Nicholas Financial Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/01/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45417	Web
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 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 Better Business Bureau, 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. 1. NICHOLAS FINANCIAL INC 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/15/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43232	Web
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 Better Business Bureau, 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. 1. NICHOLAS FIN bal. {$1800.00} 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/18/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43228	Web
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 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 XXXX 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. 1. XXXX XXXX bal. {$2900.00} 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 453XX	Web
Before XX/XX/XXXX My husband called Nicholas Financial to inform them his XX/XX/XXXX payment would be paid on XX/XX/XXXX ( which is still within the grace period of 15 days, leap year. ) We were told by the representative that that was fine because this was within our grace period. This is something we have done once or twoce in the past with no issue. On XX/XX/XXXX as promised, the XX/XX/XXXX payment was paid to Nicholas Financial and they informed us our last payment of approx XXXX was due XX/XX/XXXX. On XX/XX/XXXX We received a notification of a significant change on our credit report. Upon looking at this we saw that Nicholas financial had closed our current and 100 % timely paid account and marked it as a charge-off/loss on XX/XX/XXXX. We were never informed the account would be closed or for what reason and our account has never been delinquent for the entirety of our loan. The account still has scheduled payments with zero delinquency as our credit report reflects. I also noticed multiple dates were used on the last payment date. One says we last paid on XX/XX/XXXX, the other says XX/XX/XXXX ... One report gives no information about or payment details or total loan balance but the other does. I contacted the company hoping this was simply a " mistake '' or " error '' but they insisted they intentionally wrote the charge off. I asked them to explain why I never received any notice or a reason for the charge off, and they said they did not have to give me a notice. They informed me they charged off the account because of delinquency, to which I responded that I paid the payment within my grace period and the company was given a courtesy call to inform them they would be receiving the XX/XX/XXXXpayment on XX/XX/XXXX and they confirmed this was no issue because it fell within my grace period. After explaining this, the man then informed me that it was an insurance claims loss to which I responded how that was possible? Our car was totaled last year and the remaining balance was to be paid by us by paying our regular monthly payments until the remaining balance was paid in full, which we had been doing since last year. The man went round and round with, coming up with excuse after excuse as to how the charge off ( which is used for severe delinquency with no expectation that the borrower will repay ) was legitimate, to which I knew was not true at all. He even went as far as to say our old contract was null and void, to which I said, if that is the case, then I don't owe you anything, so he changed his mind on pursuing that spin. I then asked him why he was still accepting regular and scheduled payments with me to which he replied, because we can. I then asked him why the company was writing charge-off 's on open and current accounts knowing these charge-offs are used for tax deductions at the end of the year. I told him this sounded very much like tax fraud to me ... not to mention they had the audacity to offer us another loan whilst destroying my husbands credit, preventing him from obtaining any loan other than through them, which sounded very illegal to me. He responded very coldly to this and said ... " You shouldn't even mention the IRS and federal Reserve unless you know what your talking about Trust me, that's not a road you want to go down '' or something along those lines ... To which I replied, " That is the road I intend to walk and my right. I intend to report you if you admit you are willingly committing fraud. Not only that, you admitted several times this is " company policy '' and " standard practice '' which makes me assume you are doing this to all or at least many of your customers on a regular basis. This sounds illegal and you are refusing to correct it. '' he informed me that " His company doesn't go by Federal Reserve or the credit reporting act, we have our own policy. '' I informed him that his company policy doesn't omit them from the law to which he responded, again, that I didnt know what I was talking about. At this point I could sense he was trying to intimidate me and a shouting match pursued. He informed me he would have a compliance officer contact me and hung up the phone ... no one has contacted me. I have all of my credit report info screenshots, my contract, and my bank statements to prove my compliance with the loan terms. Which I will not provide to the company at this time as I intend to pursue this legally. I have since reported this company to the IRS and FTC as I suspect there is a massive scheme being created by intentionally destroy customers credit so they have no choice but to accept a new loan through Nicholas Financial Inc ( or another equally shady subprime lender ) once the customer is close to paying off their loan. Not to mention regular and massive tax fraud via false/misleading charge-off profit & loss reporting.
07/20/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	OH 437XX	Web	Servicemember
I'm a XXXX yrs old XXXX and purchased my first car from a Dealership XX/XX/XXXX. I had a XXXX credit rating due to not ever financing anything. I went to XXXX XXXX looking for a reliable vehicle to get me to appointments etc. I got a ride to the dealership which was an hour drive each way after calling them and getting a pre-approval through Nicholas Financial. I arrived had {$1000.00} cash I had been saving to put as a down payment. They showed me 4 different vehicles 1 which I liked a XXXX XXXX. I told them this is the one I like and would like to buy, after about 2 hours of waiting they said we are still working on it and would call me the next day. The next day I received a call from them saying we couldn't get you approved for the XXXX or any of the other 3 cars we showed you but they had a 2012 XXXX XXXX they could get me financed for through Nicholas Financial if I could come back up that day and see if I liked it. I got a ride again another hour to get there and looked at the XXXX which was a very nice looking car and seemed to run and drive well on the short test drive they let me take it on. So after giving them just about every piece of information about me, several references and another 2hr wait it was a go. I sat in the lobby for about another hour waiting for the Finance Manager so I could sign all the paperwork. As the Finance guy was shooting papers at me as fast as he could The Finance Manager informed me that Nicholas Financial would not finance me unless I bought a Warranty and GAP insurance. I was never shown this Warranty or whom it was with nor did they give me any options of what Warranty I could choose from. Not knowing any better and being a first time buyer I signed the paperwork and was charged {$1000.00} for the Warranty and {$790.00} for GAP insurance which I had no clue what it was because I had full coverage insurance. I got in my car drove off the lot and 20 mins into my 1 hr drive my check engine light comes on. I immediately pulled over, called the dealership and told them what was going on. My salesperson told me let me get with my manager and call you back. I never got a call back and drove straight to an Auto Repair shop in my hometown. They told me based on the codes they pulled that I needed 2 fuel injectors and an o2 sensor replaced and 1 code was permenant and the dealer probably cleared but would always come back on until the repair was made. The next day I still never got a call back from the dealer so I called them and was transferred to a Manager who told me I had a Warranty and would need to call and make a service appt. I explained I was never told who the Warranty was through or what it covered, he said thats all he could do. I called Nicholas Financial whom made me purchase a warranty and explained this whole ordeal that started just 20 mins after driving off the lot and was told well just keep on the dealership so they could get it fixed but didn't have my warranty information yet. End of story at this point was I drove it short distances until about 1-2 months later I received a warranty card in the mail and the name of the Company XXXX. I called them regarding the issues and my Warranty coverage and they advised me the Warranty I purchased didn't cover those repairs and that was an ad on for electrical and another for sensors. I was now able to look at what Nicholas Financial picked as a Warranty which was basically a drivetrain warranty. To date I have paid close to {$2000.00} dollars of money I had to borrow to have repairs done not covered by a Warranty I was forced to buy from Nicholas Financial. Being XXXX this has put a huge financial burden and unwanted stress on me. I have contacted Nicholas Financial several times asking for them to cancel my Warranty and GAP insurance because that was a backdoor tactic, illegal and I was under the impression I had to purchase which totals {$1800.00}. I have talked to the Manager XXXX XXXX via email along with other employees so I have documentation and the Corporate Compliance Officer XXXX XXXX and they have never addressed the Warranties I was tricked into purchasing just send them a copy of the repair invoices and he would see if the Warranty Company would cover it. I sent them both a copy of my Warranty and highlighted what it covers and mine does not cover the repairs needed. I even tried trading the car in for a new one 8 months later but the dealer got 3 different payoffs one being {$100.00} less than what I purchased the car for 8 months prior so they said they couldn't do it. I'm stuck with a car which has had electrical issues since 20 mins after purchasing it. I'm so stressed and frustrated I even asked to return the vehicle several times and they would just tell me to call them and they could help but I told them email was my communication so I had documentation.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44121	Web
In accordance with the Fair Credit Reporting Act, Nicholas Financial : Account XXXX XXXX XXXXXXXX, has violated my rights. This company continues to furnish to consumer reporting agencies my approval of a specific extension of credit, 30+ day late payment from 2019 to the current date and they are furnishing my nonpublic personal information to nonaffiliated third parties without my consent. U.S. Code 1681a ( d ) ( 2 ) Exclusions -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Nicholas Financial furnishes information to the consumer reporting agencies without my consent and written instructions. 15 U.S. Code 6802 - Obligations with respect to disclosures of my nonpublic personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not provided opportunity to agree to opt-in or out of my nonpublic personal information be reported to any of the consumer reporting agencies. I have the right to privacy, accuracy of any information furnished to my consumer report as well as that information is furnished. Since Nicholas Financial has furnished this information from 2019 which Congress states is excluded from my consumer report pursuant to section 1681a, my creditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing themy eligibility for obtaining creditor insurance to be used primarily for personal, family, or household purposes has been harmed. While communicating this to NicholasFinancial, I was told by their representative that they must furnish this information. Now I'm requesting help from the Bureau.
07/21/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AL 35022	Web
To whom it may concern : On Friday XXXX XXXX, 2017, I purchased the vehicle identified in this letter from XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX ( salesman ). I was informed by XXXX in order for my loan to Get Approved I would need to sign all paperwork and add insurance to the vehicle before seeing or test driving the car. My response, I am at work and I can not leave today and his reply, I will come to your job. He arrived with paper work for me to sign and refused my request to make copies. Not to mention he did not drive the XXXX advertise for me to purchase. Also, I explain to him on several occasions I wanted a XXXX and his reply was keep this car 4 months and trade the XXXX in and I will get you a XXXX. Unfortunately, the vehicle has not been satisfactory because of the following : 1. Mileage ( incorrect ) 2. Inspection & Maintenance report? 3. Oil change ( receipt ) 4. Visible damages to the bumper 5. Head-Lights not clear 6. No additional key 7. Blue tooth & CD changer capability 8. Neither Cigarette charger works 9. No working navigation & etc. I was informed by XXXX all the items identified in this letter would be corrected once I purchased the vehicle. On Saturday XXXX XXXX, 2017 at XXXX, I text and called XXXX to return the vehicle. I did not hear back from him until Monday XXXX XXXX, 2017 at XXXX by text that he was in a closing. I have gone to the XXXX location for several weeks and no one is ever there. Finally, XXXX returned my call, stating give me a couple of weeks to make the repairs and you will be satisfied. After two weeks XXXX state, I would have to pay for the repairs. This is not what we agreed too. I reminded him of what he said and his reply sorry you are going to have to pay for it. Wednesday XXXX XXXX, 2017 at XXXX XXXX text XXXX and drove to the office. I disagree with his decision. I should not incur any additional cost due to the following under Alabama Code : Deceptive Trade Practices Title 819 Unlawful Trade Practices8-19-5 False Advertising Under Business & Profession Code False Advertising Title 819 Untrue or Misleading Known or Should Have Known Unfair Business Practice Alabama Code Title 27 Insurance 27-12-18 Alabama Business Compliance ( fiduciary responsibility ) Alabama Code Title 6- Civil Practice 6-11-20 Wrongful Intentional Act Consumer Protection Act Fair Credit Reporting Act I look forward to settling this matter amicably. If, however, the matter is not satisfactory resolved by Friday XXXX XXXX, 2017, I will consider taking legal action to resolve the matter of fraud and deception through the Department of Commerce, Better Business Bureau and State ( s ) Attorney General.
09/29/2018	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 32256	Web
On XX/XX/2018 I was in the process of buying a car. However I was not aware that the company that I was buying the car ran my credit over 15 times with multiple different companies. Consequently no company agreed to finance me due to not showing enough debt to income. With that being said, I still am stuck without a vehicle. So I took it upon myself to write to the different companies asking for favor, second chances and good faith. If they could not find any of the 3 then would they please remove this inquiry so that I will have the opportunity to purchase a vehicle. Thus far several of the companies have worked with me and removed the inquiry because they understand that NO-ONE is going to finance me with all of these inquiries on my credit report. They also apologized for the inconvenience and stated that give it 30-45 days to clear and to find a better paying job then come back and they will try to work something out for me. Now my problem is this company called Nicholas Financial Inc. will not budge. XXXX XXXX XXXX has stated in several of the letters that even though they will not finance me, nor give me an option to receive a second chance, they will not remove this inquiry. Then she stated in another letter that all dealerships have the right to pull credit reports even if they know they are not going to finance that person. So what is the purpose of pulling someones credit report when you know that it will hinder their chances in the future. I have sent 3 letters, pleading and begging that XXXX XXXX please remove this inquiry. I still need to purchase a vehicle so that i can get to the " low income '' job as was stated in another letter. I still need a vehicle to get to and from period. Why is it so hard for you to remove this inquiry? What would happen if this inquiry removed? Who would hurt from your company if you deleted this inquiry? XXXX XXXX also wanted me to know, " that several inquiries over a short period of time from the same type lender within a short period of time only affect your credit ''! With that being said, then what is the hassle to help someone out and remove the inquiry?
12/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 331XX	Web
I started a loan on XXXX for {$14000.00} for a Term of 66 months., with Nicholas Financial, Inc . I have been paid $ 392.oo monthly since then until Today 's date. I am current on payments. I just got behind on payments up to 120 days on XXXX because I was unemployed. But as soon as I got a new job, I paid all the fees imposed by the Company to avoid loss the auto as I was treated it for and the condition was to put the account current at that moment. Since then, any payment I have missed. But is unbelievable and unacceptable that even that the XXXX XXXX XXXX still have and report is almost the same when I started ... and is not getting down : {$10.00}, XXXX. More than half of the payment goes to Interest, which is something several times I have complain about ; but not one fix or adjust it, care or respond me as should do. I have been charge several times by expense insurance premiums, without notified me previously and even the Ins. company reported for me that I have coverage. That supposed is one of the additional charges, Company said I have, plus a lot of fees that are not right. I have never received any formal statement with the complete history of payments as per I requested several times. Actually, I have nor received bills since more than 2 yrs, when I asked them for... But according to an email received, from department on head quarters, where I complain through an email, the answer of all my complains is : " that is what it is '' and nothing else to change. So, because I have not had time I have to continue paying and paying, first to don't affect my credit and second because I need the car. I tried to change the car to get out from that loan but the outside down is too high. Car has lost its value, and I still have a big loan balance after 68 months paying. I am unemployed again now and I just thinking in bankruptcy just for it. Co., report to credit bureaus that I have paid just 28 payments. That really disgusting me, I am very stressed about it ... for long time I don't know what to do ... Its not fair what that Co.is doing. I have paid more that {$26.00} K. Please help me!! Thank you!
10/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	KY 40241	Web	Servicemember
I purchased a XXXX XXXX XXXX through Nicholas Financial in XXXX of XXXX. The term of the loan was 48 months. At the end of the 48 months, actually 52 months, I was told that I still owed over {$4200.00} for the vehicle. After several unanswered question, multiple complaints, and heated discussions Nicholas Financial repossessed the vehicle in XXXX of XXXX. They reported to the credit bureaus that I defaulted on the loan and still owed {$4200.00}. I attempted to contact them several times, with no success. I later found out that their XXXX office had permanently closed, and that they couldnt give me any answers because the office and paperwork was left in a mess. I then contacted the headquarters in Florida to discuss the charges at the end of the loan. The representative explained that it was for company forced insurance that they placed on the vehicle. I explained to her that I didnt need that because I had my own insurance on my car. Her response was that if my insurance company didnt continuously update them during renewal time then they would automatically force place the insurance, even though nothing about the policy had changed and there was no lapse in coverage. I asked her why wouldnt they just reach out to me to verify coverage, she didnt have an answer. I then asked for information about the insurance company and what kind of coverage it provided. She told me that it was an in house insurance company and that her computer couldnt give her any information about the actual insurance or policy itself. As I kept questioning her about the price, frequency, and decision to start the insurance without notifying me she became increasingly agitated and aggressive. She eventually hung up on me. I paid for 52 months on a 48 month loan, and they still repossessed the car. How are their actions legal? What can I do to get this removed from my credit report, other than pay them more money?
08/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39564	Web	Servicemember
On XX/XX/XXXX I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in JXX/XX/XXXX, the XXXX XXXX obviously provided validation, and XXXX and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX that claims that Nicolas Financial is the culprit.Additionally: They say in the prior complaint that they could not locate this paid and closed account, upon calling they were easily able to locate the account and discuss this with the credit reporting department in their organization who still has not corrected this erroneous entry into my XXXX report and does not seem to have a clear understanding/comprehension that marking a paid account 30 days past due as the current status is not just inaccurate but false, the Status of this account is paid/current further this account has not been marked as disputed by me as inaccurate and is directly and negatively affecting me. This is a 3 year old problem!!! Once again this account reporting is in violation of the FCRA section 609. for further reference the account number on the file is reporting as #XXXX, My maiden name if it helps them locate it in their records is XXXX. I ask that this account IS REMOVED in its entirety otherwise I will take all further necessary action due to me by law.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web
Subject : Formal Notice of Intent to Pursue Legal Action for FCRA Violation Dear Nicholas Finance, I am writing to express my deep disappointment with your response dated XX/XX/XXXX, in which you have chosen not to provide the information I have requested obviously you enjoy going against the law. This information pertains to unauthorized credit inquiries made by your company, which, in my view, constitutes a violation of XXXX compliance and a clear breach of the Fair Credit Reporting Act ( FCRA ). In your response, you refer to certain credit inquiries initiated by me, indicating that on XX/XX/XXXX, I submitted an application to XXXX XXXX XXXX, and on XX/XX/XXXX and XX/XX/XXXX, I submitted applications to XXXX XXXX XXXX. However, I must emphatically state that I have neither provided consent nor authorization for these credit inquiries. Your company 's decision to absolve itself of responsibility by redirecting me to the dealerships for application verification is deeply unsatisfactory and evasive. I have made a legitimate request for the general or specific certification that was sent to the consumer reporting agencies, as per my rights under Rule 1002 of the FCRA. It is essential to remind your organization that FCRA Section 619 imposes criminal liability on those who knowingly and willfully obtain consumer information from a consumer reporting agency under false pretenses. Your company 's actions have caused me significant harm, ranging from the invasion of my privacy to disruptions in my financial and emotional well-being. As a direct result of your company 's willful violation of the FCRA, I have been unjustly denied access to new credit and increases in lines of credit. In compliance with FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ],
04/05/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 30106	Web
When I got the truck off the car lot its was running fine then when I went to pick my kids up from school and started smoke and I had find someone take the truck over where he at and so I call the tower truck man come pick it up and he gave back next day and the air went out and the truck then its raining in there and the truck from the top so o ask him can I get XXXX row for me and my kids got XXXX kids so he gave me A XXXX seat and told me try to wait until XXXX so I try them i after I got XXXX tickets I call him told him dont want do truck no more cause I have got a tick and there so the bank man call me and say why wouldve he give u a big truck for kids and I took the truck and drop back off at his lot and its was pay update so the man at bank XXXX the truck to someone else and tell me that I have to pay for something didnt work for me at all after someone else got truck Im Not about to pay for no truck that I dont have and what he sold for cause I told him what was wrong with truck I think its was lemonade cause i away couldnt go home to XXXX XXXX the truck will get hot fast and my kid always sweating In theres. He just wrong for charging me XXXX XXXXXXXX dollars and he sold the truck then put its on credit. That not rite all how someone gone pay for a trust that they ant got and I made the payment when I had the truck even know I drop off early month and I still pay the truck theyl so I stop pay for it Cause thats just wrong making someone pay for a something they Ant got and I just draw XXXX so how can I pay for something when my check XXXX XXXX even no i dont have incomes like that no more cause my kids income have dropped
01/10/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 329XX	Web
There were faults done by both the Dealership I purchased this vehicle from XXXX XXXX as well the Creditor Nicholas Financial. First off thank god the dealership was caught red handed and the government shut them down and a class action was filed. But the dealer offered a warranty that they did not back, I had multiple issues with this vehicle and they refused to fix with the purchased warranty, so I had to return it. And that 's not the creditor 's fault I blame them zero for that so I never approached it. My problem with the creditor is they improperly handled my case. By law they have to notify me that my car was being sold so I have the option to buy. Then it was sold and and any money owed to me or owed to the creditor has never been updated. In their system the original price was roughly {$9000.00} and I owe them {$13000.00} on a XXXX loan. They show no credit for my car being sold taken off of the balance. So they have double dipped on my automobile. They got the car back and did n't credit me for the sale price. Well I searched the vin and contacted the purchaser, he purchased it as is from an auction in north Carolina for {$10000.00}. My question is where is the credit for the sold amount? Please take a look at my file for yourself and see nothing has been updated and I owe {$13000.00} on a {$9000.00} vehicle with NO CREDIT from the sale of the vehicle. The question further in this is did they claim the full {$13000.00} tax loss when they received money from the sale of my vehicle? If this proceeds a further in depth look will be done.
04/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46514	Web	Servicemember
First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help
04/01/2020	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	GA 31419	Web	Older American
this is a charged off account for an automobile of mine that was repossessed a few years ago. I was trying to fix my credit so I had my credit report on my computer looking at it so I called the lender that I bought the vehicle from to inquire about the amount the vehicle was sold for at the auction and how much they claim that was charged off so while going over the file he the rep told me that he could mail a copy. then he proceeded to say that he seen an old complaint that I made to them about items that I did not receive out of the vehicle when it was repossessed. so I said no one never contacted me back so I just left it alone. so then he proceeded to get smart with me saying do you think we suppose to deliver them to you. so as to not engage in an argument with him I hung up. he kept calling back so I blocked his number. then 10 minutes later I received a notification to my email that someone just pulled my credit .I pulled up XXXX XXXX to see who it was and it was him the rep. I called him back and told him I just got notification that he pulled my credit and then put it in as a hard pull and stated auto loan. I was furious because I am trying to get my credit straight in order to buy a house in the next few months. he laughed and said yes he did and that I told him to do so I said I was reporting him he said so what and hung up I called you all and was told to file this form.
07/11/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	KS 660XX	Web
The company will call me multiple times a day and send multiple emails. Sometimes they will call me back to back within an hour. One representative named XXXX has been repeatedly rude, aggressive and one time denied a payment I offered to make to work towards reconciling my account. I have asked repeatedly that he no longer contact or communicate with me regarding my account, verbally and in writing and he continues to contact me. I have even told management that I do not want him to contact me and they assured me that he would no longer contact me or handle my account. I have made them aware of my financial situation several times and that I will make payments as much as I can monthly. They did not offer to lower my payments, give me a lower interest rate, or anything so I am doing the best I can to make as close to {$400.00} a month payments monthly to them. They have also contacted me for payment during the grace period of 10 days. I want the harassing and excessive phone calls to stop and they can communicate with me in writing or via email, and not repeatedly, everyday. I have just been made aware that this is my right as a debtor and I do not have to be subjected to harassment from a creditor even when I am making efforts to reconcile a past due account. I would greatly appreciate assistance with this matter as the company has been unresponsive to my complaints.
11/14/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23059	Web
In XXXX of XXXX Nicholas Financial refused to process my payment, thus pushing my loan into default and showing a late payment on my credit. It ' ; s important to know that, I had restricted from making payments online, even after I asked that the problem be corrected, so I was forced to email a representative when I wanted my payments withdrawn. I have an email showing that my payment was not taken out as instructed. After my loan defaults, I find out that I was not only over charged, but that these people have committed fraud against me. First, I never gave permission for Nicholas Financial to run my credit in XXXX of XXXX. No one asked, they ran my credit even though I financed my car in XXXX XXXX. I want that inquiry removed. Also, that amount shown on my credit report of {$8700.00}, reported by Nicholas Financial, is incorrect and should also be removed from my credit. Nicholas Financial has passed off a insurance fee, which is not valid, as the policy was canceled at inception ( it never was in the insurance world ), yet they have charged me and demanded that I show proof of insurance to them! It's crazy. The issue is, there was never a policy so why am I being charged? Further, as per the insurance rep that I was directed to, the policy premium was refunded to Nicholas Financial in full. This is fraud! I
10/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23608	Web
i call this company nicholas financial about 2 months ago about a matter they they are reporting on my XXXX report i spoke to a young guy name XXXX he told me that they had sold the car that got repo fir {$1900.00} at a auction ... Ok so on my XXXX credit report the are reporting a balance for {$15000.00} That saying i owe thats is miss leading how i owe that and u all wrote that off on u all taxes and sold the car for {$1900.00} as the guy XXXX that works there said it sold for {$1900.00} and also i have request for all documents i wan na see all PAYMENTS made or miss i wan na see all applcations with my name and show me id i wan na see payments insurance forms and i want a acution recipt ASAP for my records according to the fcra its my right to request all documents and if i dont recive these items with in 30 days i will push for further legal action and also plz send all payments recipts because u all have so many late dates on my XXXX reports that are fraud and u all no but keep telling XXXX everything verfiled its not right to report fraud information on people credit that trying to make a change in there lives my score been hurting for months form u all report missleadinfg info on my credit report plz fix in 30days PS.. plz SEND ALL DOCUMENTS TO ME FOR MY RECORDS FOR LEGAL ACTION
12/29/2020	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	WI 53224	Web
In XXXX XXXX and XX/XX/2020 I have submitted disputes with the XXXX credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. XXXX refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.
05/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 33993	Web	Servicemember
In XX/XX/2020 due to COVID-19 being laid off from job, I made a request for a Hardship. I was told I had to pay the interest. I was sent a deferment form to complete. I refused to sign it because I had asked for a Hardship and was told it was the same thing. I later contact other companies and lenders and was told a deferment and hardship is two different things. I the contacted the corporate office and spoke with XXXX who stated his supervisor informed him that they would do a hardship only if I pay a full month. It is my understanding due to the COVID-19 several lenders are giving people 2 to 3 months. Because I refuse to sign a deferment and pay XXXX that I didn't have at the time, I requested a Hardship. Nicholas Financial reported negative information on my credit in retaliation to cause damage. My credit report shows never late over 30 days for the past two years and they are being very inconsiderate due to the pandemic that is happening with borrower. The Care Act inform lenders and creditor to remove late fees and not to report anything negative that will effect one credit during this time. Nicholas Financial refuse to comply with the Care Act
09/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MO 635XX	Web	Older American
I have a used car loan with Nicholas Financial , Inc., XXXX XXXX XXXX XXXX, XXXX 's XXXX, MO XXXX. I did not choose this company - the car dealership arranged the credit with a different company, but a few months later the debt was evidently purchased by Nicholas and I had no control over it. Since the car dealership propagated another scam on me related to inferior car insurance, perhaps this change in loan companies was a similar bait and switch. Because of the exorbitant interest rate, and because I improved my credit rating drastically since I purchased the vehicle, I contacted my bank to request refinancing. The remaining loan was beneath their threshold for auto loans, but they offered a XXXX interest credit card instead. I contacted Nicholas to pay off the loan, but they refused to accept a credit card payment. My bank insists I should be able to make a payment with the card, but Nicholas refuses. I made a large payment via my checking account in the meantime, but I believe this is an unfair practice designed to continue to collect ridiculous interest, while I lose out on 0 % interest and bonus points on my credit card.
01/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37205	Web
To whom this may concern : I am writing to you about the illegally fraudulent act of a inquiry on my credit by Nicholas Financial Inc XXXX, OH ( XXXX ) XXXX This illegal activity Nicholas Financial performed on my identity was around XX/XX/2018. I called the manager of the branch and spoke to a gentlemen named XXXX and asked him why did he pull my credit, and he stated To get your attention regarding a change in your personal information .. I have a great track of payment record and this was an unfair act that hurt me. I want us to take action and justice and seek damages regarding this company illegal act. This has caused me pain, stress and sorrows. This fraudulent act by this company caused damage to my credit FICO and has dropped my FICO score over - 100 pts causing me to lose the opportunity to purchase a home for my family and kids and also hurt my chances of me closing on the personal loan to help my family. Please, I am asking for you to remove this hard inquiry from my credit and help me take justice to this company. I do not want others to be affected but this illegal threatening way of practice. Please help me.
12/18/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33410	Web
I opened a car loan XX/XX/2009 with Nicholas Financial for a XXXX XXXX. The loan was for 54 months at the payment was {$330.00}. I fell behind due to my grandmother getting ill and I had to travel back and forth to Florida to take care of her until she became so ill that I had to relocate. I tried to contact them on several occasions to discuss the situation but to no avail. My car was repoed and during the I was dealing with my grandmother I couldn't give it as much attention as I wanted to. However, I did call several times as well as sent a letter. Nicholas Financial sold the car in question and then requested an incorrect balance for me to pay. I am now in search to obtain housing for my grandmother and I and due to this incorrect balance/charge off showing it is very difficult to do so. I tried to contact Nicholas to deal with this matter but this time all my correspondence came back. Unfortunately nothing Nicholas financial promised they did. I understand I'm responsible for the loan, but I truly tried to contact them prior to getting behind in my notes, while I was behind, during the repo process and afterwards.
02/05/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28217	Web
I financed an use vehicle on XX/XX/XXXX.which turns out to be a lemon. Within the 1st week I had to return to the dealer 4 times because of engines problems. By the 3 week, I explained to the dealer that the vehicle they sold me a lemon and I wanted to return this vehicle or give me another one. The dealer informed me that they can not do trades. I continued to have issues with this car. It finally broke completely down. So I told them to come pick up this car from the mechanic shop ( 6 months later ). During this time I was still making my {$320.00} payment every month till the vehicle broke down. At this time I did speak with Nicholas Financial regarding all the mechanical issues I was having but they informed they could not reverse the loan. Now Nicholas Financial is reporting on my credit that I owe {$7900.00} for this lemon. I never received any type deficiency notice from them. Nicholas Financial also reporting payment history for XX/XX/XXXX and XX/XX/XXXX like i still have the vehicle, which is definitely affecting my credit.
09/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21234	Web
In late XX/XX/XXXX I began experiencing financial hardship which prevented me from being able to make my car loan payments with Nicholas Financial on time. In XX/XX/XXXX the vehicle was repossessed. Since then I am back on my feet and have invested alot of time and resources into getting my credit back on track. So much so that I am in the process of purchasing my first home and need all of my information to report as accurately as possible. The underwriter on the mortgage loan is questioning the status of the balance of the repossessed account. Basically - is it charged off. I spoke to XXXX at XXXX @ Nicholas Financial corporate office who advised that the vehicle has been deemed as CHARGED OFF since XX/XX/XXXX but that they will not change the status from repossessed to charge off because the credit bureaus know what it means. That may be true but the underwriter doesnt have to and the wording on any account should be accurate. The repo happened BEFORE the charge off. The account should have been updated after the occurrence
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web
I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
01/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 44012	Web
In XXXX, I had a car loan on a XXXX through Nicholas Financial. They increased my payments by at least a {$100.00} more a month. I had many discussions with the company and was told that if I let them take the vehicle back, all further debt would be erased considering they could sell the vehicle for more than what was owed. The entire time I had that vehicle, there was nothing but issues with it. I had to replace brakes, tires, the fuel pump, rust spots, and much more than I can hardly remember. Now, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is claiming that I never made a court hearing in XXXX XXXX XXXX XXXX back in XXXX ( I was living in PA and had never received any mail, emails, phone calls, etc. about a court hearing. This money that they claim I owe, isn't even on my credit report. And now XXXX XXXX XXXX is coming after me for it again with 17.950 % interest tacked on. I do not owe this money and I am appalled that this is something I'm dealing with nearly a decade later!
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web
Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXX and XXXX dollars - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web
Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXX and XXXX dollars - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
05/27/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32506	Web
Ive been with Nicholas Financial for almost two years. Our relationship started off Rocky soon as I purchased A XXXX XXXX XXXX my car begin to have MAJOR transmission problems I had to pay money out my pocket multiple times to get my car back and running and I was also missing work because of this situation. It was times the car wouldnt go in reverse and I was stuck out of town for HOURS. I got stuck on the highway, this car was very dangerous to drive. I became late on my car loan because Im not financially able to spend that much money on fixing a car that I just bought and still have to pay rent and utilities. So I became late almost every month because I was too busy trying to catch up on rent and utilities. I believe if I was never sold a lemon I would have been able to afford having my car paid on time every month. I need Nicholas to help and change my late payments to positive it would really help with all thats going on in the world right now.
04/12/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	KY 41071	Web
I contacted Nicholas financial at XXXX to advise them I was not responsible for this debt. They are trying to make me pay for a car that I bought from XXXX XXXX in XXXX Kentucky in XXXX and had to return in XXXX due to financial difficulties, for less. They claimed to have sold the car and that I still owe roughly {$6000.00} for it, when originally I bought it for {$4000.00} plus tax and interest ( this is an estimate ). They never reported any payments to the credit bureau, however they have placed this erroneous debt on my credit report. I have called and have been told I can pay {$4000.00} but I did not owe that much when I asked them to pick up the vehicle because I lost my job. Ive been hung up on because I told them Id be reaching out to the XXXX ( who instructed me to reach out to the FTC. Please help me get this removed off my credit report.
12/04/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32159	Web
I took out an auto loan in XX/XX/2020with Nicholas Financial, acct # XXXX XXXX XXXX phone # XXXX XXXX XXXX. Since the origination of this loan my payment dates and application of my payments have been incorrect. In the beginninng, they told me my payment was due on theXX/XX/XXXX. Now its on the XX/XX/XXXX. Moving along, they are now telling me that they will reposess the car if they dont receive 2 full payments by XX/XX/XXXX as Im 90 days late. Wrong. First of all, in the attached documentation from Nicholas, it says that my next payment due date is XX/XX/XXXX. That being said, I wont be 90 days late until XX/XX/XXXX. Regardless, pleae review all of the attached documentation and you will see that they are not giving me credit for my payments forcing me into delinquency which is affecting my credit report.
07/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39564	Web
On XX/XX/XXXX I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in XX/XX/XXXX, the XXXX system obviously provided validation, and XXXX and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX that claims that Nicolas Financial is the culprit.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web
Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web
Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web
Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34609	Web
On XX/XX/17 I received a loan with a finance company XXXX XXXX, my loan amount and length of agreement were {$410.00} for XXXX months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web
NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
01/19/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32246	Web
I PURCHASED THIS VEHICLE IN 2016 LOAN COMPANY AT THE TIME WAS PLATNUIM AUTO XXXX I MADE PAYMENTS AND SOME TIMES I WOULD DOUBLE UP I WAS PLACED ON A PAYMENT ARRANGEMENT UNTIL I GOT CAUGHT UP FEW MONTHS LATER I FINDS OUT THIS COMPANY TRANSFERED MY LOAN TO ANOTHER COMPANY NICHOLAS FINANCIAL THE PAYMENTS I WAS MAKING THE SUPERVISOR WAS TAKING IT AND SHE WAS FIRED SO NOW THIS COMPANY I'M WITH NOW HAS STARTED MY LOAN ALL OVER AND EACH TIME I'M MAKING A PAYMENT IT'S GOING TOWARDS THE INTEREST AND NOT THE CAR THE LOAN IS STILL AT XXXX I REFUSED TO CONTINUE TO MAKE PAYMENTS AND IT'S NOT GOING TOWARDS THE CAR I SHOULD HAVE BEEN DONE PAYING ON THIS CAR I'M CONSIDERING HAVING SOMEONE TO BUY IT I NEED SOME HELP PLEASE
11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 349XX	Web
I checked my XXXX Credit Report and note a hard inquiry on my Credit Report from " Nicholas Finance '', for which I have no knowledge of nor have I contracted with them. Nicholas Finance has not provided any contact or account information so that is verified or validated.This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.
05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32563	Web	Servicemember
During coronavirus last year I made payment arrangements for my auto loan with Nichloas finacial. I have noticed that they added three late payments from last year. They have had different employees but I spoke to someone each time to arrange a payment with them. One of their employees set a automatic draft for the XXXX when I told them the XXXX because that is when I get a direct deposit from XXXX. XXXX. It was not my fault because of the arrangement that was made by their employee was for the incorrect date. I have previously disputed the late payments but have not been successful. Please help me to get them removed they are incorrect. I am a XXXX veteran and this has really affected my credit.
09/14/2023	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	SC 291XX	Web
XX/XX/XXXX I purchased a XXXX XXXX XXXX was {$11000.00}, after finance it was {$14000.00} and I put down {$1700.00}. I had the vehicle for 27 months on a finance for 36 months. I paid {$450.00} a month for 24 months and were arguing with them for 3 months about the vehicle warranty which was a scam also. I totalled lost the car after XXXX, paid {$12000.00} on the loan. My insurance company paid {$2800.00} which I owed and Nicholas financial hit me with a repossession and said I owe them {$7500.00}. This company has 56 listed complaints in 3yrs and they sell all there debt to XXXX XXXX XXXX. They are in a scheme together robbing people out of there money and needs to be stopped
01/04/2018	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	FL 33173	Web
On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XX/XX/XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44121	Web
Following my previous complaint # XXXX Nicholas Financial XXXX Account # XXXX XXXXXXXX, is currently DEFAMING MY CHARACTER by furnishing information that should be excluded from my consumer report pursuant to 15 U.S.Code 1681a ( d ) ( 2 ) ( i ) a report containing information solely as to transactions or experiences between me the consumer and the person ( Nicholas Financial ) making the report. This information is causing damages to my CHARACTER, GENERAL REPUTATION AND PERSONAL CHARACTERISTICS serving as a factor in establishing my eligibility for credit to be used primarily for personal, family, or household purposes pursuant to 15 U.S.Code 1681a ( d )
04/08/2016	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	FL 34758	Web
In 2006 my identity was stolen when my vehicle was broken into and wallet was stolen with my social security card, drivers license and bank cards. My identity was used without my knowledge to purchase a vehicle through a company call Nicholas Financial Inc / Investment Retrievers. I contacted this company on several occasions to have this issue resolved. I was ask by the police department to have this company release all documentation so that they can do a full investigation but was told that they cant provide anything without a summon and the police are saying they cant move forward without the documentation. This is affecting my credit.
05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29063	Web	Servicemember
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
Consumer defaulted on a auto/installment loan XX/XX/XXXX. No payments were made by the consumer after XX/XX/XXXX. Lender falsely reported payments made in XXXX that we're not made by the consumer. Lender also held the account open past 120 days and did not report the account charged off/closed until XXXX. Consumer believes lender reported inaccurate payment information and held the account open past 120 days to maliciously further hurt consumers credit and to give them more time to collect the debt. Consumer filed a dispute with the credit bureau but no action was taken by the lender or the credit bureau to correct the inaccuracies.
07/19/2018	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 32246	Web	Servicemember
To whom it May Concern, I have disputed Nicholas Financial with XXXX and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute Nicholas financial has came back as verified. Nicholas Financial has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for Nicholas financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by Nicholas Financial company regarding validating the debt.
03/23/2021	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 60651	Web
Ive pulled my credit report & noticed an unauthorized inquiries, I then contacted the original creditor, they werent able to identify me nor did they have any of my information on file or in their system. They recommend me to contact the credit bureaus to get the hard inquiries removed, I did so and Ive also file a police report for identity theft which I will include the police report number. To my assumption I believe someone had gotten my personal information and applied for something. The company Im referring to is : Nicholas finance corporation the inquiry was pulled on the date : XXXX
03/06/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	KY 40220	Web
I have paid for this Auto loan as agreed for the past 3 years. The automobile I purchased had a history of trouble I expressed this with the fianc company and ask that they would re negotiate the contacts due to lack of use of the vehicle. Although I had this vehicle for 3 years I never put over XXXX miles on it because of the condition of the vehicle. The price of the vehicle has doubled from the original purchase price. As a consumer I feel very cheated and the company in question has made no attempt to help me with this problem
02/19/2016	Yes	Debt collection Auto	Improper contact or sharing of info Contacted employer after asked not to	NC 27106	Web
Auto finance company called my phone 5x in a row back to back for a bill overdue less than XXXX weeks. Also called my job the next day and was extremely rude to my coworker after she ( my co-worker ) advised the company representative it was not allowed for them to call about this. Not to mention, the company rep did not disclose the company she represented fully, only gave part of the business name ( the company is Nicholas Financial, when my coworker asked where she was calling from she would only say this is Nicholas ).
03/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23601	Web
Today is XX/XX/2019 ..I been fight with this company call Nicholas financial about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them XXXX it's says charge off XXXX it says repo XXXX it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...
02/18/2021	Yes	Vehicle loan or lease Title loan	Incorrect information on your report Account status incorrect	OH 452XX	Web
I just better the fact that my XXXX car payment with Nicholas Financial was 30 days late due to being XXXX since XX/XX/2020. The update to my dispute was to put in that XXXX was 30 days late as well. It was not late! I paid it on time! Why is it that I filed a dispute and then things got even worse? This is ridiculous I have not worked for almost a year now and Im struggling and this is due to Covid not my fault! My payments are current only one was late and Im disputing it due to Covid. Please fix this!
03/09/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NC 28105	Web
I regularly check my credit report, and more so when I have been denied or granted credit. I noticed several new inquiries on my report. Because they assertedly do not " dispute '' inquiries on consumer behalf, I was directed by the Credit Reporting Agencies to contact each company directly to dispute the inquiries and request deletion. I sent a letter of dispute and demand to delete the inquiry to Nicholas Financial , Inc. using the address for them that appears on my credit report.
05/25/2018	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	GA XXXXX	Web
on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company Nicolas Financial to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.
06/19/2017	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	TX 76006	Web
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31061	Web
Unauthorized use of my private information ; fraud by using my personal information to apply for credit cards and unauthorized use apply for car loans and some form of line of XXXX XXXX XXXX BANK XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, 2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 THE XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
04/20/2022	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	GA 30310	Web
On XX/XX/2022 I received a notice from XXXX that Nicholas Financial did a hard inquiry on my credit file. I have not applied for any credit from this company or any auto company. I called Nicholas Financial on XX/XX/2022 at the number listed on my report. ( XXXX ) XXXX and the person I spoke with said there is nothing they can do so I need to file a dispute. XXXX stated that they are unable to dispute credit inquiries so they advised me to submit my dispute here.
07/10/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30122	Web
From XX/XX/XXXX - XX/XX/XXXX I was charged {$89.00} per month for insurance coverage by Nicholas Financial. After providing documentation to the company showing that I maintained insurance on the vehicle during that period of time, fees for the insurance which had been applied to the principal amount on my loan were removed. I am concerned that the insurance fees totaling more than {$3000.00} affected the amount of interest that was charged on the loan.
10/10/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33060	Web
I sent a letter a while back to Nicholas financial to validate debt and receive no validation. They sent me a letter full of a bunch of propaganda addressing the Fcba. When my letter was specifically about validation company provided no documentation of any contractual agreements nothing bearing my signature indicating I finance this vehicle failure to validate debt and continuing to report is a violation Im asking for removal of account from records
01/31/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MD 21207	Web
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
03/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33173	Web
1. Car got repossessed in private property. Withing XXXX days of repossession, I was supposed to received a certified letter, with a reinstatement and option to buy back the vehicle, this was never received. 2. At least 10 days prior to sale, I am to receive a notice of sale. Never received this notice. Making the company to break the law once again. 3. Never got notice of deficiency post sale. 4. Amount being reported it's unverifiable.
05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60085	Web
In accordance with the fair credit Reporting act XXXX Accounts # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
12/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43232	Web
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY NICHOLAS FINANCIAL INC # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
09/02/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MO 63368	Web
Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure.
01/15/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30033	Web
I purchased a car in XX/XX/XXXX and financed it with Nicholas Financial. The car was totaled in an accident in XX/XX/XXXX and paid off within 7 days. The payment was not late and was not reported late ; instead reported correctly as " OK '' on all three credit reports. 6 years later in XX/XX/XXXX, they are erroneously reporting that I was " 30 days late '' in XX/XX/XXXX, " OK '' in XX/XX/XXXX and " OK '' in XX/XX/XXXX.
07/27/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33311	Web
This complaint is against Nicholas financial. This vehicle is attach to account # XXXX. This account was involved in an accident and paid for by gap insurance. So imagine my surprise to see that this company is reporting this as a voluntary repo to all three bureaus. Im requesting a removal Of this account from my credit report. According to fcra information must. Reported with 100 % but this isnt accurate help me
05/22/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85541	Web	Older American, Servicemember
Ever since we fell behind on auto payments after my husband lost his job Nicholas financial has been calling us every day and it is always someone different we are behind one payment and our car is inoperable. I even explained to Nicholas financial what is going on and an email and we still get calls every day non-stop since XX/XX/2019 to present. XXXX XXXX and XXXX XXXX. Nicholas financial is in XXXX, Florida.
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 366XX	Web
on XX/XX/XXXX, i sent XXXX XXXX XXXX letter regarding the alleged debt of {$8100.00} that i do not owe and i haven't receive anything.I sent another letter on XX/XX/XXXX to them requesting information with the same concerns and they haven't replied.this inaccurate item is damaging my credit and stoping me from getting a house.I have attached copies below of the letters that i has sent.
09/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33314	Web
Nicholas financial auto loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in XX/XX/2016. it was for a XXXX XXXX, the car insurance windhaven paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.
02/16/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48203	Web
This account with XXXX XXXX with the account number XXXX, has been paid, and thus, it should be removed from my credit report. There should be no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX, and even to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
12/23/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 352XX	Web
Nicholas Financial repoed truck I told them I lost my car during XXXX and I just had found another job they got the truck and put it on my credit report XXXX cant get another car I am walking to and fro my kids have been taken out of school I tried talking to them thats what they do repo and sell car and try to get me to pay car off and someone else got the car
03/31/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	PA 33870	Web
I explained to the man that at the moment I was not able to talk because I was working, he states that he does n't care. I said I would call on my break he said he does n't care about a break i was to call by 5 regardless of whether I was on break or not, and hung up on me. Then continues to call my cell phone repeatedly with a blocked number.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21207	Web
To whom it may concern, I am writing to request information about the account NICHOLAS FINANCE COR on my credit report XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
12/17/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	IL 609XX	Web
15 USC 1681 Section 602 States I have the right to privacy.! 5 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
03/08/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TN 37217	Web
I purchase a car for XXXX dollars with XXXX dollars down payment the remaining balance XXXX dollars in XX/XX/2015 the car is a used XXXX.I bought the car from a local used car dealer shop. he sold the account to Nicholas Financial.INC XXXX XXXX FL.XXXX now they say my pay off balance is XXXX dollar and more please help me.
04/16/2018	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 33647	Web
I have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
08/05/2019	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	NC 27330	Web
On XX/XX/272019, I requested Nicholas Financial to send me any documentation via mail that legally allows them to report to my credit report. I have yet to get a reply to this letter. I sent an additional request for the same information on XX/XX/2019, and again, received no response.
10/08/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27104	Web
I receive harassing phone calls from Nicholas Financials XXXX XXXX, NC branch. I have received today alone 10 calls from XXXX between the hours of XXXX and XXXX regarding my car note being 30 days past due. This is absolutely insane. The employee 's call but do not leave a voicemail.
10/03/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL XXXXX	Web
We purchased a car and did not receive paperwork with terms of loan till later. No where did it state about 1000 % interest. For every XXXX Payment only XXXX goes to principal after 3 years of payments the loan is almost of what we borrowed from Nicholas Financial
08/08/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 62002	Web
I believe Nicholas Financial has shared my personal information with XXXX XXXX XXXX After I got purchased the car from Nicholas I was immediately contacted by XXXX. In addition I am being charged for insurance with a percentage rate on the insurance charges.
05/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
Account on my credit report shows closed, delinquent, and derogatory. However, loan balance shows {$0.00} ; Monthly payment shows {$0.00}. Account was opened XX/XX/XXXX and shows closed as of XX/XX/XXXX. No other information is showing for this account.
07/25/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44129	Web
On XX/XX/19 this company called me at my job and I told them to never call my work number again. On XX/XX/19 I received a message from my coworker telling me that some company called him on his work phone asking about him about me while I was at lunch.
02/21/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33173	Web
Creditor is reporting incorrect information and balance on all three credit reports. Balance after repossession is inadequate. I never got a receipt telling me for how much they have sold the car. Only got my balance increased and reported incorrect.
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33647	Web
Nicholas Financial refused to report my account correctly to the credit reporting agency here is the proof I have never been late and although account is paid in full to them they see it as non important to correct account see attached reporting
07/11/2018	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	TX 79705	Web	Servicemember
I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.
07/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30083	Web
I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX, 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
06/21/2016	Yes	Credit reporting	Incorrect information on credit report Account terms	AL 35007	Web
Was late on auto payment but now I am current. Finance company still showing I 'm 2 months behind. Called to question why it was still showing me as in arrears but was provided with an answer. Was told they could n't help me
05/23/2020	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	GA 30083	Web
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
01/12/2019	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	MO 63033	Web	Older American
I sent a letter to Nicholas Financial Inc. on XX/XX/2018. I received a letter from them on XX/XX/2018 stating that the unauthorized credit inquiry would not be removed. This is hampering me from getting credit.
10/12/2015	Yes	Other financial service Debt settlement	Excessive fees	OH 43016	Web
Nicholes Financial Inc is reporting a Charged off account on my consumer report and is still trying to collect on said account. That will not provided me with the original contract nor statements of accounting.
08/25/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60409	Web
I was XXXX and someone got a car loan in my name from XXXX XXXX. I just noticed it not to long ag because I was trying to get a loan. It happened in XXXX of 2015. The amount of the loan was about {$23000.00}
02/28/2018	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	IN 478XX	Web
I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63118	Web
On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.
04/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60620	Web
This dedbt was previosly disputed and should have been removed, since this entity is still pursueing this fraudulent matter i do intend to seek Litigation to resolve this matter.
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
I noticed unauthorized inquiries on my consumer report. I did not give permissible permission to report without my consent and I never consented anything 15USC1681.
07/02/2021	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 Was not notified of investigation status or results	VA 23462	Web
I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.
03/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
11/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	FL 33055	Web
NICHOLAS FINANCE XXXX Was opened on XX/XX/2015 with total balance of {$8600.00} .. this account was opened and I dont know please check
06/12/2017	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	MO 641XX	Web
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
02/21/2018	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	MO 63118	Web
I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017
05/03/2022	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	OH 43224	Web
On XX/XX/2021, never applied for any car loans or attempt too apply for a loan due too stolen identity.
02/23/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 28269	Web
I tried to get it removed for the right balance amount they say I owe XXXX but it's XXXX.
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30012	Web
The items was removed from my credit and now I see they are still on or back on
02/15/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	MD 20735	Web
Highly disrespectful Very unprofessional No notifications On reachable
02/13/2018	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	MO 63121	Web	Servicemember
Unauthorized credit inquiries on my credit report.
06/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30324	Web
XXXX XXXX XXXX XX/XX/2017 {$5600.00}
01/24/2024	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	NV 89101	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48335	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48335	Web

09/12/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	KY 40508	Phone

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33756	Web

07/29/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48219	Web

06/14/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 28227	Web

06/14/2023	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	NC 28227	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web

05/17/2023	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 146XX	Web

03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63033	Web

03/18/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27520	Web

02/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 43232	Web

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32303	Web

01/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23224	Web

01/06/2023	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	PA 15205	Web

12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30260	Web	Servicemember

12/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NC 28210	Web

12/10/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	NC 27546	Web

09/25/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33155	Web

07/27/2022	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	TX 77477	Web

07/15/2022	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	OH 43326	Web

05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29063	Web

05/18/2022	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 33428	Web

04/15/2022	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 Investigation took more than 30 days	MI 48125	Web

03/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29706	Web

03/16/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29680	Web

02/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32810	Web

01/30/2022	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	GA 31093	Web

12/27/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33952	Phone	Servicemember

12/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32810	Web

12/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Web

12/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44125	Web

12/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46214	Web

11/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43232	Web

11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76112	Web

10/29/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 90047	Phone

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27282	Web

09/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48091	Web

09/02/2021	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	MI 48091	Web

07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27282	Web

06/15/2021	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 Was not notified of investigation status or results	MD 21114	Web

05/25/2021	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 Was not notified of investigation status or results	MD 21114	Web

04/17/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33035	Web

03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33319	Web

03/05/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33401	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 43120	Web

02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32506	Web

01/09/2021	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 60436	Web

12/17/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NY 14580	Phone

12/15/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	IL 60188	Web

10/16/2020	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	GA 30101	Phone

10/13/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 30350	Web

10/09/2020	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	OH 45801	Web

09/18/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33055	Phone

09/10/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32266	Web

09/03/2020	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	OH 43219	Web

08/17/2020	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	FL 32506	Web

08/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48229	Web

07/24/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	FL 32226	Web

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web

05/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web

05/04/2020	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	GA 30281	Fax

03/25/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TN 37212	Web

03/18/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30458	Phone

02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33183	Web

02/10/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MD 21218	Web

02/06/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	KY 40517	Phone	Older American

02/04/2020	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		Phone

01/23/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33183	Web

12/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WI 53218	Web

10/01/2019	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 15236	Web

09/05/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44129	Web

08/07/2019	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	OH 43123	Web

07/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23851	Web

06/20/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MO 63116	Phone	Older American

06/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 35071	Web

06/03/2019	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	TN 37214	Web

05/09/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	FL 33837	Web

02/01/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MD 20903	Web

10/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48237	Web

09/12/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30458	Phone

08/20/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

07/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45219	Web

07/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45219	Web

06/07/2018	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	NC 28328	Web

01/14/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33138	Web

12/03/2017	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Didn't receive services that were advertised	KY 40511	Web

11/08/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32563	Web	Servicemember

10/20/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 33647	Referral

09/22/2017	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	GA 30038	Web

09/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32244	Web

08/07/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 78253	Web

05/30/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO 641XX	Web

05/08/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44708	Referral

06/08/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30047	Phone	Older American

04/28/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	MI 48036	Web

04/01/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease		Phone

11/01/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 45211	Web

10/20/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 45205	Web

09/14/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 31210	Web

03/27/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33563	Web

03/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44146	Postal mail

03/14/2015	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	FL 32583	Web

02/24/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28208	Web

02/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 44122	Phone	Older American, Servicemember

01/27/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32065	Web

01/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33771	Web

10/22/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28215	Web

06/12/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32210	Web

05/16/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34748	Phone

04/02/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MI 48224	Web

02/13/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32907	Web

09/27/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MI 48071	Phone

09/20/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29406	Web

08/10/2013	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 64030	Referral

07/12/2013	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30038	Web