Innovate Managed Holdings, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33023	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. INNOVATE LOAN SERVIC bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Iowa XXXX CC : XXXX- TXXXX XXXX XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX , FL 3XXXX CC : XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
08/25/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 76132	Web	Servicemember
I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX. I went on XXXX in XXXX to XXXX with the United States XXXX. While I was gone XXXX XXXX sold my contract to Innovate Auto. When I got back from my XXXX the counselor from the Veterans Administration in Virginia told us while we were on XXXX that our interest rate on our credit cards and our cars should be at 6 % and to let our finance companies know so they could adjust accordingly. I got back in XXXX XXXX and I got in touch with XXXX XXXX who informed me of the sell to Innovate Auto so I contacted Innovate Auto. Innovate Auto told me I need to send them my orders from my XXXX and they gave me the email address to send them to. I sent the orders over to them. I called soon after and spoke with someone who said the orders were never received and asked me to resend them over, which I did. I called again and spoke with someone different who said they see the orders were received and they had been sent over to the team that would handle them and get me taken care of. I never heard anything from them so I called again, only to speak to someone who said they never received anything from me and I would need to send it over to them. I asked for a supervisor whom I was told is not available just to send over the paperwork and they gave me the email address again. I asked them if they could please look through all the notes on my account and see if they see anything about my orders. They finally looked and then said well we received some information, but it is not what we needed from what I am reading, please resend the information. I have sent over my orders several times and never received a follow up email from anyone to say there were received and every time I call they say we have nothing please resend them. I dont understand what the run around is about because like clockwork they call me every month for a payment and as soon as I ask about my 6 % interest that I should have gotten from XXXX they say they know nothing about that and have received no paperwork. It is very inconsistent and very unprofessional on their part and I dont understand what kind of business they are running where they can be comfortable giving faithful customers who help them stay in business the run around. Finally one day I was able to speak with a supervisor named XXXX who took the time to look through my account after going back and forth and him saying they have nothing and I need to send paperwork confirming what I am talking about. He saw the orders and said he is printing them and getting them over to the right department so that I can get taken care of. I really appreciated speaking to someone who took the time to look at everything and understand where I was coming from, and actually see that I had sent in that information over a year ago. Months went by and I did not speak to XXXX again so I called asking for him only to get that he is not in and I was transferred to his voicemail and left several messages that were never returned. Finally, one day I was transferred over and he accidentally answered and stuttered at his surprise in speaking to me. I said XXXX I am following up with you on my 6 % that I should be receiving from my orders to XXXX. He said let me look and see what they said. He said they said you had to be on XXXX while we had the car and you were on XXXX in XXXX and we cant go back that far. They were actually looking at the instructions and policies and procedures. I was very confused because the information on my orders are very clear. I went through the orders with XXXX and showed him where the actual dates are. I then questioned the specialist they have in charge of military information because if they do not know how to read the orders or understand them, what help are they to their faithful customers. He agreed they need to get a better process in order to help faithful customers better. At that time XXXX said he was going to highlight the information to show the specialist my actual XXXX dates so they can go ahead and take care of my 6 %. XXXX apologized for the confusion and thanked me for my service and promised to get it all taken care of and said he would give me a call within a week. I have not heard from XXXX since and this was way back in XXXX or XXXX. I call often trying to speak to him and everyone says they are taking a message and giving it to him. I have even left several messages on his voicemail that they have transferred me to. I asked is he still employed there and they say yes, but I guess he just does not want to speak to me. They call me monthly several times to ask me about my payment and I always ask them is XXXX available and they say no so I ask have they fixed my account yet for my 6 % according to my orders from my XXXX and everyone I have spoken to says we dont have any record of any orders you have to send them to ; and they give me the email address to send my information to. I was making my payment slowly because I know they owe me the 6 % and I was hoping and praying they would do the honorable thing, their job, and look over my account and see that I was on XXXX from XXXX XXXX until XXXX XXXX. I would like a resolve to this situation. I believe I have done everything I could have done to try to get things handled in a professional way, but I have not had any cooperation, from this company. I do not understand how such a company can be comfortable presenting themselves in this manner and taking peoples hard earned money without first caring about them as a faithful customer. I dont believe this company, Innovate Auto realizes, it is the faithful customer that allows each and everyone of them to come into a job each day and the faithful customer can bring all of that to a hault. I was holding off paying my car off because I did not want them to say well her care is paid off now we should not have to give her anything and being the kind of company they are which in my eyes is sneaky, uncaring, and trifling, this is the only thing I expect from them because this is all theyve shown me. However, waiting to make payments and being late with my payments is only making my credit get worse. This is a serious cry for help to the Consumer Financial Protection Bureau to help me with this company. I have exhausted all efforts to get these things handled, and because I am just a little faithful customer with a car payment they treat me like trash with no appreciation that I am a part of the reason why Innovate Auto still exists. I have attached emails that I have sent to the company with my orders that were sent to them. I sincerely thank you and appreciate your help in this serious matter. Have a wonderful day.
11/12/2019	Yes	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	TN 37042	Web
On XX/XX/XXXX I signed a contract with a buy here pay here car lot company for my car. I was being financed a total of {$14000.00}. I put down XXXX that day my annual percentage rate of 18 % & I have faithfully paid my payments every month sometimes even two payments ahead for that next month. In the middle of my contract & paying for my car the car lot ended up closing down & selling Off all their contracts to finance companies. With this I was not aware they had done this so 2 all of my payments for 2 months were being paid to the original website payment without me realizing that it was slowly being returned to me but taking too much time & so in XX/XX/XXXX I wake up to go to work & my car is missing & I find out that the finance company that took over my account repossess my car for nonpayment. once I figured out thats what happened to my car I contacted the company & discuss the whole situation the confusion & ended up having to pay for the repossession fee, the car storage fee & the payments that they were missing no problem. Moving on from that I made my payments faithfully again as time went on fast forward to XX/XX/XXXX my payments have come to a complete 100 % paid off.. showing on my XXXX XXXX account they updated my loan as paid in full.. when logging into my online account portal with the finance company its also showing theres no payments due & that its done Paid in full. So I celebrate thinking that Im clear with my car. Fast forward to XX/XX/XXXX I wake up get ready go to get my car & its gone so now Im really confused because theres no reason it should be gone Im thinking my car stolen. I called the police they tell me its been repossessed & Im confused so I called the finance company that I had been working through Before & the woman agent that I speak with tells me theres no reason why my car should be repossessed because The account is telling her that Im good, paid in full, & free theres no payment due & I ask her to doublecheck she again says that Im good so I hang up with her & I called the towing company to try to figure out where the confusion was & they said that they had to get back to me after they talk to the finance company & 5 hours later I get a call from from the finance company but its a different agent lady.. now saying that Im not paid in full that Im owing almost {$3000.00} on my account & that the previous agent was somehow mistaken. I then tell her thats impossible & ask her how is this possible because Ive been paid off since XXXX On top of that I have received no type of contact from them, recieved no bill in the mail telling me I owe them anything, no calls from them, my credit reports has been updated by them saying auto loan paid in full, when I login to their online portal to pay my payments It is saying that I have no payments due, theres no way I can even make a payment on the account even if I wanted to & so this is a mistake. The agent was very reluctant to help me didnt want to discuss the account, tells me that I cant get my car out until I pay them the {$3000.00} in full or theyre going to auction off my car & then when she was getting frustrated with me she decides that she wants to just transfer me to a voicemail so I get transferred to the voicemail I leave a voicemail & I wait all day for return call but dont get one. I called the next day get a new person who also said they cant help me & that theyre going to transfer me to the manager & that they promise that Im gon na hear back from them so I get transferred again, I get the voicemail the manager leave another voicemail still dont hear back from them so now Im on day three of my car being gone not being able to work. Call them again get another agent this person just wants to transfer me right away without even speaking with me but I asked them to not transfer me & to go through every payment with me on the account to make sure that were clear up the mistake so I can get my car & we discover that there is some parts of payments that Ive made that hasnt even been added to the account or notated in the past.. also they are saying that with one of my payments made was used for the reposseion fee from before but was supposed to go to my interest & when they realize they made a mistake they retracted that payment for my interest and not making sense. So going back-and-forth not adding anything up with this agent and dealing with the attitude of her not wanting to be helpful I of course got transferred again. They did not send me a 10 day notice on time after repossessing the car the notice failed to tell me what the full payment amount was that they are trying to say I owe on the account. every time I call I get transferred. I sent them a certified letter for a debt validation report from them & I still have not received anything type of communication back from them or reply or any information. it is now XX/XX/XXXX I am about to lose my job Because of not having my car. my car is still sitting in the impound lot & the storage fee for my car sitting there is adding up & adding up each and everyday and Ive still not gotten nowhere with these people they dont wan na help, they dont communicate, they have not follow the rules or proper procedure of repossessing my car & Im sitting here not knowing what to do.. I have paid all the loan off and this is how I they treat their customers who actually pay all the way to the end of the agreement when I know they have customers who dont even come close to making it To the halfway Point of a contract. I am a single mother trying to work hard to provide for my kids. i just lost my baby brother to XXXX on XX/XX/XXXX just a week before they took my car away. I am a good person who just needs her car back so she can continue to provide for my babies please
10/15/2018	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 781XX	Web
I had initially gotten a loan through through a company by the name of XXXX XXXX XXXX in XXXX of 2016. The payments that i had agreed to was around 380 a month, and i would usually pay early payments, or sometime even divide my payments up into 4 payments a month, and pay every week, as well as paid extra to pay down the balance. 8 payments later i receive a phone call from a company by the name of Innovate Auto Financing telling me they purchased my loan, and gave me the website where to set up an account to make payments to going forward. At first i did not think anything of it until i had asked if i had any paperwork to confirm, sign, or agree to and they told me that it had already been taken care of. I expressed how i didn't agree with this, however they informed me that I really did not have a choice that it was between my previous loan company and themselves. I then googled this companies name and saw nothing but negative remarks on XXXX, XXXX XXXX XXXX, their own company website, etc. on how they always buy existing loans from other companies, they have rude customer service, incorrectly distribute your payments with no explanation, they do late and incorrect credit reporting etc. I did not want this company to assume my loan due to this.I called XXXX and they told me that they had none of my information including contracts, proof of previous payments, or anything that to do with my account because it had already been sent to them. They did not report my payments or account balances regularly, and only to one of the three bureaus. I immediately began to receive calls soon after stating that i had an overdue balance of XXXX dollars that never was received from the previous company. I called Innovate auto and explained to them that i did in fact make the payment, and also provided bank statements and proof of the payment i made. They would place me on hold and transfer me to a supervisor where id leave a voicemail and wait for a callback, I never would get one.They told me that they could not verify the payment unless XXXX sent it to them and continued to attempt to collect payment, call me continuously, charge interest and late fees to my account for months until they located the payment i assume. Numerous times i would have to call my banking service and have customer service on the line in a three way call in order for them to confirm a payment that had been made months and months in advance and that they could not locate, only to still be charged interest on the payments that they could not locate. Every month after i made a payment, i would receive a statement in the mail letting me know of the payment i had due, as well as the distribution of my last months payments towards interest/principle that would fluctuate. Some months it would say that XXXX of the XXXX dollar payment i made went towards interest, while a negative amount was applied to my balance. Sometimes it would show that only a couple tens of dollars went toward it. There was never an average or simple interest distribution towards my accounts principle that can be calculated to see where the money i was paying would go. Every time i called Customer service was in fact rude. They would hang up on me at times, as well as tell me things like " they're not mathematicians '' when i would ask questions as to why i was being charged so much. At times i would pay extra, they would take the extra that i payed and apply it to the next months balance, and continuously keep doing that instead of applying the full payment to my account. I asked them why and they said if i wanted it to go towards my account i would have to call them, and let them know how i wanted it applied every payment. I grew tired of the inconsistencies, so i finally called and asked the company to send me a breakdown of my payment history. After many months of steadily asking weather they were going to send me anything, what they sent me was to printed sheets of paper that showed three or four payments a month, when i only made one payment a month with this company. It didn't show a starting balances, ending balances, my rates, none of my information, etc at all, just the multiple payments with different distributions in each one. This paperwork too was unofficial, and inaccurate so i began to question the morality of it all and asked for them to send me a copy of the contract they received from the previous Company. They then told me that they are not going to send me one because i should have had all of that information when i left the car dealership. I told them i knew what i signed for from the dealership but i was curious as to see what they had and were showing to see why i had been charged so inconsistently. They then told me that i had an interest rate that is above the legal limit in the state of Texas. When i informed them about this they'd either hang up on me, transfer me to a voicemail which id never receive a callback, or they'd just simply be smart and argue with me. They belittle you and tell me things like your just trying to get a free car because you cant afford one and numerous other demeaning things that frustrate you to the point that you just don't want to deal with them anymore. Instead they should be informative, fix your account and adjust your payment distribution to where your account shows a correct balance.since they have not provided me me with any paperwork i have stopped paying them and stored the car. They continue to report late payments, despite attempting to correct my accounts balances, or even provide me with any type of paperwork.
06/09/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 75104	Web	Older American
The company of which I financed my car, Innovative Auto Finance, is an absolutely terrible company when it comes to communicating with their customers. I asked for an extension for my vehicle for XXXX 2017, as a first time request and I was contacted today by a XXXX and told that they denied it. It is more than a month later that they told me this and I had no money to give them because I was told that if I was not contacted within a week, every thing was ok. Now XXXX called to collect a debt. The company never keeps notes of previous conversations and the call was very upseting. I had to repeat myself over and over again because I was so upset and I am XXXX . Here is a recap of what was sent to their customer service emal per XXXX today. There was no reason for them to deny a person with a great track recored an extension because they know that they are swendling people with there over-exuberaed costs. I am paying almost four times what the car is worth, but my situation called for getting the car from the company in XXXX XXXX --yet, the previous finance company sold to Innovative Finance a year or so ago. I just spoke with XXXX today and I am highly upset with the way your company has treated me as a customer. The communication is terribly disorganized. Last month because of several incidents: 1. Bought 2 tires and a battery 2. Had to pay taxes on my house 3. Had an terrible incident with a neighbors pit bull and the neighbor refused to pay me for expenses spent. I have listed the email below and I also contacted the Texas Attorney General about my injury. I have been a loyal customer and I do not expect special treatment but I do expect that communication is better than what it is. The last customer service person told me that my request for an extension would be reviewed by management and if I did not hear anything in a week, it would be ok. I never heard from anyone. So, I get this call today from XXXX saying that my request for an extension for XXXX had been denied and that is almost a month later and that is terrible. I know that tires and batteries are normal wear and tear but I specifically explained all of my situations today and on the call from last month. To receive a call as such today was shocking. I plan on making the normal payment of $ XXXX on Wednesday for XXXX paymentbelieving that XXXX was deferred. On one occasion, some months ago, your company called me about payment and the payment was in their system. The customer service representative apologized and I called and left a message; however, no one ever called me back to say I am sorry. I enjoyed the company that I originally financed the car with until your company, Innovative, bought that company out and my how much of a difference it really is. I will expect that you will reconsider my request for an extension today and look forward to your speedy reply. Ill send a copy to CFPB just in case. Thank you. XXXX XXXX XXXX XXXX XXXX , did you make a police report with the pit bull incident or do I need ... XXXX , XXXX XXXX XXXX to me XXXX XXXX , The officers that responded did not file report of the incident, but there is a callsheet documenting the incident, under the address of XXXX XXXX . XXXX XXXX Senior Animal Control Officer Police Department "A state recognized law enforcement agency" XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Tx. XXXX XXXX From: XXXX XXXX [mailto: XXXX ] Sent: Thursday, XXXX XXXX , 2017 XXXX XXXX To: XXXX , XXXX Subject: Report XXXX XXXX XXXX XXXX to XXXX Ok. Can I go and ask for that? XXXX , XXXX XXXX XXXX to me Yes, you can go to the Police Department and ask for an open records request. The Event number for the callsheet for XXXX /2017 is XXXX . From: XXXX XXXX [mailto: XXXX ] Sent: Monday, XXXX XXXX , 2017 XXXX XXXX To: XXXX XXXX Subject: RE: Report Recipients Thanks. On XXXX XXXX , 2017 XXXX XXXX , " XXXX XXXX " wrote: Yes, you can go to the Police Department and ask for an open records request. The Event number for the callsheet for XXXX / XXXX /2017 is XXXX . From: XXXX XXXX [mailto: XXXX ] Sent: Monday, XXXX XXXX , 2017 XXXX XXXX To: XXXX , XXXX Subject: RE: Report Ok. Can I go and ask for that? On XXXX XXXX , 2017 XXXX XXXX , " XXXX XXXX " wrote: XXXX XXXX , The officers that responded did not file report of the incident, but there is a callsheet documenting the incident, under the address of XXXX XXXX . XXXX XXXX Senior Animal Control Officer Police Department "A state recognized law enforcement agency" XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Tx. XXXX XXXX From: XXXX XXXX [mailto: XXXX ] Sent: Thursday, XXXX XXXX , 2017 XXXX XXXX To: XXXX XXXX Subject: Report XXXX , did you make a police report with the pit bull incident or do I need to because I don't think the resident was serious when we talked. I won't get into the details but I think he just wants this to go away and I asked him to at least pay for my list pay and other medicinal as he said he wanted in writing so now he is ignoring even that request so I need to make the right protocols. The police that came should have reported it. image001.jpg (6K)
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75098	Web	Servicemember
Innovate Loan Servicing is reporting false information to XXXX reporting. On XX/XX/XXXX, I opened a CFPB complaint ( XXXX ) with XXXX XXXX XXXX. They got back to me and told me that reporting is done by Innovative and that this would stop being reported and removed from my credit due to the other companies faults. On XX/XX/XXXX, 1 : Innovate removed on account that had a collection fee but there is another that shows a repossession which the vehicle never was. They removed an existing account and left the one with false information and bad remarks open which affects my credit score. 2 : it shows that there were late payments which XXXX auto finance 's complaint addressed for problems 1 and 2. As of XX/XX/XXXX, I have received nothing from Innovate Loan Servicing after contacting them via phone time and time again. Please see the notes below. XX/XX/XXXX - Spoke to Customer Service Agent XXXX, where I was disconnected. Called and spoke to XXXX who confirmed account information about XXXX report that went out XX/XX/XXXX. XXXX stated that she would ask Customer Service to send me a copy of the letter sent to XXXX so I could send it to my lender. Called back later that day and spoke to XXXX who also " asked for an expedite '' of the letter. On XX/XX/XXXX, I called XXXX and they said that they updated per what was sent to them. Note they changed it to a repossession, which it never was and also kept reporting on it after they said they would have it removed not only on XX/XX/XXXX in their XXXX response but also what I was told is in their notes. There are derogatory comments that are bringing my credit score down and impeding on closing my mortgage loan ( transunion file # : XXXX ). I received paperwork of a new acct that they opened On XX/XX/XXXX, I called and spoke to XXXX who stated that in the file, it says they asked XXXX to remove it. I asked for a copy of what was sent or a confirmation to provide to my lender. She referred me to speak to XXXX XXXX or XXXX XXXX, who I have received a call from XXXX XXXX ( on XX/XX/XXXX ) but no paperwork yet. This is still being reported to XXXX at this time. XX/XX/XXXX, I called and spoke to XXXX who mentioned XXXX XXXX is out and I needed to speak to XXXX XXXX. He has not yet returned the call, emailed or any communication whatsoever so I shall stop by in person since his phone and email are apparently not working. Was told that they do not see customers in person at their location : ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ). Furthermore, on the drive back I attempted to reach them again and left a voicemail for XXXX XXXX as XXXX XXXX was out. I called back to see if I could speak to the other manager ( referred to as XXXX ) and I was hung up on. I also called XXXX to see if the reporting had been removed and they stated " 1 account was removed and the other one that had been open since XXXX that shows late payments '' is still open. How can that be possible if this account was not with them until circa XXXX? There has been a pending dispute since XX/XX/XXXX which I opened after not seeing the incorrect changes to the account. The agreement to remove all these accounts reporting and to stop them can be seen from the XXXX attached with their response, the CFPB complaint attached where they were contacted and per verbal confirmation from their own Customer Service Agents. Please see below that they were notified of the past complaints by original creditor ( also attached in the documents ). Company 's Response XXXX XXXX, XXXX ( formerly known as XXXX XXXX XXXX, XXXX ) is in receipt of your CFPB complaint dated XX/XX/XXXX, XXXX ID # XXXX, which was received by our company on XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX ) provides the following response : Your account was sold and transferred as of XX/XX/XXXX to XXXX XXXX , XXXX ( hereinafter XXXX ). On XX/XX/XXXX, you requested dependent coverage under Servicemember Civil Relief Act ( SCRA ) for lease termination, XXXX XXXX, XXXX. ( formerly known as XXXX XXXX XXXX, XXXX ) no longer owned the account. XXXX, the account owner, outsourced the servicing of their account to XXXX XXXX. XXXX coverage eligibility was reviewed and determined by the account servicer, XXXX XXXX. The email and written correspondence you enclosed, were communication from XXXX XXXX not by XXXX XXXX, XXXX ( formerly known as XXXX XXXX XXXX, XXXX ). XXXX has transferred servicing of the account to Innovate Loan Servicing ( hereinafter Innovate ). Our office notified Innovate of the impending complaint. Innovate will amend the negative credit reporting posted to your consumer report trade line, as previously agreed via XXXX Complaint Case ID # XXXX. I apologize for the inconvenience this issue has caused you. As a courtesy we have forward your documented complain to XXXX XXXX. XXXX encourages you to follow up with XXXXnovate regarding the amendment of your consumer report, you may reach them directly at XXXX or via email XXXX.
03/12/2019	No	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	CA 961XX	Web
My complaint starts with Innovate Auto Finance. Last XX/XX/XXXXmy auto loan was still with XXXX XXXX and unbeknownst to me they sold it to IAF. From the get go I have had issues with this company. When I would make a payment using my card, I would get calls stating that I still owe them that months payment. What had happened is that they never linked my account to the card I was given from the previous company ( as I still thought that my auto loan was still held with XXXX XXXX ). This happened several times until finally I was speaking with a representative that I paid this way and they told me that I was able to pay online. Easy problem solved. Then came XX/XX/XXXXof 2018, my vehicle registration became due and I never received a letter from the DMV stating this. I was unsure as to what was going on so I contacted the DMV, contacted IAF, each company blaming the other. I was told by the loan company that the loan company hadnt sent a letter of proof to DMV until XX/XX/2018. Which is already past my registration due date, though the DMV stated that they never received this very important document. Putting me in limbo again. I was also told by the loan company that I needed to pay a fee with the DMV before they could resend a letter. I contacted the DMV and they stated that this was not true. This constant back and forth with this company was almost daily, as I would have to use my 30 min lunch break not to eat rather using it to try to get to the bottom of this issue. On Friday XX/XX/2018 I spoke with XXXX and XXXX from the IAF, who assured me that if I email her was is needed and how to get in touch with the DMV, she would send a notarized and certified letter and this should be lifted no later than Monday XX/XX/2018 or Tuesday XX/XX/2018. I called back IAF on XX/XX/2018 and spoke with XXXX. I asked if I could get the tracking number for the letter. XXXX stated that there was no tracking number ( was not sent certified ) and that there was a letter that had only been sent XX/XX/2018. I was then transferred to a manager, XXXX, she assured me that once the letter is received that everything would be good to go regarding receiving my registration. I waited a couple days then, optimistically I checked the DMV website to see if I could access the registration online. It was giving me the same message as before, that there is paperwork needed from the lien holder ( loan company ). I thought that was odd and decided that maybe it needed to be updated. I went into the DMV on a Friday I had off and spent 4 hours there just for the lady to tell me that the XXXX location nor the XXXX location had seen anything for me from IAF. I asked what it is exactly that this company needed to do, I was told the same exact thing again, have proof sent from the loan company that they are now in fact the new lien holder, the same thing that I had been telling the loan company all along. I also asked if I had any outstanding fees with the DMV ( besides the late fee for the registration ) and the lady said no. I was able to pay the late fees and regular fee for a temporary tag that has since expired at the end of XX/XX/XXXX. Since XX/XX/XXXX, I have exchanged over 50 emails with the loan company promising that they have my forms and continues to apologize that this is so delayed and that if I also submit a receipt showing that I paid the late fee, I will be reimbursed. I ask where my registration is and I typically dont get a response for several weeks to a month. I find that way to conduct business highly unacceptable. Then I got an email asking what forms exactly are needed, this is all on the same email thread stating that they have the forms needed. Then on Friday XX/XX/2018 I spoke with XXXX who then transferred me over to XXXX XXXX. She continued to state that she is the VP of the loan department and that she has no idea what is going on and that I need to send her exactly what it is that is needed for the DMV. As a loan company who deals with customers around the country, it is not my job to know what is needed, I believe that would be hers. She was beyond rude, cutting me off when speaking, accusing me of yelling at her when she was the one who was raising her voice to try and speak over me, she was condescending and hung up the phone on me. Leaving me again in limbo regarding the state of getting my registration. With her being a VP for this company I would expect professionalism and amazing customer service. That I did not get. Though the way this company seems to run, Im not surprised because they have a terrible work ethic and treat customers like they are beneath them. We the customer and consumer are the reason why she has a job. I also made my last payment to pay off the loan and the car and the company has yet to send me my title as I now own the car.
11/18/2016	No	Consumer Loan Vehicle lease	Taking out the loan or lease	WA 98409	Web	Older American
XXXX XXXX, XXXX I entered into a commercial lease with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX and XXXX ( {$99.00} membership fee ) I informed XXXX of my concern with the wheels on the front passenger side. I XXXX XXXX, XXXX assured me it would take care of the problem. I waited. While I patiently waited. XXXX XXXX, XXXX closed their doors, dismantled their office, their phone lines and moved out of the State of Washington during the XX/XX/XXXX. XXXX, XXXX a text XXXX XXXX, XXXX stating servicing would no longer be their responsibility as of Friday, XXXX XXXX, XXXX. Servicing would be the responsibility of Innovate XXXX XXXX, Monday, XXXX XXXX, XXXX. I called Innovate XXXX XXXX XXXX XXXX & XXXX, XXXX. Innovate XXXX XXXX stated their company did not have the contracts and was not in position to accommodate. However Innovate XXXX XXXX withdrew funds ( {$190.00} ) from my account. XXXX XXXX, XXXX. I disputed : The validity of the contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their authority to service my account. their authority to access my bank account. The fees. I e-mailed the form provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , indicating the amount due per weekly payment for the auto lease to no avail. I realized I was in check if not check mate. I would have just gone along with the program, if Innovate XXXX XXXX had not fraudulently withdrawn the {$80.00} cash from my credit card account. What would/will be next on their list? *********************************** I should be permitted to use direct pay from my credit card account to XXXX XXXX XXXX and get out of this woven web of entrapment. ( Now, I wonder if the XXXX XXXX is a flood car. XXXX. I noticed indentations on both side of the hood of the vehicle. As if the vehicle was lifted up by a huge clamp on both the sides of the hood of the vehicle. ) The services which accompanied the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has became non-existent. Additionally Innovate XXXX XXXX withdrew an unauthorized {$80.00} cash from my credit card account. Cash. Not from a debit account. Cash from my credit card account. The bank reported the transaction as fraudulent. The charges have been reversed. My concern now relates to retaliation. XXXX XXXX XXXX can confiscate the vehicle along with my personal belongings ( Video equipment, tripods etcetera. ) in it ( as abandon ), in the middle of the night or day and make me continue to make weekly payments. This very disturbing to me. ********************************* I need a vehicle to XXXX. *********************************** I am being charged for services no longer rendered. I have a breached and very ambiguous contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am still in need to make timely payments. I repeat, XXXX XXXX XXXX can confiscate the vehicle with my personal belongings in it ; in the middle of the night or day and make me continue to make weekly payments. This is a huge concern and very disturbing to me.
06/10/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23462	Web	Servicemember
I refinanced two vehicles under one company XXXX Innovative Loan Servicing Company ) in XX/XX/XXXX. This company that I choose from online to help refinance my two vehicles ( XXXX XXXX XXXX, and my XXXX XXXX XXXX ). The company placed both vehicles under two separate accounts. XXXX XXXX XXXX : Account # XXXX * XXXX XXXX XXXX : Account # XXXX. Both vehicles were being paid as agreed. Then I decided to sell my XXXX XXXX back to the ( XXXX XXXX Dealership ). The problem occurred with XXXXnnovative Loan Servicing Company was when it was time to reach them on the affairs of selling my vehicle. I came to see that their company was very horrible to deal with and they lacked the customer service/ services. I had to speak to several individuals including emailing them a couple of times in request for a payoff amount. Finally, after 4 days of trying to reach someone with their company to help me obtain a payoff amount as of XX/XX/XXXX. I was then able to conduct business with the dealership. The payoff amount {$38000.00}. The dealership offered to buy my vehicle for {$29000.00}. On XX/XX/XXXX I withdrew {$9000.00} and gave to the dealership the casher check of the amount withdraw. Giving the grand total : {>= $1,000,000} on XX/XX/XXXX. The dealership submitted that money over to Innovative Loan Servicing Company the same day. 20 Days later : I discovered several inaccurate information on my credit report from Innovative Loan Servicing Company. I immediately wrote and contacted the company. The company said I owed {$130.00} more dollars which they claimed that the payoff was only good for XX/XX/XXXX. At the time I didn't think much of it, so I paid {$130.00} on XX/XX/XXXX after speaking with the companies representative. On XX/XX/XXXX, I begin to look over all my Finances for the last 6 month. I discovered that the company Innovative Loan Servicing Company is charging me another {$730.00}. This raised my awareness so I looked back at all my information and discovered that the payoff amount was good for 10 days, and I paid an additional {$130.00} which brought the total amount paid {$38000.00}. Now they requesting an additional {$730.00}. This is very alarming! Not only did they scam me for an extra {$130.00} they want more money after this vehicle was sold. This company has shown so many unethical practices and now including fraudulent activities. I have been trying to reach this company by phone, and email. No one is answering, nor responding. I'm really asking CFPB to looking into this company because there is some fraudulent activity going on. I am very upset that companies are allowed to harm people 's credit without sending out legal documents to reflect there information. Plus, scamming consumers for money. This company not only owe me in return {$130.00}, now they're scamming me to pay {$730.00}. As a litigation consumer I personally take fraudulent activities very seriously, and this company has shown me on numerous accounts that they're practicing illegal operation/ services.
04/14/2023	No	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33127	Web
Dear Consumer Financial Protection Bureau, I am writing to file a claim against Innovate Loan Servicing Corporation, also known as Innovate Auto Finance, for their failure to report my auto loan to the credit bureaus. On XX/XX/XXXX, I took out an auto loan for {$34000.00} to purchase a XXXX XXXX XXXX XXXX, with an annual percentage rate of 20 %. Since then, I have made on-time monthly payments of {$830.00} through the platform ils.theinnovatecompanies.com. However, when I attempted to refinance my auto loan with a different company in the first week of XX/XX/XXXX, I was informed that my auto loan did not appear in my credit report. Upon checking my XXXX XXXX account, I discovered that Loan Servicing Corporation had not reported my auto loan to any of the three credit bureaus - XXXX, XXXX, or XXXX. I contacted the company on XX/XX/XXXX, and spoke to XXXX XXXX, who assured me that they would send emails to the credit bureaus to rectify the situation, and that they would call me back in two days. After a week passed without any communication, I called Loan Servicing Corporation again and spoke to XXXX XXXX, who provided me with the same response. She told me that the company would call me back, but they never did. As a result, I continued to lose money as I could not refinance my auto loan with a better interest rate. I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who informed me that the company had already sent emails to the credit bureaus. However, when I contacted XXXX and XXXX, they confirmed that they had not received anything. After speaking with XXXX XXXX, I requested to speak with his supervisor, but he refused to connect me. I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who provided me with the same information that they would contact their supervisor to resolve my situation. On XX/XX/XXXX I submitted a claim with the XXXX XXXX XXXX, and they tried to reach the company in several occasions, with no success. I am frustrated with Loan Servicing Corporation 's lack of responsibility and inability to resolve a simple issue. It is their responsibility to report my loan to the credit bureaus and follow the law, so I can refinance my car with a different company. I called XXXX again, and they opened a case number XXXX so that Loan Servicing Corporation could send my loan information via fax to resolve my situation. I have made multiple attempts to contact Loan Servicing Corporation, and I am no closer to resolving this issue. I feel as though they are mocking me and disregarding my situation. I need to resolve this issue as soon as possible, and I request that the Consumer Financial Protection Bureau intervene in this matter. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX
01/16/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 330XX	Web
my account is paid in full, it was closed on XX/XX/XXXX with a balance of {$0.00}, on XX/XX/XXXX it had a balance of {$10000.00}, due to an accident the vehicle was totally lost, the insurance made a payment of {$7100.00} and the GAP coverage that was purchased and is in the terms of the signed financing contract is responsible for the difference of the pending balance of the financing and Additionally, your Loss Mitigation XXXX XXXX XXXX contacted me on XX/XX/XXXX to notify me that despite the insurance payment and GAP coverage, I still had an outstanding balance of {$800.00} and sent me an email with the address where I had to send the cashier 's check to be able to close my account with a {$0.00} balance, which was prepared on XX/XX/XXXX for {$800.00} and was sent to your facility and delivered on XX/XX/XXXX via USPS tracking # XXXX I don't understand how 3 years after they closed my credit, they reopen my account on XX/XX/XXXX again with a negative balance of {$4800.00} damaging my credit and causing me great economic damage, after calling several times I was able to prove that they received, they cashed the check and updated the balance to {$3700.00}, which is a big mistake because if you add what the insurance paid {$7100.00} plus the GAP coverage that is in the loan contract and stipulated in the Annual APR, plus the {$800.00} that they are sent in a cashier 's check, I do not have any type of negative or pending balance with you, I need to solve this problem as soon as possible since he always fulfills all the responsibilities stipulated in the contract. I have communicated with INNOVATE LOAN on several occasions through phone calls and emails during these months every week without getting any response from them, they have to verify my account and read all the notes left by their specialists of all the calls that He specifically made the calls and notes from his Loss Mitigation XXXX XXXX XXXX, who was the one who contacted me and provided me with all the information to be able to close my account with a XXXX balance. Thanks to a complaint that I made through the CFPB website ( Consumer Financial Protection Bureau ) last year on XX/XX/XXXX I was able to have the company INNOVATE LOAN contact me on XX/XX/XXXX to inform me what they had done a error and they would remove all the wrong information from my credit report and email me clarifying this problem, then again this year on XX/XX/XXXX I receive a new notice from my credit notifying me that the company INNOVATE LOAN once again informs my credit that I have a negative balance owed of {$3700.00} with a comment of " COLLECTION / CHARGEOFF when it is false information that causes me great economic damages since they have damaged my credit again with a new attempt to collect a debt already paid.
01/16/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 330XX	Web
My account is paid in full, it was closed on XX/XX/XXXX with a balance of {$0.00}, on XX/XX/XXXX it had a balance of {$10000.00}, due to an accident the vehicle was totally lost, the insurance made a payment of {$7100.00} and the GAP coverage that was purchased and is in the terms of the signed financing contract is responsible for the difference of the pending balance of the financing and Additionally, your Loss Mitigation XXXX XXXX XXXX contacted me on XX/XX/XXXX to notify me that despite the insurance payment and GAP coverage, I still had an outstanding balance of {$800.00} and sent me an email with the address where I had to send the cashier 's check to be able to close my account with a {$0.00} balance, which was prepared on XX/XX/XXXX for {$800.00} and was sent to your facility and delivered on XX/XX/XXXX via XXXX tracking # XXXX I don't understand how 3 years after they closed my credit, they reopen my account on XX/XX/XXXX again with a negative balance of {$4800.00} damaging my credit and causing me great economic damage, after calling several times I was able to prove that they received, they cashed the check and updated the balance to {$3700.00}, which is a big mistake because if you add what the insurance paid {$7100.00} plus the GAP coverage that is in the loan contract and stipulated in the Annual APR, plus the {$800.00} that they are sent in a cashier 's check, I do not have any type of negative or pending balance with you, I need to solve this problem as soon as possible since he always fulfills all the responsibilities stipulated in the contract. I have communicated with INNOVATE LOAN on several occasions through phone calls and emails during these months every week without getting any response from them, they have to verify my account and read all the notes left by their specialists of all the calls that He specifically made the calls and notes from his Loss Mitigation XXXX XXXX XXXX, who was the one who contacted me and provided me with all the information to be able to close my account with a XXXX balance. Thanks to a complaint that I made through the CFPB website ( XXXX XXXX XXXX XXXX XXXX XXXX ) last year on XX/XX/XXXX I was able to have the company INNOVATE LOAN contact me on XX/XX/XXXX to inform me what they had done a error and they would remove all the wrong information from my credit report and email me clarifying this problem, then again this year on XX/XX/XXXX I receive a new notice from my credit notifying me that the company INNOVATE LOAN once again informs my credit that I have a negative balance owed of {$3700.00} with a comment of " COLLECTION / CHARGE when it is false information that causes me great economic damages since they have damaged my credit again with a new attempt to collect a debt already paid.
06/15/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 91942	Web
Back in XX/XX/XXXX I refinanced my used vehicle XXXX XXXX XXXX. My previous lender was XXXX XXXX XXXX. New lender was XXXX XXXX XXXX XXXX XXXX XXXX ). Literally the same day I signed the contract I received notification from XXXX that my loan is being assigned, sold or transferred from XXXX to XXXX XXXX with servicing to be provided on their behalf by Innovate Loan Servicing Corp. ( with the same terms and conditions ). Beginning XX/XX/XXXX I started making payments to XXXX XXXX. I have made total payments in the amount of {$3500.00} ending in beginning of XX/XX/XXXX when I again refinanced my car to XXXX XXXX XXXX. The reason I decided to refinance was to lower XXXX more than with XXXX, where it was about 1 % down - now my XXXX was decreased from almost XXXX to 6.49 % XXXX. Just paying your attention for one detail : when refinanced with XXXX they put my employment as XXXX XXXX with unknown company despite I put XXXX ( XXXX and XXXX ) in application as my primary and only source of income. When switching to new ( latest ) lienholder from XXXX XXXX XXXX XXXX XXXX loan was funded by XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX paid to first XXXX ( XXXX XXXX XXXX ) when I refinanced {$25000.00} ( payoff amount ) When refinanced with XXXX - they paid {$24000.00} to Innovate. My total loan balance decreased for less than {$1000.00} despite I paid to Innovate ( XXXX ) {$3500.00} for the period of 7 months with simple interest rate of 10.98 %. I suspect I have had usury loan from XXXX ( Innovate ) with hidden fees and charges. I also had GAP Contract with XXXX ( Innovate ) that must be cancelled when refinanced. And now I have new GAP Contract with new lender XXXX. I have contacted multiple times with Innovate ( XXXX ) recently by email ( messages ) and by calling them regarding getting refund for cancelled GAP. Regarding GAP refund I was told by GAP company ( https : XXXX ) I need to contact seller, i.e.Innovate. When reached GAP by phone they confirmed my GAP contract # and was then told I have to call them different time about refund cause they are not available. It's like the circle ... completed... When I asked Innovate ( by phone ) about loan charges they responded like refinance loans always work this way - more money goes to interest. Was it like I wasted my money paying off the loan that after 7 months of payments I owe almost same amount when car value drops much faster?! Also I want to add that as for today as seen from XXXX payment page it still shows my next payment due is on XXXX, despite loan was refinanced and they received payoff payment from XXXX on XXXX.
01/26/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30038	Web
My husband and I decided to go get a car in XXXX XXXX. We were approved for a loan with a lender by the name of XXXX XXXX XXXX. We received our car and have been paying our car note ahead of time every month. At least 5 days before its due. In XXXX like every other month, I made a payment on XXXX XXXX, XXXX. I paid on XXXX online payment center and received a confirmation email that the payment was successful. On XXXX XXXX, XXXX I received a call from XXXX stating that they are now my new lenders. I never received a notice or any warning that my loan was being sold. That 's neither her nor there. They advised me at that time that they have not received my payment for XXXX XXXX. I advised them that I had already paid XXXX. They told me that they acquired my loan on XXXX/XXXX/XXXX and that they probably just had n't received my loan yet. So they told me not to worry and that they would reach out to XXXX. Innovate loan company has been calling me numerous times out of the week and I have constantly told them that I have already made the payment. I offered to send in a copy of my bank statement and also the confirmation email that I received. They advised me that it would not be necessary. On XXXX XXXX, XXXX after being told that they still have not received the payment I contacted XXXX personally and spoke to XXXX XXXX to check on the status. XXXX informed me that they have already sent the payment electronically and no one from Innovate Loans has reached out to them. I then contacted Innovate Loans back and spoke to XXXX and offered her a contact number and a contact name. She advised me that they are unable to make third party calls. I asked her if they do n't receive my payment in 30 days what would be the outcome of my account. She advised me that they would report to the credit bureaus that I am delinquent. That would be incorrect information. I then asked to speak to a supervisor. She transferred me to a supervisor, XXXX voicemail. I have called back twice a day and now only being transferred back to XXXX voicemail. I have not received a call back with a resolution or even options. I should not be held responsible for something I was not even aware of. Now my loan, car, and credit is at jeopardy. My next payment is due XXXX XXXX. I have looked for a corporate number and have been unsuccessful. The agents are very rude and very unhelpful. I will attach my bank statement and email confirmation to show that the payment was made. I just want this matter resolved.
02/07/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33334	Web
Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.
10/17/2023	No	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	WA 98366	Web
Denied my online payment many times provided false information to make a payment. The phone numbers on my old statements or emails dont work repo when I was over paid XXXX $ waiting until the weekend to repo so I cant do anything lied about financial hardship agreement blank information on repo work order has a auctioneer ready to seize in 1 day made many many over payments and quite a few double payments that never applied to my principal deleted my payment history off my online account. Purposely miss guided well quite frankly lied about how I can pay and gave complete wrong information on money gram asked for stuff that I cant even attach into their email formats. I didnt know about predatory lending until today and I believe this is a huge criminal organization that hides ands mis directs customers into a grey area. I have the cash on hand at this moment to pay off the loan but theyre not going to let me. Through research Ive found out they lost all the customers data. At one point my credit report said XXXX $ due I knew that was wrong still paid. At the same time the data was lost is when the statements stopped coming along with pulling it off my credit report and deleting my payment log on there website. I feel they are going to deny my in full payment to complete the loan when its almost paid off so they can refinance predatory to the next customer. They are milking middle to lower class people of money and in my case stripping my ability to work. These are XXXX that have to hide there annual earnings because they are so high. This companies main objective is to loan unplayable amounts to desperate people. I can prove 100 % through bank statements and cleared transactions with dates being forged. These people are wolves and need to be prosecuted. I can only imagine how many families have been wrecked.right now as we speak I am over paid XXXX XXXX
01/12/2021	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 Their investigation did not fix an error on your report	TX 77566	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
12/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28205	Web
I 've tried to contact XXXX XXXX XXXX ( formally XXXX XXXX ) and they 've denied my request. I 'm filing a complaint on this judgement because it was unfair and inconsiderate. This is the letter Ive sent to them. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ] for my account [ loan account number XXXX ]. During that time, my mother fell XXXX XXXX, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX, and was unable to make my car loan payments. I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. Thank You.
07/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 911XX	Web
I had a XXXX with a company named XXXX XXXX XXXXXXXX which dissolved and transferred to a company called innovative Loan Servicing. i received a letter on XXXX XXXX that the loan would transfer and XXXX would be the last month that my payment could be made and beginning XXXX i would be making my payments to Innovative Loan servicing. On XX/XX/2021 i checked my credit accounts and Discovered that i had been marked with a 30 day late for the month of XX/XX/2021. I called innovative Loan servicing several times and waited on hold for well over an hour and a half but no one ever answered. I emailed the email on file and still have not received a response. I paid by XXXX payment to XXXX XXXX XXXX om XXXX XXXX as i have for the past XXXX XXXX years. I am in the middle of a purchase and this has impacted me as my score dropped to below XXXX from an XXXX this is unacceptable and i need this to be rectified immediately but no one ever answers the phone or responds to any of my attempts to reach the company. I am providing proof that my payment was accepted and withdrawn from my chase bank account on XXXX XXXX. I will also file complaints with all 3 credit Bureaus to make the corrections. I am beyond upset that this company would make such an error as i take pride on paying all my payments in a timely manner.
08/20/2023	No	Vehicle loan or lease Loan	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 30043	Web
I refinanced my vehicle back in XX/XX/XXXX with this company and since then they have never reported to the credit bureaus. I called them back in XX/XX/XXXX and they said that they had just migrated to a new system and were trying to get accurate data and they would report to the credit bureaus within the following 6months from the date of my complaint. 1 year down the line and that has never happened. I contacted CFPB for assistance about 10 months ago and the company gave the same response but nothing has been reported. I called their customer care number in XX/XX/XXXX and the agent gave me the same response. I pressed him that that's the same info given to me almost 2yrs ago and he said that's all the response they have from the company. Come to find out that the company doesn't have an actual customer service department, but they have outsourced the service. They don't even have a physical address, just a XXXX XXXX XXXX which they don't even reply to letters when written to. This seems all sketchy and i'd greatly appreciate your assistance. They don't have a problem sending reminders about making my monthly payment to my email and text messages, but no other form of communication even when prompted. Atleast they can report to the bureaus since am trying to build my financial credibility.
09/07/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 95660	Web
I origonally leased a XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. My lease agreement states that the company is responsible for maintenance on the vehicle up until 90,000 miles are on the vehicle. My loan was transferred to XXXX XXXXXX/XX/XXXX. My contract also states that if the lease is transferred the agreement still stands regardless of the new companies policies. XXXX XXXX has failed to uphold my maintenance agreement and has not reimbursed me for two seperate maintenances preformed on the vehicle. The innvoices were submitted XX/XX/XXXX and I was told it would take 10-14 business days for the money to be reimbursed. I 've spoken with XXXX XXXX several times since XX/XX/XXXX regarding this issue and was told a supervisor will contact me within 24-48 hours. This did not happen. Secondly, upon signing the lease agreement on XX/XX/XXXX the lease states that I am to pay a total of {$15000.00} in 108 weekly payments of {$150.00}. I am and have always been on time with weekly payments yet Innovate loan is now stating I owe {$25000.00}. I have called on several occasions about this amount and have not received an updated amount, I have also submitted the Lease to them for review with no outcome.
09/28/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30127	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXXXXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud. 15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX
03/15/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AL 36117	Web
I am writing because I wrote a while back that this company was trying to charge me an additional XXXX on a loan that was supposed to be over in XX/XX/XXXX of this year. I over paid in XX/XX/XXXX by XXXX so that I would have a break from payments. I recieved a bill saying I owed for XX/XX/XXXX. I should not owe again until XX/XX/XXXX because I made a over payment. I paid XXXX in XX/XX/XXXX. Now in the new bill this company is saying I owe an additional XXXX +XXXX. They claimed that I agreed to 28 % interest plus the finance charge of over XXXX. Even if that was the case there is no way that from XX/XX/XXXX to now I accrued XXXX in interest. There is no way interest jumped up that high. My original loan terms was that it would be over in XX/XX/2020. Instead of the XXXX for the car that I was told I was to pay ... now I would have paid over XXXX dollars for a XXXX car. The dealer that sold me the car said the paperwork was damaged in a flood.this company really needs to be investigated for their fraudulent billing practices. At this rate I will never get through paying off the loan because the interest is jumping up by the hundreds.
11/21/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31204	Web	Servicemember
XXXX is a XXXX organization that nourishes off destitute XXXX American consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove Innovate Loan Servicing Corp. and XXXX XXXX XXXX from my credit file. I have told XXXX for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. XXXX is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and XXXX, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will XXXX be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and XXXX still refuses to remove these fraudulent tradelines. It is regrettable!
01/22/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NY 11580	Web
This correspondence is in regard to application # XXXX submitted by SUNRISE AUTO SALES and decisioned by INNOVATE AUTO FINANCE which an adverse action letter was received in XX/XX/2021. My social security card is a credit card and use of it without benefit to me is a violation. INNOVATE AUTO FINANCE is dangerously close to malfeasance. The adverse action offer is here by rejected, a credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. It is FACT, this complaint will serve as notice to correct all records regarding XXXX XXXX XXXX. It is FACT that INNOVATE AUTO FINANCE BANK is engaged in trust actions and has fiduciary duties to uphold. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. I am willing to overlook the error if ALL records are corrected.
03/01/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MI 48864	Web	Servicemember
I have been in touch via phone and email with Innovate Loan Servicing regarding reporting my auto loan to the credit bureau. They told me they were going to do it when I refinanced in XXXX of XXXX. Then they told me that they got a new computer system during the summer around XXXX. Then again in XXXX when I reached out they told me they were still trying to get all of their records up to date and should have it done now. I reached out in XXXX. They ignored me. I then again XXXX of XXXX and they said theyd have it already sent. Its been over 30 days and there is still nothing on my credit report. I cant even refinance the loan because no one will accept me since my loan is not on my credit report. I originally was making phone calls to them. When I made a call to them in the summer asking for an update on the credit bureau, their employee told me that they didnt have my call previously and would try to look into it. I dont believe that they are correctly documenting calls. I have moved to emails and its very apparent I dont often get a response.
03/01/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MI 48864	Web	Servicemember
I have been in touch via phone and email with Innovate Loan Servicing regarding reporting my auto loan to the credit bureau. They told me they were going to do it when I refinanced in XXXX of XXXX. Then they told me that they got a new computer system during the summer around XXXX. Then again in XXXX when I reached out they told me they were still trying to get all of their records up to date and should have it done now. I reached out in XXXX. They ignored me. I then again XXXX of XXXX and they said theyd have it already sent. Its been over 30 days and there is still nothing on my credit report. I cant even refinance the loan because no one will accept me since my loan is not on my credit report. I originally was making phone calls to them. When I made a call to them in the summer asking for an update on the credit bureau, their employee told me that they didnt have my call previously and would try to look into it. I dont believe that they are correctly documenting calls. I have moved to emails and its very apparent I dont often get a response.
05/08/2017	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	MS 39042	Web	Servicemember
I went into a loan agreement with XXXX XXXX XXXX XXXX on XX/XX/XXXX was paying according to the loan. However the loan was sold without my knowledge, to Innovate Auto Finance in XXXX with my knowledge no information was mailed or phone call I continued to pay. The new loan company cut my vehicle off through GPS tracker that led me to believe there was a mechanical problem with the vehicle so I fell behind in payments. While my car was in the shop my car was repoed by the new company. I called them for the amount owed his exact words were my balance was XXXX and it was for an entire year until I disputed it off my credit file. They never mailed me any information of what the car sold for, my balance owed, or any information regarding the vehicle I made several attempts by calling, mailing letters with no response They told me I owe nothing. When I disputed the loan amount went from XXXX to XXXX . I disputed it again they decrease it to XXXX dollars
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IL 60453	Web
I purchased a new vehicle on XX/XX/XXXX, my lender, INNOVATE LOAN SERVICING has not reported my last " 5 '' car payments made to them have " not been reported '' to the credit bureau. I was supposed to get my car refinanced by the XXXX XXXX XXXX where I bought my vehicle, because my payment is currently so high, and when I called my salesman XXXX a couple days ago, he told me he could not refinance the vehicle because NO PAYMENTS, 5 payments have not been reported to credit bureau at all. When I called INNOVATIVE LOAN SERVICING I was told they have a " GLITCH '' in their system, and to check back with them in '' XXXX '' to see if it was fixed yet, really unreal and illegal I would think!! I really need to get this refinanced, as It is very difficult to make these {$600.00} car payments every month right now. Their information on their bill is as follows : Innovate Loan Servicing XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone # XXXX Thank you, XXXX XXXX XXXX Phone # XXXX
05/18/2023	No	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 750XX	Web
got the lease back XX/XX/XXXX - set up the payments on Autopay - XX/XX/XXXX- i receive an ugly letter saying - Notice of Acceleration - i called back in XX/XX/XXXX to get a payoff and they never said i missed a pyment i called when i received ugly letter XX/XX/XXXX and they said i missed the XX/XX/XXXX payment i got my bank statement and i show i made the payment but after going thru all my statements- i see the never took the XX/XX/XXXX payment- i had plenty of money in my account. i have called so many times asking for a full payment history and not received it only email to log into the website i have spoke to a XXXX many times at XXXX few times and she says its a system error and her supervisor is reviewing and ever time i speak to her i ask her to call me back .... no one has ever called me back. Also i want to go ahead and pay the XXXX since i do see it never was collected and she says just wait .... i am still wainting and nothing is geting done
03/30/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 30341	Web
Tuesday XX/XX/2023 I spoke with a representative in regards to why Innovate Auto Finance is not reporting to my credit report. The reply I received was that Innovate Auto Finance is currently not reporting at the moment which I find illegal under the unfair credit reporting act. Innovate Auto Finance is quick to report if my balance is not up to date or will only report if there is negative reporting to your credit. But since my auto finance is about to be paid off in one payment they no longer want to report. Please have an Innovate Auto Finance report to my credit agency. I also work with XXXX XXXX to take legal action in regards to this unlawful act for them only to choose to report negative items and not report update positive credit history which is stopping me from not obtaining a new vehicle since this is no longer reporting. Attached is the payoff which I will soon no longer will have to make payment which justifies my statement
08/16/2022	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	OR 97213	Web
On XX/XX/XXXX, I received an alert that I had a new hard inquiry on my report, but knew that I hadn't applied for a loan or new line of credit. When I looked at my report, it appeared that Innovate Loan Servicing had made a hard inquiry. I had never directly applied for a loan with them, but in XXXX of 2020, when applying for financing for a car, XXXX XXXX apparently shopped my info out to them. I did not take a loan through them at that time and was excited for their hard inquiry to drop off of my report in XXXX. I reached out to them by phone and email, more than two weeks ago, but have not received a response in either form. I requested they report to the three credit bureaus that I had not applied for a loan with them. It's frustrating because I had worked hard to get my score to XXXX, and this inquiry that I did not make has taken that away from me. Their contact information : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
05/20/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web
I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. The following XXXX aka XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to fail a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
07/24/2018	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TN 37217	Web
Innovate Auto Loan bought my loan from XXXX XX/XX/2018. Both XXXX and My innovate loan and XXXX XXXXXXXX XXXX are reporting on my credit like I have 2 loans on ONE CAR. The payments i made to XXXX this year stopped reporting after XX/XX/XXXX. They need to be updated and the account needs to be closed. My Innovate loan is NOT reporting my current auto payments to the credit bureaus accurately they have my current monthly payment listed as {$390.00} a month its actually {$360.00}. They just updated my credit report to ONLY reflect the month of XX/XX/XXXX but made it seem like i made a {$500.00} payment only. I have made I have paid XXXX. + plus some bogus fee for them to take my payments every 2 weeks. So far I have paid a total {$1000.00}. I have called them multiple times my last call was to them today where i was advised they will not be reporting XX/XX/XXXX payment until XX/XX/XXXX with no explanation as to WHY!
10/31/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75248	Web
On my credit report the the company ( XXXX XXXX XXXX [ closed ] /XXXX XXXX XXXX ) states that I owe {$10000.00}. I spoke to a rep in the repo dept department at XXXX and he said that I only owed {$3200.00} ( estimated ). That 's the first complaint. Second complaint is the fact that XXXX XXXX XXXX never notified me of the selling of my account. Third complaint, this company is reporting me as being late several times throughout the loan when in fact ... I was never late a single payment until I lost my job. The company repo'ed my car causing me financial hardship and severely affecting my credit worthiness in getting another vehicle. I tried to communicate with the above company to no avail. They were n't hearing anything that I had to say. I called several times and each and every rep was extremely rude and totally heartless. Please remove this company from my credit report.
09/01/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 32746	Web
Back during hurricane Irma in XX/XX/XXXX, My job was closed for 2 months due to damage, XXXX XXXX offered me 3 month deferment on my car loan, once we got to the end of the loan, which was suppose to end XX/XX/XXXX but extended to XX/XX/XXXX due to the deferments. They reported late payments, although I was still making monthly payments on my due date. I called in XX/XX/XXXX to see why my balance no longer had a due date, they told me not to worry about it and to continue to make my monthly installments of XXXX until my loan is paid off. Once I paid off my loan my credit score decrease a total of 34 points due to 120 days late XXXX XXXX/ Innovate Auto Finance reported on my credit report. The loan is now paid off but am personally suffering, I am trying to purchase my first home which I have been denied due to the recent reporting.
12/02/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	PA 19151	Web
Called XXXX XXXX XXXX on or about XXXX, and advised were my auto loan with them. XXXX XXXX XXXX associate advised me that my auto loan was transferred from XXXX XXXX. Advised associate that loan was fraudulent from XXXX XXXX because they were not licensed in Pennsylvania to issue loans. The associate advised me she did not know anything about it, and advised me to continue making my monthly payments. On or about XXXX, my car was in an accident and XXXX XXXX XXXX company declared my XXXX XXXX a total loss and paid XXXX XXXX XXXX {$16000.00}. Called XXXX XXXX XXXX on or about XXXX and checked status of auto loan being paid in full from payment of {$16000.00} from XXXX XXXX. XXXX XXXX XXXX associate advised me that loan was paid in full. Check my credit report on XXXX, and seen charged-off amount XXXX, and it damaged my credit rating.
10/13/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NY 11746	Web	Servicemember
1. My XXXX XXXX XXXX was paid off XX/XX/XXXX by my dealership. The leasing company charged my checking account XX/XX/XXXX after the lease was paid in full {$410.00}. Ive called them 8 different times and after being transferred around they hang up. I have an email that states they would send me a check which never happened. After my eighth call yesterday I was told that the payment back to me was being held for unknown reasons. I have disputed this charge with my bank waiting on confirmation of refund. 2. After over 35 days my dealership still has not received the title. My dealership owes me {$3500.00} which is also being held until they receive clear title. Same leasing company. XXXX XXXX XXXX serviced by Innovate Servicing Corp account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you need any further assistance, please XXXX
05/30/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75039	Web
Innovate XXXX XXXX ( fo rmerly XXXX XXXX ) h ave erroneously reported XXXX and 60 day lates on my credit report. I have called to inquire about payments made and some of the payments made were not recorded in the system causing me to make double payments in the same month. In addition I have called and requested copies of the payment history for my account 4 times over the last 2 months and have not received it. I 've spoke to 3 different representatives who say they have processed my request but I have yet to received copies of my payment history in order to verify it against my payment records. Also, they claimed they did not have my correct address in the system but they were mailing statements to my correct address. When I 've asked to speak to a manager the rep resentatives are rude and not helpful
08/15/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30034	Web	Servicemember
Been disputing a particular account on my XXXX report since XXXX every 30-45 days for Innovate Loan Service . This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of XXXX even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from XXXX. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXXXXXX XXXX is not there business as listed either I went there! I live in XXXXXXXX XXXX
07/28/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 75228	Web
We just received a bill stating that we have not paid them in four months ( false ). We have been paying our agreed loan payments, and we have also notified them when we have had to make repairs ( for example : replace steering column ( purchased for {$85.00} at salvage yard. I also had to spend {$84.00} on renting a XXXX track to transport the part from the salvage yard to the repair facility, and {$200.00} for the mechanic 's labor ). In addition, I have also had to replace the starter ( {$45.00} for a part from an online parts house ... .a delivery that was delaved for two weeks, plus {$100.00} labor ). On the latter, I lost two weeks of work as a result ). Along with that, I had to pay {$150.00} to install a horn to bring the car up to state standards. We want our bill readjusted to reflect payments made.
04/27/2018	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 28027	Web
I had a loan with another company. The company sold the loan innovative. Innovate forced me to pay the loan every two weeks on my pay day. They never allowed me to pay monthly and they charged me the highest interest rate. My credit score was XXXX and I didn't understand why. I was able to refinance the car for only 5 % I've been trying to get the title released and the representatives took over 2 months. The bank has called and my wife. I've even sent in a payment because of the long process. One of the representatives at innovate agreed that it appears that they are trying to keep the loan. I almost lost the approval. Innovate said they would not damage my credit. Which they did damage my credit. It is still showing on my credit report that this account needs attention and it's open negative.
08/27/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 32905	Web
I purchased my car over a year ago in XX/XX/2022. I have tried working on my credit score and innovate loan service has not reported my payments not once in a whole year to the creditors. Therefore all this time my credit has done nothing. They refuse to fix it saying they are reporting when I have called all the Bureaus and there is no account of my car loan at all. They can not do this to people. It wasn't our chose to have this company. Now I'm the one being punished when I pay on time. Something has to be done. They do not let you speak to any one higher up in charge don't give any answers and don't care just taking people 's money. Horrible customer service. This has to be illegal I have read so many reviews now of it happening to so many people with this company
05/26/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 206XX	Web
Im behind two payments With Innovate Auto Loan, but got sent a bill for over {$3800.00}. My note is only {$630.00} plus a {$3.00} charge to pay online. I can not afford over {$3800.00} in unexplained fees. I understand Im behind by two payments, but Im going to pay it by next week. I just received a notice for repossession with a date that has passed demanding a high amount. This is ultimately XXXX fault for making this new deal because the other one fell through. First, the loan amount owed was higher than it should have been. That was just updated two weeks ago. Now, Im being hit with a repossession letter that was dated for last week and the amount is higher than what it should be. This year has started off terrible. I fought for my life battling XXXX.
11/09/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31204	Web	Servicemember
I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. Innovate Loan Servicing CORP. and XXXX XXXX is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used racist connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX XXXX, and the XXXX It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.
07/26/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60164	Web
Hello, i have a lease with XXXX XXXX XXXX, i called them and asked about pay off letter on my car. Same day a paid my car off. I have a payment confirmation. In few days i called to ask when i will get my title. They told me in 10 days. In 10 days i called and XXXX is out of business. And now there is the company Innovate Auto Finance. They told me i will have my title up to 45 days. But its already 50 days. I called them every day and the keep telling me they don't know what the problem is, Where is my title they didn't know and a lot of different stuff. XX/XX/16 they send me Letter of guarantee that i payed off the car. But i need a title, and i don't know how i can get it because they keep telling me some bs stories
01/24/2017	No	Debt collection Auto	Communication tactics Called outside of 8am-9pm	TX 75231	Web
A debt collection agency Innovate Loan Servcing ought my car loan. Never heard of the company until about XXXX weeks ago when they called asking for {$1400.00}. They said they sent a welcome letter which I did n't receive so I asked for the letter to be sent to my email. During that call on Monday XX/XX/2017 the representative XXXX verified the last XXXX of my social security number but failed to tell me they were debt collectors and it was an attempt to collect a debt. I asked for the welcome letter so I could see it then begin working with them. I heard nothing more from them but got XXXX calls yesterday on XX/XX/2017 back to back and one voicemail. Then another call this morning XX/XX/2017 at XXXX am.
02/03/2022	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	PA 19134	Web
My Social Security was ringing without my cas and I would like to report these 16 heart increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. XXXXXXXX XXXX XXXX XXXX. Innovateloan 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 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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I would please like for these 16 hard inquiries to be removed please.
07/23/2023	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	WI 530XX	Web	Older American
In XXXX of this year, I refinanced my car loan and Innovate Loan Servicing was paid in full. I took the necessary steps to get the refund of the Gap Insurance and a Protection policy. I was informed that the Gap Refund check was sent on XX/XX/XXXX and the Protection check was sent on XXXX to Innovate. About a month ago, I did receive a phone call from a gentleman from Innovate stating that the Gap refund check was was received on XX/XX/XXXX for {$550.00} but he stated that he didn't have record of the {$260.00} check for the Protection policy and he would have to look into yet. I have not yet received either refund. They do not respond to any of my e-mail requests.
09/08/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 897XX	Web
I have had a loan with the company since XXXX of 2021 and have yet to receive a statement, or a bill, or a breakdown of how my payments are being applied. I have never been late or missed a payment but am now receiving emails stating they are attempting to collect a debt and my account is in collections. When I call the company they are not able to locate my account by number but are able to show my payment history. They stated they can not send out statements because they are behind with a system upgrade, but I have never received one. They also stated they would send me my payment history, but I have not seen that either. Their website doesn't show any details.
02/21/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77017	Web
This contract was broken it was the XXXX XXXX fault and Innovate Loan And The XXXX XXXXXXXX Fault they basically scamed me and the contract was broken i do not have that loan neither the vehicle itd affecting my credit score so bad i tried calling the Innovate they keep ignoring me and the only thing they tell me is to open a dispute and that should help i even have proof that i had to dispute a First time payment to get my money back from them and thank god i got it back because they are in the wrong here reporting wrong stuff to my credit please investigate what else can i do to stop innovate from hurting my credit that i been trying to build up! PLEASE
06/27/2023	Yes	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	TN XXXXX	Web
I paid my loan off on XX/XX/XXXX, and had auto pay set up. They autopay did not cancel as it should have after the loan was paid in full. On XX/XX/XXXX, {$300.00} was taken out of my checking account. I called on XX/XX/XXXX to ask abut it and see when I would get refunded. I was told all overpayments get refunded the end of the following month. I have been calling and emailing them asking about the refund and I almost always get the same response that they have escalated the matter and someone will call me back. No one ever calls me back. I still have not received my refund and the representatives will not let me speak to a supervisor.
02/24/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77017	Web
Hi i got in contact with Innovate Loan Servicing and they are not doing anything to fix my credit and remove the error by reporting wrong information that should not be there because i do not have a open contract with them for a loan i do not have a loan or the vehicle i dont know if i should look for a lawyer its affecting my credit score and nobody is helping me and its no fair because i have proof i do not have a open a account with them its been giving me alot of problems lately what can i do? The only thing they tell me is that what 48 hrs and i call back and still they cant do anything about it???
02/24/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77017	Web
Hi i got in contact with Innovate Loan Servicing and they are not doing anything to fix my credit and remove the error by reporting wrong information that should not be there because i do not have a open contract with them for a loan i do not have a loan or the vehicle i dont know if i should look for a lawyer its affecting my credit score and nobody is helping me and its no fair because i have proof i do not have a open a account with them its been giving me alot of problems lately what can i do? The only thing they tell me is that what 48 hrs and i call back and still they cant do anything about it???
07/16/2019	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AL 368XX	Web
I have ask this company multiple times to provide me with the amount of Interest I have paid and the amount of principal paid towards the cost of my loan ; as of today they have only provided account history this does not disclose how much of of the paid amounts were to interest. I feel that this company is a predatory lending company. My loan amount keeps increasing instead of decreasing. It is going up as I make my monthly payments. I have enclosed a document reflecting this. They will not provide me with a copy of my loan agreement. I believe that they are charging interest per day my loan is open.
01/18/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30157	Web
My XXXX fico dropped over XXXX points after a new account was said to be opened on XX/XX/XXXX to XX/XX/XXXX from innovate loan service in XXXX. I opened an account with them for a XXXX XXXX in XX/XX/XXXX and paid it off in XX/XX/XXXX. My business with them was over. Now all of a sudden this pops up and when I contact them at their XXXX offices, they claim they know nothing and I should just dispute it. But this has affected my fico. I want to get a lawyer on this because I am building my credit towards XXXX for business loans purposes and this comes up. I need someone to answer for this immediately.
06/21/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 43614	Web
I called my loan company to dispute inaccurate credit reporting, and the company name is Innovative Loan Servicing ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX XXXX is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from Innovative Loan Servicing regarding my loan payments.
01/21/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 317XX	Web
I received a letter from Innovate Auto Finance/ Dealer Funding LLC XXXX XXXX XXXX XXXX XXXX Texas XXXX stating that I was in default and Requirement of Strict Compliance. The letter was dated XX/XX/XXXX. I reached out to the company on XX/XX/XXXX through email to validate the debt because I had no idea who this company was, I never signed any contracts with them nor haven't even spoken to anyone from the company before. I go outside to walk my dog and realized that my car is missing, they had came a repossessed the vehicle without validating that I infact owe them.
04/16/2022	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TN 37042	Web
After filing a complaint and getting the updated information about this account. I sent in the information to both XXXX XXXX XXXX on two separate occasions with the updated balance but this company is still validating false information. I have a right to bring civil action against anyone, including a consumer reporting agency, who improperly obtains access to a file, misuses file data, or fails to correct inaccurate file data. At this time I was like this account to be deleted from my social immediately, since it goes against the FCRA.
11/12/2021	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NJ 07032	Web
XX/XX/XXXX there was a natural disaster on XX/XX/XXXX I called the lender stating the car was a total loss my insurance provider was stating it was inundated in I told the lender the car was going to be payed off by insurance they continued charging and collecting effecting My overall original payout XXXX to XXXX and 3 months of late reporting one person stated they didn't have notes but I spoke to someone XX/XX/XXXX at XXXXXXXX XXXX who stated all the notes where in the system this has caused irreparable damage to my credit report
11/03/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 293XX	Web
The date that this loan was open was XXXX XXXX and the amount that they are saying I owe is {$14000.00}. I applied to get a car from the creditor but was denied but they are saying that I got the vehicle and didn't make the payments. I never received the car and when I tried to reach out to them I could never get in contact with anyone. So to my understanding they took this off my credit but within checking my credit report I see that they are still on there. They are saying as of XX/XX/2015 I owe {$1900.00} which is not true!
10/24/2023	No	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	CO 80915	Web
Innovate auto financing is not reporting my payment history since refinancing my auto loan to any of the XXXX bureaus and I am missing my loan information on all credit reports. I contacted them multiple times to gain a reason as to why they don't report and I was ignored and never responded to. I am trying to purchase another used vehicle with the trade of the vehicle on my current loan that is through them, and am having trouble finding anyone who is willing due to the lack of payment history affecting my current XXXX XXXX.
10/13/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76133	Web
My loan was bought by XXXX XXXX XXXX. I called about my payment showing past due. I sent proof i made payment on XXXX XXXX 2017 and account should be updated. Reps and managers have been rude and have attempted to collect even though my loan is not past due. Also receiving calls via auto dialer even though i have specifically advise then not to call me cell phone in the dialer. I have called several times to have issue rectified.now i am facing possible credit marking about this. I will file a Ag and bbb complaint as well.
01/29/2022	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 Their investigation did not fix an error on your report	FL 33020	Web
Please refer to Claim # XXXX This issue has not been resolved. I am still showing error marking on my XXXX Credit Report. Per XXXX they must update AND REMOVE wrong late, missed payment marking reported. I have been trying to correct this since XX/XX/2021 and still not corrected. I have called XXXX several times and nothing has been done. I emailed, called and sent letters and still the same. I am requesting that Innovate Loan Finance please remove late markings from XX/XX/2021 and XX/XX/2021 immediately.
09/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30126	Web
XX/XX/2017 I reached out to Innovate auto loan company concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.
07/12/2023	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	IL 60621	Web
I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX bank account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. XXXX Report -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/28/2021	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	MO 630XX	Web
Within the past few days I changed my email subscription with XXXX XXXX to get more preferred emails. I also checked XXXX XXXX and it had the option to look at my auto loan. There were only a couple options and I read through the details then backed out. Ive been planning to refinance later in the year after my XXXX hard inquiries get dropped. There is no reason for any company to run my information. Im also curious as to how they received my information if it wasnt given or approved.
01/14/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TN 37042	Web
Each credit bureaus are showing several inaccurate information, one credit has even falsify the payment history. I have mailed a certified letter asking to validate the account but the letter was returned to me but I got letters saying that it was validate and if I had any additional question reach out to the company. The same address I used for the certified letter is the same address that was given to me. I have also submitted the tracking information but nothing has been done.
10/13/2022	Yes	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	PA 19047	Web
I paid off this vehicle back on XX/XX/2022. There was an overpayment of {$140.00}. Refund has still not been issued despite contacting the loan company and giving them my checking account information XXXX times. The last call was made on XX/XX/2022. They unable to give me an answer as to when my refund will be issued. Previous phone calls I made I was always given an excuse either they need my checking account information or their supervisor is in the hospital.
07/13/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	LA 714XX	Web
I refinanced my car a year or XXXX ago thru XXXX XXXX XXXX, and as i went to possibly trade in my car today i was informed that XXXX has not ever reported my monthly car note payments to the credit bureau XXXX XXXX can go towards my credit. It just shows they paid off the previous loan with XXXX, and then that i have closed accounts. Is that even legal to not report a customers payments??? It sounds like an under the table scam from my car loan company
04/26/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 92505	Web
The company refuses to provide a loan payoff amount to myself or the loan refinancing company. Theyve claimed their system has been down for 2 weeks and are unable to provide any account information. This has caused a tremendous financial hardship as my new refinanced loan would be $ XXXX lower than my current payment. I have tried to contact their management team and corporate offices to no avail. Ive already filed a complaint with the XXXX as well.
08/19/2018	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TN 37013	Web
I originally entered into a contract payment with a local car lot that later went out of business and sold the loan to a company whom I have documented evidence of receiving my full payment of XXXX $ for every scheduled payment to date. But I have received notice of a repossession of my car that I need to get to work if they do not receive an amount of XXXX $ I would like to ask what can be done in defense of the integrity of my career
07/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76112	Web
I received my credit report from XXXX, which show inaccurate information from company INNOVATE LOAN SERVICING CORP, I have sent letters, and tried calling the companies number provided by XXXX, with no response for 3 months straight trying to contact this company regarding this issue. The original creditor XXXX XXXX XXXX advised another company who sent me a letter showing a different amount owed. Please see this has my complaint.
03/10/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85353	Web
In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
01/16/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NV 89103	Web
They have reported this to my credit and its been 7 years this shouldnt be on my account XXXX when this happen I should up on my account between XXXX XXXX XXXX please send this company 10 years any things past 7 years isnt suppose to be on your credit it should. I havent open any new account with them why is this being reported I lost XXXX point due to this. XXXX this company needs to be out business
07/06/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NJ 075XX	Web
I tried to communicate with the company but it has not been possible. Since the initial company did a transfer of the loan to another company but when it went into my account with the new company it says that I owe much more money than I really do and I don't see the same payments applied to the loan. This has me very confused and concerned. I need to solve this as soon as possible so I can be calm
09/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	KY 401XX	Web
This account was paid in full by my insurance company! The car was a total loss at time of wreck! There should not be a charge off for this account! There was insurance and gap insurance on this account and was paid in full by them! I want the charge offf removed and made paid in full my credit should be fixed due this was paid in full in XXXX of 2016
02/05/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 77017	Web
The contract was closed i do not have the truck contract was closed its affecting my credit score and i already caller the innovate loan told me to open a Dispute with XXXX and i need help i had good credit and its lowering it please help! i have proof of the first refund of the payment because contract was closed It was the dealer fault.
07/12/2018	No	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TN 37130	Web
This company calls me everyday at XXXX XXXX XXXX XXXX XXXX, repeated calls daily even after i arranged payments on XX/XX/XXXX and was told to call back in two weeks. On XX/XX/XXXX i received 3 calls in 2 hours from this company! Each time i answer its someone always saying they have to make a note because they dont see the other notes.
06/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28273	Web	Servicemember
I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.
08/31/2022	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	OH 45356	Web
On XX/XX/2022 I paid the vehicle off and innovate owes me money for overpayment and paperwork related to my loan payoff. They continue to refuse to do anything they say they will do and have resorted to saying that they might find a way to make me owe more money instead of sending what they owe.
09/08/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AZ 85140	Web
I refinanced my auto loan through Innovate Loan Servicing. Whenever I have a problem with my loan I can not contact them directly by phone, e-mail, or chat ; XXXX XXXX XXXX XXXX, the broker that put me into this loan, has to act as an intermediary between myself and XXXX.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10453	Web
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
07/03/2023	No	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	KS 67213	Web
Have contacted Innovate Loans multiple times to see why our loan is not showing up on any of the Credit Bureaus. Always told that they can fix it, that there was a glitch in the system. Never get a direct solution. This has been going on since XX/XX/2022.
10/12/2016	No	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33155	Web
I paid my car payment 10 days past the due date in the month of XXXX 2016. The creditor ( innovate XXXX ) reported a 30 day past due on my credit report. I have communicated, but they have not taken any action, to resolve. Please help.
06/11/2018	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 339XX	Web
XXXX XXXX repossessed my truck in XX/XX/2017 they are still sending me monthly statements I've heard nothing about them selling the vehicle to reduce my loan balance and this time I loan balance with them is {$12000.00}
10/25/2022	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	FL 328XX	Web
on XX/XX/22 I received a notification indicating a hard inquiry from XXXX ferderal rcredit union. The next day Innovative loan Services did another inquiry. I have not authorized neither of those to do run my credit
08/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84109	Web
XXXX XXXX XXXX is reporting rolling multiple lates on my account. I have not received any statements or any phone calls from Innovate to inform me of any lates. I thought my payments were being made on time.
06/09/2022	No	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	TX XXXXX	Web
Innovate Auto Financial is not reporting my payment record to the two credit bureaus they say they report to ( XXXX and XXXX ). This is affecting my credit negatively and preventing necessary purchases.
01/22/2023	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	NY 10453	Web
Dealership inquires showing up on my report & I have not authorized anyone to run my credit
11/21/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 33055	Web
INNOVATE LOAN SERVIC Was opened on XX/XX/2019, with total balance of {$6800.00}
04/01/2019	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	FL 33024	Web
There are inquiries on my credit report closed accounts that I do not recognize
02/18/2023	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	NY 10455	Web
Ive tried reaching out by phone and no one answers.
05/02/2022	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	TX 78501	Web
Inquiries Want them removed
02/08/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 32701	Phone	Older American

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43228	Web

08/02/2023	No	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31907	Web

07/25/2023	No	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AL 36869	Phone	Older American

07/12/2023	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	FL 33319	Web

06/19/2023	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	FL 32216	Web

06/09/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20613	Web

06/01/2023	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	FL 33572	Web

05/09/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76542	Web

03/29/2023	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	MD 20708	Web

03/11/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07001	Web

03/07/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80013	Phone	Older American

02/20/2023	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MD 206XX	Web

02/14/2023	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	IL 60007	Web

01/26/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32216	Web

01/13/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	SC 29843	Web

12/16/2022	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	MD 20601	Web

12/14/2022	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	PA 19124	Web

11/21/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33055	Web

11/17/2022	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	FL 33141	Web

11/11/2022	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	CA 91205	Web

10/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 30043	Web

09/17/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29944	Web

09/17/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 331XX	Web

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30296	Web

08/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31216	Web	Servicemember

08/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 33167	Web

07/13/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32779	Phone

06/15/2022	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	PA 15108	Web

06/14/2022	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	FL 33180	Web

06/09/2022	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	PA 19144	Web

05/04/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76901	Web

04/28/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30338	Phone

04/19/2022	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 76548	Web

04/08/2022	No	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	FL 33020	Referral

04/06/2022	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 75254	Web

03/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91203	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 20748	Web	Older American, Servicemember

01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 34607	Web

01/18/2022	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	FL 34607	Web

12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33020	Phone

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33009	Web

11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33180	Web

07/22/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	TX 76182	Web

07/19/2021	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	IL 60555	Web

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34981	Web

06/01/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29456	Web

05/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34747	Web	Servicemember

05/03/2021	Yes	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	AL 36117	Phone

04/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 31305	Phone

08/12/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98346	Postal mail

06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37874	Web

05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 24523	Web

03/09/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan		Phone

01/15/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged		Phone

11/09/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	SC 29360	Web

07/16/2019	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	NV 89169	Web

04/22/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37218	Phone

01/24/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32835	Web

12/21/2018	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web

05/14/2018	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30083	Postal mail

03/04/2018	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 76541	Web	Servicemember

01/12/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33334	Phone	Servicemember

01/04/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Postal mail

08/24/2017	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94112	Web

08/23/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 33467	Web

04/24/2017	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75287	Web	Servicemember

03/07/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	MA 02148	Phone

11/18/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33486	Web

05/31/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 76247	Web