Scott Fetzer Financial Group Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/02/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 939XX	Web	Older American, Servicemember
XXXX - CFPB Fraud Complaint - UCFS & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) and their finance partner - United Consumer Financial Services ( abbrev. UCFS ). Contracts On XX/XX/XXXX, I entered into a 36-month installment contract, {$360.00} per month with XXXX to acquire their H2 Molecular Hydrogen Water System to assist my wifes recovery from the complications of Chronic XXXX XXXX. Concomitantly, my wife entered into XXXX Case Study Program agreeing to pay me {$350.00} per month for 36 months. We would not have done the former ( entered into an installment contract to purchase ) without the latter ( acceptance into XXXX Case Study Program that provided funds to offset monthly payments due under the installment contract ). XXXX Acts of Fraud - Two months after delivery, the product ceased working. Over the past 4 months, numerous phone calls, texts and email messages were made to XXXX and they have yet to repair or replace the product under their 3-year warranty. - Three months after entering XXXX Case Study Program, XXXX ceased making payments to me. Over the past 3 months, numerous phone calls, texts and email messages were made to XXXX and they have yet to restore payments to me under their program. XXXX Questionable Reputation - On XX/XX/XXXX, XXXX published an article stating over 300 users have reported complaints about XXXX poor product performance and questionable business practices. XXXX XXXX XXXX - We have first-hand experience witnessing XXXX poor product performance and questionable business practices. - A check on the internet shows published customer complaints date back to as early as XX/XX/XXXX. Customer complaints began and grew over 21 months before I entered into the installment contract to acquire XXXX product. https : XXXX XXXX Complicity in Fraud Elements of Fraud. a. purposeful misrepresentation of an important fact ; b. to a victim who justifiably relies on the misrepresentation ; and c. who suffers actual loss as a result. My counsel advises : ( 1 ) UCFS had implied notice of XXXX product performance and questionable business practices before taking assignment of / buying my installment contract ; ( 2 ) the circumstances indicate we are victims of fraud perpetrated by both parties ; and ( 3 ) civil fraud ( our complaint here ) has a lower threshold for proof vs. criminal fraud. Consider the following : - The installment contract was prepared on UCFSs stock finance paper by XXXX, naming XXXX as seller and XXXX XXXX as buyer. Subsequently, UCFS took assignment this financing, accepting seller ( XXXX ) and buyer ( me, XXXX XXXX ). - We presume UCFS vetted both seller and buyer as responsible parties in their credit review process assuming we would both satisfactorily complete our respective contractual obligations. - As a part of the credit approval process of vendors from whom they buy finance paper, UCFS is expected to know ( implied notice ) of XXXX reputation before taking assignment of / buying an installment contract from XXXX. There is a business truism coined by the XXXX XXXX and followed by business entities interested in maintaining sound reputations make sure the quality goes in before the name goes on. It is apparent either ( 1 ) UCFS suffered a lapse in judgement not adequately checking the quality of XXXX reputation before accepting financings with Trusiis name on UCFS corporate paper or ( 2 ) UCFS didnt care. Whether it is the former or the latter, this situation takes on the hue of complicity in a fraudulent activity. - The abundance of XXXX customer complaints and UCFSs willingness to accept assignment of my Installment Contract suggest UCFS was more interested being the beneficiary of a 17.99 % interest rate installment contract than declining to take assignment of / buying a contract from a Seller with questionable business practices. Based on the foregoing, we consider ourselves the victims of a joint fraud activity perpetrated by XXXX and their finance partner, UCFS. Corrective Action Required. - It is clear : misrepresentations were made, we are victims of fraud and we suffer loss. XXXX misrepresented their contractual obligations under their product warranty and Case Study Program. UCFS suffered a lapse in judgment accepting assignment of our contract with XXXX name as Seller after a preponderance of unfavorable XXXX commentary on the internet beginning nearly 2 years before UCFS accepted assignment of our Installment Contract. - It is incumbent on UCFS to : Rescind our installment contract returning all payments made - It is incumbent on XXXX to : Cooperate with UCFS in this fraud investigation Gain UCFSs approval to ( 1 ) rescind the installment contract rendering it null and void ( 2 ) return all payments we made under the installment contract and ( 3 ) authorize XXXX to arrange pick-up of the product with XXXX paying for all costs. Both parties have been put on notice, my bank has initiated a fraud investigation reclaiming 3 of the 6 payments made to UCFS, my bank auto debit has been deactivated and payments will no longer be made to UCFS. My counsel is investigating a cause of civil fraud against XXXX & UCFS. We look forward to a speedy resolution to this situation with UCFS and XXXX performing as required. If this does not occur, we will take legal action to get the above resolved in our favor. XXXX XXXX XXXX ( Buyer ) & XXXX XXXX XXXX ( Case Study Participant ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
03/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 07055	Web
Consumer Rights Violation The email response below is sent to me by UNITED CONSUMER FINANCIAL SERVICES ( UCFS ) in response to questions I needed answers to address with an ongoing issue with XXXX XXXX XXXX. Prior to this email, I had a phone call conversation with a representative of UCFS. I asked the UCFS representative how can I file a dispute ( debt validation ) and report fraud. The accusations were discovered due to XXXX XXXX not handling my case correctly and UCFS handle the financing aspect of it. The UCFS representative stated that UCFS does not handle that that XXXX XXXX does. All I wanted to know was the why, who, how, was the of the debt. Or the complete accounting ledger of there presentments. The UCFS representative got really abusive over the phone and I asked her to slow her roll with the way she was speaking to me. I asked her to repeat what she just had stated to me and then again she used profane and abusive tactics. I said can you repeat yourself again, and conversation was over, she hung up the phone. After that conversation I was sent an email with my payment history and the contract I had signed with XXXX XXXXXXXX from UCFS for the alleged debt from XXXX XXXX Question is why did they send the information if the UCFS representative stated they dont handle that XXXX XXXX does. First of payment statements of the alleged debt are not debt validations. The email stated : Thank you for contacting United Consumer Financial Services ( UCFS ). In response to your inquiry, we are the finance company that financed the tax services provided by XXXX XXXX XXXX Our attempt to reach you by phone was unsuccessful. We have attached a copy of your retail installment agreement and a detailed payment history for your records. We apologize if our service did not meet your expectations, and we appreciate you taking time to share your concerns. Our goal is to provide an exemplary level of customer service. We take every customer concern seriously. We apologize for any inconvenience. For tax questions or concerns with the services provided, please contact XXXX XXXX XXXX directly at XXXX Please visit our website at www.ucfs.net to review your account information. If you have any questions, please contact us at XXXX. Our hours of operation are : Monday - Friday XXXX - XXXX EST Saturday XXXX - XXXX EST Sunday XXXX - XXXX EST Thank you, Account Services Department. I had asked XXXX XXXX for a debt validation for the alleged debt for the IRS and CONSERVE a 3rd party affiliate with the IRS ( These debt collectors had sent me alleged debt payments ). I wanted to know the origins of the bill that was asked for me to pay. I noticed ( IRS/ CONSERVE ) they were double dipping and probably committing FRAUD. I contracted XXXXXXXX XXXX and 3rd party finance company UCFS ( retail installment contract/ security agreement ) to handle my alleged debt with the IRS XXXX XXXX XXXX refused to send me the debt validation for the IRS and CONSERVE, so then I asked for a debt validation for their services to analyze why was I being charged that erroneous amount by XXXX XXXX I filed a complaint with the Better Business Bureau and nothing got resolved except for fictious emails and phone calls to cover their fraudulent acts by XXXX and UNITED CONSUMER FINANCIAL SERVICES. I have tried to resolve this, but I have gotten nowhere with the documentation requested. I will explore every option within the UNITED STATES CODES, THE UNIFORM COMMERICAL CODES, and THE U.S CONSITITUTION. I never missed a payment with UCFS, I had only one late payment due to my banking account card being lost or hacked. I gave them a call and explained the situation, that it took 7 to 10 days to send me a new card and they still charged me a late fee charge. After I had advise them that I was looking for a validation of the alleged debt with XXXX XXXX they stopped charging my bank card through blue pay ; which I never issued a stopped payment through my bank ( why did they stop taking payments from me? ). Now I have been seeing negative remarks on my credit report. Which has hurt me with finding a place to purchase due to my credit score droppage for negative remarks on my account. I KNOW XXXX XXXX AND UCFS HAVE COMMITTED FRAUD AND HAVE VIOLATED MY CONSUMER RIGHTS ( ALONG WITH THE IRS AND CONSERVE ) ALL I WANTED WAS EVIDVIDENCE ON HOW I WAS SPENDING MY MONEY WITH XXXX XXXX BUT NOW THEY HAVE OPENED OTHER DOORS THAT HAVE TO BE INVESITGATED DUE TO THEIR DECEPTION. I have sent a validation of debt to both companies only one of them has responded with information requested within the United States Codes of consumer rights and laws.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 75206	Web	Servicemember
Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX have all falsely reported the incorrect amount of this loan. I have attached a copy of the loan agreement. In the signed agreement there are two amounts one saying signed amount the other stating amount once all payments have been made and since all payments have not been made that amount can not be reported this is a false statement and is an illegal statement. I have reached out to the original creditor the animal upon purchase sold me a sick animal that lived only 3 months after purchase and died shortly after. After doing research I found that this company has several lawsuits for doing the same thing to several consumers for unfair practices and overselling sick animals. Originally the price as shown was XXXX now my credit report as shown is stating XXXX which is hurting my credit report tremendously. I have reached out to both parties with no resolution my next step is to seek legal counsel as I took the dog in they assured me the dog well and later died shortly after. Upon purchase the dog was sick nose was running she was sick and would not eat very fragile and thin. I took her to be revaluated they assured me she was fine and still the dog was not. Then when I took the dog to the vet she was not at all the breed they had her listed as so that was a lie the deceptive practices here are long.This company is reporting an amount that does not reflect the amount issued in the original loan agreement. This is my second attempt to have this matter resolved with this company and under the FCRA Section 623 ( a ) ( 3 ) If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. none of this has been done and no steps have been taken by either party to resolve these issues. After I told them that I am now totally disabled they continue to call me from different phone numbers at all times of the day and night threatening me the lady even told me it was my fault and why did I buy anything I knew I was going to be XXXX as if I knew I was going to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even then they continue to harass you and call you names. I'm speaking with a lawyer now to file a lawsuit for their practices.. Here are some of the online reviews and complaints against United Consumer Financial Services : Underwrites predatory loans on behalf of fraudulent businesses. Truly disgraceful support of the deceptive and abusive business practice. Neglectful in the duty of care. Lacks integrity to consumer rights. Reported UCFS to the CFPB. Avoid this bank at all costs. Got a predatory loan through them and it has been a fight for a straight year. Either they refuse to accept any form of payment towards your loan ( charging you late fees the entire time for their errors ), or they have an " error '' and triple charge your payment and drain you dry ( which was done 3 months in a row ). We were lied to and they are unwilling to work out any issues you have. They refuse to give us the debt relief federally mandated for military personnel, charging us a huge interest rate, 25 %, and they charge you a humongous fee to get a loan, over {$600.00}! These guys aren't a financial service, they are loan sharks.
11/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91320	Web
On XX/XX/2019, I entered an agreement to participate in a case study with XXXX ( XXXX XXXX XXXX ), a company that makes machines that produce molecular-hydrogen-infused water. The agreement was as follows : in order to finance the machine I would agree to to take out a loan ( for {$12000.00} ) from United Consumer Financial Services ( UCFS ) ; and once I had the machine and was using it regularly, I would provide monthly testimonials, answer monthly questionnaires, and promote XXXX on social media, etc. In return, I would be compensated $ XXXX monthly. I received my monthly compensation check the first month. Since then I have not received any of the agreed upon monthly compensation, despite fulfilling my monthly requirements. I have contacted the company repeatedly about this issue. In response, they have decided to ignore my calls and emails. Eventually I was able to speak with one of the CEOs, XXXX XXXX. He reassured me that he would personally make sure that the checks should have sent to me, that they would be sent to me as soon as possible and that the reason I was not receiving the checks was because the company was having growth pains. It has now been several months, I have continued to try to resolve the issue fairly with them, but I have consistently been ignored -- and I have not received any checks. Moreover, since a few weeks ago, I no longer even have the molecular hydrogen machine! I returned it and expressly stated to XXXX that I will no longer participate in the case study, until a fair resolution can be agreed upon. I have not heard from XXXX. And it is very important to note that I am not the only one in the same situation. There are hundreds of others in the same situation, all of whom testify to the fact that trusii is failing to pay case study participants money it had promised. But please dont take my word for it : XXXX XXXX, a technology and health reporter of XXXX ( XXXX XXXX XXXX ) has written an article for XXXX exposing XXXX wrongdoings, where she notes how wide-spread the issue is : XXXX XXXX XXXX I have also tried reaching out to UCFS, and they have also chosen to offer no support to me nor all the other customers that are victims of trussis merchant fraud. This is in stark contrast to the reaction on the part of the lending companies XXXX XXXX and XXXX. XXXX has stopped doing business with XXXX many months ago. And XXXX is now suing XXXX in Florida. XXXX writes : XXXX claims that XXXX provided faulty systems to consumers and neglected to pay refunds and has ignored the lenders efforts to communicate with the company. XXXX XXXX, XXXX vice chairman, told XXXX that, under the XXXX XXXX, consumers are not economically responsible for merchant fraud and that the loan provider is doing what it can to protect and advocate for the consumer. Why then is UCFS trying to evade the issue altogether? Why is their reaction the total opposite of XXXX XXXX and XXXX reactions? Do they not have a responsibility to their customers, and to choose carefully which companies they choose to work with? Were they really not aware that XXXX XXXX, the CEO of XXXX, faces criminal charges, and is currently free on bail? And that he was arrested in XXXX on five criminal charges ( one for second-degree organized fraud and four for third degree grand theft? XXXX mentions this, and it is attested to by court records : XXXX XXXX XXXX? XXXX )
01/13/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WV 254XX	Web	Servicemember
I purchased a XXXX XXXX from a person who showed up at my home. I regretted the purchase and the next day delivered my cancellation notice, according to the contract. The company, XXXX and XXXX or XXXX XXXX ( running under two names, Im not sure which is legit ) acknowledged receipt and we were told they would process the cancellation. They never did. According to contract after 10 days my deposit was to be returned, no return. After 20 days, according to contract, I could dispose of the product or keep it with no further obligation. After not hearing anything, on day 20 I contacted the finance company, XXXX XXXX XXXX XXXX, and told them what happened. They confirmed I followed the steps. They finally got a hold of the company, after I contacted them. The company didnt process my cancellation. They disrespected my family and treated us horribly. They sent someone to my home at XXXX at XXXX with no phone call or anything and then they guy through a fit on my porch when I wouldnt answer the door to give him the product. The company didnt follow the contract and I was nice enough to alert the finance company. They had all the evidence and confirmed that to me we followed the contract. BUT thats when things changed. I told them I was no longer under obligation to give the vacuum back according to contract. XXXX XXXX XXXX then contacted me, told me they'd damage my credit if I didnt give it back. They accused me of lying after we supplied the evidence that we followed the contract. I read the contract and the lady, XXXX, told me she didnt care, she was going to hurt my credit. I did everything I was supposed to do and the finance company threatened me repeatedly, even though I followed the contract and XXXX XXXX XXXX didnt and even admitted they didnt. XXXX XXXX XXXX and the shady XXXX XXXX XXXX worked together to threaten me and my credit which could affect my employment. XXXX XXXX XXXX XXXX is crooked and people should not do business with that company. I felt defenseless and backed in a corner with no help. I followed the contract stipulations and XXXX XXXX XXXX did not but XXXX didnt not care and threatened me. I told them if I didnt honor the contract they would hold me to it why were they not taking it up with XXXX for not obeying the contract? She said she didnt care, had nothing else to say to me and that was it, she was going to leave it on my credit. I dont have the time or ability to fight this although I can prove I followed the contract and they broke it. I finally scheduled a time for them to come pick the product up, over a month late after being threatened with my credit, although I had no obligation to since I followed the contract. XXXX XXXX XXXX XXXX is a bad company. I believe they work with this shady company to trap people and then threaten them. The company, XXXX XXXX XXXX, says their name is XXXX XXXX when all of their receipts and paperwork say XXXX. According to XXXX, XXXX XXXX XXXX has horrible reviews and shows that it is closed. Very shady business practices.
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30034	Web
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within XXXX days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
11/20/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77642	Web
Around XXXX of this year I was contacted by a XXXX representative after inquiring about a case study they were offering. During the discussion I was told by XXXX XXXX she also suffered the same XXXX I deal with ( XXXX ) and that the machine helped her tremendously. I said I was interested in the machine but could not afford the machince due to cost and she said I could finance it with one of there financing companies and they would cover the cost by sending me a monthly check each month for 36 months until the machine was paid for, I'd only have to pay {$5.00} dollars a month. I was excited and accepted the offer. I was contacted by UCFS ( United consumver financial services ) the following day and told everything was good to go on the loan, but before I accepted I email XXXX that and asked would I be paid for this casestudy and they email me back yes. I still have that email but my direct correspondance with XXXX via text message is gone since i have a new cell phone since then. The first 3/4 months I was paid with no problem and I followed all my case study requirements. Then I stopped recieving payments and I contacted them and said that I was in violoation of my terms. I replied no and had them verify that I did follow my instructions and then a few weeks later the asked for my XXXX information and said they would be paying me but it never happened. This was followed but a email detailing new case study requirements that i switched to and followed to the T but I was still never compensaded for. I reached out to them with many emails and calls, also text messages to XXXX and another lady who had recruited me initally but they did not respond either. I began to research and found out a few weeks ago the company was running this fake case study the whole time, it was a complete fraud. UCFS has not froze my account to do an investigation as of yet as well. I along with many other clients who have been tricked by this company lead by XXXX XXXX and XXXX XXXX are very sick people who are already struggling with medical bills and other expensenses associated with our various illnesses to have to deal with the mtaking advantage of sick people like this is cruel. I continue to send emails and leave voicemails with XXXX but they have not responded and when I specifically ask about the status of my payments they never reply, I even asked if they would buy the machine back and no response has been made as well. There were several exchanges when they would ask for my payment information then would never pay ... I appreciate your help in trying to reach them and get this resolved. I have attached a snippet of some correspondence I have had with them. There is more I have available at request. Sincerely, XXXX XXXX
07/11/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32218	Web
On XX/XX/2019 I and another person signed a sales contract with XXXX XXXX company with the given understanding of our rights to cancel out the contract within 3 business days in which we did sign the cancellation form at the given time the cancellation form was given to us by the XXXX XXXX salesman which did the contract he gave us the cancellation form he also explained we sign it and turn it in if we wish to cancel within XX/XX/2019 after signing the contract we came to a agreement to cancel out so we both sign the cancellation form on XX/XX/2019 forwarded a copy to XXXX as told XXXX refuse to honor the cancellation as agreed to. We called United Consumers Finance and told them about the cancellation but they later reported to our credit bureaus as a open account with them though It was a cancellation. We disputed the accounts as inaccurate information even though we sent in a copy of the Contract we signed with XXXX and the Cancellation for which was given to us by XXXX Representative sign by him and by us to all 3 credit bureaus XXXX, XXXX and XXXX still allow false reports damage our credit standings they said that if United consumers Finance tell them to keep it on our credit they has to do it. XXXX was rather rude they allowed one of us to file another dispute and rudely deprived the other person of their equal right to file another dispute as well We was told by a letter sent to us by United Consumer Finance that they will report to all 4 credit bureaus on us and that this will damage our credit that in the future we will not be able to use our credit to purchase a car or home we feel our rights and credit standings as citizen has been violated illegally very awfully by all 3 Credit Bureaus as well as United Consumer Finance company. We feel discriminated against also United Consumer Finance has reported on our credit report as good standing as if we were paying them which we never gave them a dime we told all 3 credit bureaus that they were reporting lies on our account but they still went along with them and did not take fair action. 3 credit bureaus supported United in their wrong doing and they still is at this point. So as far as we are concern XXXX, XXXX, and XXXX is no good to us as Citizens when it comes to justice and fairness What do they Care? Every dispute investigation The credit bureaus updated {$1700.00}. to be accurate in debt to United Consumer Finance reguardless of our documented proof but because United Consumer Finance tell them to leave it on our credit reports they do it XXXX!!! Yes we are seeking help to protect our rights because Credit Bureaus sure don't Wow they team up against you with the bad guys so consumers beware!!!! I would not wish this on my worst enemy
08/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	OH 452XX	Web	Servicemember
In XX/XX/2019, I purchased a XXXX molecular hydrogen water machine from XXXX XXXX as I was approved to be member of a case study which they failed to honor ( not my main concern ). My concern is when I learned that the machine wasn't performing at advertized specifications of 6ppm of molecular hydrogen verses the 1.5ppm as I tested personally with a titration technique. I contacted them with no reply for weeks. The device, also began later to emit a foul order which is indicative of mold. I contacted the company again and the CEO XXXX XXXX answered, he basically wasn't concerned and told me I'm wrong. I'm a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, I'm well aware of how to maintain a water system and how to conduct a titration method to determine levels of an analyte. The system isn't safe. XXXX promised that quarterly service would be conducted which is completely false as well as I've learned from a social media group that I've recently joined. No filter replacements nor UV lamps are offered through the company website, which no water filtration system can be viable long-term without either replacements. I'm well aware numerous others have filed a complaint against XXXX or UCFS through this office so I'm basically following suit. I'm requesting XXXX accept a return of the XXXX XXXX system and return the loan they brokered through United Consumer Financial Services. I received a letter however from the lender today date XX/XX/XXXX instructing me to not attempt a return of the device to the manufacture ( XXXX ) as this well not relieve me of the financial obligations. I don't understand why I can't return the machine and attempt to have XXXX return the borrowed amount. The reason I'm reaching out requesting assistance is, I do not have the financial means to absorb a XXXX dollar loss of a machine that is probably refurbished ( not new as advertised which explains how it became moldy in less than 90 days of possessing it ). If the device was under {$500.00} then I wouldn't expend the energy but I'm responsible for a loan of XXXX, that XXXX arranged for a poorly made machine. I greatly appreciate the assistance of this office. I'm understandably upset with UCFS the lender, I've never encountered such a situation. If they wish to take possession of this non-functional machine, I'll gladly pursue that option but I don't wish to make payments on a device that isn't functional. On an additional note a suit has been filed against XXXX by another lender XXXX XXXX ( another financial institution XXXX used ) in the state of Georgia. My desire is that UCFS follow that course not harass it's XXXX victims. My sincere thanks in advance XXXX XXXX
06/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 453XX	Web
XXXX 2013 two men came to my door to demo a XXXX XXXX. I ended up getting financed through United Consumer Finance Services ( UCFS ) XXXX XXXX XXXX XXXX, Ohio XXXX. At that time the XXXX men did n't have all the items to the sweeper because they said they sold all of them and all they had was the demo one which was still new but they said they would bring me the rest the nest day. Which the items were the shampooer and hoses/attachments. So the next day I try calling and texting the seller with no response and kept trying everyday for about a week then he texted back and told me sorry that he was fired and I would have to call XXXX to get the items which I did but they ended up telling I had to pay for the all the items which really was upsetting. I ended telling them I did n't want it then since I should have got those items in the first place. After that I contacted UCFS to tell them I returned the sweeper but got a very rude lady who did n't care nor would listen to the problem. I just let it and did n't bother with it until XXXX of this year I wanted to check my credit because I wanted to buy a house and this whole time UCFS has been reporting the info on all reports. I tried to Dispute it through the credit places but that did n't work so I made a complaint through BBB which went on a good month back and forth because this company is rude and wont listen and to top it off LIED! I got them the name and number to the guy that sold me the sweeper and text messages of me not getting the items. UCFS went on lying saying they called me several times and I told them i was completely satisfied which was not the case i tried telling the guy from UCFS that i never said and went on to tell him about the very rude lady that works for him and he just did not listen or work with me. Its not fair to pay for something that was returned first off nor is it fair to suffer credit wise because of XXXX companies! I just want this off my credit as it should have been when the item was returned. Plus they purposely flagged my credit for lates so my score dropped more because I disputed it and made a complaint. Is that even allowed? I just want to add that XXXX XXXX is the XXXX guy in the text message documents.
03/09/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CO 80016	Web
The sales representative stated multiple times that I would not pay any interest if the loan was paid off within one year. I asked for confirmation of what the one year date would be, and he pointed to the first payment date. XXXX payments of {$39.00} have been made as of XX/XX/2017. I became worried after checking my credit report and seeing the full amount with interest was reporting. After logging into my UCFS account and viewing the payoff amount, I realized that the payoff did in fact include a very high amount of interest. The payoff was {$920.00} and good through XX/XX/2017. The original loan amount was {$1000.00}. XXXX payments of XXXX without interest should have shown a payoff of {$800.00}. I emailed UCFS with these same details, and asked for a resolution of an agreed upon payoff amount of {$800.00} due to the multiple verbal promises I received that turned out to be a lie. A lady by the name of XXXX called me in response, and simply stated that unless I could supply written proof, that they would not do anything about it. I would agree that it would appear that I am bound by the agreement I signed, if it were not for the deceptive practices this company and their affiliates practice. It does not take long to piece together information regarding this company and its affiliates showing a pattern of deceptive practices that affect a large amount of consumers. UCFS is under the impression that it is legal to say whatever you want to get the consumer to sign, and that you are " home free and clear '' once that is done. Furthermore, I attempted to pay the full {$920.00} by debit card and by bank draft via their website, and I received an error of incorrect CVV code and incorrect payment amount respectively. The CVV code was correct, and the payment amount was taken directly from their payoff information.
06/14/2020	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 Was not notified of investigation status or results	OH 44111	Web
United Consumer Financial is reporting inconsistent and erroneous information across the credit reporting Bureaus. I have disputed this account and provided them with documentation to notify them that my personal information has been mixed with someone else 's according to the credit bureaus. I notified this company that the debt they're reporting to my credit reports is unknown to me. And I sent several written requests for debt validation and verification. The rep I spoke with from their company admitted my information didn't match the collection account information however this company will still reporting this unverified and unknown account. This company has a different name then mine and a different address but they claim its linked to my social security number. AFTER I DISPUTED THE ACCOUNT ... UNITED CONSUMER FINANCIAL RE-AGED THE ACCOUNT BY CHANGING THE DATE OF LAST ACTIVE ... which determines the debt statue of limitations for credit reporting and this is a violation as well. Please attached screenshots. To date this company has NOT provided me a copy of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Immediately! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
04/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 55122	Web
Back in XX/XX/XXXX, I reached out XXXX XXXX XXXX to help settle on owed back taxes. XXXX XXXX, Resolution Officer, informed by in a phone conversation that their business could settle between $ XXXX, and have been successful with their resolutions in the past. When I signed on they asked for {$250.00} for the filing fees and told me that I would have to sign more documents, power of attorney so that they could work on my case # XXXX. And that they could get started as soon as I pay them their fees in full. I had to take out a personal loan with United Consumer in the sum of {$5300.00}, and have made 5 payments of {$740.00}, and still owe {$4600.00} until it is paid off, but they did get their money from the loan already. Then they assigned me a case manager, XXXX XXXX. I heard from her once. I had to keep contacting them via emails and phone calls, because they were inconsistent about my case and what I have to do next. I finally started to reach out to them in XXXX and in XXXX. They told me to send in my financial and expenses documents, which I provided back in XXXX. I finally got a letter from the Internal Revenue Service on XX/XX/XXXX, stating that I was set for an installment agreement payment, IN FULL until it was paid off, year XXXX. I will retire before them and will not be able to pay off this debt. XXXX XXXX did not deliver, I could have set up the installment agreement myself. I want my money back, and to be rid of the deb that I owe United Consumer. I felt that these were fraudulent practices.
10/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92154	Web
On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX 401 ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to XXXX XXXX XXXX ... I contacted XXXX XXXX XXXX and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...
01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 275XX	Web
Dear XXXX XXXX XXXX, XXXX, XXXX, and XXXX I am writing to dispute an account that is appearing on my consumer report. The account, with account number XXXX, is over 7 years old and should no longer be appearing on my report. I request that you take immediate action to remove or delete this account from my consumer report. As a consumer, I have the right to have accurate and up-to-date information on my credit report. The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies remove any information that is inaccurate or outdated. The account in question is over 7 years old and, therefore, should no longer be appearing on my report. Furthermore, I would like to grant your company the opportunity to amicably resolve this matter. I request that you take the following steps to rectify this issue : Confirm that the account in question has been removed or deleted from my consumer report. Provide me with written confirmation of the removal or deletion of the account from my consumer report. Take any necessary steps to ensure that this issue does not happen again in the future. I look forward to your prompt response and resolution of this matter. Please contact me at your earliest convenience to confirm that the account has been removed or deleted from my consumer report. Sincerely, XXXX XXXX
09/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76002	Web
I am a natural consumer. I am protected by the consumer laws. Over the past 6 years, I have continuously disputed this account with the credit bureaus and the company itself. This account does not belong to me and over the years it has been reporting differently across the credit bureaus.I want it removed immediately from all consumer reporting agencies. It went from closed, paid charge-off in 2016 to having a balance and now it says paid by original creditor. The original balance has changed numerous times over the years.The date opened has changed over the years as well. The biggest issue is that they are maliciously updating the account every month as a charge-off which directly effects my credit score. I was denied a loan because they said I have recent charge-offs on my account. A charge-off can only be charged off 1 time. If the account was allegedly belonging to me, why would the original creditor pay it off? Something isn't adding up. It was never my account to start with. I was denied a loan because they said I have recent charge-offs on my account. I have filed a FTC identity theft report and would appreciate some assistance with this account. It has been a long 6.5 years of nothing but frustration and denials. PLEAE HELP ME GET THIS ACCOUNT REMOVED FROM ALL REPORTING AGENCIES. ENOUGH IS ENOUGH!!!
10/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 98271	Web	Older American
My complaint against UCFS is they are refusing to freeze loans or offer loan forgiveness to people who are invloved in the case study for the XXXX XXXX dispensers. This lender does not consider consumer rights. UCFS did not do their due diligence in determining that these dispensers are extremely unstable, or tested properly and do not last the life of the loan. Filters are required which were never stated to be required causing health hazards ( mold poisoning ). They are not available nor mentioned in the manual. The product is falsely advertised to produce 5-9ppm hydrogen for the Elite X machine, when in fact in produces only 2pm h2. I question whether UCFS knew that one of the of the owners of XXXX has fraud charges pending against him in another business. These machines are nothing more than malfunctioning water coolers and they were never tested properly in the US. There is no recourse from XXXX. An article from XXXX describing XXXX 's ponzi scam case study of these H2 machines explain that participants are not being compensated for the loan payments due every month to UCFS. Knowing that XXXX is under investigation and ripping people off UCFS is not answering our complaints. Other loan institutions are forgiving these loans but UCFS wont answer to this matter. Its been going on since XX/XX/XXXX.
10/16/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90034	Web
My account has been in a dispute queue since XX/XX/2019. The company continues to have me make payments of a falsely advertised product that is a Ponzi scheme. The product is from XXXX ; who makes a molecular hydrogen machine that does not produce as advertised. It also requires filters to be changed every 9-12 months that was never mentioned when purchasing. This is a health hazard. I demand to not be charged for this product that I am not even using anymore due to health concern that may arise. UCFS clearly did not do their due diligence when taking over the loan. They are just as responsible for this machine as XXXX. I especially should not be making payments while in a dispute process. Multiple loan companies have forgiven loans for this product because of the reasons mentioned above. There has even been an XXXX article about the bogus product this machine is and the loan companies who have stood beside it. Some are now distancing themselves and lawsuits are occurring. Shame on UCFS for continuing to take money from the sick and poor. I have made several attempts to resolve this matter with UCFS to no avail. I have made payments for the amount of {$360.00} since XX/XX/XXXX. I want that money back and to have my loan forgiven immediately.
12/18/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 17404	Web	Servicemember
On XX/XX/2020 purchased a product door to door sell of the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX putting {$500.00} upfront and {$4300.00} financed through United Consumer Financial Services. On XX/XX/2020 I informed both the bank and company that I was cancelling the item. I sent an email with cancellation paperwork to the bank and a certified letter of cancellation through XXXX to XXXX XXXX XXXX XXXX on and before XX/XX/2020. I also spoke to XXXX the seller of product on XX/XX/2020 informing of cancellation and pickup of product. On XX/XX/2020 I received a letter stating my account was closed and cancelled. On XX/XX/2020 I received a call from XXXX at United Consumer Financial Services stating that my account was reopened without my consent or knowledge and I now have a past due balance of {$4300.00}. When talking to XXXX at the bank she informed my XXXX XXXX XXXX XXXX are not honoring my cancellation and therefore requested my account be reopened against my knowledge or consent. I've made more than 20 calls to XXXX XXXX XXXX XXXX and spoke to XXXX one time no one answers or returns calls. They are refusing to pick up the product as they have stated it is their responsibility to pick up their merchandise.
01/22/2023	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 30228	Web
I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : United Consumer Finance account XXXX XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumerr AXXXX XXXX and the person XXXX XXXX XXXX Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS
11/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	VA 22312	Web
In XX/XX/2020, XXXX, vacuum cleaning company visited our house for product demonstration. The product was great when it was presented to us. The product was quoted for around {$2200.00}. I agreed to get XXXX and was offered for 24 months installment with their financial services and was advised of the payment. The XXXX agent told me that I must talk to them first, so i did. Beside the conversation over the phone, i didnt get document to at least read, they did not disclose all the information that the loan amount was for $ XXXX i am definitely, sure and i am positive that if this is the loan amount for vacuum then i will not get it, truly unacceptable. We are just an ordinary family, making salary just right and enough to pay bills and food, the main reason why we agreed to buy is to help my kids with their XXXX, but i was so surprised when i called today to check the payment history as I was expecting that i only have XXXX month left and im paid off. XXXX and United Consumer Financial are not disclosing all the information we need as a consumer and I badly need your assistance. They are not true to their clients and i dont want other people to suffer like what i am having right now. Sincerely.
09/14/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 60030	Web
I was coerced into buying a XXXX vacuum by the owner of the XXXX WI company XXXX XXXX, the salesman ( my boyfriend ) and his manager on XXXX/XXXX/15. They told me they wanted to make quota for the week and that they could resell the equipment and pay it off before monthly payments started up. This had been done before and I should n't worry about it. The manager filled out the sales contract and had me sign it. United Consumer Financial Services said they called my place of employment to verify income and verified the purchase with me but they never did. I 'm a XXXX, living at home and XXXX, I 'm not employed. And my mother is joint owner/signer on all my financial accounts. We have tried to resolve this issue with the company for 10 days with the XXXX but the company refuses. UCFS when contacted, said they verified employment and income but there is no employment or income so who verified it? We asked for a copy of the loan application to see who filled it out and what was written on it, from both XXXX XXXX XXXX and UCFS but neither one would supply it. We just want to return the equipment and cancel the loan. These are preditory and fraudulent practices and should n't be allowed to continue.
07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75206	Web	Servicemember
Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, you have a right to have it removed. To do so, you can start a dispute with each one of the credit bureaus, XXXX, XXXX, and XXXX. After briefly going over my consumer report I found that the listed is reporting inaccurate information to the credit bureaus which is severely impacting my credit score. The furnisher also called multiple times and harassed me even after letting the services know I am XXXX and need assistance and a payment plan I was told no and there was nothing they could do. From the store, the clerk told me XXXX amount, and then after reviewing the paperwork the company is charging almost XXXX x times the amount I was told. Under these false pretenses, I am upset with the way this was handled. Under the law, the creditor can not or shouldn't do the following ..Calls before XXXX XXXX XXXX XXXX XXXX XXXX. unless the collector knows such times are more convenient for the debtor " Unfair or unconscionable means to collect or attempt to collect a debt '' .Any conduct to harass, oppress, or abuse.
10/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 28214	Web
I believe I have been defrauded by a predatory conspiracy between United Consumer Financial Services Company and XXXX XXXX XXXX I sought help from XXXX XXXX XXXX to assist with a tax bill dispute with the IRS for which I believe I have a legitimate Innocent Spouse defense. XXXX XXXX XXXX partnered with United Consumer Financial Services Company to provide me a high interest loan to pay its legal fees while providing little to no service. United Consumer Financial Services Company is a principal partner in the conspiracy, as without United Consumer Financial Services Company participation, the scam would not be able to occur. United Consumer Financial Services Company, in essence, provides the financial backing to the scam. In my opinion, the arrangement between United Consumer Financial Services Company and XXXX XXXX XXXX is a conspiracy to defraud. To defraud not only me, but the U.S. government as well : Monies I could have been paying toward my outstanding tax bill, have been diverted to United Consumer Financial Services Company and XXXX XXXX XXXX This conspiracy is unfair, deceptive and abusive.
03/03/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 439XX	Web
Purchased a XXXX vacuum system billed through XXXX XXXX XXXX XXXX. I had missed a payment over a year ago and the company started attaching late fees to my account every month because I did not date my payment for the due date ( I had paid multiple payments BEFORE the required due date and in many case paid a few dollars more. ) I have all bank statements that show a payment every month. Every time I attempted to speak with customer service I was told there is nothing they could do to stop the late fee from becoming so high and continue to add fees even though I pay my monthly due amount. So essentially, I will NEVER pay this off. I offered to return the item and repeatedly asked to terminate the agreement and all requests made to UCFS were not granted due to original product contract. I continue to pay the monthly amount due per contract agreement and I'm STILL receiving calls regularly that state I need to get my account current to avoid further action but every time I ask to speak to a manager or supervisor, I am told there is nothing they can do.
08/26/2023	Yes	Debt or credit management Credit repair services	Confusing or misleading advertising or marketing	NV 89166	Web	Older American, Servicemember
XX/XX/ I applied to XXXX XXXX timeshare transfer company to help me grid of my timeshare. They had a process to fill out their application. the first was to get my personal information and signed up for financing with their finance company. they were to send me more forms and I had ten days to return the forms. They sent the forms, and I couldn't understand what they sent. the forms weren't in English. I called and they couldn't get back to me within 24 to 48 hours and I am on 10 days limited. I called again now I get insurance listings and another time I called I get that this call is an international number. red flags. I finally did get someone on the phone and he said he would fix the problem that didn't happened. Ten days pass now the contract is supposed to be cancelled. I called the finance company United finance company and asked the to cancel the account. They said they couldn't. XXXX XXXX had to cancel the account. that didn't happen. Now they are harassing me for money on an incomplete application that is supposed to be cancelled
09/21/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 230XX	Web
i purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX and i also contacted united consumer financial services company i talk to XXXX at XXXX and he told he needed a copy of my ss XXXX letter and a doctors note why i cant use the XXXX so i faxed it to him and he faxed it to XXXX the girl called me and she said she would be here this past thursday and she never showed up to pick up the vacuum they only gave us 3 days to cancel the cancel date was XX/XX/19 and my first payment would be in XXXX i only used it twice i cant pick it up and move it room to room and i told XXXX when i called them and they were nasty about it XXXX called today on XX/XX/19 and asked me what was going on and i told them so i have to call XXXX on monday to see what they are going to do when i called XXXX before the girl told me to sell it to someone and try to pay it off thats not what a business does so i need them to come get it and take it off my credit report and come pick it up they are being very nasty about it
12/16/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32703	Web	Older American
I purchased a vacuum cleaner in XXXX that was financed by United Consumer Financial Services. I made more than 24 monthly payments via automatic withdrawal. I subsequently lost my job and was unable to continue my payments. On XX/XX/XXXX, I received a letter from the creditor that stated " If you can make the next four payments on time, we will bring your account current. This will stop the accrual of late charges on your account, although it may increase the total amount of interest paid on the loan as well as the length of your loan. '' Because I am again employed, I immediately enrolled in automatic payment withdrawals, effective XX/XX/XXXX. I have made 5 successful timely payments, and the creditor has failed to bring my account current as promised! They have intentionally inflicted additional financial harm to my credit profile. This derogatory alert on my credit profile is preventing me from realizing financial goals that I have set. I pray for relief from this unscrupulous creditor.
01/11/2023	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 Problem with personal statement of dispute	CA 92392	Web
Hi My name is XXXX XXXX I am here to make a complain on XXXX XXXX XXXX XXXX this is a company that helps you with IRS matters but never did anything for me at the time i was going through so much i was getting audit at the time and me sicking help found this company but never helped me.This company was a scam and me being in need they took a banish, I was the one that not knowing how to go about this situation called the IRS myself made a payment arrangement and settled it with them. I did question them if anybody had stepped in. in my behalf and they said no. At that point me not knowing continue on paying my dues with them because I did not want this to affect me on my credit. Called the XXXX XXXX number XXXX they gave me and made a complaint but nothing was ever fix and now it continues to affect my credit still after time. I need any help I could get to fix this matter. I would greatly appreciate. Thank you, Sincerely XXXX XXXX. ( XXXX ) XXXX
10/02/2019	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 780XX	Web
I took out this loan based on the guarantee that I received payment from XXXX to reimburse me for my participation in their case study. I would never have agreed to purchase the XXXX dispenser for just under {$13.00} without that guarantee. In exchange for my participation in the study, along with the reimbursement, XXXX was to maintain the dispenser. Yet they never told me that the dispenser required filter changes, I have completed all my requirements and XXXX has never paid me any money. They continue to change the requirements monthly, and frankly make things so confusing. They even question if I finish them-when indeed I have. There are 1000s of participants who have gotten scammed in this fraudulent scam and XXXX just did a story as well. XXXX only talked about a few of the Finance companies and failed to list all of them. My loan was with United Consumer Financial Services.
05/13/2023	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 Problem with personal statement of dispute	FL 33705	Web
I purchased a puppy from XXXX XXXX XXXX in XXXX, FL and the puppy sustained a XXXX 7 days after taking him home from dire conditions at this puppy mill. The puppy was still there and being " marked down '' like material merchandise like linens or housewares at a store. Horrible to treat animals of all kinds and pets of all kinds this way. I was given a 14 day warranty and took my pup to the vet within the first few days of getting my pup as required by the warranty on the pup from XXXX XXXX XXXX however they have denied my claim and are still going to charge me the {$2800.00} that I financed as well as not reimburse me for the over {$1000.00} in emergency room vet bills due to the pup XXXX XXXXXXXX having a XXXX and said that It was not considered congenital or hereditary even though they had pumped him full of unnecessary XXXX I have documents to show his medical history.
07/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91350	Web	Servicemember
The co XXXX XXXX XXXX is claiming that I purchased a vaccum cleaner for XXXX! in XX/XX/XXXX. At an address I did not live at. Prior to XX/XX/XXXX they were reporting I owed XXXX $ now after I disputed and proved them wrong they are reporting it as XXXX Paid by dealer. This is not my account, I proved it is not even my address and who in their right mind would pay XXXX for a vaccum cleaner. It is absurd that credit bureaus allow any information to be placed on a persons file with incorrect address and SS #. This co reported my number no where close to what it is. Please help, this co calls my daughter at work cell phones sends mail to their houses therefor reporting to bureaus that I have all these different addresses and I don't. They change the dollar amounts the dates the entity etc. This has to be illegal XXXX XXXX XXXX XXXX address XXXX XXXX XXXX Ohio XXXX
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76179	Web
I have continuously disputed this account with the credit bureaus and the company itself. This account is being reported inaccurately and I want it removed immediately from all credit reporting agencies. It went from closed, paid charge-off in XXXX to having a balance now. The original balance also changed. It went from {$2000.00} in XXXX to {$2200.00} in XXXX.The date opened changed as well. Another issue is that they are updating it ever month as a charge-off. A charge-off can only be charged off 1 time. How are they reporting 3 charge-off on my credit report in XXXX and 2 charge-offs in XXXX? I was denied a loan because they said I have recent charge-offs on my account. They reported a new charge-off for XXXX, XXXX and XXXX of this year. I have attached the copies of my credit bureau report that show the differences.
05/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 081XX	Web
Originally was a door to door salesman offering a home care system for {$1700.00}. Once I received my first invoice the price was almost at {$3000.00}. They said I had a 30 day time period to return which I called and spoke to a manager about refunding the product and canceling the agreement since it was within 7 days of purchase but no one would pick up the product or answer my phone calls for returning. I have sent countless of letters to this company about this situation and they choose to ignore it. I was unrightfully charged way more than I agreed to and they lied an ran my credit without permission. I would have never agreed if they were going to run my credit when I specifically asked several times and they prompted that my credit was not apart of the process but it is showing up on my credit profile.
08/06/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60048	Web	Servicemember
I contacted United Consumer Finance Service when I noticed that they were reporting that we owed a balance of XXXX on an account that was never late and paid off in 2017. I was able to speak with a representative ( XXXX ext XXXX ) and she stated that they never ran the final payment, however no one notified us. I paid the XXXX and was advised that they would submit the documentation to remove from the credit report. That was over a month ago and every time I call to follow-up she is either not at work or not available. I spoke with a yound man 2 weeks ago that advised me that XXXX did submit to the credit bureaus to have the account removed but it is still reflecting on my credit report as a delinquient account. I even opened a dispute with the credit bureaus and the account is still there.
09/07/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NH 03038	Web
I am trying to get detailed information regarding missing payments to this account, XXXX x XXXX UNITED CONSUMER FINANCIAL SERVICES Account # XXXX. I have sent Emails on XX/XX/XXXX and XX/XX/XXXX, and have spoken to UCFS on the phone on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX, in every instance I have been refused the information I requested. I simply want information regarding the payments I had made ( verified, processed, posted, and reflected in my account balance ) that have disappeared. They claim they do not have that information and can not supply me with any explanation other than that they were reversed. If that was in fact the case, they are obligated to provide me with detailed written statements FROM the Federal Reserve of the reversals.
03/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO 63367	Web
On XX/XX/XXXX 2 men from XXXX XXXX XXXX showed up at my door and sold me a XXXX vacuum. They used predatory leaning practices I feel and finance me for 36 months at XXXX rate at XXXX a month with XXXX down thru a bank called XXXX XXXX XXXX XXXX company. They DID not fill out the total sale price box on the bank contract and from what Ive read is against federal truth a lending laws. On XX/XX/XXXX i sent a email showing the loan company the contract was not filled out properly. I have a response of them acknowledging that is was filled out wrong but that they still wont let me out of the loan. And also the men that showed up to sell me from XXXX XXXX XXXX gave me numbers on the bill of sale that never worked. I have copies of everything
05/19/2017	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	NC 28540	Web	Servicemember
United Consumer Financial has changed the reporting status of an account included in my Chapter XXXX from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on XXXX was just recently changed back to charge off, and I would like it fixed. The change caused my score to drop about XXXX points. I 've attached a section of the report as well as XXXX bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my Chapter XXXX discharge.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 980XX	Web
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXX XXXX XXXX
01/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NH 03820	Web
On XX/XX/2018 I purchased a XXXX vacuum and financed through XXXX XXXX XXXX XXXX XXXX -parent company Scott Fetzer Financial Group Our agreement was that my first payment would be XX/XX/2018 with a 10 calendar days late payment Im made my first payment on XX/XX/2018 using my 10 day grace period On XX/XX/2018 I hard a hard inquire on my credit report because we are correctly financing with a bank and it came back that I had a LATE PAYMENT on XX/XX/2018 the day I signed Parker work for the vacuum, when I called the company ( XXXX ) they said that this was false and that they they did not run my credit-the report said otherwise-and that my account was in good standing with them
02/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07621	Web
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60048	Web	Servicemember
The United Consumer account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and United Consumer Financial services and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to XXXX to request the contract because they will not provide to me. XXXX went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.
02/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC XXXXX	Web
Recently filed a claim with CFPB in reguards to this same account. This account Was is fradulent and does not belong to me. I sent the theft packet and required documents back after receiving it and it havent heard anything back until i noticed this account was reporting back on my credit report at the beginning at XX/XX/XXXX. This account was previously removed from my credit report. I am in the process of purchasing a home and this is hindering me from being a homeowner. As stated before this account is fradulent and i shouldnt be punished for something that does not belong to me. Attached is a copy of my police report.
08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28216	Web
I am appalled, frustrated and shocked that a company I have never done business with nor had a desire for any type of loan would have placed this information on my credit. I have repeatedly told them in year XXXX to XXXX ; I was in a XXXX, came out of a XXXX XXXXXXXX and XXXX ( I have medical records to prove it ) and never would have requested loans from anyone. It is obvious someone has set up a fraud account or this company has in error attached this information to my social security number. There is a note on all 3 credit bureaus that states credit freeze due to someone has been using my name and SSI in fraud!
11/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	IL 60035	Web
I started a case study with a company called XXXX in 2018 in that arrangement I an about 400 other people were to pay United consumer financial services XXXX a month and in turn XXXX would mail us a check for the same amount each month XXXX has not paid anyone since XXXX as they are a ponzi scheme I have spoken to ucfs and asked there representative to fogive our loans as a result of this but they have not taken any action since I let thme know about this in XXXX my account number with them is XXXX and the person working on the XXXX case study particiipants is XXXX XXXX extension XXXX please help
06/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 300XX	Web
I was alerted by XXXX, XXXX, and XXXX that the collection agency by the name of XXXX XXXX XXXX XXXX added a file to my credit report. So I initially disputed it in XX/XX/2017as fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. I recently discovered that this company is not bonded in the state of Georgia to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not registered with the Georgia Secretary of State. This company is not even in Georgia 's database.
11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30058	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NE 685XX	Web
I talk to them and told them I dont owe them any money they were rude and argued with me called after hours now theyre trying to get into my credit to mess that up even though my x husband messed that up with domestic abuse. I had to get a Protection order on my x husband. Another person from the same company is trying to Get financial records proof of income proof of power of attorney which Im not, They would not listen to me so I never got it resolved they have my phone number my email my address I dont have any idea how they got that.
09/13/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE XXXXX	Web
I originally filed a complaint with CFPB ( # XXXX about XXXX XXXX XXXX XXXX XXXX ( hereinafter referred as " XXXX '' ). As a result, I received a letter from XXXX indicating the debt was mine and attaching an application with my name ( attached ). On XX/XX/XXXX, I replied via email to Mr. XXXX indicating that this is mistaken identity and I always use my full name " XXXX XXXX XXXX, XXXX '' all all credit applications and inquiries. I have not received a response from Mr. XXXX regarding same. Therefore, this debt is not mine to pay.
06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85742	Web
I purchased a dog on XX/XX/XXXX fo a total of XXXX I put XXXX down in cash by a debit card, shown in this receipt. The amount showing on my credit report is over XXXX. That is not the correct amount. I never agreed to that ad you can see in the document provided by XXXX XXXX, the amount to be financed is XXXX, that is what I sighed. This is wrong and I've displutwd it twice with documents to prove my case and the consumer is still saying it's inccoret. I will be filing a lawsuit against this company for incorrect reporting.
02/11/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WA 984XX	Web	Servicemember
While I was XXXX XXXX my spouse open an installment loan contract for a vacuum cleaner in hers and my name. Upon returning home from XXXX I was informed of this contract. This contract is a fraudulent contract because my spouse did not have power-of-attorney ( POA ) to open installment contracts in my name. After reviewing the contracting it shows that my spouse signed my name as co-buyer. The salesperson should have deleted the contract because he never witness me signing the contract and never obtain a POA.
06/07/2021	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	CA 92881	Web
I reviewed a copy of my credit report and UNITED CONSUMER FINL S ran an unauthorized credit inquiry on me on XX/XX/2021. I never authorized such action and this constitutes a violation of my rights and a violation of my rights to privacy. Please investigate and remove such occurrence. Previously, I called and sent a letter to UNITED CONSUMER FINL S and asked the company to take action to get this unauthorized inquiry removed from your records, yet this unauthorized inquiry is still showing on my report.
09/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94578	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
02/15/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 92020	Web	Servicemember
I have been disputing UNITED CONSUMER FINANCIAL SERVICES on my credit report and have not been getting through with the original creditor. I called the phone number listed for the company which is ( XXXX ) XXXX on XXXX XX/XX/2022. I called XXXX before a lady that goes by XXXX XXXX answered the phone and said verbatim Call this number one more time and see what happens! And than proceeded to hang up on me very rudely. I attempted to call back but she sent me straight to voicemail.
08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	MA 027XX	Web
I only received a letter denying every account on my credit report. That's not true. I have several open accounts in good standing that I definitely don't want to deny are mine. Every account, even derogatory accounts that are mine, they're saying aren't. And they have not done anything. I paid off my cards and raised my score on my own. They did nothing. I was lied to. XX/XX/2020 I paid {$130.00} to start and {$89.00} a month. I stopped for XXXX.
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95023	Web
UNITED CONSUMER FINL S OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH TIMESHARE LEGAL ATTORNEYS. IMMEDIATELY REALIZED I DID NOT NEED THE TIMESHARE LEGAL ATTORNEYS AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED UNITED CONSUMER FINL S AND PAID OFF THE CONTRACT. UNITED CONSUMER FINL S REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY TIMESHARE LEGAL ATTORNEYS WHO LATER PAID THEM.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 755XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23237	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 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.
05/27/2018	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 Problem with personal statement of dispute	NC 28540	Web	Servicemember
From XXXX to XXXX payments were not paid to company. Product had broke and I called company and was instructed to not pay until returned phone call. Was never told it would begin being put on my credit as missed payments and not ever called back. Has correct income but was instructed incorrectly by a member. Also, they have been reporting differently to different credit bureaus.
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 Their investigation did not fix an error on your report	MD 20774	Web
United Consumer Finance Services ( UCFS ) account was settled in full after the charge off as of XX/XX/XXXX ; however this company is still reporting to the credit bureau the entire calendar year of XXXX ( late/charge-off ) and in the calendar year XXXX from XXXX to XXXX ( late/charge ) is here is in accurate and this account should be deleted from my credit report immediately.
07/29/2016	No	Consumer Loan Installment loan	Managing the loan or lease	VA 23237	Web
Receiving automated phone messages from a company identifying itself as a collection agency for United Consumer Financial Services Company. A loan with that company was paid off in XXXX 2016. I want this company to cease calling my phone. The number the messages come from is XXXX. Attached, please find correspondence confirming the debt is paid in full. Thank you.
09/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	KS 667XX	Web	Older American
United Consumer Financial Service is trying to collect on a debt for so called house alarms that only cost XXXX and they charged XXXX for them. This was flat fraud on people who do n't know better. XXXX XXXX is a collection agency for them also and has sent multiple letters.The company that comitted the fraud is out of Missouri. But not sure of the address.
07/29/2020	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	AZ XXXXX	Web
I have a loan with UNITED CONSUMER FINL S, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, UNITED CONSUMER FINL S, XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
01/17/2022	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 Was not notified of investigation status or results	NC 27893	Web
I have been waiting for over 90 days. I am filing this complaint because UNITED CONSUMER FIN SVC for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
08/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44512	Web	Servicemember
this company has financed a vacuum for me but financed the wrong amount. the XXXX I purchased was {$1600.00}. The amount they have on my account is over {$2000.00}. I don't want the vacuum and I want them to stop trying to make me pay for something at the wrong amount
06/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89148	Web
United consumer financial purchased a debt from someone else and is coming after me. I never recieved written notification of the debt or that I could dispute it. Also did not get info about original creditor when I mailed them a letter on XX/XX/2022
10/21/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02302	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
10/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 297XX	Web
Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.
03/09/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web	Older American, Servicemember
Receive letter on XX/XX/2018 telling me that I've been reported to the credit bureaus about a late payment on an account I can not recognize. This letter came from, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Kentucky XXXX XXXX.
05/14/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 73069	Web	Servicemember
Hi i have contacted the agency that placed me in collections for {$35.00} has been contacted and i have already sent a dispute stating this debt is not mine. Please help assist me in the removal Of this from my account thanks
08/16/2023	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 Their investigation did not fix an error on your report	FL 326XX	Web
To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.
07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89148	Web
XXXX is not properly investigating my dispute. The account keeps being updated incorrectly. XXXX is clearly re-aging the account.It is reporting late payments after a charge off and not reporting the original creditor also.
01/11/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01604	Web
They sent me an email stating that my credit score has dropped to XXXX so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.
02/27/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MN 55429	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
04/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92673	Web
Unauthorized use of credit report and/or deceptive or fraudulent practices for obtaining credit report when companies indicate only a soft pull on XXXX and XXXX Credit Reports.
11/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77406	Web
Credit inquiry on XX/XX/2023 on my XXXX account. I do not have any open credit accounts with this company. United Consumer Finance.
03/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	VA 233XX	Web
Account is closed and was paid in full. Never late. Account is still on credit report showing a 60 day late payment.
08/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE XXXXX	Web
This account should be deleted. Company never sent item and charged me for the amount of a product never received.
10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	NC 27107	Web
The information posted on the XXXX and XXXX of XXXX is incorrect I've been outta work for XXXX months now
04/14/2019	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	DE 19901	Web
there are 2 inquiries that i didn't authorized from XXXX XXXX from XXXX XXXX and XX/XX/XXXX XXXX.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 278XX	Web
Simply told them its not mine..Im a victim of fraud
06/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48227	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38109	Web

04/12/2023	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 30350	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web	Servicemember

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32828	Web

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90805	Web

10/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46235	Web

09/14/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Application denied	WI 53189	Web

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34957	Phone

06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93307	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95660	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27405	Web

05/03/2022	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 Problem with personal statement of dispute	IN 46143	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 42102	Web

04/13/2022	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 Was not notified of investigation status or results	GA 30153	Web

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 17552	Web

04/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MI 48227	Web

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 30643	Phone	Older American

01/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AZ 85635	Web	Servicemember

12/28/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OR 97301	Phone	Older American

08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60805	Phone

08/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 905XX	Web

07/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 08859	Web	Older American

07/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30344	Web

07/09/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WI 53402	Web	Servicemember

06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91606	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78621	Web

05/26/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NC 28546	Phone	Servicemember

04/27/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55106	Web

04/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31075	Web

04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77027	Web

04/02/2021	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 Their investigation did not fix an error on your report	MA 02301	Web

03/26/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30060	Phone

03/04/2021	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	HI 96753	Phone	Older American, Servicemember

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

02/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02324	Web

11/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone	Older American, Servicemember

11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02129	Web

09/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90717	Web

08/18/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CT 06418	Phone

08/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29501	Referral

08/05/2020	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	WI 53218	Web

07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28376	Web	Servicemember

06/02/2020	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Fraud or scam	NC 28806	Web

05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	ND 58203	Web

04/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95630	Web

03/05/2020	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	MA 02301	Web

01/26/2020	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	OH 44224	Web

12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30204	Web

11/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63042	Web

11/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60035	Referral

11/05/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CO 80504	Referral

09/30/2019	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 932XX	Web

09/13/2019	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90803	Web

08/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85295	Web

08/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CO 80403	Web

03/28/2019	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	CO 80817	Web

02/14/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 74014	Web

01/23/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48111	Web

01/15/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30134	Web

10/21/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 45014	Web

10/01/2018	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 28301	Web

09/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27455	Web	Older American, Servicemember

09/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CT 06051	Fax

08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27127	Web	Servicemember

08/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48193	Phone

07/23/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87499	Web

05/08/2018	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28401	Postal mail

05/07/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11429	Web

04/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95337	Web

04/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23314	Web

03/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22405	Fax

03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07724	Fax

02/26/2018	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	KS 66434	Web

02/09/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30214	Web

12/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web	Older American

04/01/2017	No	Consumer Loan Installment loan	Managing the loan or lease	SC 29714	Web

03/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28027	Web

02/03/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 361XX	Web	Servicemember

01/17/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30011	Web

07/13/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 98031	Referral

06/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43227	Web

11/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80831	Web

07/15/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	MS 39119	Phone

04/27/2015	Yes	Credit card	Billing disputes	TX 75043	Web

04/26/2015	Yes	Credit card	Billing statement	TX 75043	Web

02/25/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	WV 26386	Phone	Older American

01/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CT 06108	Phone	Older American, Servicemember