|
11169771
|
2024-12-16
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10321914
|
2024-10-02
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-02
|
| Complaint What Happened |
Exclusion of consumer report is any report containing information solely as to transactions or experiences between the consumer and the person making the report ; unless its a report subject to section 1681s3 of the the FCRA, Application information is Information that goes beyond a reporting entity 's transactions or experiences with a consumer as described XXXX XXXX XXXX i gave you my social security number, which is a credit card pursuant to the truth in lending and information i gave to you on a application. Being that you exceeded beyond sharing transactions and experiences you are acting a consumer reporting agency and a consumer reporting agency can only furnish a report on behalf of a consumer pursuant to 604 ( a ) ( 2 ) with the written consent of the consumer to who it relates, FTC gave us examples of consent as shown https : XXXX XXXX. CONSUMER INSTRUCTION A consumers written consent qualifies as an instruction that provides a permissible purpose under this section if it clearly authorizes the issuance of a consumer report on that consumer. 109 For example, a consumers clear and specific written statement that I authorize you to procure a consumer report on me provides a permissible purpose under this section. However, the consumers signature on a form that includes the statement I understand that where appropriate, credit bureau reports may be obtained is not a sufficiently specific instruction from the consumer to authorize a CRA to provide a consumer report. This language is more in the nature of a notification that a consumer report might be procured, as opposed to a grant of permission to obtain the consumer report.110 2. WRITTEN AUTHORIZATION A consumer may transmit written authorization electronically or by facsimile, in addition to regular mail or in person.111 The Electronic Signatures in Global and National Commerce Act ( ESIGN ) ( 15 U.S.C. 7001 et seq., Public Law 106-229 ; XXXX XXXX XXXX ) provides that a consumers consent is not invalid merely because it is communicated in electronic form. A consumers electronic signature may be an acceptable method of providing written instructions under the FCRA. To be valid under the ESIGN Act, electronic authorization must be in a form that can be retained and retrieved in a perceivable form. Whether an e-mail, a mouse click yes, or other electronic means clearly conveys the consumers instructions depends on the specific facts.
Pursuant to 616 your liability for willful noncompliance of the FCRA in regards to 604 ( a ) ( 2 ) holds you liable to i the consumer {$1000.00} in remedy owed for set failures to comply with the FCRA which causes damages Pursuant to 617 your liability for negligent noncompliance of the FCRA in regards to 604 ( a ) ( 2 ) holds you liable to i the consumer {$1000.00} in remedy owed for set failures to comply with the FCRA which causes damages Application information is also described under The Privacy of Consumer Financial Information Nonpublic personal information pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) means Personally identifiable financial information ; Personally identifiable financial information pursuant 12 CFR 1016.3 ( q ) ( 1 ) ( i ) means any information : i as consumer provides to you to obtain a financial product or service from you, i gave you my social security number, which is a credit card pursuant to the truth in lending act and non public personal information you used in conjunction to create a report of descriptions based on my transactions and YOUR companies experiences with my accounts, to share my information to specifically identify i the consumer which is beyond your authority and created a consumer report under the FCRA the GLBA speaks about non public personal information shared. In regards to your privacy policy General exceptions of non requiring opt out notice does not apply to sharing nonpublic information to a consumer reporting agency pursuant 15 U.S. Code 6802 ( e ) ( 6 ) ( A ) because the way you shared the information is not in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], the GLBA does not supercede the FCRA and due to the fact the GLBA may permit certain actions the FCRA does not permit the same actions you need permissible purpose to furnish a report on my behalf I am opting out of all possible measures of my information being used under the GLBA, pursuant to the FCRA im a giving written instructions to remove all my.account information from all consumer reporting agencies, With Explicit Reservation of all Right, Without Prejudice UCC 1-308.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8766305
|
2024-04-13
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2024-04-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-13
|
| Complaint What Happened |
hi i am requesting a copy of my retail installment contract including all documents signed the date of transaction, to see if repossession was lawful and legal thanks i need the itemization of the amount financed, on XXXX ; XXXX XXXX XX/XX/11 i called the bank and asked and was hung up on 2 times due to the fact the XXXX who answered the phone didn't like what i said when i have a legal right to this information to please stop being stupid and send me my proper paperwork, OR if i never received the itemization of the amount financed i believe that would make the transaction default and none compliance with the TRUTH IN LEND ACT thanks please don't be stupid
|
| Consumer Consent Provided |
Consent provided
|
|
|
8718364
|
2024-04-08
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2024-04-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
i am requesting a full copy of my consumer credit, retail installment contract and all other documents signed the day of the transaction such information is documentary evidence pursuant to 15 usc 44
|
| Consumer Consent Provided |
Consent provided
|
|
|
7800599
|
2023-11-03
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Deficiency balance after repossession
|
| Sub Product |
Loan
|
| Date Received |
2023-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-09
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
My vehicle was repossessed by XXXXXXXX XXXX XXXX and i was sent a letter saying the car was sold for {$1500.00} with a $ XXXX {$11000.00} deficiency balance.. As of today the car is relisted on their website for saleXXXX XXXX XXXX XXXX XXXX Above is the link to the car i had that was repossessed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Above is my registration info for the car. Is it legal for them to try and receive a deficiency balance when they legally didn't sell it for {$1500.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7806125
|
2023-11-04
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Damage caused or loss of personal items in vehicle during the actual repossession
|
| Sub Product |
Loan
|
| Date Received |
2023-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-04
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
On Thursday XX/XX/2023 I was driving to my residence from picking up my XXXX XXXX XXXX at the bus stop. I did not even enter my home when I saw the repo agent attempting to take my vehicle. Currently my husband defaulted on payments due to being in a severe accident involving the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX fractures in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He was hospitalized and underwent XXXX. My husband had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With him being injured we lost XXXX income as well as I had to continuously take off to accommodate him to be able to even see the XXXX. There were many follow ups and appointments. There was even a point where he has complications with the XXXX area and the wound open back up. In the process of recovering an attempt was made by the repo agent assigned to repossess my car. My entire family had just exited the vehicle to enter the house to grab items since my XXXX XXXX XXXX and XXXX XXXX were going to be dropped off at my mother 's. While standing by my front door I see the repo agent reversing to my vehicle. There are XXXX agents XXXX is driving and other one has a make XXXX XXXX XXXX normally used to break into vehicles when locked. My husband and myself run to the vehicle the repo agents run leaving their tool still on my steering column. My husband proceeds to try and get into the vehicle and the tow truck starts to pull off. They did not secure the vehicle properly so the ropes around the back tires come off and car drops due to the fact my steering wheel is locked all the way to the left. My car was in the middle of XXXX cars in the parking lot. In attempting to seize my vehicle they not only dropped my vehicle they hit my neighbors suv on my driver 's side. Both cars sustained damages due to their negligence without any interferment. And in causing the XXXX cars to collide while trying to enter the vehicle the cars sandwiched my husband and hes been pain ever since. When my husband finally secured himself in the driver 's seat he then had difficulty getting the key in the ignition due to the make shift tool used to break into my vehicle. Once he removed the tool he was able to start the vehicle and with no connection or secured line attaching the car he simply drove off and regained the car. The repo agent broke my door in this attempt to the point the door swing open when I make a right turn. The inside door lights will not turn off since the door is now always open. I can fall out the vehicle and if I turn the vehicle off I have to disconnect the battery so that the lights do not stay on and my battery dies. They also hit my neighbors car with their dog in the vehicle. The next day I asked for an account summary on my balance late fees and the paperwork on my reinstatement back in XX/XX/2023. I was given a make shift ledger from XXXX XXXX no heading no secure payment logo. It's not even an official document no signature nothing identifying much. I parked my vehicle blocks away and when I went back to my vehicle i had XXXX flat tires. They damaged my vehicle to the point that it is almost inoperable but I have to pay my rent take care of my husband and our XXXX kids one being a XXXX XXXX XXXX. Everytime they take my vehicle they damage something on the car. This is ridiculous they vandalized my vehicle maliciously and intentionally. Then my lender discloses they can not give me information on the repo company since they are a private party. But that I need to take my damages up to the repo company not them. I want to make a payment but this door is completely broken intentionally and not only my property was damaged but my neighbor as well
|
| Consumer Consent Provided |
Consent provided
|
|
|
3460857
|
2019-12-06
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2019-12-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
6312076
|
2022-12-12
|
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 |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Loan
|
| Date Received |
2022-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5402792
|
2022-04-04
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2022-04-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4699950
|
2021-09-07
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2021-09-07
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-07
|
| Consumer Consent Provided |
N/A
|
|
|
5504865
|
2022-04-27
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2022-04-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9555316
|
2024-07-19
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-19
|
| Complaint What Happened |
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXX XXXX - XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses on my report are incorrect ; please delete them : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX. XXXX XXXX XXXX, XXXX, NY, XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8719368
|
2024-04-08
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| 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 |
2024-04-17
|
| Complaint What Happened |
XXXX NORTH SHORE EQUITIESXXXX XXXX XXXX XXXXXXXX NOTICE OF DEFAULT OPPORTUNITY TO CURE According to the FTC XXXX : XXXX Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.
1. CONSUMER INSTRUCTION A consumers written consent qualifies as an instruction that provides a permissible purpose under this section if it clearly authorizes the issuance of a consumer report on that consumer.
For example, a consumers clear and specific written statement that I authorize you to procure a consumer report on me provides a permissible purpose under this section. However, the consumers signature on a form that includes the statement I understand that where appropriate, credit bureau reports may be obtained is not a sufficiently specific instruction from the consumer to authorize a CRA to provide a consumer report. This language is more in the nature of a notification that a consumer report might be procured, as opposed to a grant of permission to obtain the consumer report.
2. WRITTEN AUTHORIZATION A consumer may transmit written authorization electronically or by facsimile, in addition to regular mail or in person.111 The Electronic Signatures in Global and National Commerce Act ( ESIGN ) ( 15 U.S.C. 7001 et seq., Public Law 106-229 ; XXXX XXXX XXXX ) provides that a consumers consent is not invalid merely because it is communicated in electronic form. A consumers electronic signature may be an acceptable method of providing written instructions under the FCRA. To be valid under the ESIGN Act, electronic authorization must be in a form that can be retained and retrieved in a perceivable form. Whether an e-mail, a mouse click yes, or other electronic means clearly conveys the consumers instructions depends on the specific facts.
NORTH SHORE EQUITIES, you are not a Furnisher of information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 603 ( f ) of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 603. ( d ) ( 1 ) ( A ) of the FCRA making you NORTH SHORE EQUITIES, a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 609 ( f ) ( 2 ) ( A ) ( i ) The FCRA is public law and ignorance to the law is no excuse pursuant to " 620 of the FCRA any officer or employee found responsible You are liable for your actions of knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information you are indebted {$5000.00} for such violations in accordance with the FRCA, please note i may take action against any related person for the corporation which they can be held liable for the fine directly and face jail time ________________________________________________________________________________ " Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.
A consumer reporting agency may furnish a consumer report under the following circumstances and no other pursuant to 604 ( 2 ) In accordance with the written instructions of the consumer to whom it relates Permissible purposes of reports and under any other reason under 604 of the Fcra failed to comply with the requirement imposed under the FCRA pursuant 604 " ( 2 ) i have not given you any written consent to furnish a report on my behalf, for your actions of creating a consumer report on my behalf without consent pursuant to 616 of FCRA you are liable to i the consumer for such failure in an amount equal to the sum of " actual damages of my reputation and a violation of my rights to privacy has caused me to lose financial credit opportunity as a result of the failure to follow the requirements set forth by congress Pursuant to 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. You failed to respect my privacy and are sharing my information with out my authority as a consumer reporting agency you failed to maintain reasonable procedures to limit the furnishing of consumer reports to the purposes listed under section 604, such action is in violation of the fcra " 607 ( a ). Compliance procedures, pursuant to " 616 ( 1 ) you are liable to i the consumer for such failure in an amount equal to the sum of " actual damages of my reputation and a violation of my rights to privacy has caused me to lose financial credit opportunity as a result of the failure to follow the requirements set forth by congress as a consumer reporting agency you failed to maintain reasonable procedures to limit the furnishing of consumer reports to the purposes listed under section 604, such action is in violation of the fcra " 607 ( a ). Compliance procedures '' 617. You're liable for your actions of negligent noncompliance of the rules set forth under the FCRA your liable to i the consumer as a result of your failure to follow the requirements of the FCRA in a amount of _____ for damages sustained as the result of your failure to follow requirements of the FCRA A consumer reporting agency may furnish a consumer report under the following circumstances and no other pursuant to 604 ( 2 ) In accordance with the written instructions of the consumer to whom it relates Permissible purposes of reports and under any other reason under 604 of the Fcra failed to comply with the requirement imposed under the FCRA pursuant 604 " ( 2 ) as i have not given you any written consent to furnish a report on my behalf, for your actions of creating a consumer report on my behalf without consent617. You're liable for your actions of negligent noncompliance of the rules set forth under the FCRA 604 ( 2 ), your liable to i the consumer as a result of your failure to follow the requirements of the FCRA in a amount of _____ for damages sustained as the result of your failure to follow requirements of the FCRA In addition i aware a financial institution may share my non public information to consumer reporting agencies in accordance with the GLBA, according to the cfpb interpretation of the FCRA quoted as followed __________________________________________________________________________ https : XXXX A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and information such as their credit scores with another financial institution to jointly market or sponsor other financial products or services. This communication may be a consumer report under the FCRA and could potentially cause the sharing financial institution to become a consumer reporting agency.
Even if as a financial institution if you shared non public information of a consumers, customer such information is consider a consumer report according to the FTC interpretation 5. REPORT CONCERNING A CONSUMERS ATTRIBUTES AND HISTORY. Information that does not identify a specific consumer does not constitute a consumer report even if the communication is used in part to determine eligibility.
However, information may constitute a consumer report even if it does not identify the consumer by name if it could otherwise reasonably be linked to the consumer.
____________________________________________________________________________ https : XXXX My name address, social security number, account number and payment history was shared with XXXX, XXXX, XXXX under the GLBA but the Cfpb told use such information can be a consumer report and the GLBA does not supersede the FCRA those for your in default obtaining my information and using my information to repeated share as a consumer report I am giving you my wirrten instructions to you to remove my information from all consumer reports and upudat the credit bureaus and demand a removal on my tradeline as you have no consent to furnish such information to any person With Explicit Reservation of all Right, Without Prejudice UCC 1-308 .
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8760832
|
2024-04-11
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
North Shore Equities, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with additional products or services purchased with the loan
|
| Sub Product |
Loan
|
| Date Received |
2024-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
hi i am requesting a copy of my retail installment contract including all documents signed the date of transaction, to see if repossession was lawful and legal thanks i need the itemization of the amount financed, on XXXX XXXX XXXX XXXX XX/XX/11 i called the bank and asked and was hung up on XXXX times due to the fact the XXXX who answered the phone didn't like what i said when i have a legal right to this information to please stop being XXXX and send me my proper paperwork, OR if i never received the itemization of the amount financed i believe that would make the transaction default and none compliance with the TRUTH IN LEND ACT thanks please don't be XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
