Consumer complaint received 2022-08-11
Company: Scott Fetzer Financial Group Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
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.

Company response to consumer: Closed with explanation