| 07/20/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, I sent out multiple disputes to all XXXX bureaus. I called XXXX yesterday to have my disputes removed off my credit report due to no response within the 30 day time frame by law. I did not bother calling XXXX since I had not heard back from them either and was expecting the same response. The representative I spoke with from XXXX said they did not have any letters from me. I confirmed the address and also stated that XXXX did not have any issues receiving my mail as they responded to all XXXX disputes. Because I have filed disputes with XXXX before, I felt they didn't thoroughly investigate due to how fast they responded to me, but they did respond within XXXX weeks.
Disputes XXXX. I have a XXXX XXXX card with missed payments between XXXX of XXXX and XXXX of XXXX. I did not miss any payments before or after those dates. I stated that I was in between jobs during COVID and that's why those dates are missing payments when I was not employed. I asked for those missed payments to be removed or waived since I have XXXX more XXXX XXXX cards that are both in good standing.
XXXX. XXXX XXXX XXXX states that the original creditor is XXXX XXXX and that I owe {$490.00} on an account that I did not activate. Again, I have XXXX cards with XXXX XXXX and I would not apply for a card with the intention to never make any payments. I lived in a house where I was renting a room with XXXX people who were renting rooms as well at the address and I wholeheartedly believe someone somehow activated the account because I have no idea of where this account came from and I asked for this to be removed from my report.
XXXX. Townsgate Capital Corp is the lender for the repossession on my credit report. The company XXXX XXXX XXXX XXXX ) ( Sage Pre-Owned ) I purchased that specific car from settled in court for using " deceptive and unfair sales and financing practices, deceptive advertising and deceptive reviews '' - Federal Trade Commission. I lost my job at the time, however, the payments were more than what what was offered over the phone and via email. The representative sold me a defective car. The car jerked as we test drove and when I asked him about that he stated, " the car hasn't been driven in a while, that's normal ''. The XXXX XXXX XXXX had many recalls for that " jerking '' issue as it continued to happen. Due to Townsgate Capital Corp working with a deceptive company, I would like to have them removed from my credit report.
I did not know this information until after and attempted to call XXXX to update them regarding this and as I stated above, I do not believe they included the additional information regarding the lender working with a deceptive company since I ended up with they did not remove this from my report so the XXXX letter won't state the updated information regarding the settlement.
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| 09/08/2022 |
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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My loan is almost paid off, I only have one payment left which was deferred during the pandemic. During the time Ive had my loan, it appears the company is pyramiding my late fees. They are charging me additional late fees when I pay only my principal and interest and not the late fees assessed. This has made it more difficult to pay my loan off in a timely manner. They have consistently threatened me with repossessing the vehicle when I am not more than 30 days late and only owing late fees not principal and interest. The acts of this company are unfair and deceptive as they do not disclose all the fees up front, and are never clear on what is actually owed. In addition, they are charging a daily interest that was not disclosed in my contract. They have also sent me other customers personal information in error. When I made them aware of this, they said its not a big deal, just delete it.
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| 07/08/2021 |
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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I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
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| 09/03/2020 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The car was paid off through my insurance company XXXX on XX/XX/19 in the amount of {$11000.00}. The remaining balance of {$470.00} WITH XXXX collection was paid off as well. Supporting documents have been uploaded. Please remove from my credit
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| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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