Garcadia Financial LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/19/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75241
Web
Dear Sir or Madam, XXXX. FOURSIGHT 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 XXXX 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 XXXX XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with FOURSIGHT 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 ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( 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. ( XXXX ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX
11/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30083
Web
Detailed Statement of Claim I, XXXX XXXX, consumer and natural person of the United States of America have no obligation to Foursight Capital ; debt collector, servicer and assignee for XXXX XXXX. Foursight Capital is a debt collector as defined by 15 USC 1692a as it collector attempts to collect directly, debts asserted to be owed or due another. They might also be found as debt collector under the definition that XXXX XXXX uses Foursight Capital as a name other than his own ( XXXX XXXX XXXX ) which would indicate that a third person ( Foursight Capital ) is collecting or attempting to collect such debts. Foursight Capital is consumer reporting agency according to 15 U.S. Code 1681a because it, for monetary fees, regularly engages in whole the practice of assembling consumer credit information on consumer for the purpose of furnishing consumer reports to third parties and uses any means to for the purpose of preparing or furnishing consumer reports. The defendant, used abusive and harassing practices to collect an alleged debt to which according to 18 U.S. Code 8, is the responsibility of the United States. XXXX XXXX is not contractually liable to Foursight Capital in any way. Foursight Capital violated the laws of the Fair Debt Collection Practices Act by : 15 U.S. Code 1692d 1 ) Causing the telephone of consumer, XXXX XXXX, to ring after a Cease and Desist letter was mailed to them 2 ) Publication of false details of my personal character to consumer reporting agencies on a list and filing a lawsuit against me in XXXX XXXX XXXX XXXX XXXX Georgia because I refuse to pay an alleged debt 3 ) Advertising the sale of the debt owed by the United States to coerce the consumer to pay the alleged debt 4 ) Use of language the natural consequence of which is to abuse the hearer or reader via the threatening letters, incessant phone calls, negative reporting to consumer reporting agencies and repeated emails 15 U.S. Code 1691e 1 ) Foursight Capitals threats to reposses my XXXX XXXX XXXX can not be taken in such, such it uses deceptive means to attempt to collect a debt pursuant to 1692e. 2 ) The failure to disclose that the Account Summarys mailed to my location by Foursight Capital and their telephone calls were attempts to collect a debt are violations of this law 15 U.S. Code 1681b -I never provided Foursight Capital with the with written instructions to furnish a consumer report. The Note and Security Agreement the consumer issued to XXXX XXXX, and submitted by Foursight Capital after request for debt validation does not constitute such written instruction. 15 U.S. Code 1681e -Foursight Capital failed to maintain reasonable procedures designed to avoid violations of section 1681c of title 15. It also failed to make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. 15 U.S. Code 1681h 1681h Foursight Capital failed to require to furnish proper identification notwithstanding, it never received written instruction to furnish a consumer report about me. 15 U.S. Code 1635 and 1641 Should Foursight Capital attempt to ignore the foregoing, the consumer hereby exercises her right to rescind the consumer credit transaction between herself and the credit, XXXX XXXX XXXX. 15 U.S. Code 1644 According to 15 U.S. Code 1644, by reporting to third party consumer credit bureaus, Foursight Capital engaged in fraudulent use of my credit card ( social security card ) which constitutes identity theft pursuant to 12 U.S. Code 1431. Foursight Capital violated the Crimes and Criminal Procedure by the following : 18 U.S. Code 1341 Pursuant to 18 UXXXX Code 1341, Foursight Capital devised a scheme for obtaining money by means of fraudulent pretenses, placed in a post office or authorized depository for mail matter any matter or thing whatever to be delivered by the Postal Service by sending me account summaries, monthly statements, misleading me into remitting monthly payments to them. Foursight Capital is to be fines for such a crime. Foursight Capital Harassing and Threatening Communications Violations of 15 USC 1692e, 16692f & 1692c I mailed Foursight Capital a Cease and Desist letter via USPS on XX/XX/XXXX, delivered on XX/XX/XXXX however, Foursight Capital continued to contact me via email, mail, and phone. Emails- electronic mail message to my electronic mail address ( XXXX ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Calls to ( XXXX ) XXXX : XX/XX/XXXX XXXX pm XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Voicemail left on XX/XX/XXXX Voicemail left on XX/XX/XXXX Voicemail left on XX/XX/XXXX Voicemail left on XX/XX/XXXX Mail through XXXX sent to XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Certified letter XXXX in envelope with logo XX/XX/XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX Account Summary mailed on XX/XX/XXXX Account summary mailed on XX/XX/XXXX Certified letter mailed in envelope with logo XX/XX/XXXX USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX Threatening letter and demand for payment mailed on XX/XX/XXXX Threatening letter and demand for payment mailed on XX/XX/XXXX Account summary mailed XX/XX/XXXX Account summary mailed XX/XX/XXXX 2021
09/22/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • TX
  • XXXXX
Web
I XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ). This is a notice to Foursight Capital that it is my intention to invoke my right to rescind the contract that was created on XX/XX/XXXX in between I, XXXX XXXX XXXX, a consumer and XXXX XXXX XXXX, and then assigned to Foursight Capital as an assignee creditor. Pursuant to 15 USC 1635 ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. I was never delivered the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. Pursuant to 15 USC 1635 ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.
06/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CA
  • XXXXX
Web
I have had a loan with Foursight Capital for over four years now. The company adds fees on fees and fees two clients who have loans for automobiles and do not work with the client consumer to resolve these issues in a very amenable manner. The Company Foursight Capital is charging fees for being late in a payment when the payment was made in addition to another payment and that any payment made is counted as one payment and if the payment is twice the amount of one payment therefore it perpetuates the late fee from month to month to month. The company Foursight Capital has charged in some months three late fees and will not take the late fees off And adds more fees for calling to try and resolve the issue about the late fees and having made the two payments in one payment therefore each month there is a late payment fee at least one if not three or four late payment fees that the company is adding on those perpetuating the length Of time of the loan Therefore each time and make a payment to Foursight Capital in the amount of two times the payment amount XXXX at the beginning of the loan instead of it being counted as two paymentS it is counted as one payment indicating that the other payment is late and if he is added onto that and the other amount is added to the principal after all the fees are paid it seems as though I will never pay this loan off because theyre not fees that is added onto my account continues to mount every month because each month another fee is added on for a late payment that was made previously and every month that I am late on the fees paid is sometimes six or seven months of late payments in one month. Well I have taken out a automobile loan in the past I have found agents of the finance company to be amenable to the idea of taking for years off and not adding fees on to the total amount know this company never takes off of fee and never is helpful to managing they will not consider reducing the high interest-rate they are charging even though I have been making these payments and making the famous on time for years they are out to continue the lawn and ruin my credit so I am not able to obtain another loan not even from them even though Im paying all their fees
11/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OR
  • 97420
Web
I paid for a dealer extended warranty as part of my car purchase in XXXX. The cost was {$2300.00}. It is itemized on both the installment and retail purchase agreements. In XXXX, I received a letter from XXXX XXXX that the dealership had been sold to XXXX XXXX and the extended warranty would NOT be honored without any sort of refund of the {$2300.00} which I was/am paying for at 11+ % interest. When I informed my lender, Foursight Capital of this fact in XXXX, it was ignored. I just called again on XXXX to inform/discuss this issue with Foursight. At this point I was told that Foursight did n't care that they, and I, are in effect being stolen from because Foursight already paid the money and its between myself and the dealership. I find this response by Foursight to be not only unethical, but also incredibly disrespectful of a consumer using their service because they were the lender chosen by the dealership. I had requested the dealership fund the loan through XXXX XXXX XXXX XXXX where I do business. While I can not prove it, my previous experience as a Underwriter in Manufactured homes tells me that Foursight offered the dealership points in order to fund the loan. I believe this is part of Foursights ' refusal to respond to the " theft '' of {$2300.00} by XXXX XXXX. Please find attached the full installment contract ( in XXXX scans to get the whole thing ), receipt for finishing paying DMV for my title transfer ( it is an itemized item for the correct amount on my installment contract and the attached retail contract ), retail auto purchase contract, letter dated in XXXX 2016 from XXXX XXXX announcing its ' purchase by XXXX and revocation of the warranty ( which is an itemized subject on the contracts for {$2300.00} -- not including the interest that has accrued since my purchase in XXXX ), and XXXX statements from my servicer/lender Foursight Capital who refused to do anything about the warranty revocation when I informed them of the revocation telling me that it was n't their problem even though Foursight Capital had paid the funds as part of funding my purchase. Thank you and have a good day, XXXX XXXX XXXX
06/04/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30344
Web
I recently purchased a car here in XXXX at a XXXX dealership who chose Foursight Captial as the financial institution. On the paper work I made sure it stated that I get paid on the XXXX day of each month. I did not want to be late making pymts. The payment is due on the XXXX of the month. The dealership said it should n't be a problem because there will be a XXXX day grace period. I agreed to mail the check on the XXXX of the month.

On XXXX XXXX I received my XXXX call about paymt not being there on the XXXX . I explained to the young man about my XXXX of the month pay. I asked if i would be called every month on the XXXX since they now know my situation, he said no. Told me that he would make a note of it in my file. I got a call on the XXXX XXXX , and on XXXX XXXX . This is harrassment. I have owed out more money than this and have been financed through banks. I have never gotten harrassed in this fashion. I guess because they were legitmate and professional financial instiutions.

Something has to be done about the way that Foursight Capital does business with its customers. After all if it were not for us they would not exist. From what I understand they can change the due date only after you have paid them XXXX times. They do this because they know you ca n't pay them until you get paid so they can still money from the customers in late fees. Did they not read the information that was given to them at initiation of the loan? It clearly stated that I get paid on the XXXX of the month. These people are not professional they need to be investigated for illegally taking money from their customers in the form of late fees that they deliberately set up to benefit themselves. I want them to STOP calling me!

07/09/2021 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
  • TX
  • 75165
Web
I notified XXXX that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. XXXX however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX me. The XXXX rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. -Foursight Capital/XXXX XXXX issue- I have reported for two years to the bureaus that Foursight has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX is the only one that removed XXXX XXXX. Please have all bureaus remove the Foursight & XXXX XXXX. Thanks
09/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • UT
  • 84404
Web
On XX/XX/2020 I refinanced my vehicle loan with Foursight Capital based in XXXX XXXX XXXX, Utah through my credit union. The credit union processed the refinance in the amount of {$20000.00} which was the payoff amount that was valid through the XXXX of XXXX as per Foursight Capital 's website. I called Foursight on XX/XX/2020 to inquire why they had not yet applied the check to my account. The customer service representative said that they received the check on XX/XX/2020 but would not process the check because there was a discrepancy due to the seven days interest between the date of the payoff amount and the day the check was received. It has now been an additional four days. They did not let anyone at my bank or myself know that they had received the check and are now demanding I pay the additional four days of interest, even though the check was received on the XXXX. I am prepared to pay the seven-day difference, due to the check not being received until the XXXX, but feel it is completely unfair to be held responsible for any amount after the XXXX since they received the check and have not and refuse to credit my account so I can pay the difference. I have been logging in every day to see if the payment had been applied so I could finish paying it off, but they refuse to credit my account for the amount of the check the received from my credit union, thus charging an additional four days of interest when they have had the check in their possession without crediting it to my account or letting anyone at the credit union know or let me know they've received it.
08/24/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • XXXXX
Web
Foursight Capital is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Foursight Capital has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 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 instructions of the consumer to whom it relates. Foursight Capital has furnished information associated my my social secutiy number which is a credit card pursuant to 15 U.S. Code 1602 ( l ). Foursight Capital has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
03/03/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NV
  • 89081
Web
I made 3 separate car payments to Foresight Capital. They have charged me a cash advancement fee for the transactions when the payment should have been processed as a XXXX XXXX payment and not a cash advancement fee. The only option on Foresight Capital website is debit/credit card payment, there is no option for a cash advancement payment but yet they have charged me a cash advancement fee. The car note payment and cash advancement fees are as follows : Car note payment of {$730.00} on XXXX with a cash advancement payment of {$36.00} Car note payment of {$360.00} on XXXX with a cash advancement payment of {$18.00} Car note payment of $ XXXX XXXX with a cash advancement payment of {$14.00} I spoke with the supervisor XXXX and she told me that they have had this issue before and that they have not had this issue in a long time. XXXX refuse to reimburse my account for the cash advancement fees. XXXX claims that XXXX XXXX is the one that is processing the transaction as a cash advancement fee not Foresight Capital and that XXXX XXXX is the company that I should get reimbursed through not Foresight Capital. XXXX also claims that XXXX XXXX has them listed as a bank institution and not a financial institution and that is the reason that I am being charged the cash advancement fee. I am requesting that Foresight Capital reimburse me in the amount of {$68.00} for the cash advancement fee charge.
09/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30092
Web
On XX/XX/2021 I sent Foursight Capital a letter informing them on the laws that they are breaking from the US Code. I have been informed that Foursight Capital is reporting a car loan to my consumer report with the three major credit agencies, XXXX, XXXX and XXXX. Please be informed, Pursuant to 15 USC 1681 2 ( B ) states that any authorization or approval of a specific extension of CREDIT directly or indirectly by the issuer of a CREDIT CARD or similar device ; must be excluded from a consumer report. The US Code also defines the word CREDIT CARD, The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So according to 15 USC 1681 2 ( B ) you are illegally reporting a credit transaction to my consumer report. I have the right for this TRANSACTION to be EXCLUDED from my consumer report on XXXX, XXXX and XXXX. Pursuant to 15 USC 1681 2 ( B ) My social security card is a CREDIT CARD according to 15 USC 1602n. My social security card was used to obtain CREDIT. As stated previously the US CODE LAW states that information is suppose to be excluded from my consumer report. I demand that they remove this transaction from my consumer report with XXXX, XXXX, and XXXX within 5 days of receiving this.
10/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 64131
Web
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. Thank you for your time and help in this matter.
01/04/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OK
  • 74008
Web Servicemember
On XX/XX/XXXX I contacted XXXX XXXX and spoke to XXXX. I wanted to cancel the scheduled payment for XX/XX/XXXX and spoke with him about a newer date for payment ( XX/XX/XXXX ). He was in agreeance. He stated he would send this over to my account manager XXXX and we ended the call. On XX/XX/XXXX I checked my bank account and noticed there were two transactions from XXXX XXXX. One for {$670.00} and the other {$33.00}. I called and spoke with XXXX and in the called she stated that XXXX 's notes from XX/XX/XXXX were not consistent with my claim with her ( XXXX ). XXXX then told me that XXXX ran the payment on that day ( XX/XX/XXXX ). I called XXXX later on in the day ( XX/XX/XXXX ) XXXX stated that we made an agreement for the payment for XX/XX/XXXX and that he initatied the payment despite me calling and cancelling it on the same day ( XX/XX/XXXX ) I believe there are some serious ethical issues involving the billing practices at XXXX XXXX and they need to be addressed. I did not authorize XXXX or anyone at XXXX XXXX to run that payment on XX/XX/XXXX. I only canceled the payment for XX/XX/XXXX. This is the short version of what has happened. Please also keep in mind that I record all of my calls and can accurately back up everything stated in this form.
07/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • OK
  • 74008
Web
On XX/XX/2018 at about XXXX CST, I spoke XXXX XXXX with XXXX XXXX. I had been working with her on a payment deferment and loan modification, due to a loss of income and period of unemployment that caused me to fall behind. XXXX gave me some options over the phone to help with the issues. XXXX stated on the call that she could defer 2 payments and lower the interest to 4 % and add 6 months to the loan, also stating that was the most she could do. XXXX stated the payment would be around XXXX/month with the modification. XXXX stated before we could move forward with the modification, but we would have to have the deferment paperwork in and payment made for that before so. XXXX stated on the call at least once that we could do both the deferment and modification. I gave XXXX a time line of when I would call in with the payments and have the paperwork in. The call essentially ended after that. On XX/XX/2018, I spoke with XXXX again about the deferment and loan modification. In the call, XXXX stated that she would have to apply for the modification and she didn't think it would go through. On XX/XX/2018, I received an email from XXXX saying that she could not offer the modification offer discussed.
01/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 847XX
Web
On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.
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
On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document*
10/05/2017 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
  • NE
  • XXXXX
Web
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
01/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • XXXXX
Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 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.
12/28/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • AZ
  • 85042
Web
I purchased a brand new car on XX/XX/2018 and financed through XXXX XXXX. The loan amount was {$26000.00} at a 12.24 % interest-rate. After reviewing my past two car payments I noticed that a majority of my payment is going to interest alone. A {$510.00} car payment split between interest of {$270.00} and {$230.00} going to the principal. When I contacted foursite they told me that there was an additional {$8.00} daily interest which comes out to about {$250.00} in interest added to my 12.24 %. I was never made aware of this. The whole reason I purchased the vehicle was to trade in another vehicle at a 25 % interest-rate for a lower interest. Foresight told me theres nothing I can do and Im stuck with the loan basically. They wouldnt even provide me information on where to complain about this issue.
03/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22193
Web
Account as from XXXX. I had a lease for a motorcycle and at the end of the lease, the company, XXXX XXXX called and said its the end of your lease and you either pay the lump sum or turn the bike in. I opted to turn the bike in and they said the contract was closed and finished. 3 years later, XXXX XXXX who was bought by another entity now called Foursight Capital placed a collection on my report in XX/XX/XXXX as a collection. I contacted them and they told me one thing and I called back and spoke with another person and she came up with yes your contract was done and closed but because the bike wasn't brought to a certain location the considered my contract not fulfilled. No one ever notified or informed me of this for 3 years and all of a sudden they stick a collection on my credit 3 years later.
08/23/2020 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
  • GA
  • 30518
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/07/2020 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
  • GA
  • 30062
Web
I was car shopping on XX/XX/2019 and found a car that I was interested in at XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX, GA XXXX I expressed to my sales rep that I did not want to apply for financing yet before looking at my other options because of the hard inquiry. He literally said that it would not do a hard inquiry and that I should at-least see if I'm approved before leaving. So he talked me in to it ***as long as it did not do hard inquiry*** XXXX & XXXX CA both did a hard inquiry on my credit that day, XX/XX/2019, unauthorized. I can not find where to dispute this with the companies. The next day I purchased a car at another dealership. The XXXX inquiry on XX/XX/2019 was authorized.
03/08/2022 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • GA
  • 30328
Web
I have still yet to see Foursight Capital fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agency regarding my account.
11/12/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NY
  • XXXXX
Web Servicemember
In XX/XX/2021 I have entered into a credit transaction with XXXX XXXX XXXX, who sold my security agreement to XXXX XXXX XXXX XXXX doing business as FourSight Capital LLC. FourSight Capital LLC has mailed me payment coupons that I have endorsed in good faith and rendered to FourSight Capital LLC. Their representatives have been calling me excessively. Today XX/XX/2021 one representative by the name of XXXX held me on the phone for over 30 minutes while I was at work ( which I informed him numerously ) and demanding payments, threatening to either go to my place of work and/ or my dwelling to take possession of my automobile. XXXX also claimed that the CFPB doesn't apply to their company.
08/23/2017 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
  • MO
  • 65202
Web
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/29/2022 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
  • GA
  • 30016
Web
I purchased a car from a dealer and obtained financing from foresight capital LLC. The car was involved in an accident a week or so after purchase and was declared a total loss. My insurance agency has been trying to pay the car off but foresight capital llc can not and will not produce a title. The situation has caused me major hardship because foresight capital llc continues to report negative information to my credit report which has resulted in loss of my job, i haven't been able to obtain traditional financing and my bank account is overdrafted due to fees from foresight capital llc trying to draft the car payment every month for a car that they obviously do not own.
06/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • KS
  • 660XX
Web
The company who has the loan for my truck, Foursight Capital, has tried three different times to ach my payment which I didn't approve and a {$30.00} charge was generated on my loan account with them. Each time I had made a phone payment and instead of debiting my account once, they attempted it twice. Of course the second attempt didn't clear and that is when they charged me a XXXX return check fee. I emailed their company on XXXX asking for a reversal of the XXXX in extra fees with no response from them. The dates of the fees are : XXXX, XXXX, XXXX. I am only asking to be refunded the XXXX and for this to never happen again! Sincerely Concerned Consumer
04/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84047
Web
Foursight capital - XXXX - They recently did a new update XX/XX/XXXX to reflect my account being closed, which this significantly dropped my credit scores. This account was already paid and CLOSED XX/XX/XXXX ... Why they did a new update XX/XX/XXXX like it was a recently closed account is beyond me. But it has affected my financing now. Closing a good account is the most damaging thing you can do! NOw I am going to be homeless due to Covid and you are the reason for my scores dropping. I need you to put the dates back to XX/XX/XXXX and fix the account or delete it from my credit because you are absolutely reporting accuratley!
05/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 776XX
Web Servicemember
During Hurricane Harvey, XX/XX/2017, my XXXX XXXX XXXX was caught in fast rising water and later declared a total loss. I had full casualty auto insurance as well as GAP insurance. I made the auto loan holder, XXXX XXXX XXXX, aware of the loss. My auto insurance paid XXXX the fair market value, leaving a balance for GAP to cover. I was repeatedly harassed by XXXX because the GAP insurance payment was delayed. Eventually, the GAP insurance paid XXXX. Now I discovered XXXX filed a negative payment history on my credit report. I owe the nothing and do not believe they should be placing a negative activity repost against me.
08/10/2019 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
  • CA
  • 94520
Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
09/06/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 860XX
Web Older American
For years, Foursight Capital ( sp? ) has harassed me with phone calls to collect a debt on people that previously had my phone number, but have not had this number since 2016 or so. After numerous attempts to have them update their files and remove me from their call lists, I have given up, and will no longer talk with them. As a senior citizen, I resent their invasion of my innocent privacy, and their recalcitrant insistence on thinking that I will pay a debt that I do not owe. They will never get a penny from me, but I do look foreword to seeing them in court, and receiving damages from them.
09/14/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • GA
  • 30083
Web
In accordance with 15 U.S. Code 1635, I, the alleged obligor, am hereby exercising my right to rescind the credit transaction which was allegedly executed on XX/XX/2021 for an auto refinance loan with a total of {$19000.00} between myself and Foursight Capital. This is because, Foursight Capital, the creditor, did not " clearly and conspicuously '' disclose, in accordance with regulations of the bureau, to me the alleged obligor, my right of rescission under 15 U.S. Code 1635. Note : this loan was first owned by XXXX XXXX XXXX who then sold loan to Foursight Capital.
05/26/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 76116
Web Servicemember
On XXXX / XXXX / XXXX Foursight Capital took two payments out of my bank account instead of the one monthly payment I setu p and got a confirmation for. They severely overdraft my bank account. I reached ou t to Foursight and they acknowledged that multiple customers had the exact same thing happen to them. The want m y bank XXXX XXXX to fix the issue. XXXX XXXX stated it will take 90 days to fix the issue. This is unacceptable.
01/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60169
Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FOURSIGHT CAPITAL LLC Requested On : XX/XX/2019, XXXX XXXX Requested On : XX/XX/2019, XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
08/02/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80239
Web
This car loan was taken out without my permission. I have not idea who took out the loan. Where the car is > found out that this car loan was showing up on my credit. I took out a police report, sent a letter and a copy of the police report to the company. This is not my loan. I have also retained legal counsel to assist me this problem. This company needs to take this loan off my credit reports.
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
  • Was not notified of investigation status or results
  • FL
  • 33024
Web
On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.
08/06/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • GA
  • 30083
Web
In Accordance with 15 USC 1692g, Foursight Capital failed to comply with sections ( 3 ), ( 4 ), and ( 5 ) of the code. I did not receive a statement that gave me the option to validate the alleged debt, dispute the debt or information providing me with the name and address of the original creditor. The date of the alleged contract is XX/XX/2021 for a loan total of {$19000.00}.
01/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • XXXXX
Web
There are unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FOURSIGHT CAPITAL LLC Inquiry : XX/XX/XXXX and XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
06/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15221
Web Servicemember
On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
02/15/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • IN
  • 462XX
Web
I've received several email Alerts as early as XXXX. and as late as XXXX from Foursight Capitol in reference to payments and I've been advised and shown evidence that this is a violation of the FDCPA rules with fines starting at {$1000.00} per fine and so far I have evidence of at least 7 violations and counting!
02/17/2022 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
  • IN
  • 46254
Web
On dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX my credit was ran without permission on they told me it would be a soft inquiry and to check to see if I qualify. I called each company and they said there is nothing they can do. XXXX XXXX XXXX is the only one I have permission to run my credit
02/08/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NV
  • 89108
Web
Balanced owed : XXXX. Loan was for a car. Called company to discuss options because of covid and they constantly harassed me. Calling me from sun up to sun down. I asked them to stop and they kept calling from different numbers threaten me.
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 290XX
Web
XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
06/07/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30310
Web
There was a hard pull on my credit and I did not know this was happening. I was told there would be a soft pull because I entered my info through a third party who sent it out to multiple creditors.
11/26/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78228
Web
This is a written communication from XXXX XXXX XXXX a consumer which means a natural person pursuant to XXXX U.S.C. XXXX ( XXXX ), I represent myself and there is no third party involved.
12/02/2017 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
  • AR
  • 724XX
Web
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for
12/08/2020 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
  • NC
  • 27262
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.
03/07/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • AZ
  • 863XX
Web Older American, Servicemember
Problem with fees charged and problem with 15 % interest in states that only allow 10 % interest without rate becoming usurious
03/09/2022 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OK
  • 74136
Web
I asked Foursight Capital to stop calling me about a car loan debt. They continue to call and hang up after 1 ring.
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.
01/16/2021 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
  • CA
  • 94803
Web
I do not recognize this hard inquiry on my credit. Need this take off please
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
Spoke about credit options but didnt authorize credit pull at dealership!
08/26/2018 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
  • 32211
Web
Have been disputing these inquiries since they happened and no resolution
04/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31405
Web
I didnt authorize for them to pull my credit
10/24/2018 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
  • UT
  • 841XX
Web
I did not authorize these credit checks
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
05/04/2022 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
  • AZ
  • 85234
Web
04/28/2022 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
  • 46112
Web
04/21/2022 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
  • 21239
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
02/22/2022 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
  • OK
  • 74107
Web
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
01/20/2022 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
  • IL
  • 60657
Web
01/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NM
  • 87701
Referral
11/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23513
Web
11/05/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75237
Web
10/29/2021 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
  • CA
  • 95660
Web
10/12/2021 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
  • 60645
Web
10/06/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85296
Web
10/06/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85296
Web
08/23/2021 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
07/29/2021 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
  • 60565
Web
07/16/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30092
Web
07/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NC
  • 27052
Phone
06/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • CA
  • 92612
Web
05/13/2021 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
  • MO
  • 63033
Web
04/23/2021 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
  • 77069
Web
04/14/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 37934
Web
04/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77045
Web
01/06/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 78767
Web
12/11/2020 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
  • 60628
Web
11/02/2020 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
  • Investigation took more than 30 days
  • MA
  • 02021
Web
08/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • AZ
  • 85249
Web
07/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63116
Phone
06/08/2020 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
  • TX
  • 75092
Web
05/22/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37772
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
09/18/2019 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
  • OH
  • 45042
Phone Servicemember
08/20/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • MO
  • 63935
Phone
04/24/2019 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
  • KY
  • 40422
Web
04/02/2019 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
  • KS
  • 67214
Phone
02/14/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NV
  • 89108
Web
02/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
Phone
12/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89193
Web
11/02/2018 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
  • TX
  • 77632
Web Servicemember
08/09/2018 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
  • TX
  • 75238
Web
08/01/2018 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 79761
Web Servicemember
07/15/2018 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
  • NV
  • 89130
Web
04/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30349
Postal mail
02/10/2018 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
  • UT
  • 84115
Web
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
  • IL
  • 60112
Web
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
  • IN
  • 46324
Web
08/11/2017 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
  • GA
  • 30058
Web
07/18/2017 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
  • UT
  • 84005
Web
07/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 77082
Web
05/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • KS
  • 67217
Web
01/11/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • CA
  • 91604
Web
09/21/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84084
Web