web
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014
06/19/2023 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
  • 85282
Web
I only applied for one credit application and now I have 14 hard inquiries that I have no knowledge of or have my consent
04/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 10306
Web
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company
06/12/2017 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
  • 64030
Web
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
08/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 452XX
Web
I see many hard inquiries on my credit report that I did not authorize. I have not applied for or requested any credit.
04/26/2022 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
  • PA
  • 19140
Web
Hi I see 5 hard inquiries that dont belong to me They are unauthorized this is not my account I had lost my license..
10/19/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20720
Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
08/29/2019 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
  • PA
  • 17055
Web
Consumer Port Svc. ha8s placed an hard inquiry on credit file on XX/XX/2018. Inform company inquiry was unauthorized.
07/25/2023 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
  • MD
  • 21122
Web
I did not authorize any one to pull my credit. I did not apply for an auto loan. I am the victim of identity theft
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36303
Web
I don't recognize the inquiries so I couldn't explain, I just know their causing damages to my credit worthiness
02/21/2018 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
  • MO
  • 63118
Web
I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 532XX
Web
Unauthorized Hard Inquries XXXX. XXXX XXXX XXXX XXXX, XXXX ph # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX ph # XXXX
10/16/2020 No
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OH
  • 44483
Web
Consumer portfolio service is leaving my mom voicemails stating they want to repo my car. His name is XXXX
06/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70127
Web
Cosumer portfolio Svc XXXX XX/XX/2016 {$13000.00}. This accounts is an result of fraud. please investigate
01/19/2023 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
  • 631XX
Web
There's a credit report on my score I'd like to dispute it under the XXXX XXXX XXXX And XXXX XXXX XXXX
01/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43230
Web Older American
On XX/XX/XXXX XXXX XXXX paid off this loan please remove it from my credit. This has been paid in full
04/18/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 937XX
Web
This account was opened by my ex-wife and it 's showing up on my credit file and ruining my credit.
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75052
Web
This account is outdated and I have ask the creditor and the credit bureau to correct this matter.
03/31/2021 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
  • GA
  • 317XX
Web
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
03/02/2021 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
  • GA
  • 317XX
Web
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
03/09/2023 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
  • 90069
Web
I checked my credit report and saw all these inquiries in one day and other I did not recognize.
03/17/2022 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
  • TX
  • 752XX
Web Servicemember
Didnt authorize credit pull only asked for rough numbers and did not authorize dealership rep
01/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77090
Web
A LETTER TO HAVE THESE INACCURATE INQUIRIES WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.
06/02/2019 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
  • AR
  • 72712
Web
I WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37876
Web
On XX/XX/2022 consumer portfolio pulled my credit report without my knowledge or approval
08/16/2021 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
  • NC
  • 278XX
Web
XXXX through XX/XX/2019 numerous creditors pulled credit report without written consent.
10/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NH
  • 03079
Web
The company is taking 3/4 of of my payments every month and paying of the interest first
01/05/2023 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
  • VA
  • 23324
Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
12/28/2022 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
  • VA
  • 23324
Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
07/28/2022 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
  • TX
  • 78148
Web
Do not recognize these companies that pulled a hard credit check without my permission!
03/16/2022 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
  • GA
  • 30252
Web Servicemember
XXXX was the dates. Hours between XXXX p.m. Phone calls was made to creditors and XXXX.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 38115
Web
I was a victim of this data breach and I would for this account be deleted immediately
03/17/2021 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
  • MD
  • 20723
Web
Creditor access my credit report with a hard inquiry without my knowledge or consent
08/06/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08104
Web
I recently got a copy of my credit report and noticed this debt on my credit report.
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60621
Web
showing account is a charge off when it was included in a bankruptcy from co*signer
07/06/2019 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
  • GA
  • 30114
Web
this company pulled my credit twice in one day without my authorization or consent
07/11/2023 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
  • NC
  • 27870
Web Older American
Consumer portfolio services refuses to remove from credit report. Identity proof.
07/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 17022
Web
As of XX/XX/2022 this car has been paid off and the title for it was sent to me.
12/10/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • CA
  • 92345
Web
This inquiry is evidence that this company used my credit without my consent.
10/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28208
Web
I did not authorize these hard inquiries appearing on my XXXX credit report.
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44122
Web
I have no relationship with this company and did not authorize this inquiry.
05/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32218
Web
I have a fraudulent account on my credit report that I have never heard of.
09/26/2020 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
  • PA
  • 19130
Web
Consumer portfolio services is on my credit reports please remove at once!
07/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20785
Web Servicemember
Consumer Portfolio is show a charge off on my report and that is incorrect
10/16/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 94621
Web Servicemember
This company has called repeatedly. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
05/17/2017 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
  • GA
  • 30241
Web
XXXX / XXXX / 16 Called credit bureau to try to have inquiries removed
04/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 731XX
Web
trying to collect money from me from an account that was open as fraud
06/12/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • KY
  • 40324
Web
This item was already removed once. This company refuses to reconcile.
10/25/2021 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
  • 32065
Web
I have reached out to all of these company 's and they will not help.
09/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 711XX
Web
Several date on credit report have inquires that I didnt not approve
04/25/2022 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
  • NC
  • 27616
Web
Hard inquiry appeared on my credit report report without my consent
12/23/2018 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
  • MD
  • 21234
Web
Consumer portfolios XX/XX/2018 unknown inquiring on credit report.
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48309
Web
I got so many hot inquires most of those I do not recognize those
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CT
  • 06051
Web
I did not give my consent for these companies to use my credit
03/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98042
Web
The company is in violation of multiple far credit act rights.
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 761XX
Web
Companys reported to my credit without permission thats fraud
09/03/2021 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
  • CA
  • 90805
Web
My credit has been pulled fraudulently. Please remove inquiry
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48185
Web Servicemember
Unauthorized inquiry on my credit report I did not authorize
02/10/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60435
Web
My identity was compromised due to my purse being stolen.
01/12/2023 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
  • VA
  • 225XX
Web
Company pulled my credit report without my authorization
04/27/2022 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
  • CA
  • 94303
Web
I have inquiries that I did not authorize or approve of.
05/07/2023 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
  • 33313
Web
the person that answer the phone didn't wan na help me
11/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30052
Web
There are unauthorized businesses on my credit report.
05/05/2023 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
  • 60411
Web
My information has to be being used witout my consent
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 245XX
Web Servicemember
I didnt apply for any services with this company.
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33130
Web
i didnt do credit inquiries with this companies.
02/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 33034
Web
XX/XX/2012, {$8900.00} ... incorrect information
12/09/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • IL
  • 62703
Web
At was a XXXX XXXX XXXX it was in my bankruptcy
01/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92407
Web
Invalid Information Reporting to Credit Bureaus
12/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 388XX
Web
I have unauthorized inquiries own my report.
10/20/2017 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
XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires
01/06/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • MN
  • 55408
Web
Unauthorized inquiry and/or unknown company
03/20/2023 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 Servicemember
UnAuthorized Inqueries on my credit report
12/13/2022 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
  • AL
  • 367XX
Web Servicemember
I didnt authorize anyone to run my credit
09/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 650XX
Web
i find unapproved inquiries on my report
11/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92240
Web
I didnt authorize those XXXX inquiries
04/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 441XX
Web
Using information with out permission
01/10/2023 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
  • 92509
Web
I dont recognize this credit inquiry
03/09/2021 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
  • MO
  • 641XX
Web
Credit inquire does not belong to me
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • XXXXX
Web
I don't recognize this transaction
07/21/2023 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
  • MS
  • 393XX
Web
Inquires that were not Authorized
10/19/2022 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
  • GA
  • 30518
Web
Did not authorize. Please remove.
10/14/2022 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
  • NY
  • 11226
Web
I never applied for any Auto Loan
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • AL
  • 363XX
Web
Don't have no knowledge of this
01/31/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 389XX
Web
inquires on my credit reports.
11/14/2020 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
  • AL
  • 364XX
Web
Im a victim of identity theft
09/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08234
Web
fraud inquires on report
11/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MN
  • 55432
Web
the car was stolen
02/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30213
Web
02/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60620
Web
02/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11704
Web
01/31/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • TX
  • 77084
Web
01/31/2024 Yes
  • Debt collection
  • Auto debt
  • Electronic communications
  • You told them to stop contacting you, but they keep trying
  • NJ
  • 08550
Web
01/29/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Loan opened without my consent or knowledge
  • PA
  • 19145
Web
01/27/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30013
Web Servicemember
01/25/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19140
Web
01/25/2024 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97030
Web Servicemember
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63011
Web
01/24/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • CA
  • 92392
Web
01/23/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 620XX
Web
01/23/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 78641
Web
01/21/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60409
Web
01/21/2024 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • IA
  • 528XX
Web
01/21/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46222
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30013
Web
01/19/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • LA
  • 71459
Web Servicemember
01/18/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 94014
Web
01/17/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20708
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 77019
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 15208
Web
01/07/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 708XX
Web
01/07/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Damage caused or loss of personal items in vehicle during the actual repossession
  • OK
  • 741XX
Web
01/06/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60409
Web
01/06/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75182
Web
01/05/2024 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85139
Web
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37918
Web
01/02/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • XXXXX
Web Servicemember
12/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33805
Web
12/30/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Company explaining amount owed
  • PA
  • 19120
Web
12/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60409
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92394
Web
12/28/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30906
Web
12/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84020
Web
12/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78653
Web
12/22/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • OH
  • 45240
Web
12/21/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 170XX
Web
12/20/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Voluntary repossession
  • FL
  • 33417
Web
12/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89108
Web
12/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33803
Web
12/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 43224
Web
12/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60623
Web
12/18/2023 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MD
  • 21237
Web Servicemember
12/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94572
Web
12/17/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IN
  • 46254
Web Servicemember
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77494
Web
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77494
Web
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92283
Web
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07764
Postal mail
12/13/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08053
Web Servicemember
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60098
Web
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30273
Web
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94605
Web
12/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 17113
Web
12/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19149
Web
12/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38115
Web
12/01/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Loan opened without my consent or knowledge
  • TX
  • 76063
Web
12/01/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76063
Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45229
Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75104
Web
11/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • DC
  • 20019
Web
11/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MD
  • 20747
Web
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33004
Web
11/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27910
Web
11/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33032
Web
11/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90029
Web
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32306
Web
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93619
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90012
Web
11/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43229
Web
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48204
Web
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 93041
Web
11/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CT
  • 06051
Web
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32333
Web Servicemember
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28262
Web
11/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78717
Web
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77406
Web
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30281
Web Servicemember
10/28/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Loan opened without my consent or knowledge
  • MI
  • 48080
Web
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 21221
Web
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30228
Web
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21244
Web
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48116
Web
10/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31709
Web
10/19/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33415
Web
10/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85326
Web
10/16/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89166
Web
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28144
Web
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34711
Web
10/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33179
Web
10/13/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OH
  • 45240
Web
10/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OK
  • 73120
Web Servicemember
10/09/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48204
Web Servicemember
10/06/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30331
Web
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30052
Web
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • GA
  • 30038
Web
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36832
Web
09/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19013
Web
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63118
Web Servicemember
09/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MN
  • 55116
Web
09/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IN
  • 46224
Web
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19152
Web
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60504
Web
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77640
Web
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27617
Web
09/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33168
Web
09/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91324
Web
09/14/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • WA
  • 99212
Web Older American, Servicemember
09/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60173
Web
09/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20785
Web
09/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11235
Web
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 39530
Web
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32771
Web
09/10/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Lender trying to repossess or disable the vehicle
  • MO
  • 63102
Web
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28390
Web
08/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53704
Web
08/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85719
Web
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23453
Web
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94123
Web
08/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77584
Web
08/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45342
Web
08/25/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • WI
  • 53227
Phone
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33584
Web
08/17/2023 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
  • NC
  • 28803
Web
08/17/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • IL
  • 62220
Web
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • VA
  • 231XX
Web
08/16/2023 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 08107
Web
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91950
Web
08/16/2023 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
  • 11235
Web
08/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92703
Web
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27330
Web
08/11/2023 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
  • 60504
Web
08/11/2023 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
  • VA
  • 22033
Web
08/10/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 13088
Phone
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32119
Web
08/03/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • NC
  • 28376
Web Servicemember
08/02/2023 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
  • OH
  • 45069
Web
08/01/2023 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
  • 77056
Web
07/29/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • WA
  • 98226
Web Older American
07/28/2023 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
  • 640XX
Web
07/28/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33569
Web
07/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 33487
Web
07/23/2023 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
  • 60458
Web
07/21/2023 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
  • GA
  • 30008
Web
07/19/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MO
  • 63102
Web
07/17/2023 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
  • OH
  • 43201
Web
07/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11553
Web
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 76134
Web
07/14/2023 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
  • 85719
Web
07/12/2023 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
  • 33319
Web
07/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77012
Web
07/10/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CO
  • 80108
Web
07/09/2023 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
  • 349XX
Web
07/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77459
Web
07/07/2023 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
  • 33584
Web
07/07/2023 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
  • NC
  • 28277
Web
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19111
Web
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NC
  • 27870
Web Older American
07/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27330
Web
07/01/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43608
Web
06/23/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • OH
  • 43064
Web
06/23/2023 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
  • VA
  • 23324
Web
06/22/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 97266
Web
06/20/2023 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
  • PA
  • 180XX
Web
06/16/2023 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
  • 32835
Web
06/11/2023 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
  • PA
  • 19139
Web
06/10/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32220
Web Older American
06/09/2023 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 73044
Web
06/07/2023 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
  • 34609
Web Servicemember
06/05/2023 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
  • TN
  • 37013
Web
06/01/2023 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
  • KS
  • 66062
Web
05/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63110
Web
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23225
Web Servicemember
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • NY
  • 10040
Web
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19139
Web
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • HI
  • XXXXX
Web Servicemember
05/22/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • CO
  • 80645
Web
05/22/2023 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
  • 63110
Web
05/22/2023 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
  • 94590
Web
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33441
Web
05/17/2023 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
  • 75039
Web
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07601
Web
05/15/2023 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
  • 33441
Web
05/14/2023 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
  • 34761
Web
05/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11550
Web
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28105
Web Servicemember
05/12/2023 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
  • 33756
Web
05/10/2023 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
  • VA
  • 22407
Phone Older American, Servicemember
05/09/2023 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
  • 91977
Web
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • VA
  • 23669
Web
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • AL
  • 351XX
Web
05/04/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IL
  • 62702
Web
04/27/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • WA
  • 992XX
Web Servicemember
04/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22801
Web Servicemember
04/26/2023 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
  • 78741
Web
04/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77356
Web
04/24/2023 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
  • 32669
Web
04/15/2023 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
  • KS
  • 67207
Web
04/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 38737
Web Servicemember
04/11/2023 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
  • NC
  • 28376
Web
04/11/2023 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
  • MS
  • 38619
Web
04/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NE
  • 68516
Phone
04/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29483
Web
03/31/2023 No
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • MD
  • 21030
Web
03/30/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NE
  • 68124
Web
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43201
Web
03/25/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • SC
  • 29009
Web
03/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21237
Web
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75205
Web
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31709
Web
03/16/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85204
Web
03/15/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 95630
Web
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29418
Web Servicemember
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44121
Web
03/09/2023 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
  • 33760
Web
03/08/2023 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
  • NC
  • 28270
Web
03/08/2023 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
  • 60173
Web
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20017
Web
03/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 94513
Web
03/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28306
Web Servicemember
02/28/2023 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
  • MA
  • 02169
Web
02/27/2023 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
  • 60623
Web
02/23/2023 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
  • 93280
Web
02/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46235
Web
02/16/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • DE
  • 19720
Web Servicemember
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08260
Web Servicemember
02/06/2023 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
  • 92618
Web
02/06/2023 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
  • 10456
Web
02/06/2023 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
  • 94531
Web
02/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27051
Web
02/04/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NJ
  • 07095
Web
02/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89032
Web
02/02/2023 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
  • 60626
Web
02/01/2023 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
  • 33421
Web Servicemember
01/31/2023 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
  • GA
  • 30907
Web
01/24/2023 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
  • OH
  • 44052
Web
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • OH
  • 44128
Web
01/16/2023 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
  • 92056
Web
01/13/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • MN
  • 55069
Web
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11784
Web
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11784
Web
01/10/2023 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
  • 92056
Web
01/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43230
Web
01/10/2023 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
  • 92129
Web
01/09/2023 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98444
Web
01/09/2023 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
  • KY
  • 402XX
Web
01/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63031
Web
01/06/2023 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
  • PA
  • 15205
Web
12/28/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • IN
  • 46235
Web
12/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70058
Web
12/27/2022 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
  • CA
  • 90012
Web
12/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44127
Phone
12/19/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30288
Web
12/19/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • MO
  • 63137
Web
12/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19144
Web
12/11/2022 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 33614
Web Servicemember
12/07/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60115
Web
12/07/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • MI
  • 48125
Web
12/07/2022 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
  • MD
  • 21217
Web
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33019
Web
12/05/2022 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
  • FL
  • 34602
Web
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77082
Web
12/01/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TN
  • 37660
Web
12/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 01001
Web
11/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 92407
Web
11/21/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • High-pressure sales tactics
  • MN
  • 55106
Web
11/19/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 283XX
Web
11/18/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • TX
  • 75401
Web
11/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 20109
Web
11/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95206
Web
11/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • XXXXX
Web
11/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60458
Web
11/05/2022 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
  • CA
  • 95838
Web
11/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92102
Web
11/02/2022 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
  • AZ
  • 85041
Web
10/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46229
Web
10/27/2022 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
  • AL
  • 36870
Web
10/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23606
Web
10/24/2022 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
  • FL
  • 33166
Web
10/20/2022 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
  • OH
  • 45212
Web
10/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11550
Web
10/09/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23452
Web
10/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77016
Web
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 92407
Web
10/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19018
Web
09/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48021
Web Servicemember
09/29/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 92505
Phone
09/26/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TN
  • 37660
Web
09/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32065
Web
09/21/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91387
Web
09/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08401
Web
09/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OH
  • 44120
Web
09/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94608
Web
09/13/2022 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
  • NY
  • 11374
Web
09/13/2022 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
  • NY
  • 11374
Web
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21229
Web
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23325
Web
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95240
Web
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21229
Web
08/24/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • PA
  • 19438
Web
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78550
Phone
08/18/2022 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
  • Was not notified of investigation status or results
  • MI
  • 48212
Web
08/15/2022 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
  • PA
  • 15221
Web
08/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • GA
  • 30296
Web
08/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30296
Web
08/13/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • OH
  • 44120
Web
08/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93940
Phone
08/09/2022 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
  • 60628
Web Servicemember
08/09/2022 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
  • 60628
Web Servicemember
08/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70543
Web
08/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19119
Web
07/27/2022 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
  • 60107
Web
07/23/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36608
Web
07/16/2022 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
  • TX
  • 77014
Web
07/15/2022 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
  • OH
  • 43326
Web
07/14/2022 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
  • 60649
Web
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31061
Web
07/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36576
Web Servicemember
07/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70543
Web
07/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 31061
Web
07/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 32256
Web
06/30/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • OH
  • 44131
Web Servicemember
06/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30349
Web
06/30/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 32256
Web
06/24/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19460
Web
06/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33309
Phone
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21220
Web
06/18/2022 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
  • PA
  • 19090
Web
06/14/2022 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
  • 60629
Web
06/10/2022 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
  • FL
  • 33141
Web
06/10/2022 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
  • 60107
Web
05/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30022
Referral
05/24/2022 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
  • OH
  • 43235
Web
05/16/2022 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
  • KY
  • 40121
Web Servicemember
05/16/2022 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
  • GA
  • 30253
Web
05/13/2022 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
  • IN
  • 46201
Web
05/12/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • WI
  • 53217
Phone
05/10/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98424
Phone
05/09/2022 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
  • FL
  • 33351
Phone
05/04/2022 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
  • FL
  • 32771
Web
05/04/2022 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
  • FL
  • 33572
Web Servicemember
05/04/2022 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
  • NJ
  • 07503
Web
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 40065
Web
04/26/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • TN
  • 37323
Phone Older American
04/20/2022 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
  • WA
  • 98012
Web
04/07/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • KY
  • 40121
Web Servicemember
04/04/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30022
Web
03/31/2022 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
  • CA
  • 92066
Web
03/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11735
Web
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30350
Web
03/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75243
Postal mail
03/28/2022 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
  • NY
  • 11223
Web
03/22/2022 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
  • IN
  • 46226
Web
03/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27301
Referral
03/05/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CA
  • 94127
Web
03/03/2022 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
  • TX
  • 75068
Web
03/03/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • MI
  • 48439
Phone Servicemember
02/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43068
Web
02/27/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • KY
  • 40121
Web Servicemember
02/27/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • TX
  • 79904
Web Servicemember
02/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02188
Web
02/21/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 35633
Web
02/19/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46214
Referral
02/18/2022 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 71753
Phone
02/07/2022 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
  • AZ
  • 85032
Web
02/04/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93657
Web
02/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44120
Web
01/31/2022 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
  • Was not notified of investigation status or results
  • GA
  • 31093
Web
01/30/2022 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
  • GA
  • 31093
Web
01/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92586
Web
01/28/2022 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
  • MI
  • 48917
Web
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77407
Web Servicemember
01/21/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 90039
Web
01/21/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • PA
  • 19150
Web
01/20/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19131
Web
01/19/2022 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
  • NY
  • 12550
Web
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20748
Postal mail
01/15/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 39158
Web
01/09/2022 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
  • CA
  • 93722
Web
01/07/2022 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
  • 62207
Web
01/05/2022 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
  • IN
  • 47909
Web
01/05/2022 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
  • IN
  • 47909
Web
12/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60156
Phone Older American
12/27/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06810
Web
12/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • IA
  • 51503
Web
12/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46224
Phone Servicemember
12/17/2021 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
  • GA
  • 30141
Web
12/08/2021 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
  • WI
  • 53719
Web
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08109
Web
11/30/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 92115
Web Servicemember
11/29/2021 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
  • IL
  • 60517
Web
11/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44221
Web
11/23/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • FL
  • 33351
Web Older American
11/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08109
Web
11/16/2021 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
  • PA
  • 15025
Web
11/14/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21703
Web
11/11/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30213
Web
11/08/2021 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
  • IN
  • 46062
Web
11/06/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20602
Web
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78727
Web
10/29/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MA
  • 02301
Web
10/27/2021 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
  • GA
  • 30253
Web
10/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07508
Web
10/13/2021 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
  • TX
  • 75243
Web
10/07/2021 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
  • TX
  • 76013
Web
10/07/2021 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
  • NY
  • 11746
Web
10/05/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 35044
Web
09/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21133
Web
09/18/2021 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
  • MO
  • 63034
Web
09/09/2021 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
  • AR
  • 724XX
Web
09/04/2021 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
  • TX
  • 78227
Web
09/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02324
Web
08/27/2021 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
  • NV
  • 89136
Web
08/25/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AZ
  • 85338
Web Older American
08/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08861
Web
08/18/2021 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
  • NY
  • 11370
Web
08/09/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • DE
  • 19805
Web
08/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91423
Web
08/04/2021 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
  • NY
  • 11370
Web
08/03/2021 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
  • 33881
Web
08/03/2021 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
  • NY
  • 11235
Web
08/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77011
Web
07/31/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • PA
  • 19116
Web
07/30/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 20747
Web
07/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23464
Web
07/27/2021 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
  • NY
  • 11370
Web
07/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • RI
  • 02893
Web
07/21/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • PA
  • 19116
Web
07/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78665
Web Servicemember
07/06/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60652
Web
07/03/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89147
Web Servicemember
07/02/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TN
  • 38018
Web
07/01/2021 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
  • CA
  • 92630
Web
06/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32277
Web
06/14/2021 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
  • NC
  • 27410
Web
06/13/2021 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
  • AL
  • 35907
Web
06/07/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 92509
Web
06/05/2021 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
  • MO
  • 65401
Web Servicemember
06/04/2021 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
  • GA
  • 31721
Web
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23704
Web
05/31/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • AZ
  • 85282
Web
05/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98501
Web
05/25/2021 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
  • TX
  • 76134
Web
05/25/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 28304
Web Servicemember
05/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78667
Web
05/20/2021 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
  • OK
  • 73505
Web
05/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • MI
  • 48174
Phone
05/05/2021 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
  • VA
  • 23875
Web
05/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23704
Web
04/30/2021 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
  • WA
  • 98424
Web
04/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19104
Web
04/27/2021 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
  • VA
  • 22508
Web
04/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30096
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
  • 60104
Web
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30058
Web
04/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • 20032
Web
04/07/2021 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
  • PA
  • 19151
Web
04/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23702
Web
04/04/2021 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
  • 60438
Web
04/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
04/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38114
Web
04/01/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • FL
  • 32256
Phone
03/21/2021 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
  • CA
  • 92627
Web Servicemember
03/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33617
Web
03/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30058
Web
03/16/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32256
Phone
03/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • OR
  • 97268
Web
03/11/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19104
Web
03/09/2021 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
  • OH
  • 43613
Web
03/09/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 95798
Web
03/09/2021 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
  • MI
  • 48383
Web
03/07/2021 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
  • OH
  • 43613
Web
03/02/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NE
  • 68116
Web
02/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60162
Web
02/26/2021 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
  • OH
  • 44125
Web
02/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78640
Web
02/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33069
Web
02/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30058
Web
02/19/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 23464
Web
02/16/2021 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
  • GA
  • 30096
Web Servicemember
02/10/2021 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
  • VA
  • 23324
Web
02/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
02/05/2021 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
  • TX
  • 75407
Web
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19135
Web
02/05/2021 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
  • TX
  • 77388
Web
01/27/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 22152
Web
01/21/2021 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
  • KY
  • 40729
Web
01/17/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 30102
Web
01/11/2021 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
  • TX
  • 77060
Web
01/09/2021 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
  • 60436
Web
01/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
01/06/2021 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
  • TX
  • 77044
Web
01/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33069
Web
12/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20601
Web
12/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11228
Web
12/14/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11727
Web
12/12/2020 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
  • PA
  • 19002
Web
12/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94501
Web
12/06/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • WA
  • 98382
Web Older American
11/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08004
Referral
11/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60010
Web
11/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • SC
  • 29306
Web
11/13/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MO
  • 63033
Phone
11/08/2020 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
  • KY
  • 40210
Web
11/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70816
Web
11/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 06118
Referral
11/02/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • KY
  • 40272
Web
10/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 06118
Fax
10/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35976
Web
10/20/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20020
Web
10/20/2020 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
  • Their investigation did not fix an error on your report
  • HI
  • 96825
Web
10/16/2020 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
  • PA
  • 19013
Web
10/14/2020 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
  • SC
  • 29466
Web
10/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98382
Web Older American
10/09/2020 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
  • NY
  • 10035
Web
09/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33069
Web
09/14/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23831
Web
09/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19121
Fax
08/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77016
Web Servicemember
08/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75110
Web
08/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NC
  • 28504
Web
08/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37130
Web
07/27/2020 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
  • MD
  • 20602
Postal mail Servicemember
07/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32789
Web Older American
07/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90242
Web
07/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CO
  • 81004
Web
07/19/2020 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
  • GA
  • 30180
Web
07/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44094
Web
07/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • PA
  • 19601
Web Servicemember
07/10/2020 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
  • NC
  • 27410
Web
07/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • AL
  • 36117
Web Older American
06/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30350
Web
06/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AL
  • 35244
Web
06/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • CA
  • 95128
Web
05/31/2020 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
  • OH
  • 44221
Web
05/24/2020 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
  • CA
  • 95901
Web
05/20/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • PA
  • 15671
Web
05/14/2020 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
  • CA
  • 92021
Web
05/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92570
Web
05/04/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30281
Fax
05/03/2020 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
  • Their investigation did not fix an error on your report
  • DE
  • 19734
Web Servicemember
05/03/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • CO
  • 80021
Web
04/27/2020 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
  • 32828
Web
04/26/2020 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
  • NJ
  • 08028
Web
04/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33607
Web
04/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 94547
Web
04/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 15218
Web
04/17/2020 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
  • TX
  • 77459
Web
04/16/2020 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
  • FL
  • 33545
Web
04/13/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30101
Phone
04/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NC
  • 27527
Web
04/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
Phone
03/28/2020 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
  • PA
  • 19111
Web
03/26/2020 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
  • Their investigation did not fix an error on your report
  • CA
  • 95320
Web
03/25/2020 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
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
03/22/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DC
  • 20016
Web
03/19/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 32806
Web
03/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • OK
  • 73106
Web Servicemember
03/04/2020 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
  • IL
  • 60614
Web
03/02/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 171XX
Web
02/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43068
Web
02/24/2020 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
  • PA
  • 19082
Web
02/22/2020 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
  • PA
  • 19082
Web
02/19/2020 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
  • Their investigation did not fix an error on your report
  • NY
  • 11212
Web
02/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IL
  • 61614
Phone
02/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • CA
  • 92223
Postal mail
02/07/2020 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
  • PA
  • 17110
Web
02/07/2020 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
Phone
02/05/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60074
Web Servicemember
02/05/2020 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
  • TX
  • 75243
Web
01/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46815
Fax
01/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WI
  • 53225
Web
01/16/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
Phone
01/15/2020 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
  • FL
  • 33610
Web
01/02/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • AR
  • 72112
Referral
12/16/2019 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
  • OH
  • 44124
Web
12/06/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 21133
Web
11/28/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 64109
Web
11/22/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Reporting company used your report improperly
Phone
11/20/2019 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
  • 77042
Web
11/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76542
Web
11/18/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 14211
Web
11/15/2019 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
  • NJ
  • 08505
Web
11/13/2019 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
  • NJ
  • 08070
Web
11/04/2019 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
  • NJ
  • 08070
Web
10/31/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 22152
Web
10/30/2019 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
  • PA
  • 19007
Web
10/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • NC
  • 28262
Phone
10/17/2019 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
  • PA
  • 17111
Web
10/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77090
Web
10/01/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20706
Web
09/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • MN
  • 55119
Phone
09/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30168
Web
09/17/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93036
Web
09/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • DC
  • 20019
Referral
09/05/2019 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
  • MI
  • 48127
Postal mail
08/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • MA
  • 01841
Web
08/23/2019 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
  • NJ
  • 08009
Web
08/16/2019 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
  • PA
  • 15212
Postal mail
08/15/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • PA
  • 17901
Web Servicemember
08/13/2019 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
  • IL
  • 60610
Web
08/09/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MN
  • 55304
Web
08/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • AR
  • 71665
Phone
08/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • DE
  • 19720
Web
07/20/2019 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
  • AL
  • 35806
Web
07/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
Phone
07/13/2019 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
  • 77630
Web
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
07/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • MN
  • 55072
Web Servicemember
06/17/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OH
  • 44137
Web
06/17/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77498
Web
06/16/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MS
  • 39323
Web Servicemember
06/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 45240
Phone
06/10/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 62269
Phone
06/03/2019 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
  • TN
  • 37214
Web
05/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • CA
  • 95662
Phone
05/28/2019 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
  • LA
  • 70808
Web
05/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • XXXXX
Web Servicemember
04/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46060
Web Servicemember
04/25/2019 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
  • MI
  • 48504
Phone
04/24/2019 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
  • NC
  • 28669
Web
04/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48504
Phone
04/10/2019 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
Phone
04/07/2019 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
  • 33056
Web
04/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IN
  • 47150
Web Older American
03/04/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MD
  • 20764
Web
02/18/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MO
  • 64063
Web
02/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21136
Web
02/11/2019 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
  • 77433
Web
01/30/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • CA
  • 94954
Web
01/20/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31088
Web
01/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78640
Web
01/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46542
Web
01/13/2019 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
  • 33142
Web
12/29/2018 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
  • VA
  • 22152
Web
12/21/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • UT
  • 84003
Web
12/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06606
Web
12/06/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IL
  • 60621
Web
11/20/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78520
Phone
11/08/2018 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
  • IL
  • 60429
Web
11/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23851
Web
10/31/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
Phone
10/26/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60074
Web
10/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55369
Web
10/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • LA
  • 70760
Phone
10/10/2018 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
  • NC
  • 28806
Web
10/09/2018 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
  • 60620
Web
10/02/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • IL
  • 60628
Web
09/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92009
Web
09/03/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • NJ
  • 07060
Web
09/01/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60544
Web
08/31/2018 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
  • KY
  • 40160
Web
08/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10550
Fax
08/20/2018 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
  • 11706
Web
08/17/2018 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
  • OH
  • 43551
Web Servicemember
08/14/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20781
Referral
08/06/2018 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
  • Investigation took more than 30 days
  • MD
  • 20817
Web
07/30/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • 95337
Web
07/20/2018 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
  • MI
  • 48085
Web
07/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • OH
  • 44314
Fax
07/13/2018 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
  • FL
  • 32244
Web
07/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 77095
Postal mail
07/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08752
Fax
06/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60616
Web
06/12/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • AZ
  • 85008
Web
06/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • MO
  • 63121
Web Servicemember
05/30/2018 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
  • KY
  • 40160
Web
05/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CA
  • 92114
Phone
05/22/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IL
  • 60621
Web
05/22/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 12835
Web
05/17/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MD
  • 21207
Web
05/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27828
Web
05/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • MA
  • 01452
Web
04/24/2018 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
  • MD
  • 20785
Postal mail
04/10/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78130
Fax
04/04/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • NJ
  • 07304
Postal mail
03/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
Phone
03/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CA
  • 95014
Web
03/27/2018 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
  • PA
  • 16427
Web
03/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33025
Web
03/22/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33166
Web
03/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • NJ
  • 07601
Referral
03/14/2018 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
  • OH
  • 43017
Web
03/13/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • AL
  • 35057
Web
03/05/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19132
Web
03/04/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • DE
  • 19702
Web
03/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22801
Web
02/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
Web
02/17/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70126
Web
02/13/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21207
Web
02/12/2018 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
  • FL
  • 32504
Web
02/10/2018 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
  • TX
  • 76087
Web
02/05/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19132
Web
01/24/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34748
Web
01/21/2018 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
  • NJ
  • 08021
Web
01/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93551
Fax
11/30/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78250
Fax
11/29/2017 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
  • TX
  • 75104
Web
11/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 74112
Web
11/16/2017 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
  • Their investigation did not fix an error on your report
  • TX
  • 77056
Web
11/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77056
Web
11/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60624
Web
11/07/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60617
Fax
11/07/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • LA
  • 70403
Web
11/03/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
Phone
11/02/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • LA
  • 70126
Web
11/02/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37716
Phone
10/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70126
Web
10/25/2017 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
  • PA
  • 18466
Web
10/20/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • IL
  • 60714
Web
10/11/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 70126
Web
09/27/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • MD
  • 21043
Web
09/22/2017 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
  • GA
  • 30038
Web
09/14/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • PA
  • 19401
Phone
09/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75013
Referral
09/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
Phone
08/30/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
08/09/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29420
Web
08/08/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60123
Fax
07/25/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • KS
  • 67211
Postal mail
07/23/2017 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
  • NC
  • 28213
Web
07/15/2017 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
  • FL
  • 33705
Web
07/07/2017 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
  • WI
  • 53546
Web
06/24/2017 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
  • Their investigation did not fix an error on your report
  • DE
  • 19720
Web
06/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30294
Web
06/21/2017 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
  • TX
  • 77598
Web
06/21/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 32065
Web
05/22/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • DE
  • 198XX
Web
05/19/2017 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
  • KY
  • 40258
Web
05/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 15237
Web
05/15/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • GA
  • 30036
Phone Servicemember
05/12/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OH
  • 45373
Web Servicemember
05/11/2017 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
  • IL
  • 60620
Fax
05/09/2017 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
  • AL
  • 35758
Web
04/25/2017 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21742
Web
04/24/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11434
Web
04/19/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • WA
  • 98272
Web
04/17/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • ND
  • 58703
Web
03/31/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 43512
Web
03/30/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 22554
Web
03/22/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MI
  • 48221
Phone
03/21/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91405
Web
03/21/2017 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called after sent written cease of comm
  • CA
  • 95219
Postal mail
03/20/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Reinserted previously deleted info
  • MI
  • 48214
Web
03/10/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91405
Web
03/08/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 22305
Web
02/27/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
Postal mail
02/24/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20716
Web
02/18/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • OH
  • 44137
Web
02/06/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • GA
  • 30324
Web
02/02/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • KS
  • 66061
Web
02/01/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 20708
Web
01/31/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MI
  • 48021
Postal mail Servicemember
01/18/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 21221
Phone Servicemember
01/13/2017 Yes
  • Mortgage
  • Other mortgage
  • Credit decision / Underwriting
  • TX
  • 75652
Fax
01/11/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60406
Phone Servicemember
12/23/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
Phone
11/29/2016 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
Fax
11/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • KY
  • 42701
Postal mail
11/01/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 27406
Phone Older American, Servicemember
10/28/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • KY
  • 40216
Postal mail Servicemember
10/12/2016 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60473
Web
10/06/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 90015
Web
09/30/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WY
  • 82001
Web
09/25/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 91762
Web
09/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WA
  • 98103
Web
09/13/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IN
  • 46226
Web
09/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 90250
Web
07/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IN
  • 46340
Phone
07/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NM
  • 87121
Web
06/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 11706
Referral
05/25/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 07712
Referral
05/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 79843
Web
04/29/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 22193
Fax
04/27/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • FL
  • 33647
Postal mail Servicemember
04/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • PA
  • 19136
Web
04/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 22191
Referral
04/18/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • VA
  • 22191
Referral
04/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • CA
  • 93245
Phone Servicemember
03/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30240
Web Servicemember
03/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MI
  • 48906
Web
03/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • OK
  • 74146
Web
03/09/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21206
Web
02/25/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MA
  • 01876
Web
02/23/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 41651
Fax
02/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 22193
Fax
02/01/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 75150
Web
01/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • GA
  • 30291
Web
12/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85281
Web
12/18/2015 No
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 48045
Web Servicemember
12/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MI
  • 48237
Phone
12/07/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • IN
  • 47714
Web
12/01/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • IN
  • 46321
Web
11/18/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NJ
  • 07065
Web
11/17/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 21214
Web
11/04/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33321
Web
10/26/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 22193
Web
10/21/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 45505
Web
09/18/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • OH
  • 44114
Web
09/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85392
Web
09/09/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78578
Phone Servicemember
08/14/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 90249
Phone
08/05/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77048
Web
07/27/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 96130
Phone Servicemember
06/29/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • VA
  • 23324
Referral
06/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 94550
Phone
06/20/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28377
Web
06/18/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 28540
Web
06/10/2015 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • AZ
  • 85339
Web
06/09/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 77489
Web
06/02/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 91743
Web Servicemember
05/23/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • PA
  • 19136
Web
05/18/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OR
  • 97458
Referral
05/12/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 90040
Web
05/05/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21114
Referral
05/05/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21114
Referral
04/15/2015 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 77015
Web
04/08/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MI
  • 48135
Phone
03/24/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MD
  • 20708
Web
03/13/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 19132
Web
03/01/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • IL
  • 60411
Web
02/26/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 27925
Web
02/20/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MN
  • 55431
Web
02/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TN
  • 37075
Web
02/15/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29115
Web
02/15/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29115
Web
02/13/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 98338
Web
02/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 95835
Web
02/10/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30331
Web Older American, Servicemember
02/07/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 49507
Web
02/07/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NJ
  • 08016
Web
02/05/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MO
  • 63363
Phone Servicemember
02/03/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 91743
Web Servicemember
02/02/2015 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • CA
  • 91304
Web
01/28/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28457
Web
01/28/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 94603
Phone
01/27/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AL
  • 35111
Web
01/27/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 27302
Web
01/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • DE
  • 19802
Phone
01/20/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77041
Web
01/06/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • PA
  • 19136
Web
12/30/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NJ
  • 08109
Web
12/26/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 63125
Web
12/18/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 17702
Web
12/14/2014 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • NY
  • 14626
Web
12/12/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • CO
  • 80123
Web
12/02/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 77015
Web
12/02/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WI
  • 53209
Phone
12/01/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • TX
  • 75181
Web
11/27/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CT
  • 06051
Web
11/24/2014 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • LA
  • 70810
Web
11/24/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 49286
Web
11/22/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 90003
Web
11/19/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • CT
  • 06422
Web
11/11/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 45011
Web
11/07/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 35244
Web
10/23/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 18042
Web
10/17/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • HI
  • 96727
Web
10/15/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MI
  • 48103
Web
10/13/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 10010
Web
10/10/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AL
  • 35749
Web
10/09/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TX
  • 75644
Web
10/02/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 92404
Web
10/02/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 11756
Phone
09/30/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
Phone
09/25/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MO
  • 65775
Web Servicemember
09/22/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • PA
  • 19136
Web
09/21/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • RI
  • 02914
Web
09/18/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • GA
  • 30228
Web
09/18/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • IL
  • 62234
Referral
09/16/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MN
  • 55419
Web
08/13/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • ME
  • 04412
Web
07/22/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IA
  • 50311
Web
07/15/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30238
Phone
07/09/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AR
  • 72757
Web
07/08/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • RI
  • 02914
Web
06/25/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 27518
Web
06/17/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19010
Web
06/15/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85224
Web
06/12/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called outside of 8am-9pm
  • AZ
  • 85392
Web
06/04/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 48170
Phone
06/03/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 44460
Web
05/12/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 44255
Web Servicemember
05/08/2014 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MI
  • 48021
Web
05/07/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95758
Web
05/07/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Called after sent written cease of comm
  • CA
  • 91786
Web
04/18/2014 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • MD
  • 20695
Web
04/15/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CO
  • 80916
Web
04/03/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 78240
Web
03/26/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MI
  • 48002
Web
03/18/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WY
  • 83002
Web
02/02/2014 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • GA
  • 30044
Web Older American
01/28/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 95632
Web
01/28/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48170
Phone
12/30/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • DE
  • 19904
Web
12/28/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MI
  • 48225
Web
12/19/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 95687
Phone
11/26/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21903
Web
11/06/2013 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • CA
  • 90717
Referral
10/02/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • TX
  • 77004
Web
09/25/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • WA
  • 98661
Web
09/17/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AL
  • 35214
Web Servicemember
09/11/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 49097
Web
09/11/2013 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 34741
Phone Servicemember
08/19/2013 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 85213
Phone
08/12/2013 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AK
  • 99654
Postal mail
08/06/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NV
  • 89521
Web
08/04/2013 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 48226
Web Older American
07/03/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 92557
Web
07/01/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • VA
  • 22407
Web Older American
05/28/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MO
  • 63376
Web
05/14/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MO
  • 63376
Web
04/23/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NY
  • 13615
Phone Servicemember
03/20/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • FL
  • 33614
Web
02/20/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MI
  • 48103
Web
02/02/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 94115
Web
01/25/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WI
  • 98512
Web Older American
01/23/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30093
Phone
01/19/2013 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 95823
Web
10/15/2012 No
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • PA
  • 19104
Web
10/10/2012 No
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • IL
  • 60649
Web
07/18/2012 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21030
Web
06/20/2012 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 23228
Web