| 09/27/2022 |
No |
- 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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Since XX/XX/2022, my credit score and financial opportunities continue to suffer significantly due to an error and poor communication between creditor, Helm Associates and credit reporting bureau, XXXX. I have tried tirelessly to work with both parties to help them correct their error to no avail. I have received broken promises that the error wold be cured and now I receive no updates at all and error still remains with a significantly negative impact on my report. In XX/XX/2022, XXXX listed a {$340.00} balance on my report with creditor, Helm Associates. The account did not have any outstanding balances and was paid off in XX/XX/2022 with on time payments for over 3 years. The credit report was to be corrected to reflect the account was closed/paid as agreed with {$0.00} balance, on time payments ( NO Lates! ) for 3+years. Instead of applying the correction showing {$0.00} balance due on closed account with starting balance of {$15000.00}, XXXX deleted the account from my report as if it never existed, causing my credit score to plummet as it was my oldest account. The account was erroneously deleted from my report on XX/XX/2022 and I have painfully paid the price ever since. I have written XXXX a couple times in XX/XX/2022 to provide all details proving the error to be corrected but they have only revised my address of residence on credit report, confirming receipt of my correspondences. XXXX provided me NO updates on the progress on the resolving the error on my report. They have later advised they do not provide updates via phone calls, emails or mail. After noting that my complaint was ignored, I filed complaint online through XXXX XXXX and also called XXXX ( and Helm Associates after XXXX insisted creditor must fix ). Since early XX/XX/2022, I have been taken through so much hopeless turbulence between XXXX and creditor, Helm Associates. While both parties have acknowledged the error that only they can fix, they continue to point fault and blame at each other while insisting error would be corrected as I am the consumer to continue to pay the price of their incompetence. I have called and talked to Representative, XXXX XXXX at XXXX XXXX. who explained that XXXX suspended them from allowing any corrections or reporting on reports for a duration of time but would have report corrected as soon as allowed. To date ( XX/XX/2022 ) the error remains and the good reporting history does not appear on my report. I have paid over {$15000.00} for a car that valued at less than {$7000.00} for the benefit of building credit since I had no credit 4 years ago. I have paid a great price for this benefit only to have the same opportunity kill my report by the credit system error! This is double robbery. I am asking for your assistance to get involved and investigate/review this scenario and enforce both parties to expedite a process to immediately correct my report to reflect my exceptional pay history to creditor, Helm Associates XXXX I also seek review for civil damages during the extended time that my report was incorrect and causing me to be denied for extended credit that was needed. It is my wish that this is cured in less than 30 calendar days as I have been more than patient and continue to suffer in these economically distressed times we are encountering in our country ; it is no secret. I am attaching text communication between XXXX and I and will provide documentation of my car note and satisfied payments to credit upon request. Creditor will also confirm timely payments and satisfied account.
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| 06/20/2022 |
No |
- 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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On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my XXXX credit report ; which indicated that my current and good standing auto loan with Helm Associates had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX XXXX XXXX to a XXXX XXXX XXXX. This information is inaccurate ; as I still have an auto loan through Helm Associates. My auto loan with Helm Associates is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other Saturday ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday.
On XX/XX/2022, I contacted Helm Associates and spoke to XXXX at about XXXXXXXX XXXX inquiring about the change to my XXXX credit report ; as I did not receive a phone call or correspondence by mail or email from Helm Associates alerting me of this issue. During my phone call with XXXX, XXXX informed me that Helm Associates is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with Helm Associates. XXXX also stated, XXXX XXXX, the controller for Helm Associates, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least seven phone calls to Helm Associates and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXXXXXX XXXX requesting assistance with this issue but this is still unresolved.
As of today, XX/XX/2022, a month later, my XXXX credit report has not been updated indicating that I currently have an auto loan with Helm that is current and in good standing ; as this information is still missing from my XXXX credit report. While this information has been removed from my XXXX credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points.
Phone call dates : XX/XX/2022 at XXXX XXXX Spoke to XXXX XX/XX/2022 at XXXX XXXX - Spoke to XXXX, placed on hold, was on hold for 22 minutes XX/XX/2022 at XXXXXXXX XXXX XXXX No Answer XX/XX/2022 at XXXX XXXX - No Answer XX/XX/2022 at XXXX XXXX XXXX No Answer XX/XX/2022 at XXXXXXXX XXXX - No Answer XX/XX/2022 at XXXXXXXX XXXX - No Answer
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| 11/13/2022 |
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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I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Helm Associates to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Helm Associates has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Helm Associates has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.
-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ).
-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means a repossession should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Helm Associates has caused harm by illegally repossessing my vehicle and by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.
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| 11/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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On XX/XX/2015, Helms Associates responded to a complaint I filed via CFPB and advised me that they would delete the tradeline off XXXX credit report. I have a copy of my XXXX credit report dated XX/XX/2015, an Helms Associates is currently reporting this account to XXXX and updated this account on XX/XX/2015. This account should have been deleted not updated on my credit report. Helms Associates are in non-compliance. This is Helm Associate exact response from the complaint I filed XX/XX/2015 and their reponse on XX/XX/2015 " This is in response to the above-referenced complaint, which was forwarded to this office on XXXX XXXX, 2015, and assigned Case Number XXXX. '' " After a thorough investigation, our records indicate that the last direct contact with XXXX XXXX was XXXX XXXX, 2015, at which time he wanted to voluntarily surrender his vehicle. Since then, we have no record of the customer attempting to contact us directly, in regard to a validation of debt request ''. " However, we did receive a request from XXXX on XXXX XXXX, 2015, requesting the accuracy in reporting of XXXX account ''.
" After reviewing the information provided from XXXX and our own internal notes, we responded on XXXX XXXX, 2015 stating that the information previously provided was accurate ''. " Even though we believe we acted appropriately as authorized by contract or law, Helm Associates will grant, as a goodwill gesture, XXXX XXXX desired resolution to remove our trade line information from his credit report ''. " Please be advised that XXXX is our only credit reporting agency ''.
" We pride ourselves on working with the customer to resolve any issue brought to our attention ''. " As always, Helm Associates makes every effort to fulfill all reasonable requests ''. " If I could be of further assistance, please do not hesitate to contact me ''.
" Respectfully submitted, XXXX XXXX, XXXX XXXX ''
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| 05/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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In XX/XX/XXXX purchased a XX/XX/XXXX Chevy Impala. Since then I believe the car sold to me is a lemon. In the past year I have experienced many different problems, along with constant recalls from the transmission and the ignition which is linked to accidents. None of these problems have been fixed. I recently took the car into a service center and they informed me of not only the problems I was aware of, but also they then informed me not only was the car not worth the blue book value, but the engine was going to fail probably within the next week. I have since then decided to turn the car back into the place of purchase and have called and informed of the decision to return the car. Since then I have received constant harassing phone calls from them, but I have informed them I ca n't bring the car in because they have zapped the car so I am unable to drive the car to them. I did inform them the location of the car so they can come and retrieve it. During the entire process I feel as though I have been disrespected by several members of their staff and was not dealt with in a professional manner. I also feel as though they have threatened me and told me how " they '' will handle the situation. There is a right and a wrong way to deal with a customer, and their customer service has been appalling. My final conclusion is that B & B Auto is a company that is not honest and will sell a car to anyone if it means them making a dollar. They are disrespectful and do n't value their customers. Sadly I have heard this about them before, but now I have experienced it for myself and will not be recommending them to anyone.
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| 10/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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TO WHOM MAY CONCERN MY NAME IS XXXX XXXX, IM WRITING THIS DISPUTE WITH HELM ASSOCIATES # XXXX 'M REQUESTING TO HAVE THIS ACCOUNT REMOVE FROM ALL TREE CREDIT REPORTING AGENCY.I NO LONGER HAVE AN ACCOUNT WITH HELM ASSOCIATES.I HAVE RETURNED THE XXXX GRAND MARQUIS.I PAID XXXX FOR IT AND THE BLUE BOOK VAUE IS BETWEEN XXXX TO XXXX.THIS COMPANY IS A RIP OFF, I DONT OWE THEM ANY MONEY. HELM ASSOCIATES WORKS WITH XXXX, THEY ARE GIVE THE CAR BACK TO XXXX TO SELL AGAIN.MY DEBT I HAD WITH HELM ASSOC IS PAID IN FULL.PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AS SOON AS POSSIBLE.THESE CARS ARE OUT DATED AND BARELY RUN GOOD.PEOPL ARE BEING TOOKEN ADVANTAGE OF.THIS IS NOT THE FIRST COMPLAINT AND I DOUBT IT WILL BE THE LAST.I SPEND TO MUCH MONEY ON XXXX COMPANY HAS CAUSED ME TO BECOME HOMELESS.THEY ONLY OFFERED TO TRY TO GET ME TO KEEP THE CAR AFTER I WAS ALERTED ABOUT HOW THIS COMPANY IS RIPPING PEOPLE OFF.ITS A SHAME AND SOULD BE AGAINST THE LAW FOR THEM TO WORK WITH XXXX ANS SALE THESE OLD RUN DOWN CARS. I THINK THE XXXX SHOULD KNOW ABOUT THIS COMPANY AND SHUT IT DOWN.I DO NOT OWE HELMS ASSOC ONE CENT.I WAS TOLD THAT CAR WAS WORTH XXXX AND NOT EVEN WORTH A TRADE. PLEASE REMOVE THIS FROM MY CREDIT FILE. THANK YOU COMPANY HELM ASSOC XXXX XXXX XXXX XXXX PA,XXXX XXXX
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| 10/22/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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on XXXX/XXXX/2015, I filed an dispute with Helm Associates. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Helm Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Helm Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Helm Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Helm Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
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| 07/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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|
Web |
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I XXXX XXXX entered into a consumer credit transaction with B & B Automotive on XX/XX/XXXX, where I got a XXXX XXXX XXXX. The finance charge was {$3300.00}. A year later I then entered into another consumer credit transaction on XX/XX/XXXX, where i got a XXXX XXXX XXXX. The finance charge was {$4200.00}. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 U.S. Code 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting their statement ( bill ). On XX/XX/XXXX i received a bill which is a violation of 15 U.S. Code 1692b.
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| 08/18/2021 |
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 have a loan with HELM ASSOCS. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
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| 08/30/2021 |
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 have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
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| 08/30/2021 |
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 have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
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| 05/11/2016 |
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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I purchased the vehicle through B & B Automotive. Within the first 24 hours i had nothing but issues. So bad the car was taken back and put in the shop for 24 hours. From that point on i have nothing but problems with my car. It was in and out of the shop 8 times within 30 days. Within my rights as a consumer they had told me that i could return the car for another car because that car was considered a " Lemon '' but i could n't put it through the Lemon Law Act because it was a 2005. At this point they picked up my car and reported that i turned it in voluntarily. Which was not the case.
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| 03/24/2020 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I asked for an extension just for a few days because i was unable to make my payment on the date it was due. I'm currently out of work because of the coronavirus and have been since social distancing started. I work face to face with clients and im commission based so if i dont work i dont get paid. The loan company has the ability to shut the car off using a passtime device so ive been having to gas up 24/7 just to keep my car on because once i turn it off i wont be able to turn it back on until its paid and these people do not work with you AT ALL.
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| 02/19/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason The Helms Association decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA
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| 08/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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FTC filed HELM ASSOCIATES debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
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| 08/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I have a repo for an auto loan but I never received the amount that say they sold the car for. On my credit report it say about XXXX but when I talked to someone the said XXXX. I want proof of the correct amount the car was worth and sold for. If not I would like it removed from my credit. I also dont think I should have to pay XXXX in interest. Please help
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| 06/15/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This account is no obligation of mines 15 usc 1692b. The creditor stated account was accurate however a full investigation wasnt done 15 use 1681 ( A ) ( E ). Other Violations 15 usc 1692f, 15 usc 1692e, 15 usc 1692j, 15 use 1681 ( b ) ( A2 )
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| 02/23/2022 |
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
|
|
Web |
|
|
Someone was suppose to handle the situation.
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| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 05/12/2022 |
No |
- 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
|
|
Phone |
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|
| 01/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/01/2021 |
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
|
|
Web |
Servicemember |
|
|
| 07/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/19/2019 |
No |
- 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
|
|
Web |
|
|
|
| 05/17/2019 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/05/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/11/2017 |
No |
- 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
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
- Bank account or service
- Checking account
|
|
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Phone |
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