|
11595305
|
2025-01-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-18
|
|
|
11322097
|
2024-12-31
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
|
|
11742748
|
2025-01-25
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
|
|
6252964
|
2022-11-28
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-28
|
| Complaint What Happened |
Consumer portfolio is saying my account is a charge off. There was not XXXX consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5530863
|
2022-05-03
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-03
|
| Complaint What Happened |
This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) Consumer Portfolio Services does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts.
I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files.
2 ) a letter confirming the deletion of this account from all credit reporting agencies.
3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering.
-Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3276990
|
2019-06-16
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2019-06-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6824942
|
2023-04-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10081166
|
2024-09-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7277734
|
2023-07-21
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-21
|
| Complaint What Happened |
Inquires that were not Authorized
|
| Consumer Consent Provided |
Consent provided
|
|
|
8717472
|
2024-04-08
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-08
|
| Complaint What Happened |
I sent a picture of my drivers license to my brother XXXX, he was in the process of trying to get a vehicle. The sales representative that we spoke with explained to us that since I wasnt co-signing on a vehicle that they didnt need to run my credit, I was confused with that information because if that was the case then why did they need me to probide anything on his behalf. I beleived the representative and provided my license and the very next day I began to receive notifications from credit karma that I had 6 new inquiries on my report in which I never consented to regardless of who it was from.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6844959
|
2023-04-15
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7533320
|
2023-09-11
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5546193
|
2022-05-05
|
Problem with a credit reporting company's investigation into an existing problem
|
Vehicle loan or lease
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Loan
|
| Date Received |
2022-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-05
|
| Complaint What Happened |
About XX/XX/2022 all of my credit monitoring apps went off to inform me of my credit score dropping over XXXX points because of consumer portfolio. Money payment was made and they still reported me being over 30 days late. I called the company later that day and they said sorry. Nothing that the was going to.do to fox their mistake. I just got my credit score higher. Now they ruined it. I want that later payment removed and my credit score fixed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5005511
|
2021-12-13
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-05
|
| Complaint What Happened |
I have unauthorized inquiries own my report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5448859
|
2022-04-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-14
|
| Complaint What Happened |
Attempt # 1 : Disputed through Consumer Reporting Agencies Attempt # 2 : On XX/XX/22 I sent a Cease and Desist Letter via US Certified Mail to Consumer Portfolio Services outlining the following requests : Below are some of the violations reported : The illegal acceptance of the down payment amount of {$3000.00} ( 18 USC 1662b ) Fraudulently reporting 20 late payments to credit bureaus ( 15 USC 1681a ) Listing paid by insurance to consumers which is deceiving and falsified information ( 15 USC 1681a ) Privacy Violation in reporting to any and all credit reporting agencies without my written and expressed consent.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6807739
|
2023-04-08
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-08
|
| Complaint What Happened |
I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4117877
|
2021-02-04
|
False statements or representation
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated attorney, law enforcement, or government official
|
| Sub Product |
I do not know
|
| Date Received |
2021-02-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-04
|
| Complaint What Happened |
I received a AUTOMATED robo call from company that claimed to be '' COMSUMER PORTFOLIO SERVICES ''. I HAVE NO DEBT! THIS IS SCAM COMPANY. AND IS JUST ONE OF SEVERAL SPAM AND SCAM CALLS THAT I RECEIVE. THIS FAKE DEBT COLLECTOR PHONE # is XXXX. THIS OCCURED TWICE ON XX/XX/2021 at XXXX ; XXXX XXXX. I HUNG UP KNOWING THAT I HAVE NO DEBTS.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5113201
|
2022-01-15
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Auto debt
|
| Date Received |
2022-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6509868
|
2023-01-31
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2023-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-31
|
| Complaint What Happened |
inquires on my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8717843
|
2024-04-08
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-08
|
| Complaint What Happened |
I sent a picture of my drivers license to my brother XXXX, he was in the process of trying to get a vehicle. The sales representative that we spoke with explained to us that since I wasnt co-signing on a vehicle that they didnt need to run my credit, I was confused with that information because if that was the case then why did they need me to probide anything on his behalf. I beleived the representative and provided my license and the very next day I began to receive notifications from credit karma that I had 6 new inquiries on my report in which I never consented to regardless of who it was from.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9150912
|
2024-06-02
|
Identity theft protection or other monitoring services
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Identity theft protection or other monitoring services
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Billing dispute for services
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2024-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-04
|
| Complaint What Happened |
I received a letter from XXXX and XXXX XXXX that my personal information was breach and there are inquires on my credit report that I did not make.
|
| Consumer Consent Provided |
Consent provided
|
|
|
12675624
|
2025-03-26
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Changes in terms mid-deal or after closing
|
| Sub Product |
Loan
|
| Date Received |
2025-03-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-26
|
|
|
12542706
|
2025-03-18
|
Getting a loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Getting a loan or lease
|
| Timely |
Yes
|
| Company |
Consumer Portfolio Services, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Confusing or misleading advertising or marketing
|
| Sub Product |
Loan
|
| Date Received |
2025-03-18
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-18
|
|
