date
timestamp[ns] | company
stringlengths 3
67
| ticker
stringlengths 1
8
| bloomberg_share_id
stringlengths 12
12
| culpability_score
float64 0
1
| complaint_score
float64 -0.77
0.76
| grievance_score
float64 -0.71
0.67
| total_risk_rating
float64 -0.46
0.78
| product
stringclasses 21
values | sub_product
stringclasses 86
values | issue
stringclasses 178
values | sub_issue
stringclasses 271
values | consumer_complaint_narrative
stringlengths 4
32.8k
⌀ | company_public_response
stringclasses 11
values | state
stringclasses 63
values | zip_code
stringlengths 5
5
⌀ | tags
stringclasses 3
values | consumer_consent_provided
stringclasses 4
values | submitted_via
stringclasses 7
values | date_sent_to_company
timestamp[ns] | company_response_to_consumer
stringclasses 8
values | timely_response
stringclasses 2
values | consumer_disputed
stringclasses 2
values | selected_name
stringlengths 3
67
| similarity
float64 0.88
1
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2023-02-02T00:00:00 | western management consultants | 1750445D | BBG00QDC2DT9 | 0.830762 | -0.437428 | 0.457786 | 0.283707 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | First of all, all calls on my phone are recorded at my place of work. I received a message to my office. I called the number XXXX. Immediately the representative answered the phone and became very aggressive, by saying my name social security number and addresses. I told the rep I was unsure of what they were asking about. I then asked him to please not contact this number and he began to threaten me by calling other numbers. He mentioned he could do a contact search and contact other people I know. He was very abrasive and became very condescending. I called back to speak to XXXX and get his contact information, He would not give me the representatives name and has had me on hold now for 10 minutes ... I decided to hang-up and call back at the XXXX they answered the phone but would not respond. now when i call the number I do not get an answer. | null | TX | 77511 | null | Consent provided | Web | 2023-03-01T00:00:00 | Closed with explanation | Yes | null | western management consultants | 0.91588 |
2023-05-16T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.981027 | 0.383083 | 0.17778 | 0.513963 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | After being contacted by Western Mercantile regarding medical debt and learning my husband was being garnished for a debt, I requested complete verification of all debts they claimed to belong to me. I requested to receive all information I am entitled to to assist me in verifying the debt and specifically requested a complete accounting ledger of each debt that included all information I am entitled to as a consumer ( name of the original creditor, associated account number, itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records, current amount of the debt as of when the validation notice is provided, etc. I was instead mailed a basic list of each debt amount with account numbers and original creditor names. I again contacted Western Mercantile to request the complete itemization of each debt per the Debt Collection Rule that became effective XX/XX/XXXX and was repeatedly told I was provided all the information they were required to provide but that they would 'put my accounts back in dispute ' and send me another copy of what I had already received for verification of the debts. The next verification document I received following that call differed from the first as the debts were not consistent with the first validation document and I still was not provided any itemization. I called again to ask about this and was told by XXXX that they were not required to provide anything else. I asked her to provide all open account numbers they had listed as my debts and the current balances and the information provided was also inconsistent with the letter I had received just two weeks prior. I again asked for a complete itemization of each debt and was told again that I had already been provided all information I am entitled to for verification purposes however multiple accounts have balances significantly higher than the documentation they provided for those accounts. | Company believes it acted appropriately as authorized by contract or law | OR | XXXXX | null | Consent provided | Web | 2023-05-16T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2023-07-03T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.833574 | -0.143933 | 0.442398 | 0.377346 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I sold a vehicle to an individual approximately XXXX year ago and the buyer never registered the vehicle into his name. The trailer park were said individual lived had the vehicle towed from the property by XXXX XXXX XXXX western mercantile insists the debt is mine, however I have a Bill of sale from the transaction. I sent an email of the bill of sale to western Mercantile agency And they said that the signatures do not match which is not true, the buyer and seller signed the bill in front of XXXX another and the buyer will attest to the transaction. This is not my bill and I provided proof to no avail. The owner of the towed vehicle is responsible for this debt, not myself. I do not live at the address it was towed from not have I ever lived at said address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | OR | 974XX | null | Consent provided | Web | 2023-07-03T00:00:00 | Closed with explanation | No | null | western mercantile agency, inc | 0.898932 |
2023-07-11T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.834084 | -0.224197 | 0.443302 | 0.351063 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | Western Merchantile Served my wife At her work with a court summons for a debt. she agreed to garnishment. They followed up by falsely delivering the summons post the signed date to her other old places of employ for a set amount per fake attempt. After garnishments began they over garnished the final payment XXXX XXXX we immediately contacted them to inform them of the error. We were told we would receive the funds in one to two months, which was now almost 5 years ago. They now started harassing phone calls attempting to collect an almost 11 year old debt for less than they owe us. I have attempted to pay the Companies that the debts originated with that We did business with and they are not allowed to take the money. Which means the debt has been purchased by western mercantile, which they also deny. But if they don't own the debt, my original debtors would be able to take the money. They are a cancerous stain on our community and their business practices are in need of real scrutiny. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | OR | 97420 | null | Consent provided | Web | 2023-08-11T00:00:00 | Closed with explanation | No | null | western mercantile agency, inc | 0.898932 |
2023-09-11T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.836003 | -0.189571 | 0.342549 | 0.329661 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | null | null | OR | 97209 | null | Consent not provided | Web | 2023-09-11T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2023-09-15T00:00:00 | western mercantile agency, inc | 1750445D | BBG00QDC2DT9 | 0.833084 | -0.28602 | -0.455498 | 0.030522 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | null | null | OR | 97467 | null | Consent not provided | Web | 2023-09-15T00:00:00 | Closed with explanation | Yes | null | western mercantile agency, inc | 0.898932 |
2014-04-03T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.291766 | -0.141437 | 0.438489 | 0.196273 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | null | null | MS | 39272 | null | null | Web | 2014-04-02T00:00:00 | Closed with explanation | Yes | Yes | healthcare financial services, llc | 0.983084 |
2014-05-08T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.248453 | -0.065565 | 0.431541 | 0.20481 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | null | LA | 71270 | null | null | Web | 2014-05-09T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2014-06-10T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.374822 | 0.004037 | 0.408941 | 0.2626 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | null | null | null | null | null | null | Phone | 2014-06-11T00:00:00 | Closed with non-monetary relief | Yes | No | healthcare financial services, llc | 0.983084 |
2014-07-08T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.396873 | -0.098614 | 0.408941 | 0.235733 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | null | null | MS | 39154 | null | null | Web | 2014-07-08T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2014-07-14T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.296353 | -0.129515 | 0.310456 | 0.159098 | Debt collection | Medical | Disclosure verification of debt | Not disclosed as an attempt to collect | null | null | MS | 39272 | null | null | Web | 2014-07-14T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2014-07-30T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.382102 | -0.159348 | 0.431541 | 0.218099 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | null | MS | 38701 | null | null | Web | 2014-08-01T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2014-08-22T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.381624 | -0.137889 | 0.438489 | 0.227408 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | null | null | LA | 71023 | null | null | Web | 2014-08-22T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2014-08-25T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.413693 | -0.145715 | 0.431541 | 0.233173 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | null | MS | 38701 | null | null | Web | 2014-08-29T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2014-10-03T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.406253 | -0.0996 | 0.431541 | 0.246065 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | null | MS | 39111 | null | null | Web | 2014-10-08T00:00:00 | Closed with non-monetary relief | Yes | Yes | healthcare financial services, llc | 0.983084 |
2014-10-29T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.453001 | -0.16516 | 0.093428 | 0.12709 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | null | null | CO | 80226 | null | null | Web | 2014-10-29T00:00:00 | Closed with non-monetary relief | Yes | No | healthcare management, llc | 0.936025 |
2014-11-02T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.387985 | 0.105715 | 0.621883 | 0.371861 | Debt collection | Medical | Taking/threatening an illegal action | Threatened to sue on too old debt | null | null | MS | 39211 | null | null | Web | 2014-11-02T00:00:00 | Closed with non-monetary relief | Yes | No | healthcare financial services, llc | 0.983084 |
2014-11-19T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.480077 | 0.019372 | 0.583238 | 0.360896 | Debt collection | Medical | Communication tactics | Threatened to take legal action | null | null | MS | 39154 | Servicemember | null | Web | 2014-11-19T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2014-12-05T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.355579 | -0.03055 | 0.138491 | 0.154507 | Debt collection | Medical | Improper contact or sharing of info | Contacted employer after asked not to | null | null | MS | 38778 | null | null | Web | 2014-12-05T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2014-12-12T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.424368 | -0.164912 | 0.13079 | 0.130082 | Credit reporting | null | Incorrect information on credit report | Account terms | null | null | CA | 94941 | null | null | Web | 2014-12-15T00:00:00 | Closed with explanation | Yes | No | healthcare management, llc | 0.936025 |
2014-12-16T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.247323 | -0.148498 | 0.339352 | 0.146059 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | null | null | WA | 98102 | null | null | Web | 2014-12-17T00:00:00 | Closed with monetary relief | Yes | No | healthcare financial services, llc | 0.983084 |
2015-01-23T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.384117 | -0.166256 | 0.433147 | 0.217003 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | null | null | CO | 80123 | null | null | Web | 2015-01-28T00:00:00 | Closed with explanation | Yes | Yes | healthcare management, llc | 0.936025 |
2015-01-27T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.354945 | -0.153708 | 0.401323 | 0.200853 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | null | null | MS | 39074 | Servicemember | null | Fax | 2015-03-03T00:00:00 | Closed with non-monetary relief | Yes | Yes | healthcare financial services, llc | 0.983084 |
2015-02-15T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.536443 | -0.070537 | 0.249774 | 0.23856 | Debt collection | Medical | Communication tactics | Called after sent written cease of comm | null | null | MS | 38924 | null | null | Web | 2015-02-24T00:00:00 | Closed with explanation | Yes | Yes | healthcare financial services, llc | 0.983084 |
2015-03-07T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.354042 | -0.096031 | 0.359794 | 0.205935 | Debt collection | Medical | Communication tactics | Frequent or repeated calls | null | null | MS | 39667 | null | null | Web | 2015-03-07T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2015-06-04T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.859933 | -0.049367 | 0.408941 | 0.406502 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | I 'm disputing this account because this bill was paid to the originator XXXX XXXX XXXX XXXX XXXX, this account was paid in full on XXXX XXXX, 2014 in the amount of {$130.00}. I have contacted Healthcare Financial Services LLc and XXXX XXXX XXXX XXXX XXXX, asking them to remove this collection from my credit report but they refuse.
XXXX XXXX XXXX XXXX XXXX, says that they never received my payment therefore forwarded this account to collection. I know I made this payment but not sure what might have happen in-between leaving my home address and reaching XXXX XXXX XXXX XXXX XXXX. I have the canceled check to prove that I paid this account. My goals are to show excellent credit worthiness to all my lenders and to have no doubt. I 'm hoping that XXXX XXXX XXXX XXXX I, can see pass this and delete from my credit file. | null | LA | 70737 | null | Consent provided | Web | 2015-06-08T00:00:00 | Closed with non-monetary relief | Yes | No | healthcare financial services, llc | 0.983084 |
2015-07-14T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.859154 | -0.194619 | 0.408941 | 0.357825 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | null | null | MS | 39204 | null | Consent not provided | Web | 2015-07-21T00:00:00 | Closed with non-monetary relief | Yes | No | healthcare financial services, llc | 0.983084 |
2015-08-27T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.859378 | -0.140677 | 0.39444 | 0.371047 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | null | null | MS | 39047 | Older American, Servicemember | Consent not provided | Web | 2015-08-27T00:00:00 | Closed with non-monetary relief | Yes | Yes | healthcare financial services, llc | 0.983084 |
2015-08-28T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.855574 | 0.062505 | 0.339352 | 0.419144 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | On XXXX/XXXX/2015, I ran a credit report with XXXX. My credit score was XXXX with no adverse accounts or collections. On XXXX/XXXX/2015, I started working with my husband on an erroneous collection that had been place on his credit report. During the course of our discoveries, we found out that this was a medical bill for me. We never received a medical bill. We never received a collection letter. We never received any written or verbal communications from anyone. While working with the collection agency and their client, the doctors to resolve errors they both had made on our address and our insurance company and the proper person to file the insurance claim, out of nowhere, a collection for the same account was place on my credit report on XXXX/XXXX/2015. The client, XXXX XXXX XXXX admitted that they made a gross error in the way they initially filed the claim.
On XXXX/XXXX/2015 when I found out about the medical bill, I immediately contacted XXXX XXXX XXXX and furnished them with the correct insurance information. By XXXX/XXXX/2015, they were paid.
This should never have been referred to a collection agency. XXXX XXXX XXXX filed their insurance claim incorrectly. XXXX XXXX XXXX had an incorrect address for me and therefore, I never received any communication from them about a medical bill.
When I went in for an emergency service, I went to XXXX XXXX XXXX XXXX, all information with regard to contact information and proper insurance, XXXX, was furnished to them. They filed their claim and were paid in full promptly. I 'm sure the physicians were contracted through the hospital so I have no idea where they obtained their billing or insurance information in order to file a claim. I did not contract with XXXX XXXX XXXX. My entrance into the hospital was with XXXX XXXX XXXX XXXX.
I never received a collection letter from XXXX XXXX XXXX. They used the same incorrect address that the Physicians used. | null | MS | XXXXX | Older American, Servicemember | Consent provided | Web | 2015-09-04T00:00:00 | Closed with non-monetary relief | No | No | healthcare financial services, llc | 0.983084 |
2015-10-23T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.858562 | 0.285598 | 0.431541 | 0.525234 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | As of XXXX, XXXX has been my Primary source of Healthcoverage.
Prior to this date, I 'd never needed nor wanted either the State nor Federal Government to be of assistance. Due to the fact I was ( am ) a XXXX, I 'd taken pride of my accomplishments and achieved goals. I was very financially independent. I paid ALL my bills before their due dates, an individual ( conventional loan @ lowest APR ) homeowner, vehicle owner ( paid off after 60 months with the lowest possible APR ). Literally, I 'd achieved the proverbial " American Dream '' as a young adult, then young XXXX aged woman.
Then, this happened : I 'd lived in XXXX XXXX, XXXX for 16 wonderful years, until the Nation 's largest Natural Disaster of the Century, XXXX XXXX, came bustling through with her winds figuratively knocking me to my knees. I, like true survivors do, brushed the dirt off and pulled my buit straps up for the sake of my life as a single mother of XXXX. NO! I was not a XXXX " Victim '' looking for free handouts from every benevolent social or governmental source. I was even a donator of my time and whatever resources I had then, and distributed them to the REAL victims, the citizens of XXXX XXXX seeking immediate relief at the XXXX ' Center set up at the XXXX State Fair Grounds in XXXX XXXX XXXX
Enough of sounding like the Martyred Saint. I, as most humans do, end up making poor choices with no regard to the foreseeable consequences. Indeed, what choices I were making, I truly had my family 's best interest at heart. Unfortunately, they always were n't. And I 've dutifully taken responsibility for any consequences I brought on myself. Obviously, poor financial decisions becomes one of them when their flying around like a chicken with their head cut off by scrambling to figure how to make ends meet ( all legal, of course ) It 's hard, it 's tough, and self-defeating actions occur when one believes they 've hit their personal rock bottom.
In the lowing wake of XXXX, I made the snap irrational decision to put my home for sale, bc the real estate value rocketed due to SO many displaced citizens searching to buy. I uprooted my single mother of XXXX life, and moved to XXXX in order to be closer to family. Almost immediately following, I met and married a man I barely even knew XX/XX/XXXX. The rest speaks for itself, the financial crumbling ruins of ALL I 'd worked so tenaciously to achieve. He soon became a XXXX on every level imaginable. He stole from my banking account, never allowed me on his all resulting in XXXX, XXXX, XXXX, XXXX, and XXXX. And, I had n't a shred of evidence to prove otherwise. To wrap it up, I fled with my daughter with only the clothes on our back to the closest XXXX and XXXX. I 've since, been fighting my way back up for the last three and one half years. My now, XXXX year old, amazing daughter and I are recovering happily on every level. However, financial decisions are n't up to her as a minor. I 'm doing all I can to tame the ominous credit vipers in order to get FULLY back on my feet again financially which is near impossible with such a low poor credit score. All my medical bills are certainly going to be disputed and their collection agencies, to their attorney 's fees, because I 've by the grace of those TRULY in need,! have been covered under XXXX which is now called " XXXX XXXX XXXX '' - XXXX XXXX. Sorry to sound melodramatic of it all, bc I ca n't stand melodrama myself. But, I need financial help and advising immediately. Thank you so much, in advance for all you 're able to do.
Sincerely, XXXX XXXX | null | MS | 392XX | null | Consent provided | Web | 2015-10-29T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2015-11-25T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.857784 | 0.602196 | 0.43865 | 0.632877 | Debt collection | Medical | False statements or representation | Attempted to collect wrong amount | URGENT! ACTION NEEDED : False representation, unethical behavior and consequent actions of a medical facility and health corporation along with padding medical costs, etc. : I went to court yesterday, at XXXX in the XXXX County Justice Court in XXXX , Mississippi , an attorney with Healthcare Financial , the legal representative for XXXX XXXX Hospital presented legal proceedings against me for medical bill debt collection. It was at XXXX XXXX Hospital 's Emergency Room where last summer, in XXXX, I received Emergency Room medical services, one, in XXXX machine for XXXX which skyrocketed the bill, and Paid {$40.00} on bill and was not reflected at court, XXXX, Tuesday, XX/XX/XXXX. So, before any collections, my bill was paid before judgment and notice, why should I now after court and stating my case face financial repercussions. There in Justice Court, the Judge XXXX XXXX ruled in favor of Healthcare Financial ( XXXX XXXX Hospital ) in a ruling of over {$1100.00} in ER medical costs ( the original cost, not reflecting the {$40.00} paid while in good standing-UNFAIR to turn over to collections ), court costs and attorney 's fees, even though Healthcare Financial with their paperwork quoted me as owing the entire amount of the medical bill, not giving credit nor taking into account the {$40.00} I paid back in XXXX to the XXXX XXXX Hospital and I have my receipt. The original medical bill only, after I paid {$40.00} in a good faith effort was {$850.00}. Early on in summer XX/XX/XXXX, less than a few weeks after receiving services, I contacted the hospital requesting to make payments of {$10.00} to {$20.00} a month and more when I could afford to and was declined. I was told the least payments the hospital would accept was {$40.00} a month. With all my tons of bills, I struggled to make any payment, yet, while my medical account was in more-than-not, in good standing. I told the attorney I paid {$40.00} on my medical bill, and she said to me in the presence of the judge, " You should n't been able to pay them. They should n't took a payment from you. '' But they did! And I have the receipt from XX/XX/XXXX. However, in Justice Court before all speaking aloud, the attorney for Healthcare Financial-XXXX XXXX Hospital said after I asked the Judge, XXXX XXXX could I continue on making payments or more affordable payments to the hospital and the attorney said I could pay a COLLECTION AGENCY, and the damage has already been done. I was more than not devastated. The attorney did not take into account the {$40.00} payment and asked for better arrangements, therefore my account should not be turned over to collections in such unethical and credit not taken into account. | null | MS | 389XX | null | Consent provided | Web | 2015-11-25T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2015-12-28T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.859347 | -0.156984 | 0.339352 | 0.347238 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | null | null | MS | 39202 | null | Consent not provided | Web | 2015-12-28T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2016-01-06T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.850356 | -0.0431 | 0.431541 | 0.412933 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | I contacted Health Care Financial Services in XXXX regarding an account that did not belong to me. I was told if I paid {$500.00} they would remove the account from my Equifax. I felt like i was being bullied by the agent so she could collect salary and the agency so could make money. The representative was very rude and aggressive.
I have never received any services at the XXXX Medical Center in XXXX, Mississippi. The hospital has no record of any treatment under my name or social security number. I spoke with XXXX XXXX XXXX and she suggested that I filed a complaint against the agency and file a dispute. The alleged patient had a date of birth of 1966 and i was not even born in 1966.
I feel that is unfair for these agents to wrongfully collect monies against innocent people who do not know their rights.
The address was not my address either.
After I did not pay this ladies salary when she gave me a deadline later they started reporting negative information that affected my credit score. My score dropped by XXXX points on XXXX occasions due to these bully 's. Later they added it to another reporting agency.
As i started to fight them back I noticed that they started passing my information on to other collection agencies to report negative items as well.
Consumers should not be bullied or spoken to in very aggressive and nasty ways by such agency representatives. | null | AL | 355XX | null | Consent provided | Web | 2016-01-06T00:00:00 | Closed with explanation | Yes | Yes | healthcare financial services, llc | 0.983084 |
2016-02-05T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.858931 | -0.294624 | 0.408941 | 0.324416 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | First, I am a veteran, so there was never a bill for me to pay. The company Healthcare Financial Services ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on no ones authorization put me in collections and on my credit report for bills that I never had. I was about to pay them ion order to get them removed from my credit report, but instead went to the ( XXXX ) and sat down with the director of business office and came to find out that She never even sent them any information or a bill concerning me because there was no bill to send. They also fabricated XXXX other bills that the ( XXXX ) can verify in the total amount of around XXXX dollars. THe hospital ( XXXX XXXX, XXXX ) called them and straightened the matter out, but they ( Health Financial Serv. employee contacts were very rude and laughing about the matter. If i had paid the amounts that were asked for where would the money have gone for a bill that did not exist? They are running a SCAM and need to be totally shut down and I am filing a suit because of the damage that has incurred on my credit report. | null | MS | 391XX | Servicemember | Consent provided | Web | 2016-03-18T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2016-02-24T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.856904 | -0.107124 | 0.431541 | 0.393774 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | null | MS | 39211 | Servicemember | Consent not provided | Web | 2016-02-24T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2016-05-25T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.859845 | -0.142561 | 0.425905 | 0.381063 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Right to dispute notice not received | null | null | CO | 81650 | null | Consent not provided | Web | 2016-07-01T00:00:00 | Closed with explanation | Yes | No | healthcare management, llc | 0.936025 |
2016-07-05T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.844521 | -0.34919 | 0.408941 | 0.301424 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | In XXXX 2016 I paid off a medical bill three months early. I paid electronically thru the Healthcare Financial website. I received a confirmation email. In XXXX XXXX with Healthcare Financial called saying I owed money and had not paid since XXXX 2016. I informed her of my payment in XXXX and gave her my confirmation number. She informed me they were in the process of switching their collections system and I may have received an email confirming payment but that did n't mean the payment went thru. With her on the phone I checked by bank account and confirmed the money did come out of my account. She said she would review the account and call me back. The next several days I called to check on my account and spoke with XXXX on XXXX XXXX and XXXX on XXXX XXXX. XXXX requested I fax her a copy of the email and a copy of my bank statement. A manager called me later in the week and informed me they were looking into the account and that they would place a hold on my account until the issue was resolved. XXXX XXXX I received another call from Healthcare Financial asking for payment. I informed " XXXX XXXX '' of the previous conversations I had with HFS and of the faxed documents I had sent on XXXX. She asked that I fax them again. I did fax the documents.. The next day I happen to receive a letter from HFS requesting payment as well.
I have paid this debt and provided paperwork to prove the payment did come out of my bank account and the company itself sent me a confirmation email. | null | MS | 39047 | null | Consent provided | Web | 2016-07-06T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2016-10-06T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.993729 | -0.387503 | 0.433147 | 0.346458 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | I 've spoken to multiple representatives at A1 collections in XXXX, CO. Every time i speak with someone the amount I owe has been a different number. They are over 2 weeks behind on processing the electronic transfer from my garnishment. As of now I have paid it off in full but they do n't have record of it so they are continuing to garnish future paychecks when to my calculations the amount in full is paid off. I find it really shady that they do n't have record of my most recent payments. I work for XXXX and have been in contact with my payroll division and they have promised me that they electronically transfer the garnishment and that there should be no more the 3 days for the money to be processed. A1 has been extremely rude and inconsistent with the amount of money. Maybe there is a lag in data processing on their part but I do n't feel like I should suffer because they do n't update their payment records in a timely fashion. | Company believes it acted appropriately as authorized by contract or law | CO | 804XX | null | Consent provided | Web | 2016-11-15T00:00:00 | Closed with explanation | Yes | No | healthcare management, llc | 0.936025 |
2016-10-11T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.852169 | -0.109368 | 0.438489 | 0.393763 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | null | null | MS | 39212 | Servicemember | Consent not provided | Web | 2016-10-11T00:00:00 | Closed with explanation | Yes | No | healthcare financial services, llc | 0.983084 |
2020-01-08T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.774879 | -0.306447 | -0.178874 | 0.096519 | 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 | null | null | IL | 60629 | null | Consent not provided | Web | 2020-01-08T00:00:00 | Untimely response | No | null | healthcare financial services, llc | 0.983084 |
2020-11-18T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.82191 | -0.06531 | 0.064542 | 0.273714 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | CT | 06536 | null | null | Referral | 2020-11-18T00:00:00 | Untimely response | No | null | healthcare financial services, llc | 0.983084 |
2021-07-16T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.848086 | -0.1658 | 0.342521 | 0.341602 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | null | null | CO | 816XX | null | Other | Web | 2021-07-16T00:00:00 | Closed with explanation | Yes | null | healthcare management, llc | 0.936025 |
2021-08-30T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.836469 | -0.243718 | 0.576695 | 0.389815 | Debt collection | Medical debt | Communication tactics | Used obscene, profane, or other abusive language | I XXXX XXXX is the Original creditor. Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692 a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see the attached copies. I have tried resolving this with the collection agencies in which they keep saying this alleged debt is validated. Again how can you validate something you was not there for. Only I the original creditor can validate this alleged Debt. I XXXX XXXX DO NOT validate this debt. I will be filing a complaint with the XXXX as well as the attorney general. I do also plan to contact the media and release the information in regards to me being the consumer and natural person and my consumer rights as listed by Congress. | null | OH | 456XX | null | Consent provided | Web | 2021-08-30T00:00:00 | Untimely response | No | null | healthcare financial services, llc | 0.983084 |
2022-01-22T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.819061 | -0.181114 | 0.174293 | 0.270747 | 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 | null | null | TX | 76011 | null | Consent not provided | Web | 2022-02-03T00:00:00 | Untimely response | No | null | healthcare financial services, llc | 0.983084 |
2022-03-23T00:00:00 | healthcare financial services, llc | 1807648D | BBG00VFL20B3 | 0.840315 | -0.590006 | -0.157356 | 0.030984 | Checking or savings account | Other banking product or service | Closing an account | Funds not received from closed account | I need you guys to not take the XXXX out of my account and that I better not have any charges from u guys bc I didn't realize that I used to use you for another company n I don't like ur service so please don't take no money off my card n what ever u took from me needs to be back on my card thank you | null | PA | 178XX | Servicemember | Consent provided | Web | 2022-03-24T00:00:00 | Untimely response | No | null | healthcare financial services, llc | 0.983084 |
2023-03-08T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.846571 | -0.36128 | 0.183385 | 0.222892 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/XXXX a wrong collection report was file under my name and address. I did try to validate the information throught cerified mail exercising my FDCPA Rights made persuant to 15 USC Sec. 809 ( b ) on XXXX XXXX of XXXX an agent of the company name XXXX signed reciving my validtion notice but is been 40 days and the 30 day period has expired and they havent been able to provide me with any proof of this debt neither they have remove this account from any of the credit bureaus ( XXXX, XXXX, XXXX ) and doing more research they dont have a valid collection license in the state of Colorado making this report not only invalid but ilegal. i would like to report this angency and make sure this false report gets removed from my credit report. | null | CO | 80130 | null | Consent provided | Web | 2023-03-08T00:00:00 | Closed with explanation | Yes | null | healthcare management, llc | 0.936025 |
2023-09-21T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.845047 | 0.59669 | 0.496631 | 0.646122 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | I have medicaid and i should not owe any collections as it pertains to medical that are on my credit report. I've resolved with the courts and have uploaded all the documents that states the collection company is illegally attempting to collect a debt not owed. I need the collections removed from my reports which i've attempted to do many times but have not come off. Please assist in any way you can. | null | CO | 816XX | null | Consent provided | Web | 2023-09-21T00:00:00 | Closed with explanation | Yes | null | healthcare management, llc | 0.936025 |
2023-12-05T00:00:00 | healthcare management, llc | 1807648D | BBG00VFL20B3 | 0.843493 | 0.349474 | 0.304402 | 0.499123 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | For well over a month now after we filed XXXX XXXX bankruptcy out of the blue we keep receiving calls & messages but when Ive called many times now they know Ive filed bankruptcy & it has been discharged!!! They keep calling all month of XX/XX/2023 & now XX/XX/XXXX tXXXX XXXX I want it to stop AR Services phone number XXXX when I ask what I owe they dont have a account for me??? | null | WI | 53511 | null | Consent provided | Web | 2023-12-06T00:00:00 | Closed with explanation | Yes | null | healthcare management, llc | 0.936025 |
2020-09-27T00:00:00 | high mountain funding inc. | 1818578D | BBG00WCZXW74 | 0.973947 | 0.410879 | -0.017206 | 0.455874 | 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 | XXXX is in violation of federal law for continuing to report an inaccurate information on my credit report. Account under the name : High mountain funding inc, original : creditor XXXX XXXX XXXX XXXX.
I sent XXXX a dispute letter in XXXX, XXXX and XXXX of 2020. XXXX has sent me updated information claiming that account has been verified and updated. Without a method of verification as required my law.
I also sent High mountain funding inc a validation letter in XXXX, XXXX, and XXXX of 2020 as of today I have yet to receive a response. A violation of FCRA rules section 609b and FDCPA section 809b.
Please see attachment ; | Company disputes the facts presented in the complaint | FL | 33024 | null | Consent provided | Web | 2021-01-06T00:00:00 | Closed with explanation | Yes | null | high mountain funding inc. | 0.980787 |
2021-02-17T00:00:00 | high mountain funding inc. | 1818578D | BBG00WCZXW74 | 0.977134 | -0.192869 | 0.422363 | 0.40221 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | null | Company believes it acted appropriately as authorized by contract or law | NY | 11206 | null | Consent not provided | Web | 2021-03-06T00:00:00 | Closed with explanation | No | null | high mountain funding inc. | 0.980151 |
2021-11-27T00:00:00 | high mountain funding inc. | 1818578D | BBG00WCZXW74 | 0.981655 | 0.092359 | 0.379557 | 0.484524 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | On XX/XX/XXXX I place a phone call to a collection agency known as : High Mountain Funding Inc .
In regards to a collection account place on my XXXX credit report after a random check of my consumer profile review.
Unfortunately I was not able to receive the name of the woman addressing incoming phone calls do to her lack of respect and disregard of properly identifying herself.
She insisted I give her formation, name, case number, Etc.
I felt extremely uncomfortable therefore I am filing this complaint to inform, High Mountain Funding Inc, that this unknown and unverified collection account is showing multiple an clear inaccuracies.
I made an attempt to contact and receive information to understand how they come to the conclusion of their calculations with the sum of : {$1500.00} Which is completely and absolutely inaccurate from XXXX and XXXX that is reporting {$1500.00}. Also on XXXX the original creditor is reporting {$1500.00} Also its clear the account is closed but was updated on : XX/XX/XXXX as an open account.
It appears attempts to violate my rights are being committed which is a violations of the FCRA under the law regarding Re-aging accounts.
- XXXX XXXX is reporting a update on : XX/XX/XXXX with original creditor.
- XXXX is reporting a update on : XX/XX/XXXX - XXXX is reporting XX/XX/XXXX - High Mountain Funding Inc reported XX/XX/XXXX on my XXXX Credit Report XXXX
This account was closed by the original creditor : XXXX XXXX XXXX, on : XX/XX/XXXX. However, the collection agency in question has reported account status as : Open.
During my research after my attempt to reach a member of this company to understand more about this unknown debt, my research lead me to find a law suit against this particular collection agency that warrant this complaint for their unfair practices. | Company believes it acted appropriately as authorized by contract or law | CT | 06704 | null | Consent provided | Web | 2021-12-13T00:00:00 | Closed with explanation | No | null | high mountain funding inc. | 0.980787 |
2022-06-08T00:00:00 | high mountain funding inc. | 1818578D | BBG00WCZXW74 | 0.983819 | 0.492346 | 0.033112 | 0.503092 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | i have no idea who this is why they are on my credit and why they say i owe money i want it off my credit immediatly and permanently i demand resolution this is ruinning my life i am a kid i am only just turned XXXX i am in XXXX i live with my mother i am not even old enough to have debt remove this NOW | Company believes it acted appropriately as authorized by contract or law | NY | 11378 | null | Consent provided | Web | 2022-06-23T00:00:00 | Closed with explanation | Yes | null | high mountain funding inc. | 0.980151 |
2022-12-06T00:00:00 | high mountain funding inc. | 1818578D | BBG00WCZXW74 | 0.979963 | 0.018541 | -0.048745 | 0.316586 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I've disputed the following account since XXXX.
( High Mountain Financial ) Original Creditor ( XXXX XXXX XXXX Bank ) Please note that this account is not being reported on XXXX or XXXX And is only being reported on XXXX.
This is a violation of federal law.
I've sent a dispute letter challenging the report of this account This account can not be fully verified by either XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. A violation of federal law. | Company disputes the facts presented in the complaint | FL | 33145 | null | Consent provided | Web | 2022-12-06T00:00:00 | Closed with explanation | No | null | high mountain funding inc. | 0.980787 |
2016-06-03T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.99225 | 0.271989 | 0.662409 | 0.642216 | Debt collection | Payday loan | Taking/threatening an illegal action | Threatened arrest/jail if do not pay | Citi Management group has sent me a letter and called and threaten to send me to jail if I did n't pay ... .they sent me a letter of debt. but sent me a deferent person letter ... .I brought this to there attention and they resent me the same letter but just change the name 's. The account number stayed the same and the address from NC. now they are calling me from deferent number threaten me to pay this or it will be turn over to the court and I will have legal matters. And I explain to then the I would like to take care of this issue but all the information is in correct ... My last conversation the man told me he was sending a letter to my payroll department and collect from them ... and then this guy XXXX call back and told me that i was n't going scheme out of this and just hung up on me ... please help.. | Company believes it acted appropriately as authorized by contract or law | TX | 78412 | null | Consent provided | Web | 2016-06-07T00:00:00 | Closed with explanation | Yes | No | citi management group, llc | 0.984733 |
2016-06-16T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.857471 | -0.11819 | 0.660647 | 0.466643 | Debt collection | Payday loan | Taking/threatening an illegal action | Threatened to sue on too old debt | A debt collection agency, XXXX XXXX XXXX, contacted us and said my husband took out a loan from them and owes a balance of {$890.00}. He did not receive a loan from this company. | null | NC | 28205 | Older American, Servicemember | Consent provided | Web | 2016-06-23T00:00:00 | Untimely response | No | No | citi management group, llc | 0.984733 |
2016-08-11T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.857269 | -0.177859 | 0.147658 | 0.275689 | Payday loan | null | Can't contact lender | null | null | null | KY | 42103 | null | Consent not provided | Web | 2016-08-19T00:00:00 | Untimely response | No | No | citi management group, llc | 0.984733 |
2016-11-28T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.856283 | 0.429562 | 0.161088 | 0.482311 | Payday loan | null | Can't contact lender | null | Citi management group keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made XXXX payment of {$77.00} then XXXX further payments.
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}.
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount.
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court.
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them.
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION | null | TX | 77381 | null | Consent provided | Web | 2016-11-29T00:00:00 | Untimely response | No | No | citi management group, llc | 0.984733 |
2017-01-17T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.858072 | -0.209468 | 0.349211 | 0.332605 | Debt collection | Payday loan | Cont'd attempts collect debt not owed | Debt is not mine | null | null | MA | 21218 | null | null | Phone | 2017-02-21T00:00:00 | Untimely response | No | No | citi management group, llc | 0.984733 |
2017-02-16T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.857762 | 0.255996 | 0.153961 | 0.422573 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | Left a message on my mother in laws phone threatening legal action against me. No one would give any actual information and the person who left the message, XXXX XXXX, according to XXXX XXXX, is no longer employed there. Called under the guise of City Management Group. They XXXX people 's names and call anyone who shows up as a relative with a public number. They could not reach me because my number is not published but they called my mother in law and left a message because her is. | null | LA | 70068 | null | Consent provided | Web | 2017-03-21T00:00:00 | Untimely response | No | No | citi management group, llc | 0.984733 |
2018-01-31T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.849348 | -0.137198 | -0.413008 | 0.099714 | Debt collection | I do not know | Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | null | null | PA | 19018 | null | Consent not provided | Web | 2018-02-01T00:00:00 | Untimely response | No | null | citi management group, llc | 0.984733 |
2018-02-26T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.851417 | -0.144863 | 0.490199 | 0.398918 | Debt collection | I do not know | Communication tactics | Used obscene, profane, or other abusive language | null | null | OH | 45601 | Servicemember | Consent not provided | Web | 2018-03-06T00:00:00 | Untimely response | No | null | citi management group, llc | 0.984733 |
2018-04-19T00:00:00 | citi management group, llc | 1888297D | BBG0112C9NV3 | 0.849662 | -0.175899 | 0.153961 | 0.275908 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | null | null | SC | 29210 | null | Consent not provided | Web | 2018-05-01T00:00:00 | Untimely response | No | null | citi management group, llc | 0.984733 |
2015-02-10T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.989975 | -0.183265 | -0.17713 | 0.20986 | Consumer Loan | Vehicle loan | Shopping for a loan or lease | null | null | Company believes complaint caused principally by actions of third party outside the control or direction of the company | MS | 39202 | null | null | Web | 2015-03-26T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2015-03-01T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.989851 | -0.21261 | -0.081243 | 0.231999 | Consumer Loan | Vehicle loan | Shopping for a loan or lease | null | null | Company believes it acted appropriately as authorized by contract or law | TX | 76020 | null | null | Web | 2015-03-26T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2015-03-25T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.994492 | -0.37428 | 0.163241 | 0.261151 | Debt collection | Auto | Improper contact or sharing of info | Talked to a third party about my debt | I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night. | Company believes it acted appropriately as authorized by contract or law | MS | 391XX | null | Consent provided | Web | 2015-04-08T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2015-12-02T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.992349 | -0.195906 | -0.181118 | 0.205108 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | null | Company believes complaint is the result of an isolated error | MS | 39649 | Servicemember | null | Postal mail | 2015-12-09T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-01-07T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.98473 | -0.19076 | -0.131243 | 0.220909 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | null | Company believes complaint represents an opportunity for improvement to better serve consumers | GA | 30016 | null | null | Phone | 2016-01-07T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-02-03T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.990247 | 0.490811 | 0.014365 | 0.498475 | Consumer Loan | Vehicle loan | Taking out the loan or lease | null | My XXXX i-35 infinite vehicle was wrecked back in XXXX XXXX. The owner that hit my vehicle his insurance company paid off my vehicle in XXXX XXXX. It was total paid off to the " Go Financial '' company. My name should have been submitted so that my credit score could improve. XXXX XXXX *********** | Company believes the complaint is the result of a misunderstanding | LA | 70601 | null | Consent provided | Web | 2016-02-03T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-02-17T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.991191 | -0.291413 | -0.147919 | 0.183953 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | null | Company believes complaint is the result of an isolated error | DE | 19850 | null | Consent not provided | Web | 2016-02-17T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-03-10T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.969583 | -0.274339 | -0.146433 | 0.182937 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | null | Company believes complaint caused principally by actions of third party outside the control or direction of the company | GA | 30281 | null | Consent not provided | Web | 2016-03-10T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-06-25T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.781091 | -0.37912 | -0.091557 | 0.103471 | Consumer Loan | Vehicle loan | Shopping for a loan or lease | null | null | null | PA | 18202 | null | Consent not provided | Web | 2016-12-25T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-06-25T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.976733 | -0.227826 | -0.37843 | 0.123492 | Consumer Loan | Vehicle loan | Problems when you are unable to pay | null | null | Company believes the complaint is the result of a misunderstanding | GA | 30016 | null | Consent not provided | Web | 2016-12-25T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-07-13T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.988454 | -0.179827 | 0.21051 | 0.339712 | Debt collection | Auto | Communication tactics | Frequent or repeated calls | null | Company believes it acted appropriately as authorized by contract or law | FL | 34668 | null | Consent not provided | Web | 2016-07-15T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-08-01T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.971336 | -0.178914 | -0.140355 | 0.217356 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | I bought a car from XXXX, and GoFinancial is the lender. I received delivery of the car in XXXX 2015, got plates and had no problem with the car. XX/XX/2015 I moved to XXXX from XXXX. I went to the DMV and filled out the necessary paperwork to have my license plate transferred. To have the plates transferred GoFinancial must send proof of title to the State of XXXX. XXXX will not accept electronic proof of title. GoFinancial has failed to provide proof of title to the state of XXXX for a year now. I am paying for a car that I can not drive, because I can not get a license plate for it. I have been working with the title department of GoFinancial for about the last 6 months. When I call they tell me they have to order a copy of the title from the bank, and that that takes a few weeks. I say ok and wait. When I call back they never have any record of ordering the title. The last time I talked to them they told me the tile " appears to have been lost ''. I have asked them to take the car back and they told me that would negatively effect my credit and I would be responsible for any negative equity the car may have. At this point I have been paying for a year for a car that I can not drive. | Company believes complaint represents an opportunity for improvement to better serve consumers | FL | 33434 | null | Consent provided | Web | 2016-08-03T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-08-02T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.985183 | -0.103837 | -0.383251 | 0.166031 | Consumer Loan | Vehicle loan | Problems when you are unable to pay | null | I recently received an auto loan from subprime lender GoFinancial XX/XX/XXXX. I was hit with Identity Theft in XX/XX/XXXX and am still experiencing such, including I was hospitalized and was unable to work. I did fall behind on my payments however, I contacted them and advised of my hardships I was experiencing on top of my bank accounts being accessed and liquidated by the infiltrator. I was advised to make {$100.00} payment to avoid my car being repossessed. On XXXX XXXX, my car was picked up a month prior GoFinancial had placed my account in a charge-off status after I had explained my situation and hardships and advised I only had to make a {$100.00} payment. I paid my past due balance and picked up my car but was advised my account will remain in charge-off although there is no actually repossession. | Company believes it acted appropriately as authorized by contract or law | NC | 28262 | Servicemember | Consent provided | Web | 2016-08-04T00:00:00 | Closed with explanation | Yes | Yes | go capital holdings, llc | 0.92172 |
2016-08-04T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.96791 | -0.216157 | -0.168933 | 0.194273 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | null | Company believes the complaint is the result of a misunderstanding | GA | 30016 | null | null | Phone | 2016-08-04T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-09-14T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.977253 | -0.582468 | -0.075117 | 0.106556 | Consumer Loan | Vehicle loan | Taking out the loan or lease | null | Hi I finance a XXXX Chevy Tahoe with Go Fincial in AZ and the truck was paid in full XX/XX/2016, they have not reported truck paid I file complaint with XXXX and they have completed it saying it is correct. This is not true. | Company believes it acted appropriately as authorized by contract or law | IL | 60411 | Older American | Consent provided | Web | 2016-09-20T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-11-28T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.97496 | -0.559816 | -0.155857 | 0.086429 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | I have a car loan with GO Financial, which I had set up on auto pay. I paid my bill early using their XXXX service. The transaction went fine and my card was debited the correct amount. Upon returning to my account page, it told me the payment succeeded and that my account wo n't be charged again until XX/XX/XXXX. This morning, I find that is not the truth. They debited my checking account for the car payment a second time. You can see on my account page that this is the case. I called this morning to let them know they had billed me a second time and to ask they refund the second payment. The gentleman on the phone acknowledged he saw the two payments. He offered to apply the second payment to XXXX or as an additional payment. I told him that I wanted it refunded to me. I was then told that it would take three weeks to process my refund. When I asked for a tracking number, I was placed on hold for nearly ten minutes. The agent came back on the line now saying that I needed to provide bank statements showing that the payment had been debited, and would not give me a tracking number for my refund request. I asked to speak to the supervisor, and she told me that I needed to prove the money was debited from my account -- even though their website clearly shows both transactions. | Company believes the complaint is the result of a misunderstanding | VA | 23803 | null | Consent provided | Web | 2016-11-28T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-11-30T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.977806 | 0.154723 | -0.137013 | 0.331839 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | The issue is that my SUV ( XXXX XXXX XX/XX/XXXX, XXXX XXXX with XXXX # XXXX ), was wrecked on XX/XX/2016 and was declared a total loss. This was paid, mostly by the insurance company of the person that crashed into me. {$11000.00} was paid on XX/XX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the other part was paid by my GAP insurance. They made a payment of {$950.00} on XX/XX/2016, of which {$460.00} was for the cancelation of the warranty and {$480.00} was for the cancelation of the repairs. The grand total was {$12000.00}, which they received ; however, to this day the account [ is still open ] and they continue to charge interest as well as other fees without any reason at all. They have yet to apply the credit to pay it off and send us the surplus, which is {$780.00}. My wife and I have contacted the finance [ department ] [ unintelligible ] on countless occasions with no success since the people that assist us indicate that they can only provide the information that is in the system, namely, that the account is delinquent 65 days and that it is affecting my credit. They also indicated that they had XXXX unintelligible spelling, perhaps declined XXXX the payment. I dont understand why, since I contacted XXXX and they advised me that the check had been cashed by GO Financial. They have received the money but even so they keep raising the amount and will not apply the awarded amount to the balance of the account, which is affecting my credit. The balance on the XXXX was {$11000.00}, and they were paid {$12000.00}, which means there was an excess payment of {$780.00} that belongs to me, but I have not received it since they have not handled the account in a legal way. To date they have raised the amount of my account to {$11000.00} without any reason, because they have the money and are affecting my credit, just so they can keep all the money.
The situation is extremely important and worrisome, since they are affecting my credit and I need a vehicle. I cant purchase another XXXX till they pay off the account, send me my excess payment of {$780.00} and clear my credit. Now this situation is affecting me emotionally. | Company believes the complaint is the result of a misunderstanding | FL | 34759 | null | Consent provided | Web | 2016-12-12T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2016-12-15T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.989117 | -0.0617 | 0.206798 | 0.378071 | Debt collection | Auto | Cont'd attempts collect debt not owed | Debt is not mine | null | Company believes the complaint is the result of a misunderstanding | FL | 33312 | null | Consent not provided | Web | 2016-12-15T00:00:00 | Closed with explanation | Yes | Yes | go capital holdings, llc | 0.92172 |
2016-12-29T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.978414 | 0.574065 | -0.256971 | 0.431836 | Consumer Loan | Vehicle loan | Problems when you are unable to pay | null | I am a Veteran currently being seen by the VA for XXXX. I was unemployed for a short period of time and now have a job that only pays $ XXXX. I have fallen behind on my car payments and need the company to work with me so that I can keep the car and continue to work. | Company believes it acted appropriately as authorized by contract or law | OH | 44601 | Servicemember | Consent provided | Web | 2016-12-29T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2017-04-04T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.785711 | -0.061252 | -0.307186 | 0.139091 | Consumer Loan | Vehicle loan | Problems when you are unable to pay | null | I have a car loan through Go Financial Services in which I had been making payments on the car loan as well as staying in communication regarding any late payments. In XX/XX/2017 I made a payment of {$500.00}, {$210.00} above my normal car payment in an effort to help get caught up from a past due payment. Due to some financial difficulty, I unfortunately missed my XXXX and XXXX Payment. I called into the office on XX/XX/XXXX and was told my account had been charged off. I did not receive any correspondence or communication of any kind prior to that stating that my account was in the process of being charged off nor did I receive a charge off date. The representative in management I spoke with was a female and I explained to her that I was calling into make a payment on the car loan and that is when she stated the account was charged off and it would be {$1000.00} to pull the car out of the charge off phase and keep the car from being repossessed. This was quit disturbing being that I had no idea that the account was in this status. I told her I did n't have XXXX but had XXXX that I could pay today and asked if there was any way they could work with me to get the remaining balance paid off. She stated you can make the payment but it would n't take it out of charge off status or keep it from being repossessed. There has been no repossess notice sent out nor could she confirm one. She suggested that I see what I could come up with in addition to the {$300.00} and give them a call back today. My wife and I called and spoke to XXXX ext. XXXX today another manager in the same department who confirmed the call from yesterday and stated I would have to pay XXXX to bring the account out of the charge off department and stop the repossession request. He also stated that they would then place the account back into a repayment plan but there would be no grace period on the repayment, and should I miss XXXX payment they would reinstate the repossession on the car. I asked was there any way if I where able to pay {$500.00} on the fee today could they work with me to take care of the rest. He said no. This was disheartening being that I never received any correspondence relating a charge off pending on the loan and called in 3 days after the car was charged off. According to XXXX the car loan was charged off on Friday, XX/XX/XXXX. I shared my concern with XXXX and asked if there was a supervisor that I could speak with that might be able to help me further and he said no, and that he and the young lady I spoke with yesterday where the only XXXX individuals managing the department, there was no one else. How disappointing that they have no grace to work with individuals who are trying to present options to take care of the fee they where requesting, he stated I understand but we have policy 's that we have to go by. I asked for his information and stated that I would have to contact him back. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TX | 75052 | null | Consent provided | Web | 2017-04-04T00:00:00 | Closed with explanation | Yes | No | go capital holdings, llc | 0.92172 |
2017-06-06T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.797428 | -0.441091 | 0.19629 | 0.184209 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Problem while selling or giving up the vehicle | This has become a rather urgent matter. The responses from Go Financial have been most unacceptable and attempts to simply blow me off or to minimize this serious personal credit impacting issue. I notified them many, many, many times that the vehicle that I purchased was a lemmon. It was not only unsafe to operate, but I was completely ripped off on the predatory interest rate. I was PROMISED that they were " working on it ''. Rather, while I was led to believe that they were working to find solutions to re-capitalize the loan, adjust the rate to a fair and reasonable rate. They picked up the vehicle while I had several thousands of dollars on hand upon their FAIR, WRITTEN RESOLUTION that I NEVER got. Next, when I filed a formal complaint, they confirmed that the vehicle was worth approximately {$2500.00} while they are attempting to bill me for over {$11000.00} and later send me a XXXX for this high amount. I submit to you that Go Financial has made my case. The vehicle was not properly estimated at valuation, I have been swindled, dishonestly treated as a customer. | null | TX | XXXXX | null | Consent provided | Web | 2017-06-06T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-06-07T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.800643 | -0.267588 | 0.094085 | 0.209047 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MS | 39218 | null | Consent not provided | Web | 2017-06-07T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-07-12T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.755349 | -0.53295 | 0.305593 | 0.175997 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | The vehicle was repossessed XXXX XXXX. According to NC repossession laws, Go Financial was supposed to notify me at least five days prior to the sell of the vehicle, notifying me of the auction date, location, and time. After the vehicle was sold I was also supposed to receive post sale papers notifying me of the price the vehicle was sold. I have not received any correspondence from this company until I filed a dispute with BBB explaining the unlawful sales practices of Go Financial. I received a phone call from a representative onXX/XX/XXXXwhom verified that there were at least 3 discrepancies in the final price of the vehicle. However, Go Financial is reporting an unvalidated amount on my credit file with all three credit bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NC | 278XX | null | Consent provided | Web | 2017-07-12T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-07-21T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.825553 | 0.275227 | 0.020753 | 0.373844 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | Continuation of previous complaint : Go Financial has sent correspondence to my disputes and complaints with the credit bureaus, BBB, and CFPB. The information they sent continues to show proof of several violations and discrepancies with this invalidated debt. Go Financial states on the Redemption and reinstate form that the vehicle was repossessed on XX/XX/16, however they state on another document that it was repossessed on XX/XX/16. The notice that they are required to send me per NC law about the sell of the vehicle is dated XX/XX/16 and XX/XX/16 on another document. This notice was never received by me which suggests that it was possibly forged to serve this purpose. Per NC law they are required to notify me of the date, time and place of the sell of the vehicle if it was sold at an auction. Their letter states that I was notified that the vehicle will be sold at anytime within 10 days of the letter at a private sale, but continues to read that it was actually sold at an auction in which they never notified me of the date, time, or location -- the location on their documents only notify me of where the vehicle was being stored. Their failure to provide this information conflicts with NC State Law which decides what a creditor can and cant do. ( NCGS ) On the explanation of deficiency they lists that I owe XXXX without fees, but they are reporting a different amount on my credit report which they have never sent me a breakdown reflecting the new charges. I find this company to be in violation of my rights under the FCRA. They have failed at providing me with accurate, clear, or validated information. Even with so many discrepancies they continue to report as accurate on my credit reports after investigation. With so many discrepancies directly from them, there is no way to validate what is accurate. They have also violated the laws of NC by being unable to provide any receipts or verifiable information that they notified me specifically about the sale of the vehicle to provide me with an opportunity to attend the sale. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NC | 278XX | null | Consent provided | Web | 2017-07-21T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-08-09T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.795507 | -0.127419 | 0.244451 | 0.30418 | 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 | I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NC | 28208 | null | Consent provided | Web | 2017-08-09T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-08-09T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.823982 | -0.111846 | 0.064542 | 0.258893 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | 30012 | null | Consent not provided | Web | 2017-08-09T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-08-11T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.803341 | -0.005999 | 0.476663 | 0.424668 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was result of identity theft | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LA | 71201 | null | Consent not provided | Web | 2017-08-11T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-08-12T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.846288 | -0.24215 | -0.455498 | 0.049547 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | IL | 60621 | null | Consent not provided | Web | 2017-08-12T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-08-24T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.827122 | -0.177379 | -0.017206 | 0.210846 | 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 | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | OH | 45237 | null | Consent not provided | Web | 2017-08-24T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-09-26T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.827019 | -0.112275 | 0.064542 | 0.259762 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | FL | 33312 | null | Consent not provided | Web | 2017-09-26T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-09-28T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.813238 | -0.051996 | 0.460728 | 0.407323 | Vehicle loan or lease | Loan | Struggling to pay your loan | Denied request to lower payments | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FL | 33914 | null | null | Phone | 2017-09-28T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-09-28T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.793743 | -0.493006 | -0.025927 | 0.091603 | Vehicle loan or lease | Loan | Getting a loan or lease | Confusing or misleading advertising or marketing | I wanted to trade my car in with XXXX. They gave me an offer, but later called me to inform me that they did not have a warehouse in XXXX yet, and I would have to trade it with someone else. They assured me ( on the phone ) that I could refinance my loan with their loan servicer after I put down the large payment from my trade-in and make a few payments. I agreed, took out a loan with their servicer ( Go Financial ), bought a car with them, and sold my car elsewhere.
Months later, I asked the loan servicer how I could refinance, and they told me they DO NOT offer refinancing. Now I am stuck with a large payment each month since I could only put {$500.00} down towards the loan since I could n't trade my car with XXXX and had to wait to have my XXXX car delivered before I sold my old car so I would n't have to go without a car.
Had I known I would be stuck with this large payment each month, I would not have purchased a car from XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | AZ | 85016 | null | Consent provided | Web | 2017-09-28T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-10-18T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.831176 | -0.476273 | 0.082758 | 0.145887 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I got a car with a loan from GoFinancial in 2016 for about 16,000 roughly, and ended up surrendering the car a few months later because the transmission was going out. It seemed smooth, I signed a document that said I would n't pay anything if it sold for less than what I owed at the auction and that I would get money if someone bought it for more than I had left to pay. Thought it was all good an clear then I look on my credit report and its on both and its also on my husbands saying we owed 5,000 roughly so I call GoFinancial with the paper I had signed and they are telling me its invalid and they cant help me, so then I try to report a dispute with both of the credit bureaus and they do nothing as well. So finally I had no other way to turn so I go on our base and go to legal and thank god they are taking care of it for me and we are finally going to have this off for good this time. | null | MS | 39501 | Servicemember | Consent provided | Web | 2017-10-18T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-12-27T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.798374 | -0.45432 | 0.421605 | 0.25522 | Vehicle loan or lease | Loan | Struggling to pay your loan | Lender trying to repossess or disable the vehicle | GoFinancial stated they placed my vehicle out for repo at 63 days past due. They acknowledged that they NEVER SENT A RIGHT TO CURE LETTER. THIS IS ILLEGAL. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NC | 28210 | Servicemember | Consent provided | Web | 2017-12-27T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2017-12-27T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.814757 | -0.278792 | -0.046433 | 0.163177 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with fees charged | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GA | 30417 | null | Consent not provided | Web | 2017-12-27T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-02-14T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.714285 | -0.374476 | 0.305593 | 0.215134 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | Engine went out while still making payments | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NC | 28216 | null | Consent provided | Web | 2018-02-14T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-04-05T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.821442 | 0.306356 | 0.064542 | 0.397447 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint.
Upon checking my credit I found an item from " Go Financial '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''.
I have never done business with either Go Financial or XXXX.
Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TX | XXXXX | null | Consent provided | Web | 2018-04-05T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
2018-04-07T00:00:00 | go capital holdings, llc | 1888856D | BBG0112YVGB7 | 0.820827 | -0.175757 | 0.064542 | 0.236538 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LA | 70560 | null | Other | Web | 2018-04-07T00:00:00 | Closed with explanation | Yes | null | go capital holdings, llc | 0.92172 |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.