| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, NJ XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : LEADERS FINANCIAL CO XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 07/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am disputing, the credit reporting from Leaders Financial.
I purchased the vehicle in XXXX from a friend who worked at the company at the time, my credit wasnt that great, but he said he was able to make things work on my behalf, about 4 months after having the car, I experienced some issues, I have been taking it to the dealer often. About a year later, the car stalled on me as I was driving to work, I was able to get it started again, drove to work, and left it parked there, I paid for an XXXX to get back home ( {$85.00} ). The next day I had the car towed from my job to my apartment. The next day I was told it is the radiator, and I would have to add water to the cool it down, because it was overheating. I relied on my vehicle to get back a forth to work, so I began seeking other options to purchase another vehicle. I went to a dealer that same day with the car, I called Leaders that day to ask what the payoff amount was for the vehicle, I was told it was XXXX. Unfortunately when the dealer went to inspect the car, he wasnt able to offer me anything for it, so I went back home, and decided to look the next day, at this time the car was no longer functional, and I got a rental for the week, I then went over to a dealer in XXXX, and was successful in purchasing a vehicle, I came home parked the vehicle. The next morning when I went outside the vehicle that was not working was no longer there, at this point I assumed it was stolen, because I just called leaders to ask for a payout quote, but when I called to tell them what happened, they said they would let me speak with the person who sold me the car, and he would be contacting me to determine what the issue was. I had never heard from anyone in regards to what took place, I had not received a notice of potential repossession, I was not offered an option to retrieve the car nor my belongings. Shortly after I was moving and had all mailed forwarded accordingly, and still no communication from this company. A few months later checked my credit report and there it was, I called and sent dispute letters but no resolve.
Thank you for your time and attention to this matter.
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| 06/24/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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About a month ago I got a text message from Leaders Financial congratulating me on my auto loan and telling me the due date for first payment of {$410.00}. I had not made any such loan, had not bought a car since XXXX, and had never heard of Leaders, so I just deleted the text. On XX/XX/XXXX I got a text telling me I was 12 days overdue and to call or click Leaders. I looked Leaders Financial up online and found they were based out of New Jersey ( I live in XXXX and have not been near NJ since XXXX ) were involved in secondary auto financing, whatever that is, and had nothing but bad reviews on XXXX, so I was afraid to contact them, since it could be a scam. I thought maybe somehow it could be Identity theft, so I checked my credit report and saw no listing of a loan through this company, and have had no weird or unknown charges on any of my bank accounts or credit cards. Possible scamming keeps from calling them, so I'm filing this complaint in order for the CFPB to investigate and contact them instead of me, then let me know what is going on.
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| 07/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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The account with Leaders Financial is closed in 2018 and the company is garnishing my checks for the amount owe, yet they are still reporting the account as late on my credit report even though they are receiving my payments from my job every month. This late reporting is keeping my score low. The name of the original creditor company is Leaders financial and the people that bought the debt are saying they have nothing to do with what is reported. Leaders keep telling me that they don't have anything to do with this account anymore, so why are they still reporting as late or even reporting at all. I have been going though this for 5 1/2 years. I can't get a loan, a car in my name and more. Please help me to remove this leaders account off of my account as I have tried over and over again. I am trying to improve my credit score as I can't even rent an apartment in my name. Please help me to remove this account.
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| 09/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Leaders Financial has refused to send me my title after paying my vehicle loan off back in XXXX 2016. I first had to deal with prove that you paid us which I had to fax a copy of my bank statement over because I paid the car off with my debit card. Then I was told I would have to wait 30 days after the payment was made in order to receive the title. Now today XXXX XXXX, 2016 6 weeks after I paid Leaders off they flat out refuse to send me my title. I called today and they state that they will send me paperwork that I would have to sign and send back to them and they then will need more time in order to send my title to me. Send the title now via federal express or I will see you in court. This is theft, You took my money and now you refuse to give me my title. Send it now!!
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| 11/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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THE COMPANYS RESPONSE DID NOT ADDRESS ALL OF MY ISSUES!!!
The late fees and my balance is still incorrect. Leaders Opened my car loan on XXXX XXXX for $ XXXX.and I had a {$5000.00} down payment as well. That loan amount of {$10000.00} is also listed on my credit report. I have made my payments of {$390.00} as per my contract on time for 27 payments. My credit report states this information of on time payments. Therefore my loan balance should be paid. The 27 payments total is@XXXX. Please Advise, Please forward this information to the company as well...
loan company : Leaders Finance company XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX
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| 10/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I, XXXX CALLENDER HAVE NEVER MISSED MY CAR PAYMENTS THRU OUT THIS
ENTIRE LOAN. ACCOUNT # XXXX, VEHICLE FINANCED, XXXX XXXX XXXX. LOAN RECEIVED XX/XX/XXXX XXXX THRU (XXXX XXXX) AND THIS COMPANY (LEADERS FINANCE). I WOULD CORRESPOND WITH XXXX) IF I WAS HAVING A PROBLEM WITH MY ACCOUNT. THE STAFF HAS ADDED UP TO XXXX IN SO CALLED LATE FEES THAT ARE NOT CORRECT.
THEIR ADDRESS IS XXXX XXXX XXXX XXXX XXXX
CXXXX, NEW JERSEY XXXX.
XXXX
WOULD LIKE THIS ACCOUNT FIXED AND THE INCORRECT INFORMATION TAKEN OFF OF MY CREDIT.
PLEASE ADVISE,
XXXX CALLENDER
XXXX XXXX XXXX FL. XXXX XXXX XXXX, NJ XXXX
XXXX
XXXX
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| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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Due to XXXX XXXX and health problems I contacted loan company about vehicle they agreed and were happy to take van back which they sold for {$1000.00} dollars more than I owed. After the sale they added a {$40.00} charge to my credit account and refuse to let me pay it they intentionally are hurting me its a crime. They continue to report a charge off every month 4 years later refusing to let them give them {$40.00}
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| 01/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I noticed once again that Leaders Financial has reported on my XXXX, XXXX and XXXX credit report that I have two 30 day late payments in XX/XX/XXXX and XX/XX/2015. I generally pay my car note within the grace period and or allowed time. This is the second time that I have had to complain about them reporting 30 day lates and ruining my credit
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| 04/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX $ Date opened XX/XX/2018 I spoke to the owner ( XXXX ) of the company ( leaders financial company ) And he removed that and added it to the new loan I took that time and I paid of everything to the company Not sure why it showed late payments in my account for almost a year or more
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| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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Yes i been with XXXX XXXX XXXX for a couple of months they been trying help me get something off my credit report that shouldn't be on there but as it looks they was giving a hard time from leaders financial co i was a co-signer to a car that was giving back and not repoe
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| 08/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I am disputing late payment entries that Leaders Financial had put on my credit report. It states that I was 30-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time
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| 05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
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| 08/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I am disputing late payment entries that XXXX XXXX had put on my credit report. It states that I was XXXX-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time
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| 01/15/2021 |
No |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This loan from Leaders Financial is not my. XXXX XXXX is responsible for this account. I wish this to be removed out of my account because its not mine. I tried disputing but its not letting me.
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| 01/26/2021 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Im constantly being remind of my younger days and its hurting me now. Lost my job and was not able to pay for the loan.
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| 04/22/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX its not on XXXX but its on XXXX and some hard inquiries I want you off
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| 02/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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| 09/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 04/24/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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| 06/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 03/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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| 01/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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