| 12/27/2016 |
No |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I submitted a dispute regarding Houston finance and how it was reporting on my credit and they stated that they would remove the reporting from my credit and it has not been updated. Please see below.
Case number : XXXX Back STATUS Response disputed Houston finance said : Explanation of closure We will delete the account from all XXXX Credit Bureaus.
Response We never received direct communication from XXXX XXXX concerning her credit bureau rating. We did get a dispute from the Credit Bureau which we responded was correct. Her account was due to pay out XXXX/XXXX/XXXX. XXXX paid the account out XXXX/XXXX/XXXX which was over 120 days late. We will delete the account from all XXXX Credit Bureaus due to the fact that we did get paid and it was a long time ago.
WHAT HAPPENED Describe what happened so we can understand the issue ...
Houston finance has been paid off and closed since XXXX and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Consumer Loan : Installment loan Which of these best describes your issue? Managing the loan or lease DESIRED RESOLUTION What do you think would be a fair resolution to your issue?
This account needs to be deleted from all XXXX credit bureaus for violating federal and state laws of consumer reporting.
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| 05/26/2017 |
Yes |
- 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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I did a preliminary application with XXXX XXXX to see if I could be pre-approved for a loan, however I was not aware that they were a sister-company f or Houston Finance in which I had previously had a loan. The company pulled my report without my knowledge, and when I contacted them to inquire about the preliminary application that I had submitted they then proceeded to inform me that they could not give me a loan because I 've had one before with their sister-company which was fine but I had no idea they had pulled my credit report until I viewed my credit report. I then called them to ask why would they pull that knowing that I had, had a loan with their sister-company but the representative could not give me a valid answer. It is unfair to consumers for these companies to without knowledge to the consumer to pull credit reports before verifying whether or not the consumer has been a previous client.
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| 03/31/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I was laid off due to covid starting XXXX and I fell behind. I notified the company tried to make small payments out of good faith. I asked that they please stop reporting late payments to the XXXX credit report and they refused. As a result, they reported 6 late payments to my Equifax report which caused my payment history to go from 100 % to 90 % and a decrease in my score by 48 points.
Til date, they're still refusing to remove the late payments. I've been a loyal customer and I paid on time up until being laid off due to Covid.
Please help as I'm still a loyal customer with XXXX but I'm in the process of trying to purchase a home abd I'm having a hard time due to the payment history on my XXXX report.
This is a Covid issue, or else I would've been able to pay.
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| 11/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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i received a {$100.00} loan from this company. i owe this company less that {$30.00}. I lost everything in Hurricane Harvey and have been displaced for 2 months. I explained to the representatives at the loan company that i was displaced. I lost my home and cars in the hurricane and once I 'm stable i would contact them to pay off the small balance. This company continued to call me, particularly a staff named XXXX, every day. I kept saying the same thing. She has even gone as far to call my references. I contacted XXXX today, XXXX/XXXX/2017 and asked her again to please cease contacts to me. She stated " I did not contact you, i called your reference ''. This is flat out harassment! Especially after i specifically explained my situation and my intentions.
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| 06/01/2017 |
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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While reviewing a recent copy of my [ XXXX ] c redit report I noticed acredit inquiry by your company that I do not recall authorizing. I understand that you are allowed to put inquiries on my file, but only if I have given my authorization. Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue. I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed. If you find that I am mistaken, then please send me proof of my authorization. Thanks in advance, XXXX XXXX XXXX
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| 07/03/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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Houston finance has been paid off and closed since 2012 and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.
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| 09/26/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I have contacted the company and informed them of my financial situation and told them I would pay in smaller amounts and then pay off once I get my income taxes. I have been unable to make payments and the company keeps calling texting and emailing me.
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| 08/24/2023 |
Yes |
- 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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| 04/27/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 08/04/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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