| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account number : XXXX XXXX, XXXX, XXXX Violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ). Delete these accounts or remove the late payments to protect your company from lawsuits.
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and I noticed you NATIONAL FINANCE CO 230 are reporting my transactions and experiences specifically late payments that you have posted on my consumer report from multiple accounts : Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NATIONAL FINANCE CO 230 Making the report is NOT INCLUDED on my Consumer report!
Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company.
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| 01/10/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Last week, we got papers saying we have a court date on XX/XX/XXXX from National Finance Company. They have known everything thats going on. For 4 years we have been GREAT payers. We havent paid XXXX payment each, probably now XXXX since the dispute started. But since the court papers were sent they have been harassing us. Badly. Letters every day in the mail, phone calls several times a day.. i have been in CONSTANT contact with them about payments. Even tried to make a pay arrangement that they refused. We found out theyre trying to say we owe {$3000.00} a piece we only borrowed {$1500.00} ( me ) and my husband {$2000.00}. This was XXXX YEARS AGO. Since then, we have been paying XXXX $ or more in monthly payments for 4 years HOW isnt it paid off?! They get you to refinance the loan and pressure you to do the online signature in XXXX to XXXX mins, or else it wont refinance. But its not refinancing. When you do this the payments go up up up and ill tell ya why. Instead of actual refinance, they open ANOTHER LOAN in your name to pay the entirety of the previous loan PLUS whatever was leftover to pay!!!!! Its fraud!!! Misrepresentation!! Harassment!!! Extortion!!! And they use fear tactics like theyre going to take the property listed, shovels, hammers, drills. They can not legally take property GET THEM TO STOP AND FIX THIS! This company is a sham! They say they only have a 30 % interest % XXXX of XXXX is not XXXX.
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| 02/13/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Please submit under the penalty of perjury on and for the record.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes.
1.The name of the original creditor ; and 2. The address and phone number of the original creditor ; and 3. The name of the person who verified the dispute with the original creditor ; and 4. The cusip information for the application ; and 5. The True Books including : balance sheet, FAS 95, Thrift Finance Report ( TFR ), FR 2046 Balance Sheet, 1099-OID, S-3/A registration statement, 424-b5 prospectus, RC-S and RC-B call schedules.
6. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 7. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect.
8. Please furnish the license of the person collecting on the debt.
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| 10/19/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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After disclosing to XXXX XXXX located in XXXX XXXX XXXX, SC on XXXX XXXX XXXX XXXX XXXX XXXX, that I was unable to make my next payment due to a death in my immediate family. They were reluctant to work out a payment plan with me at the time and encouraged me to submit payment as soon as possible. I immediately starting receiving threatening letters at my home address demanding payment or my items would be seized and/or I would be sued by their company. After carefully reviewing my credit report, I noticed that XXXX XXXX made UNAUTHORIZED HARD INQUIRIES on XX/XX/2022 and XX/XX/2022 that I did NOT give permission for. XXXX XXXX XXXX has no permissible purpose according to the FCRA. When I called to inquire about the unauthorized hard pulls on my credit report, XXXX, ( employee of XXXX XXXX ), claimed he had no knowledge that this was done. Due to those unauthorized hard inquiries and unfair reporting practices, Im unable to receive any further loan assistance. Attached is a document proving the hard inquiries were pulled via XXXX XXXX.
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| 07/27/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have filed several complaints and have told them multiple times to stop calling me. They refuse to do so. My payments have never been 30 days past due. I have never missed a payment and today I am only 9 days behind and they are calling again. I have told them over and over to stop calling me. They are calling my cell and during my work hours. They know this but do not care. When they are not calling about payment they are trying to solicit! The name of this company is National Finance Company located in XXXX NC at XXXX XXXX XXXX XXXX XXXX XXXX zip code XXXX. Their phone number is XXXX. My name is XXXX XXXX and my account number with them is XXXX.
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| 07/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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XXXXNational Finance Company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Lender sent live check for loan in mail with terms. Check was cashed in agreement with terms. Lender will not provide any statement of account in writing, web site payment option does not show amount due, owed balance, when next payment is due, principal or interest.
When you call their office you are told they do not provide anything additional in writing and never have.
Making payments blindly online, with no confirmation the payment is applied to your account.
The staff is rude and demeaning, bad choice on my part.
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| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 10/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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| 03/31/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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| 03/22/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 01/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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| 02/03/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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| 01/30/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Servicemember |
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