American First Finance, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
12/10/2022 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
  • GA
  • 30350
Web
I've recently disputed with XXXX on several occasions for an account named American First Finance and they've failed to investigate properly with the disputes I've been sending in to them. If they did investigate properly they would see that American First Finance has continued to say this account was verified in which it hasn't been and continue to have inaccuracies time after time. These are violations that the CFPB are not pointing out to XXXX and by law this account should have been taken off my account with XXXX by now. I intend on suing XXXX for defamation of character by not properly investigating the matter 's in which I keep disputing with them on dealing with American First Finance. After American First Finance sees this report and changes are not made legal actions will be taken against them as well because this is not my account and they continue to report this account on my credit profile. I don't have anything on my credit profile besides a secure credit card which is here to help me build credit. By keeping this account showing on my credit report as a charge off has hindered me from obtaining credit with lenders because of the inaccurate information showing on my credit report which indeed is not mines. I have a list of inaccuracies that have not been updated within 2 months of disputing. Also American First Finance can't Keep saying they updated my account properly and they have not done so. I will not be settling out of court at this point and I'm asking for punitive damages and financial compensation if American First Finance doesn't take this off my credit report as well as XXXX. I would like to paid for every inaccuracy that hasn't been updated since XX/XX/2022 If this account is not taken off my credit profile. If my account is updated properly why was interest added on to a charged off account years after it was first charged off? I have proof showing the amount they say I owed before I disputed that account on XX/XX/2022 and also I have proof showing money added to to the balance after disputing with XXXX. Interest can't be added to a charged off account if they didn't properly notify me in the contract in which I never signed because this is not my account. Also under the Truth of lending Act they were to properly notify me of any balances on the account. Being that they didn't even have the correct address for me how would they even been able to notify me of any balances they say I owe. Furthermore that much interest isn't allowed under Georgia law after 2 months from XX/XX/2022 when I first disputed this account with XXXX to the time it updated in XXXX of XXXX. If American First Finance claims it's not interest that was added to make the balance go up after 3 years then thats another violation for them not accurately reporting the correct info on my account with XXXX after me disputing this balance time after time. So which one is it, did American First finance report inaccurate information to the credit bearueas month after month about my balance or they inaccurately charged me the wrong amount of interest from XXXX of XXXX to XX/XX/2022. If they've updated to my account correctly time after time with XXXX then these inaccuracies would have been updated without me having to point them out. Another violation is how they continue to report a charge off every month in my payment history. Once an account is closed and charged off, it shouldn't show up every month in my payment history as a charge off. The date of last activity should have been the last payment made on the account by me. I have proof of this inaccuracy but every month I dispute with XXXX, American First Finance is telling XXXX they've updated my account properly. If XXXX would have thoroughly investigated and realized American First Finance is not accurately reporting this account on my credit report this account would have been removed by now because time after time it's reporting inaccurately to my credit report. This is a violation of my consumer rights. Another violation is that American First Finance is showing a address In which is different then the address in where I stayed at at the time they leased out that furniture. Ive spoken with several reps at American First Finance also and when I ask the general question on do they allow customers to pick up furniture with their own trucks from their store when leasing items that are big as couches, their answer was no if it's being leased, they said they want to ensure the furniture to be delivered to the correct address. I have all of this documented as well. That tells me that the furniture was delivered to another address and I never received those items to begin with if I had an account with them. I've shown them proof of this address and they continue to allow American First Finance report this account on my credit profile after all these violations and after all the times I've been disputing since XX/XX/2022. How does one continue to say they are accurately reporting correct to the credit bearueas about an account and every month I'm showing XXXX a different inaccuracy on my credit report from American First Finance? XXXX is ignoring these inaccuracies every month that American First Finance is reporting to them also. Something has to be done and I'm now holding the Cpfb accountable as well for not making sure XXXX is making sure American First Finance is not violation my consumer rights by allowing them to report inaccurate information on my credit profile every month. This is defamation of character on American First Finance part as well as XXXX and soon it will be Cfpbs issue as well for not penalizing XXXX for continuing to allow American First Finance to report the wrong info on my credit profile every month after disputing and showing proof. Enclosed is proof showing my address at the time they say I had an account with American First Finance, proof a balance was updated on a charge off account 3 years later with XXXX, also proof that American First Finance is showing in my payment history that it's a charge off every month basically making it seem to other creditor 's that this was a recent charge off which indeed distorts my correct score whenever I populate one. This account should have been taken off my credit report long time ago after they continue to report incorrect info on my credit report. I've never done business or signed a contract with America First Finance.
12/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • SC
  • 299XX
Web
1. AMERICAN FIRST FINANCE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with AMERICAN FIRST FINANCE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by the creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by the creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by the creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers, and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA, and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
11/24/2019 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
  • TX
  • 76039
Web Servicemember
THIS COMPLAINT IS IN REGARD TO INACCURATE INFORMATION EXISTING ON MY XXXX/XXXX XXXX CREDIT REPORT. THIS COMPLAINT IS AGAINST AMERICAN FIRST FINANCE AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. AMERICAN FIRST FINANCE provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. AMERICAN FIRST FINANCE regularly furnishes consumer credit reports to Creditors electronically. AMERICAN FIRST FINANCE is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. AMERICAN FIRST FINANCE routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified AMERICAN FIRST FINANCE at the address specified for such disputes that AMERICAN FIRST FINANCE is reporting inaccurate information concerning my consumer credit. As a victim of identity theft I expect the information in my consumer report to be accurate and my disputes taken seriously. AMERICAN FIRST FINANCE has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to AMERICAN FIRST FINANCE. AMERICAN FIRST FINANCE receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on AMERICAN FIRST FINANCE S website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, AMERICAN FIRST FINANCE, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is AMERICAN FIRST FINANCE s policy and practice only to compare the name, social security number, date of birth, and address in AMERICAN FIRST FINANCE s computer database with the information provided on ACDV forms. Where three of the four items match, AMERICAN FIRST FINANCE will report to the Consumer that it has verified the information it furnished as accurate. It is AMERICAN FIRST FINANCE s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because AMERICAN FIRST FINANCE collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, AMERICAN FIRST FINANCE s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, AMERICAN FIRST FINANCE will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, AMERICAN FIRST FINANCE continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted AMERICAN FIRST FINANCE at the address specified by AMERICAN FIRST FINANCE to dispute information furnished by AMERICAN FIRST FINANCE to a Creditor and to notify AMERICAN FIRST FINANCE that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). Under Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ) and 57b, I am able to recover all equitable and ancillary relief as it may deem appropriate in the enforcement of the FCRA, the FDCPA, and the FTC Act, including the ability to order rescission or reformation of contracts, restitution, the refund of monies paid, and disgorgement to deprive a wrongdoer of ill-gotten gain. Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes a Court to award monetary civil penalties of not more than {$2500.00} per violation for each violation of Sections 623 ( a ) ( 3 ) and 623 ( b ) of the FCRA. I want AMERICAN FIRST FINANCE to remove these inaccurate items.
12/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 12205
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AMERICAN FIRST FINANCE & BAL. {$900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/29/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75212
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AMER FST FIN bal. {$760.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 90043
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AMER FST FIN & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
11/24/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75150
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AMER FST FIN bal. {$520.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
02/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60623
Web
Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation. 15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely. 15 U.S. Code? 1692f-Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. You used symbols on envelopes which violated the law. 15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me. 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Under 15 U.S. Code 1692k - Civil liability I Demand 1,000 dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you already committed. Sincerely, XXXX XXXX
06/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30087
Web
American First Finance reported my cash purchase to XXXX credit bureau as an Installment account, CLOSED with a High Balance of {$8300.00}, which is inaccurate. Per the rental-purchase agreement, # 3 Lease Payments, it states, a customer must rent the property for a minimum of 2 months. After the initial minimum period, the customer can renew the agreement, purchase the property, or return the property. However, the day that I opened the account, the salesman, XXXX XXXX XXXX XXXX, and American First Finance Dept, all knew I was purchasing the property, using the EPO option. The last page of the agreement lists the CASH price of the property. Under # 6 Estimated Fair Market Value of the Leased Property, the property is valued at {$2200.00}, including {$69.00} delivery fee, even though it is not listed ( see last page of contract ). The Early Purchase Option ( EPO ) states, during the first 101 days the customers price would be the fair market value less 100 % of payments made, plus taxes and/fees. The EPO option expires on XX/XX/XXXX. I opened the account on XX/XX/XXXX ; I paid {$1000.00} down plus {$53.00} processing fee. Since you must allow AFF to debit your checking account for payments via ACH transfers ; I chose the bi-weekly option. A payment of {$140.00} was made to AFF on XX/XX/XXXX and another one on XX/XX/XXXX. On XX/XX/XXXX I paid the account in full in 42 days. That day I made 2 payments one for {$500.00} and another one for {$690.00}. I had to contact AFF customer service that day because each time the system gave a payoff amount and I paid that amount, another payoff amount would display ; so, I called and reported the problem. Per AFFs rent-purchase agreement, this was a CASH purchase. I have never known cash purchases being reported to credit bureaus. In addition to that, AFF is reporting inaccurate information to XXXX My initial payment on XX/XX/XXXX was {$1000.00} ; 1 ACH payment of {$140.00} on XX/XX/XXXX ; 1 ACH payment on XX/XX/XXXX, and the final payment of {$1100.00} on XX/XX/XXXX, even though AFF only debited {$1000.00} from that payment. AFF is reporting that I had a high balance of {$8300.00}, XXXX balance of {$1100.00}, scheduled amount of {$340.00} ( which is NOT in the payment schedule on page 1 of the agreement ), and a paid amount of {$210.00} ; a XXXX balance for XX/XX/XXXX with an amount paid of {$2300.00} ( {$2200.00} x 6 % sales tax ). My calculations are as follows : XX/XX/XXXX balance was {$2300.00}, and I paid {$1100.00}. XX/XX/XXXX balance was {$1100.00} with a paid amount of {$1100.00}. This results in an overpayment of {$45.00}. Then on my online account information page, AFF is reporting the account as PAID OFF, with Total Payments being {$1500.00}. Where did this figure come from? I made total payments of {$2300.00}. Lastly, under # 27 Credit Reporting and Disputes, it states : You agree that we may make inquiries concerning your credit history and standing, and we may report information concerning your rental performance under this Agreement to credit reporting agencies. Late payments, missed payments, or other defaults may be reflected in your credit report. You must send notices of disputed information related to this Agreement, including an instrument attempted to be tendered in full satisfaction, by writing to our address listed on Page 1. Nowhere in the agreement does it state American First Finance SHALL report EPO/CASH purchases to credit reporting agencies, nor does it state rentals, missed/late payments, and other defaults SHALL be reported. It states it MAY be, which means AFF decides what/who to report and what/who not to report. This is something that every customer should be made aware of before they do business with AFF, prior to signing an agreement ; and should also be included in the agreement as well. I paid the property off in FULL in 42 days, it was a cash purchase. Had I known it would show up on my credit report, I would not have done business with AFF. I should get into the habit of checking my credit report because this cash purchase has been on my credit report for almost a year with an additional 6 years before it is removed. CLOSED accounts on a credit report does not help your credit score, it hurts your credit score. AFFs reporting hurts their good customers who pay on time and is never late or miss a payment, as well as the bad customers who do not pay on time, miss payments, and default on the agreement. They treat both the same, in my opinion. I tried contacting AFF, I sent them an email on XX/XX/XXXX, but they did not respond.
10/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98201
Web Older American
I was pressured into getting financing through AMERICAN FIRST FINANCE on Friday XX/XX/XXXX. My account number with them is " Acct. XXXX ''. I had taken my auto in to be repaired at XXXX XXXX GARAGE in XXXX WA and was told I needed a new radiator. I asked the price and when it was quoted I told the person on-duty that I could not afford the approximately {$450.00} to replace it. I made clear several times that I wanted to take my vehicle home until I saved enough money for the repair. The person on duty told me that they offered financing and it might be worth finding out if I was eligible. I applied and was approved a loan for {$1400.00}. Later I was told the radiator was replaced, but I also needed a new water pump. I was quoted a price slightly over {$500.00}. Again, I told the person on duty that I simply could not afford it and the repairs would end up costing more than I had paid for the car. The person at the garage kept pressuring me to have the work done. I kept resisting. He kept pressuring me. This took place over at least XXXX minutes. Finally he reminded me I had enough financing to cover it. I asked what the financing charge would be and he said " it depends on your credit ''. Both my XXXX and XXXX scores were above XXXX. Eventually he wore me down and I saw no other option since I need a vehicle for work. There was no actual finance rates given to me until I returned to pick up my vehicle and found the finance charge on the contract would be 144 %. Yes, 144 %. I would have NEVER agreed to this because the charge for the work was {$1000.00} and the interest will be over {$1500.00}. My total bill will be over {$2500.00} and over half of it is in finance charges! By the time I saw the contract and it's usurious rate it was too late. All of the work had been finished and I had no other way to pay the garage. I suspect this is sort of a " bait and switch '' tactic the financial company may have in conjunction with garage. Perhaps they agree to get the shops to pressure and pressure customers to take out financing without telling the outrageous percentage rate, then doing the work and leaving the consumer with no choice but to use your financing at it's outrageous percentage rate. I was told my percentage would be based on my credit. My credit score ( before XXXX points being taken off of it because of applying for financing with AMERICAN FINANCE ) was over XXXX on both XXXX and XXXX. The finance reporting agency they used ( that I've never heard of ) was " XXXX XXXX XXXX. They gave me a score of XXXX ... well below my legitimate scores. The reasons given were " Not long enough at residence ''. I have lived at the same address almost XXXX years. I have owned XXXX home before this. " Not having the same phone number long enough '' I have had this phone number for at least XXXX years, and had my previous number for over XXXX years! " Not a resident long enough '' I am an American by birth and I have been a resident of the state of Washington since my birth in XXXX. I'm not sure there is any legal action I can take-I 'm sure these companies have done everything they can to make those they rip-off unable to fight their terms ... .and I expect the kickback to the garage makes sure their butts are also covered. Whether I actually have any legal recourse all I can say is these companies ( XXXXXXXX XXXX GARAGE of XXXX WA. AMERICAN FIRST FINANCEand XXXX XXXX XXXX ) have probably done everything to skirt the law, and put enormous pressure on me ( and others ) to get themselves into a precarious financial position. I contacted XXXX XXXX XXXXXXXX who are named in my contract as offering a score. I spoke with them and asked their representative for a written explanation of their process of arriving at scores. Their phone representative was incredibly evasive and gave me several circular " answers '' that were not answers at all. I asked to get written documentation at how they arrive at numbers The representative told me to write another party they seem to be connected with called XXXX XXXX XXXX in XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I will write them, but based on my entire experience I don't expect a satisfactory answer. XXXX XXXX XXXX XXXX XXXX. XXXX WA XXXX
01/09/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93304
Web
This complaint is regarding my credit report. Back in XXXX, I began trying to resolve my past debt with creditors and collectors who I had defaulted with the last couple of years. So far, I've been very successful in resolving most of my debt. I am down tot the last 2 accounts, but I ran into a brick wall with one of these creditors. Back on XX/XX/XXXX, I called American First Financial to try and negotiate an account that was past due. My credit report said that the account was originally for {$370.00} and that I currently owed and was past due {$330.00}. I figured no problem. Surely American First would be willing to negotiate on this balance. Truth be told, they were willing to negotiate. When I spoke to them however, I was told that the balance was {$740.00}! Because I stopped paying less than a year and a half ago, I thought the amount was outrageous. I understand there is interest on accounts that go into default, but for the balance to be more than double what the credit report says I owed sounded absurd. During the conversation with American First Financial on XX/XX/XXXX, I began asking questions. What I heard just kept getting worse and worse. Besides being told that the balance was far more than what the credit report said I owed, the representative I was speaking to said that all the numbers on the credit report were wrong. The representative told me that the original balance on the account was {$410.00}. I had to do a double check on the credit report I received on XX/XX/2018 and sure enough, the original balance reflecting on the report was only {$370.00} and not {$410.00}. Since there were so many discrepancies I decided to ask if it was even the same account we were speaking about. The representative confirmed it was. I offered a settlement based on what the report said originally but the representative refused. She said that thy would accept a settlement but only for half of the balance they had. At the time, that was {$370.00}. The conversation with American First Financial really upset me. Offering me a settlement of {$370.00} on a balance which the report said was {$330.00} owed was almost like a slap in the face. I began asking why they were misreporting the account and the representative began arguing with me. I know I owe money to them, and I had every intention in coming to an agreement with them, but this company is taking advantage of me without remorse. Just because I owe money does not mean that American First Financial gets to misreport information on the credit report. And truth be told, I don't think they are really misreporting.I think I am being swindled out of several hundred dollars. I did everything I could to have American First Financial listen to reason or come to a better settlement offer considering the balance being reported to no avail. I even tried disputing the account with the credit bureaus and it came back as verified even though it was impossible to verify the balance was only {$330.00} when I am being told I owe {$740.00}. Which one was it? Is it really {$740.00} in which case either the credit bureaus are lying to me in that they completed an investigation or is American First Financial committing fraud by reporting and verifying the correct balance of {$330.00} to the credit bureaus but is then trying to extort me for more money when I speak to them? I don't know what to do. I would like to work out a deal with American First Financial, but I also don't want to be taken advantage of. Also, American First Financial should not be allowed to break the law in misreporting or verifying false information on the credit report. That is against the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am asking that regardless of what happens with my deals with American First Financial, they remove the account from my credit report for the mishandling and misreporting of this account. To prove this, I am sending you a copy of the report given to me on XX/XX/XXXX as well as a report I just pulled today on XX/XX/XXXX. Thank you for your assistance on this matter.
09/19/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60409
Web
I contacted the CFPB on XX/XX/XXXX regarding an account i have with American First Finance. Once my complaint was forwarded to American First Finance. I received a phone call from a representivie by the name of XXXX on XX/XX/XXXX who told me about the Fresh Start program that the company offered I agreed to this program on XX/XX/XXXX because I understood and I asked the rep several times would this removed the late payments and the answer was yes, XX/XX/XXXX The comapny had informed the CFPB that i was offered the Fresh Start Program AND THAT I WAS PERFORMING WELL. that statement was misleasing on how the program was going considering we we were only 3 days into the program once it got started. After the start of the program I contacted American First finance to give me something in writing to send to XXXX. I was told several times that they would. eventually I received a email XX/XX/XXXX from American First to send to XXXX it only stated that i was in a Frseh Start Program and showed a balance of {$680.00} Next due date of XX/XX/XXXX and a Maturity date of XX/XX/XXXX. Then eventually I was told that the late payments would not be removed. Removal of the late payments was why i agreed to the program. I asked American First Finance to send me something in writing explaining what the Fresh Start Program is and what it was suppose to accomplish and I waas informed that they would not do that. In moving forward i called several times to see what we could do to fix this account because it had severly damaged my credit. I eventually communicated with two suoervisors the first was XXXX XXXX on XX/XX/XXXX and i explained that i felt i was misled led about this program and i wanted the company to cease to take money out of my account and he agreed to do so. I called American First back XX/XX/XXXX resason money was still being taken out of my account I talked to XXXX again He told me the money would be refunded and he would make no more drafts would be taken out of my account. The following week it did. I eventually talked to another supervisor XXXX XXXX and he eventually returned most of the money that was taken out of my account. XXXX XXXX was very helpful he did listen to what I had to say and he went over my account with me even though i explained to XXXX XXXX that the reason I agreed to the Fresh Start Program was the removal of the late payments and if there was anything we could do to fix this account. I was informed that the late payments would not be removed we came to no agreement with the account. I called American First Finance XX/XX/XXXX I spoke to a representitive by the name of XXXX. I was asked would I like to restart the Fresh Start Program I said no for 3 reasons. 1. I couldnt get it in writing. 2. It wouldnt help the status of my acccount. 3. All the information about this account that they are reporting to XXXX is not correct. I asked to see what we could do with some type of settlement to keep the account from charging off. I was quoted a pyment of {$720.00} and it would be due by XX/XX/XXXX. I offered {$650.00} was told no I said ok I would call XXXX the super visor the following Monday which was XX/XX/XXXX. I talked with XXXX he told me he saw the notes and i asked if they would take the {$650.00} or atleast take the {$680.00} which was the amount of the Fresh Start Program i was told no i said ok even though I dont agree with this I would pay the {$720.00} If the comapany can send me something in writing. I was told that it would be sent out that day. Today is XX/XX/XXXX not only have I not recieve anything in writing I called the company XX/XX/XXXX to inform them that i had not received the letter stating the terms of the payoff. The representitive told me that she did not see any notes in the system about the payoff and she offered me a settlement of a different amount. I told her no because I already made an agreement. This company have communication issues from within which effects consumers such as myself in a negative way.
05/30/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MO
  • 63135
Web
The loan with American First Finance was started XX/XX/XXXX. I had a late payment on XXXX occasions in XXXX and XXXX and had arrangements to pay. They still called my place of employment for payment before the agreement date came. I called the main office and asked them to not call my job and reminded them they have my cell and home number and should use those. I was told they use an automated dialer and they would take measures to see that this shouldn't happen again. The same thing happened with the XXXX payment agreement. I again called and asked them to remove my work number because when they call they just ask for "XXXX" as though they are a friend or family member. I was told they would note not to call my employer. There came a time when I missed another payment and they started calling my job again several times a day. I explained I only work XXXX day a week at most and if I am not home to take the call they call my employer. On XX/XX/XXXX I received a text message saying my account was eligible for loan rehab. I spoke with representatives every day for the next few weeks who told me they would send me an email with the details of the rehab program, I explained that each person before them promised to send the email but I have never received it. I spoke with someone named XXXX later in XXXX who stated she would personally be handling my case from now on and she also never sent the email. Now I am getting calls many times a day and usually speak with XXXX people a day who say they will send the email. There was one occasion when they called my job in XXXX and I explained I was at work, a XXXX used her "XXXX" so i had to answer it. I asked the rep if I could call them back when I went on break. She continued to talk to me about my late payment. My superior was sitting near me and told me I can't have calls that disrupt my job like that and someone calls me daily at work and this had to stop. On XXXX I was at work and they called again. I asked the rep if my work number has a note or something showing they should not be calling and she stated "no" but she would be removing it from the system. I got calls XXXX @ XXXX, XXXX, XXXX. On XXXX @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, On XXXX @XXXX, XXXX, XXXX. These are just the times from the most recent calls. There have been days when I speak with at least XXXX people in one day. XXXX I spoke with XXXX who informed me they don't have the loan rehab program and now they have a "fresh start" program which just starts the loan all over again. They have the loan rehab details in writing but she won't send me that because it won't help me (and they don't offer that anymore) I have to use the the fresh start and for that program they have nothing in writing. She also stated that my work number shows up in red but it is still on my account. There seems to be a lot of misinformation coming from this company I've offered to make arrangements that I know I can keep but that is not acceptable to them. My working depends on the amount of XXXX and recently it has been sparse. I ask for things in writing now since I see it is a practice of them to just say anything to get you to make a payment with no thought as to how they are treating their customers. I have written them via email to make them aware I am seeking advice and help and also to report their actions. I have also been told to speak with the store to see if they would take the merchandise back and they would remove the loan. this was also untrue as the store doesn't do refunds. Do they not know the policy of the merchants they deal with or was this just another lie i was being told?
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 76001
Web
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number in the supporting document attached Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
02/07/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95822
Web
i have had this account with this furniture store since XX/XX/XXXX. this is my 3rd account with them, the other 2 have already been paid off. I have been on a auto-pay direct monthly payments coming directly out of my checking account. Scheduled payments coming out the last day of each month. I called the company in XX/XX/2017 and requested to postpone the last and final payment scheduledXX/XX/XXXX, until the last day ofXX/XX/2018, of which they verbally agreed to do so over the phone. on XX/XX/XXXX, i start getting phone calls from them saying they have not received final payment, that my debit card was not working. I told the girl that whatever debit card they have on file for me was no longer valid, and asked her if they didn't have my direct checking acct info on file, since they were taking monthly payments out all this time? she responded, " yes, they did '', and i asked her to repeat my checking account info back to me ( to make sure she had the correct info ), of which she did. at that time, i gave her my permission to process and post the final payment for {$170.00}. That was the end of that ( so i thought! ), until i started getting calls the next day, friday, XX/XX/XXXX, from them stating that i owe them a payment of {$400.00} plus, I told them I did not owe that much, then they said I owed {$300.00} plus, I told them " no '', then they said I owed {$200.00} plus, again I said, " no I don't! This i did not understand, they totally sound like crooks! I called my bank, to see if there was a payment in the amt of {$170.00} taken from my checking acct ( of which there wasn't )! I called them back & tried to explain to them what transpired the day before, and that i didn't understand what went wrong?! they kept insisting that i owe more money. i told them i didn't. all throughout the day, they kept calling, at least 10 times, harassing me about the payment. I told them to stop calling and harassing me and that I was going to call my attorney and report them. Finally, i told a young man named XXXX on friday evening ( XX/XX/XXXX ) on the phone that I only owed {$170.00}, but he insisted that i owed more, in the amount of over {$200.00}.! each person that called me throughout the day on XX/XX/XXXX, to harass me, gave me different amounts that they said I owed, so ridiculous! The harassing phone calls kept persisting, calling me continuously! on monday, XX/XX/XXXX, i spoke to a supervisor who threatened me that he was going to report me as 67 days delinquent on my account and that i owed in the amount of over {$200.00}! At that i told him that I was going to call my attorney and to stop calling me! As i look at my contract, i see that my last and final payment was only to be {$170.00}, not {$170.00}. They have all this information of the conversation that transpired between myself and a customer rep back in XXXX and the verbal agreement that was made. I have no idea why they did not try to take the payment out of my checking account, like they had done since the beginning of the contract. Now they are trying to extort more money from me than I owe and have threatened to report me as " delinquent '' to the credit bureau. This is All their fault in the first place! I have nothing to do with their " mistakes ''. By the way ... they have tried in the past, with my last 2 accounts with them, to extort more money out of me than was actually owed, for the last payment, saying I owed more than I really did, but i refused to allow this nonsense and they stopped when they saw, I would not go along with it! They are crooks!
03/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NC
  • 28144
Web Older American, Servicemember
On XX/XX/2023 a person who stole my identity ( obtained from recent hacking of a major credit bureau or former employer 's H.R. data ) applied on line to " XXXX '' to purchase tires & wheels and requested financing from American First Finance LLC ( a finance company XXXX has a business relationship with ). XXXX sent the identity thief 's application for financing to American First Finance. The identity thief is applying with my personal information, email address, social security number, birthdate, my name. The one piece of information connected to the real me is my phone number. The imposter is supplying a different phone number to XXXX. I contacted XXXX and ask them to deny applications from me or someone who may be impersonating me unless I or the impersonator can supply a notarized ID affidavit and supporting documents, copy of driver 's license ( state ID ) and Social Security Card. Their Customer Service Representative said she can not do that. I asked her to contact a manager or the owner, XXXX XXXX, to add this ability to protect consumers from identity thieves. Also when I asked for the phone number supplied on the on-line application the CSR/XXXX would not provide it to me. It was not clear if the application for credit supplied to American First Finance included the identity thief 's supplied phone number. Note : If this tire/wheel purchase was being picked up and installed at a specific garage, such as XXXX XXXX, this was not provided to me either. ( The phone Number and address of the business supplying and installing the tires canhelp in identifying the identity thief 's location and assist law enforcement ) I contacted American First Finance by the phone number they provided in a letter to me rejecting the application for financing. I also provided the account number, XXXX, to their automated system but it could not find the account number. But it connected me with a XXXX Agent. I asked him specifically if the application supplied to them by XXXX included the applicant 's phone number and if so was it different from the phone number I was contacting them on - ( XXXX ) XXXX. He said that tireAgent had not supplied the applicant 's phone number. Only XXXX 's phone number was provided. He then said he had to transfer me to their fraud department/specialist to " assist me '. XXXX would not assist me and was argumentative. He claimed that the application from XXXX did include their customer 's phone number, but even though I had all the other personal information about myself he refused to provide me with the phone number provided. ( Again critical in identifying the identity thief and working with law enforcement and It investigators ). He wanted to refer me to XXXX and not the sub-prime credit bureau it relied on and/or requested a report from - XXXX XXXX XXXX I asked XXXX to submit a police report to my police department with the details - identity thief 's supplied phone number- so they can start an investigation and/or request assistance from the North Carolina Bureau of Investigation that has a computer crimes division with IT specialist. American First Finance will submit a police report to assist consumers and the public protect their identity from hackers and identity thieves by helping get them prosecuted which will discourage other criminals from copying them.
04/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WA
  • XXXXX
Web
I had a loan that was a lease for furniture through American First Finance, a company I had used before and paid off in the 90 day window for an early payoff - free of additional charges. I could take the loan for 18 months at an extremely high interest rate or I could pay it off in 90 days, as before. The first week of XX/XX/2019, I asked for an accounting of payments, including my loan origination payment which was XX/XX/2019. It showed a prior payment but it was for a loan that did not get approved as I chose different furniture. Those payments show they were voided and my new contract started XX/XX/XXXX when the loan proceeds were paid out. I had paid roughly {$350.00} on my account and should have owed just over XXXX. But after all three payments, it showed I still owed {$1000.00}. Part of even that was disputed as I was charged {$200.00} to scotch guard a couch I never bought ( there was supposed to be a {$150.00} adjustment but never was ). Either way, I wanted to pay off the loan. On XX/XX/XXXX, approximately ten days before the 90 day payoff window ended, they told me I could not pay off the loan that I had to carry it out for 18 months. I only took at the lease/loan because I had the 90 day option to pay it off. It was the same option I had with them last time that I had no problem paying off. I didn't get anywhere on the phone so I told them I wanted everything in writing so I'd have a record. I was told that would take 48 hours - yet there was never a response. The on the same day, they sent me a text threatening to send me to collections. Since my payment is due at the end of the month, this made no sense. I then got a message telling me to disregard. Finally I got a guy on the phone and explained that this isn't what I signed up for. He was very smug and told me " you owe us and you signed a contract ''. I explained that I signed a contract with a 90 day option. They said they re-wrote the contract to reflect a change in the purchase price and that my signature ( which is not really my signature but a font that mimics a signature ) was on file and I was obligated. In other words, they re-did the paperwork without my presence and changed the terms. They have never provided me with a copy of this modified contract, other than the accounting form that shows the loan origination on XX/XX/2019. All of this has gone too far. When someone can change my signature by using a stock font and tell me I agreed to something different, that is theft - because there is no way I would have agreed to that - nor did I allow any of their employees to sign on my behalf to any modified terms. I've done business with them before and this is not how things were - at all. Now I am being threatened because I want to pay it off in my 90 day window ... and they of course, would like for me to make 18 months of payments so instead of paying just over {$1000.00}, I would be paying {$2700.00} - almost three times as much. I plan to file a formal complaint with the Washington State Attorney General if this continues. I should also note that they were not allowed to debit my bank account, but did so anyway.
03/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33064
Web
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Florida XXXXXXXX in XX/XX/XXXX. They arranged financing for me in the amount of {$2000.00} through American First XXXX. I was told that the loan was interest free if I paid off the loan by the end of XX/XX/XXXX. I never received any paperwork from either XXXX XXXX or American First XXXX On XXXX XXXX, XXXX American First debited my bank account for {$31.00} and then {$160.00} every two weeks beginning XXXX XXXX, XXXX. I made the eleventh installment of {$160.00} today XX/XX/XXXX. I had a motorcycle accident on XX/XX/XXXX and was in the hospital for two weeks with multiple XXXX, and had XXXX to put my XXXX back together. The motorcycle exploded and does not exist anymore. Doesn't matter. If I wasn't wearing a helmet I wouldn't be alive to write this so I am grateful to God for that. Needless to say I missed the interest free deadline.and when I went on the American First Website in XX/XX/XXXX to pay off my loan I was sure what I was seeing was a mistake! They said I owed {$4700.00}! When I emailed them that is when I first saw a copy of the loan agreement! I totally expected to have to pay all the back interest for the interest free period but never did anyone ever communicate the how the terms of the loan would impact me if the loan was not paid before the interest free period expired! They sent me the loan agreement on XX/XX/XXXX in response to my email inquiry regarding paying off the loan. XXXX XXXX and American First XXXX give a whole new meaning to the words UNFAIR AND DECEPTIVE!!! When I called American First XXXX after receiving the paperwork on the loan agreement they had the nerve to offer me a payoff amount of {$3700.00}!!! PLEASE tell me that you can help me! I of course am willing to pay my fair share of the remainder of the {$2000.00} loan ( approx. {$250.00}. plus interest for the borrowing period XX/XX/XXXX - XX/XX/XXXX ) but if they are not willing to accept what SHOULD be fair and legal there is nothing else I can do except default and allow them to tank the credit score I have been working so hard to improve! Can you please help me? I checked with the XXXX XXXX XXXX and they show 821 complaints in the last three years against American First XXXX! The complaints are all like mine and the response from American First XXXX is always the same generic response... .. '' sorry you agreed to this " ... ... ... .but I did NOT agree to this ... ... .they NEVER communicated anything like this until I emailed and called them! I had no idea! XXXX XXXXXXXX made the loan process as easy as click here and click there and the only contact American First XXXX ever made to me was to debit my bank account. I am sincerely hoping that there is a law against this type of FRAUDULENT, UNFAIR, AND DECEPTIVE TRICKERY! All of the people at these businesses need to start praying that God shows mercy on their souls when their time comes. How many financial lives have they destroyed.? Please tell me that you can help me! Sincerely, XXXX
01/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 653XX
Web Servicemember
My wife and I purchased furniture durning a veterans day sale in XX/XX/XXXX and received discount d/t me being in the military. We purchased the furniture for less than {$2300.00} and was told we can pay it off in six months with no interest if we didn't pay it off we will have interest applied we recieved no contract from the store or any information on the interest that would be applied. I received a call from the finace company American First and they told me that I only had 3 months w/o any interest and if we didn't pay in that time interest would be applied ; they did not disclose the interest rate to me at that time either. We made ontime payments of XXXX every two weeks. I called in XX/XX/XXXX to find out when my last payment would be because I had already paid XXXX and they told me that we still owed over {$2000.00} ; when I asked why they said " fees and interest '' ; I was so confused and upset I hung up with them. I again called in late XXXX to find out how much more I owed and they told us {$1700.00} ; only {$370.00} less than what I owed in XXXX after I continued to make on time payments of XXXX every two weeks. When asked them what is going on they again said fees and interest we stayed on the phone and demanded answers they said that I am being charged an interest rate of 124. %. We were confused and asked to talk with a manager and explained that we have already paid double of what we purchased the furniture for. When we told them that the interest rate was never discussed the manager XXXX said she called and talked with me about the interest rate and it was on recording we asked to listen to the tape as it was never discussed and we never received a contract disclosing the interest rate she refused to let us hear the recording and said " I let you know that interest will be applied if not paid in three months and asked if you have questions '' I asked " so you didn't disclose the interest rate at that time and have not provided me with a contract '' she said " I asked you if you had questions ''. We asked to have a contract sent to us by email and gave her our email address and she continued to get it wrong and said she sent it out but never received as she kept getting the email wrong. A couple days later we received an email from them only giving us a reciept of what we paid ; still to this day we have not recieved a contract ; we emailed them asking for it and called once more. I got in touch with a paraleagal who told me that I should check into the Military Lending Act as lenders are not supposed to charge service members more than 36 % when I found this website. I am trying to sign up for deployment and need this resolved before I go so my wife isn't left to deal with it while I'm away. Please find attached my account with American First, transactions from my bank account showing ontime payments, and the email they sent that was not the contract we requested but a transaction list.
05/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 984XX
Web Servicemember
I financed a couch and recliner from XXXX XXXX XXXX XXXX back on XX/XX/XXXX with American First Finance for roughly {$1600.00}. They offered a XXXX days same as cash option for paying off the items. My payment was XXXX dollars twice a month. I made my payments every month. Once the XXXX days were up, they applied the 136 % interest rate from the original date of purchase which took the XXXX dollars I had paid and applied roughly XXXX dollars in interest showing I had only paid XXXX dollars. As of this day XX/XX/XXXX, I have made another XXXX dollars in payments and my payoff is still {$1500.00}. Being a current XXXX XXXX service member I understand what protections I have. Ive also had an account with American First Finance before. Although it took roughly 6 months to get my interest fixed the first time, it eventually was. This time is different however. Since the end of XXXX I have been trying to get them to fix my interest rate. I have explained to them under the Military Lending Act, XXXX XXXX service members are not allowed to be charged more then 36 % interest. Every time I call I get told that my account will be escalated to the back office and I will receive a phone call in 48 hrs, this never happens. I was then told I needed to email proof that I was in the military to XXXX. So I did what I did with my previous account and emailed a copy of my most recent XXXX ( paystub ). Roughly two weeks later I received a phone call from someone who claim to be a supervisor saying they needed a copy of my enlistment contract. I told him that it wasnt needed last time and its not needed this time. At no point could he explain to me why they needed a copy of my enlistment contract when I explained to him Ive already sent a copy of my current XXXX which shows Im still in. He then decided to get rude and say I was refusing to work with American first finance. I said that was wrong and I would be happy to talk to someone who actually handles the accounts. Was suppose to get a call in 48hrs and I never did. As of today, XX/XX/XXXX, I spoke with a representative who informed me that I dont meet the criteria for the SCRA. I explained to her that charging the interest rate they are isnt a violation of the SCRA as I acquired the debt after I was already in service but a violation of the MLA ( military lending act ). She put me on hold and then came back and said that they dont follow the MLA. So I asked her how they couldnt follow a federal law? She didnt have an answer. I asked to speak to a supervisor and she refused to connect me with one and gave me the same answer as stating she would escalate my account to upper management. This company is based out of XXXX, TX.
11/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 78504
Web
On XX/XX/21 I applied for credit at a furniture store that used American First Finance for financing. The items as advertised by the store online and in store totaled {$600.00}. I was informed by the salesman that it was a weekly payment program, there was a {$50.00} loan origination fee and that I had the OPTION to pay off the loan in full before XXXX days. After XXXX days there was " additional fees '' but did not go into detail on how much those fees were. I was told the payments would continue until the merchandise was paid off. I was told I would receive a copy of my credit application and contract by e-mail ( I never did ) and that payments would begin weekly on XX/XX/21. When I picked up the merchandise I was only provided a receipt that showed a price of {$600.00}. All weekly payments were withdrawn automatically from my bank account beginning XX/XX/21. On XX/XX/21 I received an e-mail that another payment had been withdrawn. At this point, a total of {$730.00} had been withdrawn. That seemed sufficient enough to pay off the {$600.00}, the {$50.00} loan origination fee and any sales tax. I logged in to my XXXX account ( Account XXXX ) to see what the balance was as I expected some " additional fees '' and to my surprise the account showed a balance of {$490.00}. I quickly got in touch with customer service to inquire why this amount was so large and was told that since I did not exercise the early payoff option, my payments would continue weekly until I satisfied the entire {$490.00} balance or I could pay the {$490.00} in full today. I requested a copy of the contract and did receive it this time. This contract reflected that the total of my merchandise was $ XXXX. A nearly XXXX % increase of what I was originally informed of. When I explained this to customer service, I was informed that they could " settle my balance '' for {$350.00}. When I stated that was still way too much, they came back and offered a {$300.00} " settlement '' that would be due in XXXX days, at which point my account would be closed out. I do not agree with this shady bait and switch practice of a store informing a customer their balance is one price and once American First Finance has the customer 's financial information, the actual price of over XXXX XXXX more is then revealed. I have decent credit and had I used a credit card instead, I would have not paid anywhere near XXXX XXXX in interest. I trusted that this store ( which was previously XXXX ), offered financing that was in line with other installment furniture loans I have had in the past. American First Finance is a highly disappointing company and I will never finance any item with them again.
04/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27610
Web
AMERICAN FIRST AND PARENT COMPANY is trying to collect on a alleged debt despite not creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. stand company has not provided consumer with official treasury forms filed under consumer social number as described by congress as an credit card. CONSUMER REPORTING AGENCY XXXX HARD INQUIRES SHOWS PROOF CONSUMER CREDIT WAS PULLED. WHICH BY THE RULES GOVERN SAID COMPANY UNDER THE FCRA, FTC, AND 16 CFR 433.1, 16 CFR 433.2 AND 16 CFR 433.3 COMPANY IS BOUND TO FOLLOW ALL GUIDELINE WHEN OFFER RETAIL INSTALLMENT AGREEMENTS PER THE CONTRACT AS AN CONSUMER MY RIGHTS CAN BE AEERTED AT ANY TIME. AS FOR THE 1099C, 1099OID, 1099A THAT SAID COMPANY HAS FILED WITH TREASURY DEPARTMENT UNDER THE RULES OF THE 1099C COMPANY MUST PROVIDE CONSUMER WITH AN COPY FOR ACCURATE IRS REPORTING FOR ANY DEBT OVER XXXX. SAID COMPANY IS NOT FILING THE PROPER TAXES WITH IRS WHICH IS FRAUD. DUE TO COMPANIES UNCOMPLAINCE CONSUMER HAS FILE FORM 211 ALONG WITH OTHER APPLICABLE OMB IRS FORMS UNDER FILING IRS NUMBER XXXX WITH THE TREASURY TO AUDIT CONSUMERS ACCOUNT TO MAKE SURE ACCURATE REPORTING AND TAXES ARE RENDERED PER THE SECURITY AGREEMENT SIGNED UNDER XXXX XXXX ( PARENT COMPANY ) WITH THE SECURITY EXCHANGE COMMISSION ALONG WITH ALL OMB IRS FORMS NEEDED TO CONDUCT AN AUDIT ON CONSUMER ACCOUNT. SAID COMPANY HAS ALSO SECURITIZED CONSUMERS PROMISSORY NOTE UNDER PARENT COMPANY XXXX XXXX WITH TRADING SYMBOL XXXX ACCORDING TO XXXX FILING USING XXXX XXXX AS INDENTURE TRUSTEE OVER SAID SECURITIES YET HAVE NOT CREDITED CONSUMERS ACCOUNTS ACCURATLEY. DUE TO THE RECENT CHANGE IN CONSUMER LAWS PLEASE SERVE THIS AS NOTICE THAT UPON A VALID PROOF OF CLAIM NOTARIZED UNDER PENTALY OF PERJURY CONSUMER REFUSE TO REMIT ANY FUNDS UNTIL ALL DOCUMENTARY EVIDENCE OF THE ACCOUNTING ON THE PUBLIC AND PRIVATE SIDE OF CONSUMERS ACCOUNT. SAID COMAPANY IS ALSO IN VIOLATION OF THE TERMS IN CONDTIONS OUTLNED ON THEIR WEBSITE FOR CONSUMER PRIVACY. TERMS STATE CONSUMERS ACCOUNT INFORMATION WILL NOT BE PROVIDED TO NON AFFLIFATES OF SAID AMERICAN FIRST AND ALL SUBSIDARY COMPANIES UNDER THE PARENT COMPANY XXXX XXXX. XXXX IS NOT AN AFFIFLATE OF AMERICAN FIRST AND HAS VIOLATED ITS AGREEMENT. FEDERAL CIVIL COMPLAINT HAS BEEN FILED AND SENT REGISTERED MAIL TO PARENT COMPANY AND XXXXXXXX TRUSTEE XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CONSUMER IS DISPUTING UNDER BILLING ERROR XXXX. SAID COMPANY MUST IMMEDIATELY STOP ANY REPORTING UNTIL SAID COMPANY PROVIDE ALL INFORMATION UNDER THE PENALTY OF PERJURY FOR DOCUMENTATION
02/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 28304
Web
Applied for a loan online to finance some household appliances. In the initial process, I was asked how frequently I get paid as well as debit card info. Once I get to the store to purchase appliances, I find out that the account was set up on weekly payments being drafted out of my checking account, none of which was authorized at this point. We also find out that we would not be receiving the documents in person, but rather through XXXX. In signing the documents, we were then told that there was two options on payment amount, one being for {$62.00} or option two at {$56.00} per week. The {$56.00} payment was without a limited waiver thing, to which we declined. The lady then told us we didn't have that option and I must sign to continue with paperwork. However on my contract it does present as an option. Also stated in the paperwork, is that the first payment would NOT be drafted until XX/XX/XXXX. The lady at store told us payments would be drafted on Fridays starting in XXXX. I called the customer service last night to try and change the payment due date from Friday to Saturday and found out ... they had a payment scheduled to come out XX/XX/XXXX, which is a Wednesday and XX/XX/XXXX is also a Wednesday. In calling customer service we found out the payment was set to come out in XXXX, which I knew nothing about because according to my contract sent to me via email, my payments wouldn't start till XXXX ( Still not on the day I was told in store ). In applying for the credit line, I also was never given an option on how to make payments or how often they would be due. The authorize things on their end NOT authorized by the consumer paying. XX/XX/XXXX I logged into the account online and found that they are planning on now taking a payment XX/XX/XXXX which is NOT authorized either. As stated on my contract first payment is not set to come out till XXXX. I also researched the company to find 606 complaints on the XXXX XXXX XXXX site of customers with the same complaints. I also read in the complaints that they will take random payments and as many payments as they want. As of right now I have NOT authorized anything to be drafted out of my account for the month of XXXX. Please advise what I can do about this and how to handle my bank to make sure I do not incur over draft fees because of a company who is getting away with taking payments UNAUTHROIZED out of consumer accounts. I also have documents supporting my claims. Also none of the information that was on my contract matched anything they had in their computer. We had to have them change the information from their computer to match the contract that I signed and was emailed to me.
08/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95818
Web Servicemember
XX/XX/XXXX I opted to purchase a set of wheel and tires from XXXX XXXX XXXX XXXX, located in XXXX, Ca using their finance services through American First Finance. I paid {$800.00} upfront on an invoice of {$22000.00}. The only documentation received was the receipt and work order, no written terms or conditions for the loan ; the salesperson stated I would be contacted with the details. I thought nothing of it since I planned on paying it off within the month. The purchase was to ensure my vehicle was properly functioning for a work related cross country trip, from California to Maryland, over 2 month duration. Upon my arrival to Maryland, I contacted my bank to establish automatic electronic payment, it was then I noticed one was already set-up to be paid to American First Finance. To ensure the details I called American First. I inquired if the amount would cover the entire amount and payoff in time, the technician assured me it would. I thought nothing further. In early XXXX I noticed the funds were still being withdrawn from my account, I wasn't alarmed at that point, I assumed I would be refunded the difference. At this juncture I paid {$1700.00} on a beginning balance of {$1400.00}. I contacted American First, again not alarmed because I believed I would received a refund of the {$260.00} that was overpaid ; when discussing with the American First representative stated that I owed them based on past due. How can this be?? It was then the actual interest rate was divulged, $ 140 %. I was aghast. I stopped payment with my bank. I attempted to rectify with American First on numerous occasions, with the same result that I owed them. The only issues rectified, I was told that all further customers using this vendor would receive the finance details upfront, unlike myself. After more attempts to rectify with American First along with complaints to the Better Business Bureau, I still have the demand for payment, now at over {$1700.00} and an unfavorable credit report. As a Contracting Officer for the federal government I am thoroughly familiar with terms and conditions along with compounded interest rates. As a consumer I would have never accepted this credit line knowing the details if provided upfront. I was also dismayed their representative deceived me by stating the electronic payment amount would suffice in paying off the loan within the required 100 days in order to avoid interest. I have attached the receipt and work order, the only documents provided me when making the purchase. I was finally provided the details of interest during the Spring of XXXX, almost 6 months after the purchase.
10/03/2017 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85022
Web
Hello my name is XXXX XXXX. Account with American first Finance # XXXX. Two weeks ago I called XXXX XXXX XXXX to tell them I would not be able to do my payment of XXXX on the XX/XX/XXXX, so I moved my payment for XX/XX/XXXX. I told the agent I spoke to that I would do my payment by myself and told her I would be able to MAYBE do a double payment I was not sure. She asked me If I wanted this payment to be automatically drawn from my account I said NO specifically, that I would do it myself and I made that very clear to her. When I was going to make my payment of XXXX on XX/XX/XXXX, because I could not do the double payment. I saw that my account said that there had been a payment of XXXX paid that day. Was very confused. So I did not do my payment. Monday morning XX/XX/XXXX I wake up to my bank account being on negative and saw that they had taken out the XXXX automatically out of my account without consent considering I had made it very clear that I did not want this withdrawn from my account and wanted to do it myself. So I did not authorize this transaction which is my biggest problem. A transaction has to be authorized before any money is touched again I said NO to this. I called and spoke to an agent first, she told me that on the notes it said that I had given consent to the last agent to take my money out of my account, I told her this was incorrect and that I wanted to speak to a supervisor and have her listen to this call. Did not get supervisors name but I spoke to her on XX/XX/XXXX to the phone number of XXXX at around XXXX. She was very short and rude and not helpful at all. All she said to me was that I was late on my payment and that on the contract it said they could take money out of my account if I was a day late. Which I do n't believe to be true as I been a day late before and this had never happened to me before. I explained the situation to her. Told her I needed a refund and she was just rude and told me she could not do that and said false information. That she would send me a copy of the contract to my email and highlight the part where it says they could take money out of your account without a consent. It is now XXXX on XX/XX/XXXX and still have not received anything form them. My biggest issue here is that you can not just take money out of peoples account without their consent. Big violation. & then when you speak to a " supervisor '' they tell you false information. I would like this call to get listened to by a real supervisor or CEO. & get my money back. Also I need that copy of that contract highlighted with the information this girl told me thank you.
04/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 983XX
Web
I responded to an ad on XXXX to a local mattress company, XXXX XXXX in XXXX WA. This appointment made was unbeknownst to me a " group '' appointment of other interested parties seeking mattresses. I was first in line to be " financed '' ( I Have pretty good credit so I was not concerned ) It was told to me " if '' I paid within 3 months there would be no finance charges ; It wasn't brought to my attention that ; as I would later find out, the company " American First Finance '' in XXXX, Texas, charged me 95 % Finance Fees!?!!? Had I not been rushed so salesman could pursue the others purchasing I may have noticed this on the paperwork I signed, and would have either opted to obtain far better loan financing through my credit union or anywhere but American First! Very unfair & unethical business practices, but that isn't my main complaint! Please see attached compilation of email correspondences while coordinating my FINAL payment in FULL. also attached are pics of texts between First American and myself, showing their unethical business practices and standards or lack thereof. Also attached is the Statement I received from American First XXXX XX/XX/2020. They harassed me consistently and over excessively, even after speaking with someone telephonically that I would be filing my taxes and would be paying this small balance in FULL. I emailed and texted that I had just mailed payment in full on XX/XX/2020 in the amount of {$290.00} and the check #. I keep receiving demands for payment. I looked into my financial statement and seen that they had in fact received and cashed the check on XX/XX/2020. As you will see, I sent several emails in response to their " automated emails '', I would receive an auto reply saying someone would be getting back to me, That NEVER happened, ever ... .until TODAY XX/XX/2020, please see in my compilation in order of beginning to end. A XXXX XXXX is suggesting I still owe an addition {$140.00}?!?! I am done attempting to get through to this company and this representative! I have also received a notice from XXXX XXXX because American First Finance had reported me as negligent on my " debt ''. I have asked American First to correct this, but as you can see I get absolutely NOWHERE with them! Hence my filing this complaint. I remain hopeful your department can through to this company and contact XXXX etc and CORRECT their mistake in reporting and risk damaging my credit rating immediately! Thank you in advance, I look forward to a resolve and appreciate your time and assistance.
04/15/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95818
Web Servicemember
Purchased set of tires and wheels on XX/XX/2017, total price = {$2200.00} with {$800.00} payment made, balance {$1400.00}. Utilized credit program with vendor which sourced through American First Finance. When making the {$800.00} and opting for credit line I was not given credit terms nor interest rates, was told to expect to be contacted by loan agency, this was one day prior to making cross-country trip. Upon arrival to destination, XX/XX/XXXX, created automatic payment through my bank since I was not home to receive notice of payment or interest rates. When creating this automatic payment I noticed a payment had already occurred to American First Finance. I contacted them to inquire about this action and if this amount would pay the entire balance of {$1400.00} by the due date, the customer service representative stated, yes. Several months later I checked bank payment history and noticed payments were still being withdrawn, well surpassing the {$1400.00} amount, a total of {$1700.00}. I contacted American First Finance to request a refund of the {$260.00} overpayment and they cease withdrawals, they refused and stated that this was based on the interest rate compounded after exceeding the 90 day mark. First, I did not receive a notice of the interest rates nor when I returned home to California, did not receive mail containing credit terms or interest rates. It was during this telephone call that I was finally able to coordinate receipt of the credit terms and interest rate. This was emailed to me and depicted a rate at 140 %. If I would have known of this rate I would have opted not to take this credit line and if I did would have made a valiant effort the balance was paid well before the 90 day mark instead of relying on their customer service representative that assured me things were taken care of. Because they were unwilling to accept my payments for payoff nor generate a requested refund of I cancelled payment to American First Finance, which cost me {$25.00} to process. With continued effort to rectify with American First Finance they stated they did change their business practice with the vendor I purchased the merchandise, XXXX XXXX XXXX XXXX by ensuring consumers were given credit terms and rates but would not show I paid the balance nor refund me the amount I overpaid. That in itself was an admittance that American First Finance required corrective action but they still were unwilling to refund my overpayment nor rescind their efforts to seek further payments for over {$1600.00}.
04/25/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33756
Web
MEMO TO : XXXX XXXX, Co Founder of XXXX, XXXX XXXX XXXX XXXX American First Finance XXXX XXXX XXXX XXXX American First Fiance XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, CFO of XXXX XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer of XXXX XXXX Customer Service, XXXX XXXX XXXX, Chief Legal XXXX of XXXX XXXX XXXX XXXX Customer Service, XXXX FROM : XXXX XXXX XXXX XXXX : Federal Trade Commission, File # Florida XXXX XXXX XXXX File # Consumer Protection Agency, File # Consumer Financial Protection Bureau, File # Federal Trade Commission, File # DATE : XX/XX/2023 RE : American First Finance Loan # : XXXX. The loan servicer will not accept my credit card payment for the final loan payment. I am writing this letter to the executive leadership team of XXXX, the financial holding company of American First Finance, and to report to Consumer Protection Agencies listed above to inform of the deceitiful and injustice policies of American First Financial maintains. I took out a XXXX days loan of {$990.00} to purchase a refrigerator on or around the second week of XXXX which has an Early Purchase Option Amount in which I have 0 % interest loan. To avoid balloon loan payments that will double the cost of the initial purchase to {$2000.00}, I called and spoke to the American First Finance Representative and asked to make a credit card payment to pay off the balance on the account of {$470.00} - see below. The Representative stated that the company can NOT accept credit card payments only debit card payments. I asked her to explain why credit card payments are not a form of payment and she could not explain the policy. I asked to speak to her manager, and I was abruptly disconnected. Using a credit card is a legal monetary tender, and I was denied the right to use this tender. I recognize there is a nominal fee associated with the credit card transaction and I am happy to defray the fees associated with using a credit card. I believe American First Financial uses the no credit card processing policy as a deceitful and unfair policy to keep the American public indebted to their financial institution. Again, if I do not make payment by XX/XX/XXXX, my loan balloons to {$2000.00} even if I owe {$470.00}. Due to the time-sensitivity of this letter, I am requesting the senior leadership team of XXXX and/or American First Financial to address my concerns by emailing me at XXXX or XXXX to resolve this matter in a timely fashion.
02/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30092
Web
On XX/XX/2018 I was approved for XXXX instore line of credit for XXXX XXXX XXXX store. I purchased a mattress set, dresser and livingroom set. my total. was {$1600.00}. I was told I had 101 days to pay off with no interest. i was told I can contact XXXX XXXX XXXX told to adjust my payments to be paid off in the 101 days, as they ach withdraw the payment bi-weekly. I called immediately to set up the necessary payments to be paid off I was told that they don '' t adjust payments and I have to tell the how much I want my payment to be. I was confused because that is not what I was told instore. I ask for my payment to be {$200.00}. I was told that the next 2 payments would be for {$200.00} and I would have to keep calling back to change the payment. Again not was I was told instore. On my payroll date I saw the minimum payment was withdrawn of {$130.00}. I called the company XXXX XXXX XXXX again to see what the problem was and was told the same thing. requested the payment to be {$200.00} again. This time one payment of {$200.00} was withdrawn and then the payment went back to the minimum. I called again to have the payment adjusted. The same thing happened again the minimum payment was deducted. I called again and asked for a Supervisor, the same scenario again. I asked the payment to be adjusted and the minimum payment was still deducted. I feel like this is a scam to keep you from being paid off in the 101 days. I called again and asked for a supervisor and she explained the same thing. I complained that I have made several attempts to pay {$200.00} but my request is not being processed. she stated that I could have paid online and I explained to her that to avoid any mistakes I wanted to call and speak with a representative to ensure my payments were made and processed properly. She continued to sate the process which has never worked from day one. She extended my pay off by 1 week and advised that I would be charged {$4000.00} in leasing fees if not paid if by XX/XX/XXXX. This is absolutely crazy to be charged {$4000.00} in leasing fees when I did everything I could possibly do to adhere to the 10 day pay off option. This is a scam to charge astronomical amounts of excessive fees. This should be illegal.!!! I'm disgusted at these practices and something needs to be done about this. PLEASE HELP ME. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX American First Finance XXXX
05/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 483XX
Web Servicemember
Good Afternoon, I am following up based on the information discussed on the phone call today with XXXX. During our conversation, I advised XXXX that the information you reporting to XXXX is inaccurate. Since XXXX, the account has been reflecting as a CLOSED CHARGED OFF, witha balance od {$320.00} suddenly ( today ) the account is showing as an OPEN account. Per XXXX, it should NOT have been reporting as a CHARGE OFF or CLOSED as it was only CHARGED OFF internally. XXXX also advised that the account should have always reflected {$760.00}. I advised XXXX that 1. I do not owe that amount. I had insurance to cover my purchase, your company applied a damage waiver of {$400.00} for the bed but could not cover the full amount due to XXXX XXXX admitting that the bed was damaged due to their employee not putting the bed together correctly ( please note that I continued to pay while you conducted your investigation ). XXXX XXXX is responsible for the remaining balance not me as the bed could not bed used due to their error. Your company began reflecting the account as a closed charge off with a balance of {$320.00} ( please see below ) and has done so for the last 4 years up until today. This was disputed because I do not owe and your company XXXX XXXX does, your company came back stating the information was verified ( please see below ). Today XXXX offers me {$220.00} to close the account, this is laughable because the account has already adversely affect my life. Please see snippets of how your company has been showing on my Credit Report. As a resolution, please update the account as paid/closed as soon as possible and send a letter via email confirming that this has been done to ( XXXX ). The information previously reported has negatively impacted my life and was being reported inaccurately ( this was admitted on a recorded conversation ) and I will seek to pursue Montary relief if this issue is not resolved. Additionally, this is bad business, also admittedly and proven by the damage waiver payment applied to the account there was damage done to the bed, it was not fully cover due to the issue/damage ( admittedly ) being the fault of the merchant not me. Please also be advise this company previously responded to an investigation that the account reporting as closed/charge off for {$320.00} was accurate. If you have any questions, please reach out to me at XXXX.
02/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • XXXXX
Web
On XX/XX/2022, I bought a washer/dryer set from XXXX XXXX XXXX in XXXX, Texas. Originally I was going to pay cash, but the store individual asked me to " apply for credit '' through their stores finance company ( American First Finance ). She handed me her lap top and instructed me to complete the application on line. I was approved for XXXX, the set that I selected off the showroom floor was a Grey Whirlpool front loader for XXXX. I had to put a deposit down and when I requested copies of the contract, receipt and paperwork... the printer was down. I was told that the fiance company would e-mail me a copy of the paperwork... ..Part of this purchase was a free delivery of the set and the removal of my old set to be used as a trade in ... .Upon delivery, the installer notified me that both units had problems... so I contacted the seller, XXXX, she scheduled to have another set delivered. Same thing, the washer tub fell out, the dryer would not work correctly... Once again, through text, telephone messages, I talked with XXXX. They was to send out " their repair technician ''. They never showed. I requested a replacement set. The third set was a top loader washing machine, standard dryer and no pedestals. This was not what I purchased. This happened two more times. The 4th set was a XXXX front loader set. Upon delivery, the installer noticed problems. XXXX scheduled to have " a repairman '' to come and fix it. It was not fixed. I contacted the Finance company and issued a complaint. In addition, I filed a complaint with the XXXX XXXX. At the same time, the finance company contacted me by e-mail to " pay off my note '' to avoid interest and finance charges. I talked with their offices multiple times and no resolution. I paid my note off. I finally received a copy of the contract and a payment history. It all pertained to the original washer and dryer that I purchased. Basically I paid for something that I did not have. To date, the company has not repaired either my washer or dryer. In XXXX, I received a letter from American First Finance informing me that they was going to resume deducting payments from my account due to it not being paid off. I immediately filed a complaint with the company, I even showed them and gave them the transactions information from the bank showing where they deducted it from my account. To date neither company has resolved my complaint.
09/18/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 95336
Web Older American
We bought furniture from XXXX XXXX in XXXX, XXXX in XXXX of 2015, everything went well until it came time to pay. We asked for and were granted a loan a loan on the purchase. We paid {$400.00} down on a {$3400.00} requested loan which left $ XXXX loan was through American First Finance , XXXX, XXXX, at the time we were not informed that this was the provider of the loan. We signed a bunch of papers thinking we had done a good job of reading everything, ( guess we missed a bunch ). During this process interest rates were never brought up, ( I guess my wife and I assumed that it would be like XXXX or XXXX XXXX??. We only requested terms as we were waiting for the closing check from the sale of our house in XXXX, which we told the sales person, and we would pay the loan off. We waited for 3 weeks or so expecting something from the loan company and nothing happened. We called American FF and requested info, ( this was after we discovered who had the loan ). We were hung up on XXXX times, the third time we got through and requested information, which was sent. This is when we learned we had a 120 % loan for 24 months and it was set up to auto draw from our checking account. ( we missed this one, our fault ). I called my bank ( XXXX ) to cancel the auto payment and at the same time transfer money from my checking account to pay the {$3000.00}. After a wait on the 3 way call AFF agreed to let XXXX cancel the auto withdrawal. XXXX issued a {$3000.00} check to AFF to pay the loan. We waited, checking everyday for the check to clear, and making calls to the XXXX # and were told time after time that the KC office never received the check. I kept calling and finally received a return call and they were all from XXXX XXXX and not a XXXX XXXX, at this point I stopped payment on the 1st check and had XXXX send a certified check to the same address, which was received and cashed and we received notice. Two weeks later we receive a letter from AFF inc.with the 1st check and void written across the check.????????????????????????? As I write this my credit report still show that I have an open balance with AFF. INc of {$3000.00} and this was paid off XX/XX/XXXX. AFF. Inc seems to be located in XXXX and not XXXX and XXXX and AFF seem to be working together to take advantage of customers, anyways XXXX % interest is ridicules, and the way they go about it is a crime.
06/27/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • PA
  • 171XX
Web
Attached are images of consumer reviews that relate to this complaint. I've also attached what was handed to me after my transaction with XXXX XXXX, which an envelope and two pages stapled together. I've included my contract, which was emailed to me today from American First. On XX/XX/XXXX I called XXXX XXXX XXXX, PA about furniture and financing. They made it very easy, sent me a link to apply for financing. I filled out the app, which only took a few minutes. XXXX XXXX called me advising I was approved. Long story short, I got my furniture. I was set up on bi-weekly payments of around {$220.00} ( I can screen shot the payments and send, if needed ). Today, I contacted American Finance to inquire what the deferred interest rate would be, as well as the charge - I talked to a person via chat. They emailed me the contract, which stated interest rate of 169.53 %. I asked the rep more directly what the actual finance charge would be if I don't pay off the balance by XX/XX/XXXX, which is the early pay off period end date. The actual charge is not specially called out, or at least clear, in the contract. The rep told me the accrued charges after XX/XX/XXXX would be {$3000.00}. I used {$3200.00} for financing. Obviously, in shock, I shared my experience on XXXX XXXX XXXX and American First Finance 's sites on XXXX. XXXX XXXX denied wrong doing, attached is also their response. American First replied to my review- they replied telling me to call and ask for a supervisor. I called and had to leave a voice message, no one has called me back - that was about five hours ago. I started to read the reviews on American First. Shockingly, there were other reviews and experiences similar to mine. So tell me this, how does a company ( ies ) clearly provide its terms, fees, and interest rates in a way that would cause this much harm and confusion?? The information is hidden. XXXX XXXX is also responsible. The envelope and the double-stapled pages inside show none of the terms. I was also advised after the transaction that I had 90 days to pay it off. No where was this clear in the application process. I don't even know what all to do to help protect other people from these two companies ' practices. I do hope that my reviews and filing this complaint will help these practices to stop and for those harmed to receive some form of compensation. Thanks, XXXX
07/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TN
  • 38016
Web
I opened an account with American First FinanceXXXX XXXX XXXX XX/XX/XXXX. Account # XXXX. When reviewing my credit report it was brought to my attention that I had a charge-off and an amount of {$200.00} owed to American First so I logged in and paid the {$200.00} in its entirety ( confirmation # XXXX ). I contacted the company via chat to discuss with them me paying it off and the rep instructed me to contact XXXX XXXX XXXX, a third party collection agency to which i did. There contact number is XXXX. They returned my call this morning to which I told them that I paid the account off on yesterday via the payportal for American First Finance and informed me that they did receive my account but did not accept the account so it was not in their system. I then contacted American First Finance again at XXXX on XX/XX/XXXX, and told the agent what the collection agency told me. The agent referred me to physically call XXXX XXXX customer service at XXXX to which I did. The young lady that I spoke with let me explain what the situation was. I explained to her that my credit reports were reflecting a {$200.00} balance so I paid it off on XX/XX/XXXX and contacted them to let them know, and they told me it was with XXXX XXXX XXXX which they stated it was not. She placed me on hold and stated she would call me back on what may still be owed on my account when I told her that {$200.00} is what the credit bureaus showed and their last reporting date to the bureaus was XX/XX/XXXX. This is also the amount that was turned over to collections, when she stated that it was leasing fees that were the extra amount but if they thought it was turned over to collections why would it accrue leasing fees or interest? They had just been informed by me that the collection agency did not have my account. She told me it would have to be paid but would call me back. This company has been reporting {$200.00} as a balance on my credit every month with the last report on XX/XX/XXXX. I have paid the {$200.00} total and do not feel it is fair to throw extra fees on me after I have paid the account and that those fees should be adjusted off. I have attached the report from the credit bureau with the last reported date and amount, the receipt from American First Finance portal showing payment, and the payment that has been deducted from my bank account from American First Finance
02/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93704
Web
XXXX/XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. XXXX XXXX XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. XXXX/XXXX XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. XXXX XXXX XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. XXXX/XXXX XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. XXXX XXXX XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. AMER FST FIN XXXX Balance Owed : {$3200.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
03/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30040
Web Servicemember
This company 's offer was not clear. This account was opened in XX/XX/XXXX through a tire purchasing service. There was an offer to help build credit and finance for a tire purchase. The tire purchase totalled {$1000.00} with an early payoff period of 100 days. I was granted a standard credit limit of {$2000.00}. What they did not relay was they would charge a 200 % " leasing fee '' at the time of the purchase. It was relayed that it would be standard percentage finance fees up to 34 %. On XX/XX/XXXX I contacted to inquire why the balance was so high with such a significant amount being paid off. The total amount paid on the account as of XX/XX/XXXX is {$1400.00}. That's {$420.00} over the amount originally financed. The representative claimed that there was a " leasing fee '' of {$1900.00} on the account. They claim after the 100 day period they would discount the leasing fee by 55 % but capped my account discount at {$560.00} which is less than the 55 %. Then charged an additional sales tax of 6 % on top of the tires that was already charges sales tax for the total amount and the " leasing fee. '' The account has had a total amount paid {$1400.00}. When I called to figure out why the account has a balance of {$1100.00} when the total amount paid is far exceeding the total amount financed, it's this now called " leasing fee. '' When I said this was not explained that the rate at which we took for the purchase was a percentage like a standard loan was converted to a 200 % leasing fee. I did my research and I went ahead and took a look at the process with another individual and the business does not describe there is a 200 % lease fee, it shows as a standard purchasing loan process with a percentage of up to 34 % not 200 %. No one in their right mind would agree to a 200 % fee of what they were purchasing especially in an economy like we have. This is unethical practices in every capacity. It is misleading. I would not do business with this company again nor recommend anyone else do business with them. It is a requirement to fully disclose all fees, expenses associated with a loan of any kind. They are basically a loan shark.
01/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75051
Web
On XX/XX/XXXX I was financed by American First Finance, XXXX an amount of {$4000.00} in which {$2900.00} used to purchase items from XXXX XXXX. A balance of {$1000.00} was left with American First Finance. I was given 101 days to settle. I paid 90 % of the amount thus {$4000.00} out of Payoff Amount which is {$4700.00} with a balance of {$700.00}. Unfortunately, I lost my job at the XXXX XXXX XXXX due to the pandemic, so I asked for a one-month extension. I paid {$530.00} within one month period hoping to find a job. Regrettably, I missed two days to settle {$170.00} but I paid it the same day thinking it will be acceptable because of my situation at that moment. On XX/XX/XXXX I received an email from American First Finance demanding that I should respond to their email. So I called them and I was told to settle an amount of {$2000.00} ( which our conversations were recorded on XX/XX/XXXX ) by XX/XX/XXXX because I have missed my 101 days Payoff Settlement. On XX/XX/XXXX they posted an amount of {$2000.00} which appeared in my Credit Report. I made my first payment on XX/XX/XXXX an amount of {$500.00} then paid the rest every two weeks. I made my last payment on XX/XX/XXXX an amount of {$650.00} before XX/XX/XXXX deadline. After making the first payment, I realized after two months, the payment hasn't been posted so I called them they advised me to download XXXX and XXXX to check my Credit Score and I did what I was told but after doing that nothing was changed. I have called them several times on the same issue but they are not willing to solve it. What baffles me most is that they confirmed to me on my calls they have received my emails ( more than 7 emails ) which I attached the receipts issued to my payments amounting to {$2000.00}. The payments are made online. However, now they have increased my balance from {$2000.00} to {$4800.00} which is incorrect. Again, American First Finance continues to demand payments from me In my opinion, I have gotten to know that they want to defraud me. I have settled the full amount and don't owe them. I expect them to do the right thing to bring my balance to XXXX.
10/15/2018 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37087
Web
On XX/XX/18 I spoke with a customer service rep with American First Finance to process a payment. I have an agreement with said company for automatic withdrawal on Friday 's once a week from my bank account. However, my employer changed thus changing my deposit status from direct deposit to a prepay debit card. Therefore, when I made a payment via telephone with customer service I authorized them to make a 1 time payment from the prepay debit card as the funds were no longer available in the original account authorized. Then on XX/XX/18, XX/XX/18, & again on XX/XX/18 American First Finance made additional withdraws in the amount of {$46.00} from my debit card without my written, verbal, or expressed permission. I contacted American First Finance on XX/XX/18 in regards to this matter & asked they review the recording from when I made initial payment from my debit card to verify I never gave them permission to make any further withdraws from that card yet it was taking place. After reviewing the recording the manager on duty told me I did not specifically tell them not to keep my card number on file so it was automatically added as a method of retrieving payment. I explained to her I didn't specifically give them permission to save my card information either but in fact both according to their recording and my statement the agreement was for a 1 time payment & I further questioned the legality of their actions. Her response to me was that " it happens ''. That was the end of our conversation. So my question is to the legality of this situation. Being, if I have hidden a key to my home outside my house but give an acquaintance permission " 1 time '' to use that hidden key and enter my home yet, on their own accord they choose sometime in the future to re-enter my home without my permission did they some how have an expressed permission to re-enter my home because I gave them permission " 1 time ''? I don't believe that would be considered legal neither do I believe it is legal for American First Finance to re-enter into my debit card account without my written, verbal, nor expressed permission.
05/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CT
  • 061XX
Web
I began a financing plan on XX/XX/2020 with American First Finance. The total cash price was {$2700.00}. I was told at the time of signing that they would take bi-weekly payments to pay this off. To date, they have taken a little over {$1000.00} from my bank account on auto-pay. I called today because I noticed the pay off balance jumped up to {$2200.00}. That couldn't be right since I only should about {$1700.00}. Apparently, because I did not pay off the balance within 101 days, I did not make the early pay off date ( XX/XX/2020 ) and therefore they charged an exorbitant amount of fees- which only increase daily. I was told at the time that I was signing up that they would take the correct amount out of my bank account to pay off the balance in three months. Apparently, they default to taking the 'minimum amount ' so you don't pay it off in time and it is your responsibility to override that monthly by paying more so it is paid off in time. There is nowhere on the contract to indicate you would like to override the default to have it paid off by the 101 days- as I indicated at the time of purchase and was under the impression was in effect. The {$2700.00} is the cash price. If I were to have contacted them on XX/XX/2020 then I could have paid off the loan at XXXX- XXXX = XXXX. However, since it is past the 101 days, if I wanted to pay it all off it is now the cash price - 0.5* ( what I have already paid ). Meaning, if I were to pay it off today I would owe : {$2700.00} - XXXX = {$2200.00}. That is {$500.00} interest for 16 days. The maximum legal interest is 12 % in my state. What is potentially illegal about this is that they categorize the agreement as a 'rent to own ' agreement, but report the balance to the credit bureaus a loan. Thus, if it is a loan, they should be subject to state usury laws. They also report the loan to the credit bureaus inaccurately- stating I have paid {$2800.00} of a {$5800.00} dollar loan. This {$5800.00} number comes from the cost of rental ( {$3800.00} ) + ( {$2700.00} ) cash value ... I have no idea where that {$2800.00} number comes from.
04/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 45040
Web
On XX/XX/XXXX, I purchased a mattress and adjustable base from XXXX 's online. It was financed by American First Finance. On XXXX XXXX, I received and email from the delivery company ( XXXX XXXX XXXX ) stating that they will be delivering the merchandise on XX/XX/XXXX. With less than 24 hours notice of delivery, I called the delivery company to asked if I can reschedule and was told that there's a 2 week waiting for reschedules. I decided I will take time off from work to be home for the delivery. I was contacted by the XXXX XXXX at around XXXX on XX/XX/XXXX to let me know the delivery will be at my location in XXXX. I waiting until XXXX then called them when the driver never showed up at XXXX and was told that he had other deliveries but should be there later in the day. When the driver eventually showed up after XXXX, he said that he was by himself and could not bring the mechandise upstairs because it was too heavy, although I paid for in-room delivery, open and inspect the product he said he could not do that. I refused the delivery as I live alone and had no idea how I would get the merchandise to the assigned room up one flight of stairs. I called XXXX 's who said they can't cancel the order until I paid $ XXXX for thr returned merchandise. I then called American First Finance who approved the financing for the merchandize who is now saying that they can not cancel my lease until the store cancels the purchase. I was contact again by XXXX 's demanding that I pay for the return of the delivery by debit or credit credit card in the amount of $ XXXX despite the fact that I do not have the merchandise due tot he unwillingness of the driver to delivery the merchandise per the added amount of {$110.00} to deliver in the room of my choice. On XX/XX/XXXX I contacted my bank to stop all future payment and explained that I did not have the merchandise and that the finance company is refusing to cancel my lease. Today XX/XX/XXXX I received a payment schedule from First American Finance that my next payment is due on XX/XX/XXXX despite the fact that I do not have the merchandise
05/13/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 33056
Web
My name is XXXX XXXX, a federally protected consumer, agent and principle, holder in due course and attorney in fact to XXXX XXXX. i pulled my credit report XX/XX/22 and seen that America First Finance wants to cause stress and anxiety to my life by causing harm to financial reputation. American First Finance is continuing to commit a unlawful extortion act against me. Attached is a cease & desist order to American First Finance that had also been sent certified mail. American First Finance may not have any communcation with me. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium. American First Finance is prohibitted to report any information my consumer report? So i suggest you remove this tradeline from my consumer report or you will be violating the cease and desist orded and lead to me filing litgation. Im aware, American First Finance has also sold this account to an collections agency XXXX XXXX, which im aware is securities fraud! UCC 1-306. Waiver or Renunciation of Claim or Right After Breach states A claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an authenticated record. Im aware that a charge-off is the writing off of a debt and termination of collection activity without release of personal liability under federal regulation. American First Finance written this debt off and filed a 1099-C since I wasn't provided with a 1099-C. Why is your gross income being reported to my consumer report? Not to mentention the deep pool of FCRA violations they have commited Im also aware that FCRA states that i have a right to a fair and equitable credit report and that i also have the right to privacy, meaning that anything i dont want furnished on my credit report can be removed by law. Now im aware American First Finance are making false claims pursuant to 31 U.S. Code 3729 Stop commiting fraud!
03/26/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • NC
  • 282XX
Web Older American, Servicemember
I contacted XXXX to file a dispute about American First Finance, which damaged my credit. Not only that, but I do not owe anything to them. Therefore, credit profiling should be considered. I filed a dispute with XXXX for investigation on XX/XX/XXXX, and on XX/XX/XXXX, the amount stated that I owed {$1400.00} turned into {$5100.00}, which also turned into a student loan. I do not understand if this is not credit profiling. American First Finance is a predatory company that marked my account as a charge of {$1400.00} on my credit report. The account listed as open on XX/XX/XXXX ( XXXX years and XXXX month later ) was eventually sold to a debt collection agency, which started contacting me non-stop to get me to pay up. They continued to harass me through the phone, email, and text. And not one of those messages arranged for me to pay the settlement amount offered. I just filed a dispute with the credit bureau, asking the collection agency to validate everything surrounding the debt before they could continue their collection efforts. This is one of the worst forms of derogatory fraud. However, this can not be considered legal. It is a common fraudulent business practice in which Americans first engage in finance. I do not owe anything to them. They must be investigated, and a class-action lawsuit must be filed against them. State in my report in the Remarks : " Charged off as bad debt. '' The profit and loss write-off XXXX did not investigate this, and caused more harm and good. This is credit profiling and the rights are violated. Under Consumer Rights. I have no Student Loan with them copy of the resolution : COMPLETED ON XX/XX/XXXX ITEM IN DISPUTE : AMERICAN FIRST FINANCE I DISPUTE REASON : Accuracy This account is settled. CONTACT INFORMATION AMERICAN FIRST FINANCE I XXXX W. XXXX XXXX NORTH, XXXX XXXX XXXX XXXX, KS XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute, but the information was verified as accurate. Other information was also updated. See your current report
03/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • KY
  • 40245
Web
I purchased furniture from XXXX XXXX in their store in XXXX KY on XX/XX/2018, totalling {$3200.00}. They had a 101 days same as cash promotion going on, and told me that if I did not pay it all in that time frame, it would roll over into a loan. I signed an application and had the receipts for the purchase. I do not remember signing anything electronic. The payments went to American First Finance. During the 101 days, I paid {$1000.00}. After this time, they told me that I would now owe a huge amount, where the electronic contract that I signed said that I would pay 144.60 % interest! I told them I did not sign this! I told them that was extremely unfair, and I believe that it is illegal! I continued to make payments and continued to call them and as of XX/XX/2018, I had paid the remainder of the purchase amount. Now all I owe is the interest on {$2100.00} for the amount of time that I paid on that money, which is 8 months. I have spoken to the company several times, trying to negotiate a fair amount of interest for the both of us for the amount/time frame of what I would owe them, which is {$2100.00} for basically 8 months. They have now put this on my credit report, saying that I am late on payments. The best verbal offer for settlement from American First Finance that I have is {$2400.00}, or they say I can make payments on the full balance of {$3400.00} ( on a purchase of {$3200.00}!! ). l believe this is illegal, and there are usury laws in KY that have a cap of 19 %. I had no idea what I was getting into with this company. I now need to trade my car and my credit rating has dropped several points, which is going prevent me from getting the vehicle. I am willing to settle this for 19 % interest for 8 months on {$2100.00} which calculates to {$270.00}. They are threatening me with a collection company. I believe this company to be using illegal and extremely unfair business practices to their customers. There are several online complaints just like mine where they done this to other people.
04/05/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CT
  • 06074
Web Servicemember
I don't know if these practices are legal, per say, but I wanted to make someone aware. I made a purchase from XXXX XXXX XXXX XXXX in XXXX XXXX, CT. They outsource their financing " promotion '' through American First Finance and that is the company I am complaining about. The offer was to purchase a mattress with no payments for 60 days and no interest for the first 6 months. It wasnt until after signing up did we find out there was a {$50.00} early payoff fee ( on top of the {$50.00} for applying for this service ). When going online to make payments, there was no easy option to do so. They do not let you remove or edit your account information ; only add new accounts. They also had prescheduled payments through the end of the year ( XX/XX/XXXX ) without my permission, to be automatically debited from my account. This would put me way past the 6 month " no interest '' time frame, and I had not option to change or remove. I made a {$75.00} payment on XX/XX/XXXX and the website gave the option of counting towards your next scheduled payment or not. I chose to count towards my next scheduled payment and the website populated a next auto-debit date of XX/XX/XXXX ( {$24.00} ). They then debited my checking account on XX/XX/XXXX without my permission. Attempts to rectify with them were useless. I decided to just pay off the remaining {$160.00} balance and any fees. They accepted my payoff, deactivated my online account immediately ( not sure why ) and then emailed a reciept of payoff. Two days later they debited a different account that was used in determining my credit qualifications, over {$500.00}. I called and they confirmed they debited in error and do not know where this amount came from since my balance was only {$160.00}. They said they would return the funds in 7-10 business days. In the meantime, my account is incurring late fees. This is the worst finance company I have ever dealt with and I am concerned that they still have my account information.
09/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98270
Web
On XX/XX/2019, I tried to obtain in-store credit line ( from American First Finance ) to purchase new couches at XXXX XXXX XXXX, XXXX, WA. I was denied credit. The reason in the letter they sent me, later, was because " poor credit performance ''. It also stated the key factors that adversely affected my credit score ( which they labeled as XXXX ) was " Insufficient credit history, a combination of address withe other identity elements is generally associated with risk consumer associated withe address changes, hih number of recent applications using address. '' This information about my credit was obtained from XXXX XXXX ( an XXXX company ), XXXX XXXX NV. I reached out to XXXX to get the report they sent to AFF. After completing the appropriate paperwork and submitting it with the proper ID, what i got shows no credit history at all. I spoke with a gentleman ( who was extremely nice and helpful at XXXX ) and he mentioned that my lack of information might be due to the fact that I don't use short term credit. I have had credit in some form since I was 19 or 20 years old. After seeing this lack of information from XXXX, XXXX, I obtained 2 of my 3 free credit reports for the year from XXXX and XXXX. I frequently monitor my credit on XXXX XXXX as well. My credit reports show all of my accounts in good standing. I'm beyond frustrated with how I was treated the 2 times I tried to call AFF with their customer service agents being rude and condescending. I understand that because i was applying for credit, it was a hard inquiry on my credit report. However, I am responsible with my spending and line of credit I have open, I would've not applied for credit knowing I would be denied ( this has never happened to me before ). I applied knowing companies frequently want to give me loans since I am a good steward of my money and pay my bills on time and have a good credit history. Because of this hard inquiry, my credit score dropped over 25 points.
02/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60443
Web
Good morning I recently took out a loan with American First Finance XX/XX/XXXX of XXXX I purchased a refrigerator the refrigerator was {$1600.00} they give you 101 days to pay it off with no interest or fees after that they tell you that you know the price will be higher yesterday XX/XX/XXXX I called them because I looked at my credit report and I wanted to try to pay off the loan my credit report only shows that I owe {$1300.00} so this is what Im looking to call to pay them once I talk to representative XXXX he made me aware that I still owe {$4500.00} I told him that is not what my credit report says and I told him I went online to try to find my contract and it wasnt available because they never sent it to me so he Then forwarded me the contract to my email so it shows that if I dont pay off the loan it goes up to {$6600.00} which Ive already paid {$1700.00} I told him I dont remember signing anything that says Im willing to pay something that high I asked him whats the interest rate on that and I think that its illegal to charge someone at least six times what they borrow and he said that its not .he then said the settlement offer would be {$3200.00} I still told him that price was ridiculous he dropped it to XXXX I asked him to just let me pay what it says I owe on my credit report which was the {$1300.00} he said no the lowest that theyll go is XXXX I then said at least drop it to XXXX I will pay that he said no I asked for a supervisor the supervisor XXXX agree to XXXX I still feel like this is unfair so I told them let me contact some people to see if this was fair that they were charging this amount and I will get back to them they gave me 30 days to except a settlement of XXXX I need help finding out is this fair and are they able to charge people ridiculous prices like this I honestly dont remember signing that I would pay this large amount but they sent me the contract so I guess Im stuck unless you could tell me otherwise
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33334
Web
Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 1.Amer Fst Fin Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.
09/18/2022 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
  • TX
  • 75205
Web
I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did XXXX. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! XXXX has American First Finance for {$2400.00}, the other 2 have got that right. Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. There are only 2 inquiries on XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX so Please tell XXXX and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!
03/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 49315
Web Older American
Received a letter in XXXX from American first Finance. The letter stated they were going to deduct the payment out of a debit card ending in XXXX. This was not my card and I did not know this company so I called and told them they sent the letter to the wrong person.The person asked me for personal information. I thought this was a scam so I did not give them the information. the Company did not have my phone number, email. They were also not able to find an account in my name so I left it as a mistake. I then kept getting letters that I owed them money. A report was placed on my XXXX XXXX Credit report. some one obtained a loan for XXXX dollars in my name. after months of contact with the fraud department and employing a fraud agent. they keep saying it was me. Supposedly someone ordered furniture from American freight in Michigan somewhere. The day this loan was taken I was at work. I can prove this. also apparently they picked up the furniture. So the do not know when it went. The company was asked to look into the dept card bank and name. pull security footage and to compare signature on the loan document to my drivers license. They said they would not do this because last time they investigated a claim it was the person to took out the loan. I filed a XXXX report and they sent the contract for a XXXX XXXX. I gave them the account number on the letters. They are not even looking at the claim or the reports. it is clear who ever did this paid XXXX dollars. how did they pay. who XXXX the debit card. what phone number and email address do they have. you can trace my car and phone and it will prove I have never been at American fright. Also I would never take out a loan of this type. I just bought a 23 truck and paid cash to avoid interest. look at my credit report I do not take out loans. I am retired and paying off any loans I have. please help to clear my name. this has been going on too long.
05/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • WA
  • 98248
Web
I applied for a loan with American First Finance on XX/XX/2018. They asked for my bank account information, made a small withdrawal to verify my account, and offered me a line of credit. They took a {$50.00} payment from me at time of purchase then took auto payments that were posted to my account. When I saw that they took them from an account number that was two digits different than mine, I called them and notified them. They asked me to make a payment with a card, which I did, so that if the payments came back the account wouldn't show as late. They began calling me every Friday and Saturday asking for payment. I made three double payments the past three weeks in a row. I was told that the payments came back from the wrong account but were covered by my card payment. My payment is supposed to be XXXX every Saturday ( I was supposed to be on twice a month payments but that never happened ). I get a call every Friday and Saturday and on both days, they take a payment out from my card ending in XXXX. The online statement doesn't show the payments I make online, only those auto-debited from my account or on auto pay with my card. When asking for a statement of all payments, they said that due a technical issues, they can't show online payments, only draft or card payments. Then the supervisor today, XXXX XXXX, on a recorded line, said she apologized and offered to give me a " free '' payment - I refused the payment as I have zero trust of these people and don't want them to put another late payment on my credit report. They put a late payment on my credit report two weeks ago, despite receiving payment on time, which I've asked to be removed. This is the worst finance company I've ever dealt with. They have access to three of my debit cards, my bank account, and despite auto pays and payments made online, still charge me for two payments each week and still call me constantly.
05/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 610XX
Web
I purchased furniture from XXXX XXXX in XXXX, XXXX. They had me apply for financing in store with American First Finance. Where my husband and I were both approved and we placed an order. After 3 weeks of calls not being returned and an estimated time of delivery of XX/XX/2021 we opted to cancel. American First Finance had already begun taking weekly payments for both my account # XXXX and my husbands account # XXXX furniture turned in electronic communication to American First that the account was cancelled and no furniture was ever received. I was to be refunded in full. On XX/XX/2021 I called in and spoke to a XXXX who said she could see the cancellation and our funds would be put back into our account in 7-10 business days. On XX/XX/2021 I received a collection text stating my account was past due. I called in and he said it was an oversite. On XX/XX/2021 I received another collection text on both accounts asking for money to be paid. I called in and the account reflects the total balance due. It was not refunded and it is not reflecting the change in balance. On XX/XX/2021 I spoke with XXXX and have requested an email to show I will be refunded. She was not able to send an email. However assures the refund will be applied at some point. She put XXXX on the phone who said he is not able to send an email as such. He then stated that the refund is delayed because they have not completed the processing of my last payment on XX/XX/2021 ( which cleared my bank XXXX This call took over 40 minutes. I have no furniture, I have made payments on each account in excess of {$260.00} and show {$3000.00} in balance due for an order that was cancelled and confirmed with American First who simply isn't able to send any documentation substantiating the account is to be closed with refund due. They have no problem with texts that my account will go in collection for non payment though.
01/18/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29801
Web Older American
On XX/XX/2019 I when to XXXX XXXX XXXX to purchase a sofa, they were having a XXXX of XXXX sale. My friend accompanied me to help make a selection, she was included on the communications that took place with the sales man, him and the other sales personnel were not very helpful and summed to be annoyed by our presence. I make enough money to purchase the sofa out right, I was offered 6 months no interest if paid in full. I planned to pay for the purchase before the 6 months which I did. XXXX XXXX XXXX had me fill out a credit application via their computer. The sofa I purchased was on sale from XXXX dollars to XXXX. I thought the amount was odd, but the salesman confirmed it and the paper work showed a balance due of XXXX. The American First Finance had stipulations that the first payments had to be via bank draft, I felt comfortable about it, because I knew I was going to pay it off quickly. WHICH I DID. Before my last payment I contacted the company and they had and additional amount, they claim it was for taxes. I told them that taxes are paid and are suppose to be included with the purchase price. I asked them where was this company located, he said XXXX. I told them that I was not going to pay anything more than the purchase price and I have and will not. The next day I stopped the bank draft, cost XXXX. I send them a money order with a notation of my original balance, the payments made and the balance, which was what the money order was made for. They received it they cashed them. I also contacted XXXX XXXX XXXX 's Corporate office via email from their website. I've contacted them by phone, to this date they never contacted me. I've spoken to management at their furniture. THEY FEEL THEIR INVOLVING ME WITH A PURCHASE SCAMM IS NOT THEIR PROBLEM. AS FAR AS I AM CONCERN AMERICAN FINANCE IS RUN BY CRIMINALS AND XXXX XXXX MADE THAT POSSIBLE
01/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29456
Web Servicemember
I am an XXXX XXXX military member ( XXXX XXXX ), I entered XXXX XXXX in XX/XX/XXXX and am currently stationed at XXXX XXXX XXXX in South Carolina. I was in need of furniture for my apartment and visited XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, SC XXXX - XXXX ) in XX/XX/XXXX. I worked with a female sales associate at the store. During our time together, she asked about my profession and I verbally told her that I was in the XXXX XXXX. After selecting my new furniture, the sales associate set me up on a computer at the store to apply for financing. On this online application, it also asked about employment, monthly income and the pay schedule. On the application I documented that I was in the XXXX XXXX and received pay on the XXXX and XXXX. On XXXX XX/XX/XXXX, I was approved for a loan of {$2800.00} with an APR of 145.09 %. The furniture was delivered to my home on XXXX XX/XX/XXXX and my first payment ( {$180.00} ) was paid on XXXX XX/XX/XXXX. My payment schedule is {$180.00} twice a month. The loan is through American First Finance Inc ( XXXX XXXX XXXX, XXXX, TX XXXX - XXXX ). After purchasing the furniture, my supervisor reviewed the contract with me. It was then that I realized the severity of the 145.09 % interest rate. Including the finance charge ( {$5900.00} ) and the amount financed ( {$2800.00} ), the total amount of payments is {$8700.00}. My supervisor referred me to work with a Financial Counselor at the XXXX and XXXX XXXX XXXX on base. She informed me of the violation of the Military Lending Act by American First Finance Inc. The approved APR should not have been above 36 % because I am an XXXX XXXX military member. I informed both XXXX XXXX and American First Finance Inc of my status as an XXXX XXXX member. I have submitted a written letter of notification to American First Finance Inc of this violation.
09/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 28262
Web
This has reference to the purchase ( NOT rented ) of a sofa from XXXX XXXX XXXX in XXXX, NC. The actual cost of the sofa was {$1400.00}. Although I was ready to pay the full amount the sales person recommended and encouraged me to go for the financing option with their financing partner American First Finance ( which is located in XXXX, TX ). Account number for the purchase is XXXX. I was asked to provide the bank account number and routing number. Without knowing the credibility of the financing company, trusting them I shared the details. I agreed upon for a weekly payment of {$48.00} per week. The date of purchase was on XX/XX/2018. Sometimes in XXXX I survived a major XXXX XXXX and as a result could not track the transactions of my bank account. Recently I received a letter from the financing company that I owe them {$0.00}. I was taken by surprise since already I have authorized them to pull the money ( an amount of {$1400.00} for the product I purchased ) from my bank account. When called the customer service I was totally shocked ( from which am still trying to recover ) to understand that they have taken an amount of {$3900.00} ( an excess of {$2500.00} ). All my efforts to convince them for refund of {$2500.00} was in vain. When it was clearly mentioned that I wanted to purchase they treated it as a rental agreement and I was trapped. Since the day of purchase so far never I received any courtesy reminder letters nor phone calls nor any type of communication ( except for the {$0.00} ) which clearly indicates their intention. Please find some of the documents I have attached regarding this business. After this experience when I went through the reviews about the financing company only to note that many like me suffered as well. Best Regards XXXX XXXX ( XXXX XXXX XXXX
04/19/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30038
Web
On XXXX XXXX I reach out to American First Finance about my account showing on my credit. When I did the automated service my information would not pull up, so I asked to speak with a rep. Once I spoke with a rep she informed me that my account was sent to a deft collector and she gave me Mercentile information. I reach out to them and was told my balance was XXXX but on my credit its reporting XXXX. So the rep told me that I would need to reach back out to American First for them to update anything on my credit. I called American First back and spoke with a Rep I explained that the balance was not the same as shown on my credit and if it could be updated on my credit. She told me that I would need to reach out the debt collector to make a payment. So I asked her why was the balance different she stated that she did not know and that I made a payment of XXXX. So I asked if I paid the XXXX why hasnt the balance been updated. She stated that I needed to pay the debt collector. So at that point I was confused. I asked her the same thing 5 times and she told me I already paid the XXXX. I even explained that I was trying to buy a house and needed to get this taken care of. I eventually asked for a supervisor and she transferred me back to the debt collector. So I called back to American First and she answered again and told me a supervisor was not available. A few days later I get a voicemail stating that American first was reaching out because of my complaint. I thought it was a supervisor and it wasnt. The guy said a supervisor would call me and I still havent received a call. Also I was told that my complaint would be passed over to the credit department for investigation on last week. Still no update. so I called today and waiting on hold for over 30 minutes and still didnt get any answers.
04/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28144
Web Older American, Servicemember
I have previously contacted American First Finance about this issue, and they mailed me some letters. After I filed an original complaint with the CFPB a representative from American First Finance LLC called me and informed me that it was fully aware of fraudulent activity involving the online merchant, XXXX XXXX XXXX, and that it would no longer process applications for credit in my name from XXXX XXXX XXXX and/or request credit reports from the major or sub-prime credit reporting bureaus. But just two weeks after receiving that promise by phone call American First Finance submitted another request for a consumer credit report on behalf of an Identity Thief applying at XXXX XXXX XXXX again! And this time, in spite of my having a credit report freeze in place at XXXX, XXXX released a credit report to American First Finance. And by a letter dated XX/XX/2023, American First Finance reported to me it took that action again regarding Account XXXX. The CFPB must implement some enforcement actions against American First Finance and implement and/or enforce rules concerning the Major and Sub-Prime Credit Reporting Bureaus . Such as requiring major credit bureaus to inform their sub-prime credit bureaus they own or are affiliated with that the consumer has established a freeze with them and they must honor it too. To enhance the rule, before releasing a consumer credit report to any entity ( except court ordered releases ) a sub-prime credit reporting bureau shall ask its Major credit reporting bureau if the consumer has a freeze in place. If they are told " yes a freeze is in place '' then it shall not release a credit report and shall inform the finance company or requestor that a freeze is in place and they must inform their customer that he or she must unfreeze their report.
10/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • VA
  • 23113
Web
I purchased a dining room set from XXXX XXXX in XXXX XXXX Va on a Saturday, and went back and picked it up on Sunday. Monday after work I attempted to assemble the furniture per the instructions from the box. After assembling the chairs the legs started to pertrude. And the table was chipped. This was all within one day of having the furniture. I then tried again to tighten the chairs and again the legs started to pertrude. I called the store on Wednesday and they told me I was past the 48 hours to do an exchange but they would go ahead and exchange it out. Thursday I went and exchanged the furniture. I was told by the store employee that I need to brace the legs against a wall to hold them in place while I screwed them together. I asked her to show me this on the table I was returning but she refused. She said she did not have the tools. I was also told by another employee to use bungee cables to hold the legs together. So I got a new table went back home and again per the instructions in the box and from the manager put the table together again. That was 8 days ago and now the legs on the table are doing the same thing. I also went back and added the additional insurance in case this happened again which cost me another {$150.00}. I tried to call and file a claim two days ago and the automated system is saying their is no record found for my phone number for an active protection plan. At this point I do not want this furniture. The store is saying I can not return it and Im responsible for completing the installment loan. They have my checking account on file and are forcing me to pay for damaged equipment. I do not want this furniture and I want the contract voided immediately. I plan on talking to my bank because I am not paying for a product that is defaulted.
11/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 60626
Web Servicemember
XX/XX/2021 I purchased a new but damaged refrigerator and a gas stove from XXXX XXXX. I opted for the " 90 same as cash '' program with American First Finance. When the first 30 day payment came through I realized that there was a service agreement in the package that I was originally quoted as {$100.00} for a 5 year plan, is now charging me $ 74/month for the next 24 months. I called and said I did not want that plan. I was told that I had to go back to the store to have it removed. I went to the store to explain the situation and I was told that I had to call the company that supplies the warrantee because they do not. So I called the company and explained. I was told that the service agreement was removed and I would get a refund to pay American First Finance back the money. I waited in doubt. On XX/XX/2021 I still did not get a refund. I went back to the store and called American First Finance so that we could all be on conference. I was told the same information as before. I told them I wanted to pay the appliances off and I feel like I am being punished because they are reporting to my credit something that I do not have. I was told that they would give me an additional 30 days but that I still needed to make the monthly payment with the incorrect amount. I called the service agreement company and was told that they processed the refund wrong and that they would reprocess the refund. I called American First Finance to ask if I could please pay off the appliances and wait until I got the refund from the service agreement company. Again I was not allowed and I was told that someone from the special team would call to assist. Currently this is affecting my credit and my ability to purchase my home. I need help getting this resolved.
07/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85085
Web
I opened an installment loan with American First Financial on XX/XX/XXXX in the amount of {$450.00}. This account was paid in full on XX/XX/XXXX. Currently it is still showing up on my XXXX report as being open with a balance of {$450.00} and no record of each month the item was paid on time. Approximately XX/XX/XXXX I called American First Financial to make them aware of the mistakes and to seek resolution. I was told at that time that they use a 3rd party to report to the credit bureau. They would email them and make them aware. I called back to AFF the next day or two to make sure the 3rd party had received the request. I was told at that time by AFF that they could not give me any more information because the 3rd party doesn't have a phone number. All they could do was email them and they've already done that. I would have to wait 30-45 days to see if it had been updated on my credit report. Approximately 7 days later I followed up to AFF with another phone call. I asked if they had received any sort of response from the 3rd party at which time I was told they had no information from the 3rd party and again they could not follow up with them because they couldn't call them because they don't have a telephone number and all they can do is email them which they've already done. On approximately XX/XX/XXXX I visited American First Financial 's website where they have a section you can email them to report issues with your credit report. I wrote them an email outlining everything I am in this email. As of XX/XX/XXXX I have heard nothing from AFF and the inaccuracies are still on my Transunion report. I'm trying to purchase a home and I can not afford to have any inaccuracies on my credit report. I also made this clear to AFF.
03/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27610
Web
On XX/XX/XXXX consumer which is Me contacted American First Finance to inquire about the 1009c that was filed under my social and account number via the UNITED STATES TREASURY OFFICE. AMERICAN FIRST HAS CANCELLED THE DEBT VIA THE 1009C YET IS REPORTING DEBT AS OWED. DUE TO THE BANKRUPTCY ACT OF 1933 AND THE TRUSTEE INDENTURE ACT ALL DEBTS ARE THE RESPONSIBILTY OF THE UNITED STATED VIA TITLE 18 USC 8. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. AMERICAN FIRST IS COMMINTING FRAUD ON CONSUMERS OF THE UNITED STATES AS THIS ACCOUNT WAS FOR HOUSEHOLD PRIMARY GOODS. AMERICAN FIRST HAS LISTED ACCOUNT AS RETAIL INSTALLEMENT AGREEMENT WHICH IS INCCORRECT AS IT WAS A CREDIT SALE PER THE LAW. AMERICAN FIRST HAS CHARGED THE DEBT OFF ON ITS TAX ROLE AND COLLECTED VIA THE 1099A AND 1099C. AMERICAN FIRST AND ALL PARTIES ARE COMMITTING FRAUD. THE CONSUMER CREDIT CONTRACT ALSO LACKS THE REQUIRED NOTICE PER THE LAW : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. ( c ) Compliance with the requirement
12/07/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AR
  • 720XX
Web
I do n't even know if anything can be done about this but I wanted someone to know about it. It has been a rough year for me payments wise. I got behind on one in particular. I bought a new mattress in XXXX of last year. I was told the price was XXXX XXXX and XXXX XXXX dollars. It was financed through American First Finance. I signed everything and on some level this is my own fault for not reading everything but I was never given a copy of that contract. I 'm not exactly sure how they are charging for interest or exactly how much I have left to pay down. I can get online and look at some information but it 's not very specific. It will only show my payment schedule not an itemized bill. It will only show the payoff amount not how much I still owe overall. My biggest problem with them is that I went back to a job I hate back in XXXX. When I was getting my first paycheck this company took XXXX late payments out without my express authorization and left me with XXXX dollars. I called and was about to start cussing but I wo n't do that because I 've worked in a call center and it sucks. XXXX different people told me there was nothing to be done and that I authorized them when I signed the original paperwork. I asked how much I still owed and one told me over a XXXX still. I had been paying XXXX XXXX and XXXX XXXX dollars and XXXX cents for over XXXX months at this point. I was told my payments would be XXXX XXXX and XXXX a month and they were n't. I suppose that should have been my first clue. I want a copy of what I signed. I want to know exactly what I 'm paying and how much interest and fees are. I think something wrong is going on here. I think a loan shark would give a better interest rate than this company. .
05/12/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34952
Web
Last year in XXXX, I bought a piece of furniture from XXXX XXXX XXXX and the total price was {$2200.00}. The store put me in touch with a lender, called American First Finance, to finance the furniture. Now, my credit is good and I could have obtained financing elsewhere but they unduly influenced me to go through their lender. So, I did not realizing this was not a typical financing agreement ... instead it was an oppressive lease-to-own, which I would have not never agreed to had they disclosed and explained all the terms clearly. I have been paying religiously every 2 weeks {$150.00} for the past 8 months. As I have now paid over {$2800.00}, which does not include the initial processing fee of {$53.00}, I called the store repeatedly in XXXX to get a pay-off amount ... they were not helpful. I finally physically went to the store and that is when I found out that to pay off the debt I would need to pay a total of over {$7000.00}. Now, how can this be legal? This is unfair, deceptive, abusive, undue influence both from the store and the lender, American First Finance. I told the store they could have their furniture back, even though I would be at a loss of near {$3000.00}. But, they said that is not an option. And all of the sudden, the store claims that they have nothing to do with First American Finance. I have attached the transaction report that I requested and obtained from First American to show how unconscionable this deal is. I beg the CFPB to investigate this company and do something. I am a working parent supporting a family of 6 and it is not fair for this company to attempt to extort me like that attempting to charge more than 3 times the value of a furniture in the span of 8 months.
07/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98023
Web
On XX/XX/2022, I shopped at XXXX XXXX located @ XXXX XXXX XXXX XXXX, XXXX, WA for bedrooms sets. We were greeted by a polite individual by the name of XXXX who kindly showed us sets of interest. After choosing 2 different sets, and a full size, and standard king, XXXX sat me down at a work station, and advised my total purchase was {$3100.00}. XXXX stated they had in house financing available, and asked for personal information to plug into his computer. After providing him with my ssn, birthdate, ect, he stated I was approved for financing of {$3500.00} to cover the sets I chose. XXXX stated the Financing was through XXXX XXXX. XXXX also stated American First Finance was offering a 90 day interest free deal if the loan is paid within 90 days. My bedroom sets were scheduled for delivery in XX/XX/2022. Per XXXX, weekly payments of {$92.00} would not begin until the furniture had been delivered. Never once during my visit in the store was I made aware of the interest rates associated with this loan. It was after my visit to the furniture store, I was emailed loan documents directly from American First Finance which reflected a shocking 148 % interest rate. If not paid within 90 days, the total cost of the loan would be well over $ XXXX. Too date, I have paid American First Finance almost {$3200.00}, and according to their website, I still owe {$3000.00}. I feel like this loan is extremely predatory, and consumers should be made aware of the interest rates, and repercussions of not paying within 90 days, prior to signing the loan. American First Finance should be contacting unknowing consumers to confirm they understand responsibilities.
09/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48375
Web
To Whom It May Concern, We purchased two mattresses from XXXX XXXX and they placed the Financing through American First Finance. Shortly after the Mattresses were delivered we moved my Mom to a home. We contacted XXXX XXXX over 25 times to return the mattress. No one contacted us back. We walked into XXXX XXXX to get assistance. They said that American First Finance had to arrange for the mattress to be returned. This going around in circles went on for two months. Then AFF said they don't take returns, They said XXXX XXXX had to pick up the mattress. We were paying {$70.00} week to AFF. We stopped making payments to get someone to help us. We finally got a Lady to help us. It took from XX/XX/XXXX until the very end of XX/XX/XXXX to get help. It took 30 days for them to find someone to come and get the mattress. They advised we had to donate the mattress and they arranged everything. The Company came and picked up the mattress. We called the day the mattress was picked up. They said they were working with the finance department to see what could be done. In the mean time they put this on my Husbands credit report as a delinquent account after they have financially XXXX us. We paid them {$1200.00} so far and they will settle the account for {$450.00}. The mattress we kept was {$990.00}. I have 100 hours on calls trying to get resolution. This is highway robbery and financial XXXX. 6 months of pure XXXX. The two mattresses were {$1900.00}. We returned one and they are still charging us {$1600.00} for one mattress and 6 months of XXXX plus they damaged my credit.
05/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33056
Web
In response to many complaints that I have submitted against American First Finance. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. I've sent American First Finance a cease and desist via the CFPB and certified mail. It is ordered to American First Finance to cease communication with me. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium. So why is American First Finance still communicating with me by furnishing an account to my consumer report? Im aware that a Charge Off by law is the writing off of a debt and the termination of collection activity without release of personal liability. Im aware that write off is removing this asset from the accounting books. I'm aware that collection activity is American First Finance furnishing this alleged debt to my credit report to coerce me into paying this debt. I have not received a 1099 for this and im aware that American First Finance is furnishing their adjusted gross income on my credit report because they wrote this debt off. Im also aware that American First Finance is furnishing false and misleading information on my credit report because of their actions. So if a Charge Off by law is writing off a debt and the termination of collection activity, why are you still reporting this on my credit report? So now Im asking for verification of this debt.
09/05/2022 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
  • 33563
Web
AMERICAN FIRST FINANCE XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards
04/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • ID
  • 837XX
Web
On XX/XX/XXXX, I purchased a refrigerator from American Freight located in XXXX. The total cost of that item was {$2300.00} with tax. There was a finance option available through American First Finance, which is what I signed up for. I enrolled in auto-payment, agreed to pay {$160.00} Biweekly, and paid diligently until today ( XX/XX/XXXX ). Today I decided to check on the status of the payment, and I realized I have thus far paid {$3400.00} and yet still paying for the item I bought. The new total amount of the item is {$8400.00}, and I have no idea when did that happen. I understand there may be some increase in price due to the financing option but I have paid {$1000.00} more than what I signed up for already. What is baffling is, the company wants me to pay {$6000.00} more than the actual price of the item. This is a rip-off of the consumer in broad daylight in the name of a contract. This is an exorbitant amount for nothing, with no justification at all. I do not remember signing this contract at all, if I knew about such hidden claws I would have paid the full amount during the purchase. I called American first finance and they offered " settlements '' in which they asked me to pay another {$1300.00}, {$1000.00}, or {$950.00} extra to close the case ( which is in addition to what is already paid i.e $ XXXX {$950.00} ). This is a rip-off of the consumer in the name of a contract, with no warning, and no written communication in between. I would like a refund of {$1000.00} and close the case.
11/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 76018
Web
I took a an installment loan with American First Finance back in XXXX. I made all of my timely payments and when I called them to give my new card information they advised me it would be updated right away for my next payment for the following month. When the month rolls around and I notice that payment was not taken I called them to get issues resolved. I was told by a representative by the name of XXXX that someone would call me back with an update of why my account was not updated with correct card. As days went by I decided to call back and each time I called I was told someone would reach back out to me. It never happened and when I saw the company reporting on my credit report to XXXX I called American First Finance and requested they fix the issue and remove the negative late payments off of my Transuion report. They advised me it was an error on their part and update with XXXX. It has still not been updated and I ask to speak with a supervisor they never put one on the phone. I was told to send a dispute letter the company and they would research it and fix the problem. They sent me a letter stating they were reporting accurately which was incorrect. I asked then to listen to the calls that I made and they stated there were not any phone calls recorded. This has caused XXXX XXXXXXXX and preventing from trying to save our home because of negative account information. The company is located at XXXX XXXX XXXX XXXX, TX XXXX. If they do not update then I will seek legal counsel.
11/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98422
Web
I went into XXXX XXXX on XXXX XXXX weekend to purchase a washer and dryer. They had a sign up that said low down payment, interest free for 12 months. I have financed things before and you usually pay some down payment then the following month your payment is due. With this company, I paid {$50.00} dollars down and then took the items home. American first contacted me the next day for a payment of {$310.00}. which was pretty rapid. I contacted them and they told me there was nothing I could do. I made a payment with a credit card for the month and then asked that the auto pay be removed and it wasn't it had to be returned. I continued to make the payments online with my credit card from XXXX until XXXX of 2023. Then when i went to pay in XXXX they no longer accepted credit cards as payments. I don't have the cashflow up front so I pay on my credit card then pay my credit card back when I get paid. It now is making me struggle financially due to their change. In addition to the payment debacle. They ended up not having 12 months interest free. It ended up being early payoff. Then once XXXX passed the cost changed from {$1900.00} to over {$4000.00}. I have only had the items for 6 months at this point. Now I am going to have an additional 12 months of payments to pay this off and I will be facing interest on top of that. This company is predatory and really unprofessional. Their lending practices are morally bankrupt and this company should be shut down or more heavily regulated.
05/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 32504
Web
In XX/XX/XXXX of XXXX I found furniture on XXXX XXXX and financing was offered through American First Finance. The total cost of the purchase came out to {$2500.00}. There were to be bi-weekly payments of {$200.00}. On XX/XX/XXXX I contacted XXXX XXXX and asked if they would take the furniture back after seeing that the payoff doubled. The company stated that they would not accept returns. I called American First Finance. I spoke to a representative that stated if the store would not accept the return of furniture. She gave me the option of donating it to a not for profit charity and uploading a form with the charities tax ID info on it. I stated that I didn't have a truck to take the furniture to the said charity and asked if XXXX XXXX would do the pick up. She stated they would not. On XX/XX/XXXX, I called to have a payment deferred since I can not afford to continue to pay on this predatory loan. They rep stated that they could not do a deferrement and offered to cancel the payment scheduled on XX/XX/XXXX. The payment still pulled out on XX/XX/XXXX and I called to see why. I asked for the payment to be refunded as I requested a deferment. The representative placed me on hold and asked when I could make up the payment. I again requested that the payment be refunded and stated that I would like a deferment. The representative explained that the XXXX collection system pulled from my card. This is predatory lending and I would like to return this furniture immediately.
03/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 782XX
Web
I went online, to my Account, to see what the payoff amount was, on XX/XX/20, the early payoff was {$820.00}. I waited to check my account or call the company, to give my payment enough time to process. After I didn't hear anything, from them, I went back online, to check my payment, and it showed up. But it was still showing a balance, so I called the company, Sunday XX/XX/XXXX, I spoke to a representative, he stated he didn't see my payment, I said it's showing up on my online account, then he proceeded to say oh I see it. I asked why is there still showing a balance of, {$300.00} in the early payoff and showing scheduled payments, of XXXX. The rep stated that the XXXX is what I owed, so I asked him, if on XX/XX/20, the payment was {$820.00}, and that's what I paid, why is it a balance, he couldn't explain that to me, so he placed me on a long hold and came back and said, what we will do is refund your {$820.00}, to readjust your account, them get the {$820.00} back, I said no, that don't make sense. He said it should still be the XXXX something, after we adjust your account, I said no, you will keep my payment and close this account out, he kept trying to tell me they will refund, the money, I said no, you will keep the money and close the account, and if you all try to debit my account again I will take y'all to court, on XX/XX/2020, they tried to take the {$78.00}, that caused my account to be charged a {$35.00} Insufficient Funds fee, I called my bank to block them
04/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76065
Web
ON XX/XX/XXXX There was an account opened in my name that is now in collections for {$9300.00} ALSO ON XX/XX/XXXX There was a false collection for {$670.00} under my name that should have been resolved already. 15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions. 15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.
12/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 90247
Web
Hi okay so I purchased some stereo speakers from a stereo store in XXXX XXXX and well was told that I was approved for XXXX $ in credit I thought I was getting credit from them but instead I actually received credit from a bank called AMERICAN FIRST FINANCE and well they had told that my credit had nothing to do with it they just needed a pay stub and that there was automatic payments taken out every time I get paid and I was never really shown a contract or anything I just remember signing a electronic signature on there computer but it was just to verify my info no contract whatsoever so now Ive paid over 1k dollars and I called the finance place to check my balance and they tell me that my balance is over 1.4k Dollars and as they told me they were saying that I had 3 months to pay it off and or else I would be charged XXXX $ per day and Im XXXX yrs old and I help pay my family bills and Im just working part time job and Im paying literally XXXX $ a month just instetest for some XXXX $ speakers so my point is that the store never mentioned any of this if they would have I would have paid it off by 3 months or never got the loan this is a scam there signs dont say anything of having to pay all this money and well I wasnt explained the contract so can u please help me resolve this and the company American first finance very rude they dont understand my financial situation not like any other bank they would do anything to take money out of my bank account
09/26/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 63033
Web
My complaint is with a company named American First Finance. A few years ago, I had car repairs done XXXX. I financed the repairs through American First Finance. My vehicle was never fixed, I made a couple of payments to this finance company while I tried to work out the issues of my vehicle. After having to continuously take my vehicle to this shop for numerous issues I decided to take it to another repair shop. I was informed by a different shop that I needed the same repairs that I had been told I had repaired at XXXX. Needless to say XXXX, didn't care that I had receipts from another shop showing they DID NOT MAKE ANY REPAIRS TO MY VEHICLE. None the less I reached out to American First years ago and no one ever investigated my claim. All they did was continue to send me bills. They closed the account in XX/XX/2015 and reported to the credit bureau that I made 2 payments and now the account is closed. Just recently, they keep reporting to the credit bureau that I have missed payments or late payments. They also have changed the amount I owe. I have not received any letters from this creditor stating the amount I owe or why the amount I owe went from XXXX listed XX/XX/2015 on my credit report and then from every month and year after that {$1800.00} so now its saying I owe {$2600.00} ( again ) I have not received any info from this company in regards to what I owe in over 3 years. And when you call them no one will send you anything in writing.
06/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 45040
Web
On or about XX/XX/2021 I applied for an received approval of a leasing agreement with American First Finance. On or about XX/XX/2021 I cancelled the account because the merchant was unable to fulfill my order within the agreement terms of my leasing contract. I spoke with an agent at American First Finance who was kind enough to assist me in closing our my account with American First Finance and I was refunded my down payment. A few days ago, I was checking my credit in readiness to purchase a home and saw that on XXXX credit report American First Finance is reporting that I have an open Auto Loan with them with an open balance of {$2500.00}, which is incorrect. On XX/XX/2021, I contacted XXXX XXXX XXXX and spoke to someone by the name of XXXX who said that American First Finance can not and will not correct the information being reported because according to his record, my account is still open. I asked him about the " auto loan '' and told him that also was incorrect and he said that's how they report all their accounts. I find this information to be highly annoying and incorrect at the least as it's giving wrong information to my current and prospective creditors and I want this information removed from my credit report immediately. This incorrect information is negatively impacting my credit score as it increases my income to debt ratio and it showing that I have an open auto loan with American First Finance, which also is incorrect.
09/17/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33563
Web
The written response you emailed is clearly double and your trying to collect more then original amount.thats not what was signed on original contract. It has become a hardship for me because i cant get anything approved even apartments. your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
01/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • XXXXX
Web
American First Finance continued to charge me for items that I did not receive. When I asked them to update the contract, I was told that they weren't able to do so, but that my balance should reflect the correct amount. Months passed and they continued to withdraw money out of my bank account without the balance changing. When I called to speak with customer service, I was advised that they could not speak with me unless I provided my full social security number since they couldn't validate my address. In addition to this being against my consumer rights, they advised that my address had been changed by someone inside of the store when I had not stepped foot a store. When I continued to ask them who changed it and what store they changed it at, I was told that they couldn't tell me because I couldn't validate the account and would not speak with me about the account unless I provided my full XXXX social security number. The only purchase from them was XXXX queen sized mattress sets. The contract that they continued to honor shows a dining room set that was never delivered and should have been taken off of my contract. They never did. I was severely overcharged for the items purchased from them. I haven't been successful in speaking with them due to my refusal to provide a XXXX social security number ( again, a violation of my rights ). They have now begun reporting false information on my credit profile. This has to stop!
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TX
  • 76002
Web
EXPLOITATION BY AMERICAN XXXX STORE AND AMERICAN XXXX XXXX This is to lodge a complain in respect of the purchase made at the worth of {$1300.00} in XX/XX/XXXX. At the point of the contract, I requested for a one year interest free loan, of which I was made to know that I only qualified for a-three month interest free loan, which I agreed to. Sequel to this, an authorization was given by me for automatic direct deductions from my bank account within the stipulated period of three months by the company. I have not been paying attention to the deductions from my account to know that the company has deducted more than the exact amount needed to be deducted. A mail was received yesterday, XXXX XXXX, XXXX in respect of deductions to be made on XXXX XXXX, XXXX and I pulled a call across to the company only to discover that the said company has deducted {$1500.00} and still expects me to pay a balance of {$1500.00} which is will make the total money a sum of XXXX, making it an excess of {$1800.00}, which is unwelcome by me. I wish to request that the company should refund the excess deductions made from my account, as they purposely spread out the loan beyond three months agreed on, for their own selfish interest which is summarily to me a deceit. This is an unfair business transaction and they are exploiting American citizens by being deceitful and manipulative. Thank you in advance for your timely intervention.
05/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 296XX
Web
I applied online through XXXX XXXX to finance furniture. They udentify multiple programs for financing. The rate noted was an APR of 147 % with 101 days interest free. As I started making my payment still within that 101 days I noticed a small portion of my payment us going to principle. When I contacted them they advised they don't have interest they have a finance fee if XXXX per day. When I applied, there was nothing noted on XXXX XXXX website that stated that. Additionally, they do not se d me any billing statements at all. They told me to create an online account and I can get my bill. I thought creditors were required to provide a statement to their creditors that reflects balance owed and the obligatory payment amount. This is predatory lending at ut best as well as bait and switch. They also advised that they can't draft more money than listed on the contract which helps pay the balance and interest down faster. I think this company needs to be Investigated. I understand tgat there us a difference between finance fees and interest but they misled me to believe that for that first 101 days no additional fees/interest would be assessed until the 102 day if the account was not paid off by that time. I have paid XXXX. Towards a balance of XXXX and XXXX of that has gone to finance charges I did not think existed until after the 101st day. This is predatory lending at its best.
06/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10453
Web
I am writing to dispute a fraudulent account on my report. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter and send me a written explanation of your findings and actions.
10/16/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KS
  • 66106
Web
In XX/XX/XXXX I went to XXXX to have my transmission fixed. XXXX said that they could finance me and put me in touch with American first financial. And I was able to get a loan through American first financial {$70.00} down and {$110.00} biweekly. The total loan was {$2000.00}. I was looking through my paperwork and seen that from XX/XX/XXXX to XX/XX/XXXX only {$200.00} was posted and taken off of the actual principal. I called American first financial on XX/XX/XXXX. The representative said I would had to pay it off within 101 days in order not to get any extra charges. Then the representative came back and told me if I would pay {$700.00} they would call it even. I declined as I wanted to get home and look at my contract. The representative told me that they were fees and not interest rates. I got home and the Annual percentage rate is 144.56 %. So Im alone thats {$2000.00} XXXX end up paying {$6000.00} If I continue to pay it until XX/XX/XXXX. I also called XXXX I did the work on my transmission and referred me to this third-party lender. I asked XXXX who answered the phone at XXXX who said she was the manager why would you send your customers to such a scam loan place that is deceitful and are praying on people who are in desperate need of getting their car fixed. XXXX from XXXX were not speak with me and hung up on me. That was on XX/XX/XXXXXXXX XXXX
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30106
Web Older American
Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. Company = American First Finance, XXXX. XXXX XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. In contacting American First Finance on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from American Freight Furniture. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called American First Finance again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. On or around XX/XX/XXXX, I also completed a disputed/fraud account with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??
09/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76002
Web
In XX/XX/2023, I located a man off of XXXX interested in purchasing some mattresses. I met with the man in XXXX Tx at his place of business to look at the mattresses. We went forward with the sale and he took my social security number, bank information, employer, and driver license information to get me approved for the loan, Once I was approved I put down {$50.00} to start the initial payment plan. The guy told me that he would deliver the mattresses to my home but it would be an additional {$75.00}. I paid him the {$75.00} delivery fee gave him my address and expected to see him later on that evening after he left XXXX XXXX with his family. The guy never showed up to my home with the mattresses. I would call the number listed on the paperwork, but I got no answer from him. AMERICAN FIRST FINANCE ( loan company ) started taking biweekly payments from my bank account of {$210.00} totaling {$250.00} a month. I tried to explain to the company on several occasions that I dont have their merchandise so I should not be charged. They only told me to keep reaching out to the guy that sold me the mattress and it was nothing they could do. AMERICAN FIRST FINANCE took money from my bank account from XXXX - XXXX. I am requesting for my money back for product not received as well as removing the fraudulent account from my credit report.
09/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • FL
  • 33547
Web
Same day of delivery, I told them, immediately, the day of the delivery of their, Thursday, XX/XX/XXXX, at XXXX, that the Fridge was not working properly. -The Fridge, on the lower section is not cooing. -The light will not turn on on the bottom left portion. -The upper right view door does not work/it will not open. -The LED display did not and it still does not display the correct temperature. I called them the very next morning since it was still not cooling/working properly. I was informed to allow 24/48 hours. I did. I called again. Thursday Delivery, Call Friday, Allowed Saturday, Called Sunday Morning : they said they would get back to me. They never did. I called back during the weekday and I repeated my story about not working and was told to allow 24/48 hours. I said I already had, the delivery was on Thursday and that at this point i wanted to return the Fridge/exchange. SHE KNOW TELLS ME THEY ONLY DO RETURNS/EXCHANGES IN THE FIRST 24 HRS!!! I have it in writing that I notified them immediately. I was given the Service Number, they never answer. After being on hold for over an hour multiple times, it is beyond clear they have no intention on selling a working fridge. Please know this is a new Fridge. This was to have dings and I was OK with Cosmetic. I am not OK with none cosmetic.
11/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 77494
Web
I purchased appliance on a 120 days finance cash offer form XXXX XXXX in XXXX XXXX and American First Financial ( AFF ) finance the purchased ( {$1400.00} ). Made payment of {$140.00} every 2 weeks. No problem no issues. However, after the 120 days were up, I'm waiting to get a notice with the final payoff balance, nothing but they continue to take the payments out ; so finally, after several additional payments came out ( {$1600.00} total ) I called AFF and inquired about the payoff balance and was told at that time the payoff balance was ( {$1400.00} ). So, I asked why, and I was told I miss the payoff date and therefore a maintenance fee was assessed. The cost of the appliance double. When I stated this to the rep on the phone, she said she can give me a discount and I can pay off the balance for ( {$890.00} ). I am cool if there is an interest that I have to pay for financing the appliances ( washer/dryer ) but for the interest to be assessed at 85 % -100 % is very predatory practices on the part of the lender. I tried to negotiate a reasonable payoff balance since I have already paid over {$1600.00} for the appliance that were supposed to cost under {$1500.00} but the rep said there was nothing she could do, and that no supervisor was available for further resolution.
05/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 959XX
Web
On XX/XX/2020 I entered into an installment agreement with American First Finance when I had work done on my vehicle at XXXX XXXX XXXX XXXX XXXX. The amount to be financed was {$2300.00}. The application, contracts, disclosures, etc. was filled out and signed online. I was approved and my payment amount was XXXX every 2 weeks. The interest rate was 90 days interest free and if the balance was not paid in the 90 day interest free period, the entire loan amount was subject to a 36 % interest rate. I set up the payment for autopay through my bank and have made 19 on time payments totaling {$2500.00}. I logged into my account on XX/XX/XXXX to check my balance and it was still {$2000.00}. I called and spoke with a gentleman regarding the balance and he informed me that because the balance wasn't paid in full before the 90 day interest free period I am being charged 137 % interest and I still have over 14 months or 28 more payments until the loan would be paid off. By an approximate calculation the total amount I am expected to pay is over {$6000.00} for a {$2300.00} loan at 36 % interest. It doesn't add up or make sense. I believe that this a predatory lending and unethical business practice. I am continuing to make on time payments as agreed until the situation is resolved.
10/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 70815
Web Servicemember
I purchased furniture from a store called XXXX XXXX XXXX XXXX XXXX- I have done this twice before and utilized their financing option. I have paid off both of those balances with no issue and decided to get my sister some furniture for her new home. Today, I was reviewing my credit and I figured I should be close to the end of my balance with American XXXX XXXX finance company ( XXXX XXXX XXXX. ) On my credit report, it shows I still owed XXXX so I logged into the account and found a balance of XXXX XXXX left. I went through my automated payments are realized I have paid over XXXX XXXX to them with an additional XXXX XXXX left to pay. This would me my total payment to them would be XXXX XXXX! My original purchase was only XXXX XXXX!! I called pretty angry to find out what happened. They explained I signed a lease to own, of which I had no idea! The furniture store offered me 90 days interest free otherwise monthly payments to pay off the balance plus interest. No one told me I would be doing a rent to own otherwise I would not have utilized the program! This is robbery to charge a XXXX XXXX FINANCE FEE for a balance of XXXX XXXX! I never signed up for a rent to own and would never have. This should have been retail installments- this is completely incorrect.
05/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32304
Web
In XX/XX/2018, financing for furniture through XXXX XXXX here in XXXX, Florida was obtained through verbal agreement and one signature for delivery service with a salesman. Financing was to begin XX/XX/2018, through American First Finance, in the amount of {$380.00} for 6 months until furniture was paid off. After said 6 months of payments had passed we were informed another {$5000.00} was due in FINANCE FEES AND THAT THIS WAS AGREED UPON BY ELECTRONIC SIGNATURE. None of this ever happened. No documents were ever disclosed, provided, or any other way conveyed. Terms and conditions of an unbelievable {$5000.00} finance fees were absolutely never mentioned, and no further information was ever provided other than a paper with payoff amount and amount of monthly payment, which is taken out automatically. When electronic signature page was requested, in no way was this his signature, electronic or not. Never before have seen an electronic signature in this fashion. Purchase was made through XXXX XXXX here in XXXX, Florida. Complaint against them as well as American First Finance Company. Both establishments have been contacted and we have been summarily and rudely dismissed stating that " maybe we just forgot '' about the financing!
05/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KY
  • 40356
Web
Paid loan off on XX/XX/2020 for {$1100.00}. On XX/XX/2020 the company deducted a payment of {$62.00}. I called the company and was informed the {$62.00} was pending before my payoff and was deducted from the amount. I apologized for my behavior and told them the representative should have informed me of that transaction. On XX/XX/2020, the company deducted SIX payments of {$62.00} causing my account to go negative. Remind you, I paid in full on XX/XX/2020. I called requesting {$500.00} to be put BACK into my account and was told Sorry for the inconvenience but we can only reimburse {$310.00} and the NSF is not the companies responsibility. My account would not be negative and there would not be {$120.00} in NSF fees if this company had not taken SIX payments in a day considering I paid off the loan a month and a half ago. I have a payment history receipt and bank statement to prove the unethical act this company has done. Because of COVID19, Im currently not working and now the money I had to provide for my kids was wrongfully taken and the company will not correct their mistake. Im requesting {$370.00} in payments taken AFTER I paid in full and {$120.00} in NSF fees the company has caused my checking account to accumulate.
10/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98042
Web
I bought the double door oven on XX/XX/2021 for {$2100.00} in XXXX XXXX store in XXXX Wa. They offered credit though American First Finance bank .When I was in store I didnt not received any contract on hand and they told me you will received by email. I did not received by email any contract and after 9 months of payments for {$350.00} so total amount that I paid already {$3200.00} I contacted American First Finance and asked why you charging my card if I already paid {$3200.00} they told me did you see contract I told I never received and my English is limited and I ask for translator but they told they dont have translator. Then they send me contract on XX/XX/2021 and it was the first time I saw contract on XX/XX/XXXX. I was surprised and really upset because I need to repay back not just XXXX but final amount will be {$8600.00} and I dont remember that I sigh anything electronically and if it was signed why I did not receive copy of contract in store.Why nobody explain in store that I need to repay in 100 days full amount plus early repayment fee. Why I did not receive contract in store when I can see all detail and I why when was asking for translator but never was provided. I need your help to solve this problem.
08/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MO
  • 65109
Web
On XX/XX/2022 I went to XXXX XXXX to simply look at furniture. I did not intend on purchasing anything that day, as I didnt have any money on me. They quickly mentioned that I didnt need a physical card in order to make the purchase. This led to me signing up for a rent to own agreement with American First Finance, since thats who XXXX XXXX uses. I dont know which company to blame in this situation. I got my furniture XX/XX/2022, since my move in date was XX/XX/2022. I made 3 payments before my payment was delivered. I was paying for furniture I didnt have for at least 15 days. The agreement had an early pay off option which I intended on using, except my pay off date was not accurate. First, I believe I shouldnt have paid anything until my furniture was delivered. Secondly, my furniture was delivered a day late even though it was ordered the week of XX/XX/2022. Thirdly, I believe my early pay off discount shouldve have been extended due to my first and second reasons. I called American First Finance, and the employee I spoke with slipped up and agreed that American Freight shouldnt have started payments weeks before I got my furniture. Clearly that conversation did not go far, because Im here writing a complaint.
12/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 22401
Web
As reported previously, I was provided with a loan from American First Finance while getting a new couch at XXXX XXXX. I was briefly given areas to sign online- for the loan -- Originally the couch was for XXXX. I was informed by the merchant to attempt to finish the loan as quickly as possible to avoid any interest on it. However, she never mentioned that I would get charged XXXX XXXX on this current loan. I have paid already XXXX. I was informed that they are charging me an annual percentage rate of 169.7 % - I was never told this -- or never was provided to me by the merchant. I was also informed that I will have to continue to pay every XXXX weeks XXXX until XX/XX/2024 to complete a total of XXXX. The couch was XXXX -- - yet they are making me pay XXXX. When the transaction was completed at the merchants I was never given paperwork or anything regarding the agreement either. She obtain a few signatures from me.. telling me how much it would be bi-weekly and that was about it. When I called to obtain a copy of the agreement -- American First Finance stated they will send it via email in 24 hours -- it took them also 4 days for me to obtain it. I have been wrongfully informed of the hidden charges in this loan.
08/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 28540
Web
I was actually helpiing a friend purchase furniture. She picked out furniture that totaled {$1900.00}. XXXX After speaking with the salesman I signed the contract online. I remember asking about the interest rate but never got a full answer. The initial intention was to pay the loan off in 90 days same as cash. Since that time period was not met, I just continued making {$120.00} pymts. every two weeks. Since I've been doing this for 5 mths. now, last night I decided to check the balance. So I sat up an online account with American First Finance and logged in to find that the balance was a whopping {$5000.00}. When I finally reached a customer agent he informed me that figure was correct and the interest rate was 144 % and I actually believe this is a form of unfair and deceptive trade practice. I was naturally appoled and went off. I've never heard of such high rates in my life. Since I couldn't get an understanding with him I hung up and called my bank to stop future payments and then called XXXX XXXX XXXX The next day the company did email a copy of the contract. Although I did sign it online without a clear understanding of all the details, I still believe it to be totally unfair and deceptive trade practice.
11/10/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 601XX
Web
On XX/XX/XXXX, I received an emailed contract from the " debt collector '', American First Finance. Pursuant 15 USC 1692a, American First Finance is a " debt collector ''. The " debt collector '', American First Finance has also used false, deceptive, and misleading representation in connection with this debt. American First Finance is in violation of 15 USC 1692e ( 1 ). It is implied that American First Finance being a corporate business in the United States ( XXXX, Kansas ) since XXXX makes them affiliated with the United States. American First Finance is in violation of 15 USC 1692e ( 2 ) ( A ). Pursuant to 18 USC 8, the term obligation or other security of the United States includes all certificates of indebtedness, hence my contract. Pursuant 26 CFR 301.6323 ( h ) -1, the term security means any evidence of indebtedness issued by a corporation. Per federal law this alleged obligation of the consumer is in fact the obligation or other security of the United States. American First Finance is also in violation of 15 USC 1692e ( 11 ). They did not disclose in the initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose.
10/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89434
Web
I signed up for a company named " American first finance '' to help furnish our new home because paying out of pocket wasn't an option. I was told that my balance for the couches i bought was XXXX XXXX i was NOT informed of any other charges after a certain amount of time. Recently i noticed that I've been paying this off for longer than i had thought so i logged into my American first finance account and it stated that i still owed almost XXXX $ more. I referred back to the email agreement and in a separate email i wasn't aware of being sent it said if i didn't pay off the XXXX $ within a month and a half an additional XXXX $ would be added to my remaining balance. I tried contacting the company to ask why they're trying to charge me two times more than i actually bought the couches for and they told me they cant do anything about it and refused to give me any information regarding my account. I then did some research on this company and a lot of people have been having issues with them fraudantly stealing money, charging their account more and adding more to their bill with out acknowledging the customer. I refuse to continue to make payments on an account that should have already been paid off.
01/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 77494
Web
On XX/XX/2022, I went to XXXX XXXX Texas with the address XXXX XXXX Texas XXXX, XXXX, TX XXXX. I bought a Refrigerator for the amount of XXXX. I Have explain to the sales person that I wanted to pay this as soon as possible and I asked if the have any offer to pay with no interest, He have told me there is an option of paying in 120 days with no interest with American First Finance. When we make the agreement, he asked me for my debit card and also told me he will make everything ready for me so we will have automatically payment for approx. 4 month and also told that I don't need to worry about anything else. I never received the contract as apparently the sales guy wrote my email incorrectly. 4 days ago I have notice that American first finance keep charging me monthly and I start to find put what is going on. So Sales guy make everything on the computer but he put a minimum amount of paying monthly. Now American First Finance is charging an amount of XXXX dollars for the refrigerator, 4 times the real cost. I have contacted an attorney and he told me my first step is to make a complain in here. I will attach the contract. also we have been paying so far XXXX to American First Finance .
12/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 22401
Web
I was provided with a loan from American First Finance while getting a new couch at XXXX XXXX. I was briefly given areas to sign online- for the loan -- Originally the couch was for XXXX. I was informed by the merchant to attempt to finish the loan as quickly as possible to avoid any interest on it. However, she never mentioned that I would get charged XXXX DAILY on this current loan. I have paid already XXXX. I was informed that they are charging me an annual percentage rate of 169.7 % - I was never told this -- or never was provided to me by the merchant. I was also informed that I will have to continue to pay every two weeks XXXX until XX/XX/2024 to complete a total of XXXX. The couch was XXXX -- - yet they are making me pay XXXX. When the transaction was completed at the merchants I was never given paperwork or anything regarding the agreement either. She obtain a few signatures from me.. telling me how much it would be bi-weekly and that was about it. When I called to obtain a copy of the agreement -- American First Finance stated they will send it via email in 24 hours -- it took them also 4 days for me to obtain it. I have been wrongfully informed of the hidden charges in this loan.
05/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • PA
  • 152XX
Web
I had a due date on XX/XX/XXXX. I logged on to the American First Finance Website on that date, and it showed that my next payment was not due until XX/XX/XXXX. I then received a call on Monday, XX/XX/XXXX, advising me that I was past due. I advised of the issue with the website, and the representative told me that the website shows the next due date if the payment is not paid before the due date. I advised this was confusing but the representative stated this is the way the system works and can not be changed. Following this, I advised that I would make a payment on their website, and finished the call. The same day and within the next 7 days, American First Finance has been contacting me in violation of the FDCPA. I had some unexpected medical expenses come up and could not make the payment until this week. The company has continually called in violation of the FDCPA, as they can not call me within 7 days after speaking with me. On the first subsequent call, I advised the rep of this, and he stated that they will continue to call until the payment has been made. I have received 13 calls in violation of FDCPA, because I last spoke with a representative on XX/XX/XXXX.
10/20/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • OR
  • 972XX
Web
I started a short-term " Rent to own '' load with First American Finance , to purchase a couch. I was told in person and confirmed on the contract that I would be able to pay with any format of " Payment Card. '' I have used the card already to make prior payments. They are now refusing to process my payment, claiming that the card is unable to be used. I have reviewed my contract, and there is no limitation of the type of payment method that I can use, nor does it limit me to paying with a debit card. I have chosen to use my Credit card, as I have in the past. They are avoiding providing me a way to close my account, although I have attempted on multiple occasions to pay them the amount owed, with a payment type that is already saved to the account and has been used in the past. They are deceptive and hard to communicate with. They are denying my right to pay my loan in a format we are contractually agreed to pay with and which has already been used in the past. I would not use this rent-to-own partner for ANY reason as they are deceptive and this seems to be a clear issue with providing end consumers with deceptive offers, and a bait & switch methodology.
06/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 78023
Web
On Tuesday XX/XX/2022, I visited XXXX XXXX aka XXXX XXXX XXXX XXXX. I was inquiring about a new set of tires and rims. XXXX XXXX helped me by answering my questions about tires and rims. We went through pricing and she verbally provided options for different repayments for loans. While I was there she had me fill out a 1 page document of basic PII information. Name, DOB, SSN, address, bank info, etc. she provided me with an approval amount XXXX. I was then asked to provide a code/PIN that popped up on my phone via text message. I provided the PIN number it was not until today XX/XX/2022 that I realized she had logged into XXXX XXXX acting as me the consumer creating my profile, adding acct info., and accepting my terms and conditions. I was told on XX/XX/2022, to allow 24 hours to see my loan info. It was in fact not a loan when I logged in utilizing a PIN sent to my cell phone on XX/XX/2022 but in fact a lease where I would pay weekly an amount of XXXX. I have attempted to cancel all day with the business and also American First. They have both said NO even though I have no tires or rims on my vehicle. This business is defrauding their customers everyday.
07/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33156
Web
I received notification on my credit report that a new account was opened in my name at American First Finance for {$3900.00} on XX/XX/2021. After reviewing, I noticed I was a victim of identity theft as several other unsuccessful attempts were made to open credit using my name and information. I immediately called American First Finance and spoke to an associate who advised me to fill out a fraud package on their website. I completed the package and submitted along with a police report on XX/XX/2021 to American First Finance. I was then notified a week later that the American First Finance account was now reported delinquent and now is negatively affecting my credit score. I'm in the process of buying a home and this has caused an issue with my lender therefore, I called American First Finance on XX/XX/2021 to see if I could get any additional information on the matter and the customer service representative ( XXXX in Kansas ) wasn't able to help me. When I asked for a supervisor, I was told she wouldn't speak with me ( XXXX ) as I am not a customer and I just needed to wait. So I'm unable to speak with anyone and now my mortgage loan is on hold.
08/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 77377
Web
I purchased adjustable king-sized bed for {$2500.00}, as agreed for 100 days same as cash on XX/XX/XXXX. So far we have made the following payments monthly withdrawn from our account at {$410.00} on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now they say I still owe over {$5000.00}. I purchased bed on XX/XX/XXXX for {$2500.00} and I have the receipt showing such and there was no discussion on the additional {$5000.00} charge during any of our conversations. I signed paperwork to let them withdraw money from my account. Then they had me sign an electronic document but it was days after the sale of the bed. I just called to ask if the account was paid in full and they said I still owe until XXXX. They assured me that I had signed a contract. I just can't believe how fraudulent this is and not to mention to {$5000.00} owed after you paid {$2100.00} so far. on a purchase of {$2500.00}. They have salesmen at the store not informing people about a 101-day policy that if you go past the date then you would have to pay an additional {$5000.00}. If this was disclosed during the purchase then everybody would walk out of the door.
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30038
Web
I received 2 letters dated XX/XX/21 and XX/XX/21 from American First Finance. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from American First Finance. I called American First Finance and the representative told me that this is for furniture that was purchased at XXXX XXXX XXXX in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. After several weeks of phone calls and sending letter to American First Finance ( AFF Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60626
Web
I have a inquiry From XXXX XXXX in XX/XX/XXXXon the date of XX/XX/XXXX. I have a inquiry from XXXX in XX/XX/XXXX on the date of XX/XX/XXXX. I have a inquiry from American First Finance In XX/XX/XXXX on the date of XX/XX/XXXX. I have a inquiry from American First Finance in XX/XX/XXXX on the date of XX/XX/XXXX. I have a inquiry from XXXX XXXX XXXX XXXX In XX/XX/XXXX on the date of XX/XX/XXXX. I have a inquiry from XXXX XXXX in XXXX on the date of XX/XX/XXXX. I have inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. In XXXX all on the date of XX/XX/XXXX. I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. I have a inquiry from XXXX XXXX in XXXX on the date of XX/XX/XXXX. I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX on the date of XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.
07/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60643
Web
XXXX credit report reflect unknown charges with an unknown company that resulted in a significant negative impact on my XXXX score lowering it from XXXX to XXXX. According to the report, a company named American First Finance ( AFF ) listed a " lease '' opened XX/XX/2023 with an original amount of {$4000.00}, {$1200.00} payment, with 60 days current in arrears. On XX/XX/2023 I connected with XXXX to dispute the recording who disclosed to me that they could not share the AFF account number with me and that I should call the merchant directly. On XX/XX/XXXX, I connected with AFF who refused to look up the aforementioned data to determine legitimacy or correcting ownership unless I shared my social security number with them. I informed them that the account did not belong to me and that I refuse to share personal information surrounding a fraudulent account or transaction. Either the matter was obtained in error or the debt was obtained through identity theft. My identity must have been compromised. The numbers I called in an attempt to resolve this matter are : XXXX XXXX, American First Finance. XXXX XXXX XXXX
04/14/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OK
  • 743XX
Web Servicemember
XXXX XXXX XXXX sold products to me for home. One item ( a dishwasher ) was taken back to store. The financing company XXXX XXXX. did not acknowlege the item. Even after XXXX had contacted several times on having the merchandise IN stock returned and out for sale. XXXX kept charging and drafting from our bank account because we were on auto draft. I had to ask for a refund because of the mistake. The same thing happened the second month. So, I had to ask for a return again. I took my account off auto draft for the item not being returned or recieved in acceptance. XXXX Had been notified several times with months going by. XXXX has been listing on credit late payments or no payments.. Damaging our credit when we were trying to buy home. This has prevented us from buying one or credit going up. This still has not been fixed. Its a never ending problem. THe manager from XXXX and assistant manager at XXXX and XXXX XXXX XXXX has been advocating for us. But, still no fix. Please help us with a resolution. i also have had over 60 emails and 45 calls in 3 months of problems which is excessive due to the situation.
06/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • XXXXX
Web Servicemember
I purchased a refrigerator from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, GA XXXX on Sunday, XX/XX/2022. The refrigerator, delivery, hook up and accessory came to {$2100.00}. I did not want to get a loan for the whole amount and I knew that I would pay it off very quickly. I made an initial payment of {$700.00} ; therefore, I was only getting a loan for {$1400.00}. Today I wanted to make another payment of {$1000.00} ; however, I inadvertently made a bi-weekly payment of {$130.00} so I made a second payment of {$850.00}. The account balance did not reflect those payment amounts. When I checked my bank account they debited {$110.00} and {$760.00}. The account is also showing an early purchase amount of {$1300.00}. I engaged in a chat online with a representative of American First Finance and none of the responses make sense to me. She said that my {$700.00} is a security deposit. I was not told anything about a security deposit when I made the purchase and if you look at the receipt from the store it clearly indicates they took cash in the amount of {$700.00} and the " Lease to Own '' amount is {$1400.00}.
11/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KS
  • 66030
Web
On XX/XX/XXXX I applied for financing through American First Finance, to purchase a washer/dryer from XXXX XXXX ( furniture store ). I paid a processing fee of {$53.00} and the account was opened in the amount of {$1800.00}. The payment schedule was bi-weekly for {$150.00}, with a {$0.00} early buyout period that ended on XX/XX/XXXX, for a 2 year plan. The first payment was due on XX/XX/XXXX. I signed in to the online account on XX/XX/XXXX, paid the full buyout in the amount of {$1900.00}, and have an email receipt showing XXXX balance. I was then charged an additional {$150.00} on XX/XX/XXXX. I called American First Finance to inquire, and was told there were additional fees in the amount of {$150.00}. I requested a refund due to those fees not being disclosed and the refund was placed in my account on XX/XX/XXXX for {$150.00}. I was then charged again on XX/XX/XXXX for {$130.00}. When I called to inquire why I was charged again after my account was closed, I was told the account was reopened when the refund was sent. I was offered a pdf document with a small chart that looked hastily made and unofficial.
07/20/2018 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
  • CA
  • 957XX
Web
XX/XX/XXXX ... .did not take ACH payment which made account late XX/XX/XXXX ... took {$330.00}, couldn't find for over a week and ended up that amount was applies to another persons account. XX/XX/XXXX ... associate did something to our account which made three payments come out within ours of eachother. I told supervisor to please listen to the 'recorded conversation ' and her response was there was a 'learning experience ' rather than financially assist us. XX/XX/XXXX ... recieved letter regarding an amount of over {$1000.00} we were to pay by XX/XX/XXXX, to call and make arrangements for amount due of a different amount. As of that date 1. our account with them doesn't end for another year. 2. we asked for a payoff amount ... period! 3. We had already paid over a thousand at the time of the letter. when we asked for them to correct our negative credit reporting their answer was that because our credit union had disputed the transactions ... ..it was their fault and they would not change anything. We have all documentation from our bank and the emails from the supervisor of the company.
10/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 31326
Web
I was not able to make my first two installments due to account fraud. I let the company i financed a bed through, know this before my 90 day pay off was up, and i arranged a payment of {$100.00}, that one time, and then i let them know i'd try to pay off the balance, in installments, until i was caught up and i had it paid off. They agreed. ( i recorded the conversations with them as well ) The rep had an attitude from the start and she kept saying she only hit the submit button once but my phone starts dinging, from the online app, from my bank stating that i was over drafted. I saw that through the app American First Finance was sucking my account dry and way past the owed amount. Since a year ago, they have kept all of the XXXX dollars they stole out of my account and have gave me the run around about me getting my money back. To add salt to injury, they filed a collection on my credit and harassed me about money i no longer owed and they refused to send me a receipt since they over charged me. then the amount owed is supposedly accruing interest and is on my credit causing further damage.
09/19/2020 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
  • Problem with personal statement of dispute
  • PA
  • 152XX
Web
XX/XX/2020. I spoke with XXXX from American Finance on a recorded line about possibly settling my debt from the closed account. which i then asked that if i can settle for a specific amount of {$400.00} that the account will be settled and removed. this is when XXXX assured me that the account would be settled and removed if i was able to ay the said amount of {$400.00}. since XX/XX/2020 i have been I debating and disputing with American First Finance about the removal and settlement of the account which they now tell me it can not be removed. as of right now this account is showing up negatively on my XXXX report and by XXXX assuring me over a recorded line that the account will be taken care of therefore makes it a binding conversation and i feel as though this company is not doing right by their part of the contract. I haven't received a confirmation number, i have complained and told them i wanted to hear the conversation with XXXX, and i have only received an email with an attachment with transaction history but with no proof of who is receiving payment. I'm trying to buy a house.
03/23/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • IL
  • 615XX
Web
When my account got behind I made a payment agreement with them using my debit card. I had already paid off more than twice the amount of money I borrowed yet because of their insanely high interest rate they still claim I owe them as much as the day I borrowed from them. Anyway using a debit card ever with them is a BIG mistake. HUGE mistake. once I had used my debit card for what was supposed to be a single transaction when I got behind again they started debiting my account with that card on a daily basis. When I called they said that legally they were allowed to do so until my contract was up to date. My contract says nothing of the sort! Do not ever authorize a one time debit payment with this company because until you cancel everything with your bank they will bleed your account dry and not even bother with the contract arbitration that they have you sign. You are better off to use rent a center or aarons than these people. This company is predatory lending at its finest, ripping people off draining their bank accounts and socking bank charges on top of their own charges and fees.
09/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CO
  • 80601
Web
For this loan I was told I had to call to make sure they charged me the right amount so I would pay off the full amount on time. On the second to last payment I called and was told that the two payments were all set and they would be done automatically, and there was no need to call the upcoming month. I was told to just make sure the last payment was taken out of my card. That last month I checked my bank statement and the last payment for this lone had been done. I was surprised when a month later the company reached out and said I owed them {$7000.00} because a balance of {$20.00} had not been paid. I tried to come to an agreement with them since this had been their mistake, they told me they could reduce that balance to {$2000.00}. We insisted that this was their mistake and we did not need to pay this. They said there was a recording where they informed me that there would be a small balance after the last payment but I dont recall this and they refused to show me the recording. And since then they have taken out about four payment of {$76.00} from my account without my consent.
11/09/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 957XX
Web
XXXX business practices to start. On XX/XX/23 I purchased a cheap sofa and 3 mattresses from a little shop in XXXX XXXX Ca. The shop owner advised he could finance the entire amount and all he would need is {$50.00} down. I was unaware that he was putting me in not 1 but 2 very high interest loans. He did explained it was for a 12 month period but he never said how much the payment would be. He pretends to be soft spoken and kind but he is a hustler and the worst kind, he prays on the poor. He creates an environment of chaos, acting confused and flustered stating he was late for church and continually looking at his phone. He also had multiple customer purchases going on while he was inputting my information making it difficult to ask any questions. One of the loans he put me in for {$1200.00} has a {$230.00} with an ending repayment of {$2800.00} after 12 months and the other one is for {$1000.00} with a monthly payment of {$140.00} and ending repayment of {$1700.00}. Ive already made 4 payments on each loan and this is just crazy. That I cant afford to keep paying on these loans
10/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 60651
Web
ON THE XX/XX/XXXX I FINISHED PAYING OFF ( 90 ) DAY LOAN FROM XXXX XXXX XXXX. I WAS TOLD THAT FULL BALANCE WAS DUE SINCE WAS A WEEK LATE DESPITE FACT THE I WAS GIVEN EXTENSION BECAUSE OF ILLNESS. AMERICAN FIRST FINANCE DENIED TELLING ME THAT NO SUCH ARRANGEMENTS WAS GRANTED. AFTER SEVERAL CALLS REGARDING THE BALANCE OWED FOR THE MONTHS OF XXXX AND XX/XX/XXXX AND PLACED ON MY CREDIT REPORT AS MISSED PAYMENTS. AMERICAN FIRST FINANCE ( SEE ATTACHED PAPER WORK ). AFTER NUMEROUS CALLS AMERICAN FIRST FINANCE OFFERED A PROGRAM CALLED ( XXXX XXXX ) IF MADE THREE STRAIGHT PAYMENTS THEY WOULD REMOVED ALL NEGATIVE INFORMATION FROM MY CREDIT PROFILE. I COMPLETE THE PROGRAM IN XX/XX/XXXX THEN I WAS TOLD THE NEXT REPORTING CYCLE THE NEGATIVE INFORMATION WOULD COME OFF MY CREDIT REPORT. ( 90 ) DAYS PASSED AND THE NEGATIVE INFORMATION REMAINED ON MY CREDIT REPORT. AT THIS POINT I FEEL AMERICAN FIRST FINANCE HAVE NOT LIVED UP TO PART OF THE ARRANGEMENT AND THEY CONTINUED TO REPORT MY ACCOUNT AS LATE. I SPOKE WITH THEM A COUPLE OF WEEKS AGO AND I WAS INFORMED THAT IT WAS CHARGED-OFF ON XX/XX/XXXX,
05/09/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IL
  • 60409
Web
I opened an account with American first finance. The account was stated as a 90 day same as cash contract towards my 90 days I received a call from a account representative and we set a payoff date and agreed no other charges would come out of my account until then. American First Finance took money out of my account before the payoff date. My Visa card which we agreed was going to be used for a one tim e payment only had money took out of it 3 times 2 times was unauthorized. XXXX XXXX I had a call from the company I asked to speak with a supervisor so that we could try and settle the account. The representative was rude put me on hold for 20 minutes then said there was no supervisor available and she would schedule a call back for XXXX the call never came and I never talked to a supervisor. The calls continue to come the reps was loud and argumentative.Due to the fact that I could not speak with a supervisor and the rep was argumentative, I told her to cease all call activity and only communicate with me threw us mail and the calls still come.
11/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TX
  • 757XX
Web Older American, Servicemember
America First Finance failed to provide an invoice clearly detailing amounts owed with outstanding balance and failed to clearly identify the type of financing applied for in their marketing. On two phone inquiries, following the mattress purchase when no statement or invoice was received, I was verbally informed that my account balance was {$0.00}. The company drafted my bank account every month since purchasing the mattress, yet increased my balance to a default rate. Further, the company at XXXX XXXX - failed to disclose the rental- purchase terms. It was my understanding that I was applying for product purchase financing not a rent to own agreement. When no invoice was received and the company from whom U purchased the mattress went out if business, I assumed administrative delays for the lack of loan disclosure. Never could I have imagined that my account could ever go unto default status with regular monthly payments and no provision of a monthly statement of account. This company 's practices are deceptive and fees are at usury rates.
04/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MI
  • 48433
Web
On XX/XX/2021, my identity was used to fraudulently open an installment loan for the purchase of appliances at XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. The thief applied for the loan by phone and email through American First Finance and received approval for the loan amount of {$3300.00} from XXXX XXXX. The thief used an old address, old phone number, and was not asked to provide any ID to complete the purchase. The loan application and sales receipts don't even have addresses and phone numbers that match. I have disputed this account with American First Finance and I am being ignored by XXXX bank. XXXX tells me to deal with American First Finance because they are the loan servicer. I have filed reports with the FTC, XXXX, and local law enforcement but all attempts to remove this fraudulent account from my credit have failed. I have been deemed responsible for a debt that I did not initiate, authorize, or received goods for, all because these three companies did not confirm the identity of the person who opened this account.
11/13/2016 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 95337
Web Older American
I obtained a loan to purchase household item. The company is named American First Finance. For the first payment I was supposed to pay it on XXXX/XXXX/2016 but I did not have the funds so I got into a chat session with someone in the company and they were supposed to change my due date. On XXXX/XXXX/2016 at XXXX I received a text message from my bank stating I was {$300.00} in the red. I contacted the company and they said that they would arrange the due date to show the XXXX of every month. They told me that they would not provide me a refund for the {$150.00} that my bank charged me for all the insufficient funds charges but they would adjust my account accordingly. In XXXX they again took the whole payment without reflecting the credit they were supposed to apply to my account. My bank provided me that credit and only paid the company balance between {$210.00} and {$150.00}. To this date they are still charging me the whole payment for the month of XXXX. I let them know that I will not pay another nickle until they fix my account.
04/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53144
Web Servicemember
Per FCRA 623 ( a ) American First Fiancial is in violation of the FCRA. The company is under obligation to only report accurate and updated information. Sending a consumer a copy of contract does not excuse the company for said violation. My account with them has been satisfied in full via Chapter XXXX Bankruptcy. The company has received copy of discharge paperwork and has blatantly refused to update the account to credit bureaus accordingly. Per 15 U.S. Code 1681s-2 Information can not be reported incorrectly. Since the account and the debt associated with it has been satisfied via Chapter XXXX Bankruptcy, the company is knowingly in breach. They are obligated by law to either delete this account and/or update to state " closed or satisfied '' verses " derogatory '' and to delete the payment history, as well as balance. American First Financial 's continual refusal to comply with the laws will allow me to seak punitive damages should they continue to violate the FCRA by knowingly providing inaccurate information to credit bureaus.
06/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95818
Web Servicemember
Voluntarily sought period loan for tires and wheels from a local vendor. During the transaction I was not given a contract, payment plan, or any clauses or provisions regarding interest rate. This occurred XX/XX/XXXX, a day before departing on official business to Maryland for two months. During my trip I noticed payments were automatically debited to my bank account from XXXX XXXX XXXX. I called to inquire. The representative assured me that the payments would take care of the balance, automatically deducted from my account. Relying on the automatic for much of the year. Months later, this XX/XX/XXXX, I noticed the payments continuing past the balance, {$1400.00}, the amount of funds paid to American First was {$1700.00}. I inquired again, it was then I was given a copy of the contract and payment plan. As is, the interest rate was 144 % with a total of 39 payments for a total over {$3800.00} I informed American First I would be file a formal complaint and suspend payment due to their practices and lack in Truth-in-Lending.
11/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 314XX
Web
XX/XX/2018, I called American First Finance about making a payment. I knew I wasn't able to pay my monthly because it's been laid off and was now back to work. I had worked out a plan with them, over the phone ( I recorded every call ) and they promised me a reduction in fees and this program would get my caught up. I authorized only 1 payment out of my account. I concluded the call this immediately I got texts from my bank stating my account was now in overdraft and the overdrafts were increasing! I looked my bank and spoke with them and put in a fraud alert. I had to have all of the charges reversed but American First had stolen over XXXX out of my account and my bank recovered only two of those transactions. I lost over XXXX which was the whole balance owed on the loan and the company refused to give me a receipt, since they had all of the money, or to stop harassing me with collections or even return the money they illegally stole. It's been a year and I get the same run around but now? I'm going about this differently.
10/12/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 24012
Web
I had financed furniture through American First Finance, with the agreement of XXXX semi monthly, then the date from XX/XX/20 - XX/XX/20 they took out 5 payments and another XXXX to close the account, I was told that the loan date was up XX/XX/20. Why would they give you a loan dollar amount that would not match the time of the loan? I tried to contact them and was told that since I was on auto pay they could keep collecting until the debt was settled. I do not think it was made clear at the time of the loan nor at the end that this would be happening. I do not know of any person that has 5 extra payments laying around for a company to continually take out. I had contacted my bank and they are working on getting the last 2 payments disputed, they were from saturday XX/XX/20 but they advised me that since i gave them permission to use my card, it may not help. This was after i knew that they had taken 4 payments out already. I want to know how this is legal. I did not authorize 5 pmts. I did authorize semi monthly payments.
03/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30350
Web
AMER FST FIN HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO XXXX XXXX. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO AMERICA FIRST FINANCE TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. XXXX XXXX HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. XXXX XXXX AND AMERICA FIRST FINANCE HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY.
10/30/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 067XX
Web
An account was opened in my name to which I had reported to the company itself and the ftc. The company in question is refusing to remove my name from the account because they feel I wasn't a victim of identity theft even after I explained the details of how any why it happened, they in turn notify me that that im still being held responsible. I lost my pocketbook that contained my wallet, keys, phone etc. My information was used to create accounts, my debit card was used for purchases as well. No police report was made because they didn't feel a lost bag was anything to report. It wasn't lost in result of a crime ( being stolen ) from what I was told and they can't help with identity theft. I wrote 2 affidavits regarding this and sent it to them, they're rejecting both because it's not from their website. I explained I do not have a printer to print 8 pages, notarize it and mail it out but that all the question asked on their form was addressed. They just referred me back to print out forms from their website.
07/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • GA
  • 30067
Web
I purchased a puppy from XXXX XXXX XXXX and they helped me apply for a loan with this company called American First Finance/ XXXX XXXX XXXX XXXX for {$2400.00}. The retailer where I purchased the puppy from did not advise me out the buy out date and the loan company also did not advise me of the buy out date nor the interest rates via print or electronic disclosure. There was no information given to me in print or through electronic disclosure when I signed up for the loan. I attempted to resolve this issue with the loan company and see if they could work something out with me regarding the buy out option because I never received the information from either company they just began drafting the money from my account without disclosing this information. I tried to speak to a manager at the loan company but when I call the call center all they say is that a manager will reach out to me within 2 business days and I have yet to receive a call. I keep getting the run around from American First Finance.
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48197
Web
This is a formal notice that I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete any account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. Failure to delete the tradeline will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
10/20/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MD
  • 21239
Web
This account reported to the credit bureau late 30 to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. I attempted to call multiple times to resolve the issue with no help just being passed on from one person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next two weeks. I've been told this matter will correct itself and there's nothing more that can be done. in accordance with Fair credit reporting act XXXX account ( XXXX XXXX XXXX XXXX ) and American first finance has violated my rights. 15 U.S.C 1681 section 602 A states the right to privacy. 15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.
05/26/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95380
Web
I called American First Financial on XX/XX/XXXX to pay off a debt. They found my account info only after asking for my husband 's information. The account is solely under me! We were both then referred to a third party that has no record of any of either our information/account. After calling back to speak to AFF and having them give me the gauntlet of questions to pull up my account,, they tell me I owe XXXX $ more than is on my credit report. When asked why such a difference I was only told they report once a month and that the numbers don't need to match. ( This number on my credit report has been the same for months ) We were told to give it 24 hrs for the system to receive our account. We called on Tuesday and after the 6th call American First Financial blocked my husband 's phone number. He had to call from a co-workers phone to get thru. Again today XX/XX/XXXX the third party says they have no record of us and now American First says we need to wait until Friday and try again.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 47130
Web Servicemember
This company has broken several consumer protection laws and has violated my consumer protection rights for over a year now. I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
07/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TN
  • 37042
Web Servicemember
To whom this may concern On or about XX/XX/2019 I XXXX XXXX XXXX called American First Finance and request all auto debits be stopped as I had fraud on my XXXX XXXX XXXX XXXX ( XXXX ) account and needed to close the account. On or about XX/XX/2019 American first Finance attempted to debit a payment causing NSF charge as well as XXXX believed my account was still opened and active delaying the time it took to close the account. On XX/XX/2019 I called American first to request I letter stated that I had previously requested the auto debits to stop. At that time the customer service rep denied the request suggesting an account credit to which I denied. I then request a manager since I was only asking for a letter. The manager also denied the request. At that time, I requested the manger to set a time to retrieve the security interest as stated in Sec 8 and 11 ( 4 ) on my signed contract, to which the manager rejected the request. As such this absolve me of any liability
04/10/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95206
Web
I called American Financing to settle my debt which is {$690.00} and some change, I asked them can we do settlement of at least {$300.00} which they said they would call me back. They didnt call me back or the next day. They emailed back saying they can do 56 % off of my debt which they said I would have to pay {$350.00} and some change, but when I calculated the 56 % for the debt I got {$270.00} and some change I believe. So I called them today and tried to tell them about the problem and he told me know thats what it is and so I asked to speak with a supervisor and he came back and told me he was on the other line and he told me that my supervisor will tell you the same thing. I dont really care to much about paying the {$350.00} but I just dont want people being ripped off like that when trying to settle a debt at a percentage. With my other debt they did the same and when I collected it, it was the right amount I would pay them with the percentage they gave me.
04/22/2023 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
  • OH
  • 437XX
Web
I am filing a complaint with XXXX XXXX XXXX and American First Finance. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to American First Finance regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
02/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92345
Web
On XX/XX/2023 and XX/XX/2023 American First Finance knowingly violated 15 U.S. Code 1692f - Unfair practices section 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. and section 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. in total my consumer rights were violated four times. The receipt showing my payment was accepted and made is dated XX/XX/2023. The cancellation and rescinding of my authorization to use the credit card on file is dated XX/XX/2023. The authorization for use of my credit card for future payments beginning on XX/XX/2023 is dated XX/XX/2023. Any payments attempted or made after XX/XX/XXXX and prior to XX/XX/XXXX should be considered fraudulent.
06/22/2021 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
  • 77494
Web
A month before I moved, I went to XXXX XXXX XXXX for a living room set. I was offered financing and they ran my credit for furniture they initially told me I would have by the first week in XXXX. I moved XX/XX/XXXX. Shortly before moving a received a call from XXXX XXXX XXXX that my furniture was delayed and on back order. I asked if I came in and made different selections would that help get my furniture sooner, and I was told yes. I went and selected all new furniture. I was told I would have everything by the end of XXXX. Now XXXX XXXX XXXX is saying they only have half of the couch ( which is extremely odd ) and an ottoman is on back order and now I won't get the items until some time in XXXX. I want American First Finance or XXXX XXXX XXXX or someone to remove this inquiry from my credit report so I can go elsewhere to purchase with financing. These people ran my credit for something I never received and they likely are never going to give to me.
07/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33406
Web
The company name is American First Finance, they're the most predatory company to exist on the face of Earth. I called and spoke to a representative who stated if I continued to pay my minimum payment the balance wouldn't continue to go up. A balance of {$300.00} has turned into {$1200.00} after already paying almost {$600.00} for furniture that's already in the trash. Ive tried to resolve this issue with them but they do not care. So therefor I have no option but to put a terrible review on XXXX and reporting them everywhere I possibly can. They shouldn't be allowed to get away with this, they're ruining a lot of families credit and pockets over terrible furniture. They need to be shut down ASAP, the most predatory lending scamming I've ever seen. American First Finance should be ashamed of themselves and they should change their names, they don't deserve to be called/named anything with the word American. Horrible, horrible, horrible company.
08/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • WA
  • 98198
Web
I took my car in for some work at XXXX back in XXXX of this year, they offered me financing so I filled out the application and was approved for around XXXX $ through American First Finance. To fix the car issues it cost around XXXX $ and while looking at my bill recently I realized that I had paid XXXX $ for 4 months and that had not lowered the bill at all. I called American First Finance to see what my interest rate was and if it could be lowered, they told me that my interest rate is 144 % and that is the contract that I signed and it can not be lowered. I pleaded with them that over XXXX $ a day during a pandemic for a person who is laid off and is needing to borrow XXXX $ in the first place is making this finance loan very difficult to pay off. They told me there is no way to lower payments or interest so being that 144 % interest rate is very extreme and the goal to pay off the loan seems unattainable I am asking for your help. Thank You
01/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • KY
  • 42240
Web
American First Finance reached out to me regarding a debt collection for couches purchased at a store called XXXX XXXX. I advised them that I never initiated a loan or purchased any couches from a company called XXXX XXXX. They sent me a document to fill out regarding fraud which I completed and returned. However, they continue to state that I got a loan and purchased the furniture. I spoke to another rep who then stated that I purchased the items from XXXX XXXX XXXX. I advised that I purchased my daughters bedroom set from there, but it was paid in full with cash and that I did not obtain a loan. I have sent them proof of the transactions, I proved that I paid in cash and they continue to state that I purchased couches. I was advised to get a police report. However, when I called down to the police station I was told that it happened to long ago and that they can only take a statement. I'm at a loss and do not know what further steps to take.
09/13/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32205
Web
Visited a furniture store looking for bed railings only. Salesman said can get new bed easily apply for credit. I applied and was approved XXXX/XXXX/XXXX for XXXX. I looked through catalog and every bed was too much and he has no idea when I would receive. I liked one bed but he said it was n't in stock and he would call me when it was. Then I started getting calls about a payment coming off my debit card for XXXX/XXXX/XXXX. I only purchased railings from him and told him to call me when gets bed. Never received a call just letters and calls from finance company saying I need to pay. I called the company who said I need to go sign the contract again to change the date. I explained I never signed a contract ever nor do I have any merchandise. A supervisor said they would contact the furniture store and callback on XXXX/XXXX/XXXX. No call was returned. I called on XXXX/XXXX/XXXX only to be put on hold for 30 minutes no resolution. I hung up.
10/01/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 95358
Web
I purchased XXXX $ in furniture from a store that stated 90 day no interest and 20 % interest after the 90 days I filled out a credit app and the store stated I was approved for the XXXX left the store with my new furniture and a store receipt were the store employee wrote my account number on it and a phone number to call if I had any questions when I called 9 months later after paying XXXX per month the company that answered my phone call was American first finance and stated to me that my contract stated 120 % interest and my remaining balance was XXXX I never signed a contract at the store so I requested a copy from AFF and when I received it I discovered my signature had been forged on the finance contract and obligated my to terms I knew nothing about I filed a police report and submitted everything to AFF fraud Dept and the stated it was not fraud and still call me everyday requesting payment and refuse to try to work out this issue
05/25/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 23832
Web
American First Finance Received a good bye letter on XX/XX/XXXX after falling behind over 112 days on payments due to Covid. We are reaching out to you because youve fallen way behind on your payments and were running out of time to be able to keep your account in-house. XX/XX/XXXX received-Current Balance : {$950.00} Amount Past Due : {$580.00} Days Past Due : 112 Paid- {$330.00} same day due to agency representative telling me I owed {$670.00} for pay off amount so I paid half and was to schedule the last payment on XX/XX/XXXX. Representative told me I could not get my payoff receipt balance because he could not see it on the screen. Phone hung up after he attempted to read a script. Called back to confirm payment and was told it went through and I received an email confirmation showing a different balance as well as a different balance after I made a payment. No one could explain why and my payoff amount continues to increase.
11/15/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • MO
  • 631XX
Web
We were at XXXX XXXX XXXX XXXX XXXX in XXXX, MO looking for furniture on XX/X/2017. They were offering a 90 day interest free financing promotion. We were in the process of closing on a mortgage and asked multiple times if a hard credit inquiry would be done for the promotion. We were told that no hard inquiry would be done on our credit. Due to this, we decided to go ahead with the promotion, and immediately after the application was submitted we were alerted to a hard credit pull on our bureau. We immediately contacted American First Finance in XXXX, KS, in order to withdraw the application and have the inquiry removed from our credit history as we did not consent to a hard inquiry. They refused to remove the inquiry from our bureau. The representatives of the furniture store were all under the impression that there was no hard credit inquiry for the promotion, which is the only reason we agreed to move forward with the promotion.
08/19/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CO
  • 80014
Web
I leased a leather couch from American freight and XXXX XXXX Colorado, it was sofa and a love seat on XX/XX/2021 in the amount of {$1300.00} so the delivery date was set 3days After and when they brought the couch it was all scratched out and dusty with finger prints all over it the delivery guy told me it was a used couch they dont have brand new couch in the ware house I found a lot of damages so I called the manager and she told me if I can deal with it before they receive a new merchandise and I told her I cant so I returned the couch on the XX/XX/2021 but as at now the store is still reporting late payments on my credit when I dont even have the items no more I understand there are store policies but since the items were returned I dont have to make no payments and I want it to be removed from my credit or deliver me a brand new couch with no damage I have pictures of the damage I want CFPB to investigate and help me thank you
12/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MI
  • 48219
Web
On Tuesday XX/XX/2022 at XXXXXXXX XXXX I entered XXXX XXXX XXXX XXXX XXXX XXXX '' store to finance some furniture for my household. I was told to fill out an online application to see if I qualify for said loan. At XXXXXXXX XXXX I was denied for the credit after they ran my credit. They told they will send out an adverse action notice to my email address that I provided to them with more details of why I was denied. I still have not received the notice and as far as I know when they ran my credit a consumer credit transaction has to have taken place. Which they did not disclose the material facts with me at the time of the credit application being filled out and I did not receive any furniture. It is unfair that they have discriminate against me after I gave them my social security card number. Pursuing 15 USC 1602 ( L ) my social security card is my credit card so how can they deny me after I supplied them my credit card.
10/24/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92551
Web
American first finance told me that I was able to have interest fee payments for 90 days after I took a personal loan to buy my equipment from XXXX XXXX XXXX XXXX in XXXX XXXXXXXX only to discover that instead of the high interest fees I was told over the phone by the people from XXXX XXXX XXXX XXXX I was charged a financing fee instead, I was never told that over the phone now Im stuck with {$92.00} ( {$3.00} dollars goes to the actual debt, and thats if they dont charge you more fees to restart your debt ) taken every week Ive already paid back the {$2800.00} I borrow but the unpaid balance still shows I owe {$2600.00} I dont even know if its still true but I had also investigated and discovered that American first finance doesnt even have a license to give out loans in California, now my finances are in shambles and I feel like theyre sucking me dry and I feel like Im running out of options
09/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • XXXXX
Web
I negotiated a settlement on an American First Finance account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. I have also attached a copy of my payment of this amount. They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains. American First Finance has removed this item from XXXX and XXXX but not XXXX XXXX. I filed a consumer finance protection bureau complaint with all three bureaus and two removed it. By not agreeing to remove this from XXXX XXXX, American First is continuing to collect on this debt. This is a violation of the Fair Credit Reporting Act AND the Fair Debt Collection Practices Act and punishable by punitive damages under the law.
04/21/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 93702
Web
my loan through American first finance who I did n't know was a long provider has not given me the contract is alone nor have they provided me account number axis to any of my nation I initially got them from the furniture store without even realizing who the buyer was going to be I just recall been approved for {$3000.00} I have since paid {$2400.00} into this loan and come to find out I owed {$3200.00} still because I 've only paid in interest which is right seems pretty illegal to do to me I have no information regarding this well at all I want to resolve this issue I want is taking off then I called in and asked for the pay off in my pale keeps increasing making it impossible for me to pay it off I need help resolving this issue and getting it off my credit report is settling this debt that I no longer care to have this is an unsecured debt according to my credit report
10/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 28451
Web Servicemember
On XXXX XXXX I purchased furniture for XXXX. It was purchased at XXXX XXXX in XXXX Nc. I put down XXXX and XXXX was financed through American first finance who are saying that I still owe over XXXX after paying XXXX every XXXX weeks since XX/XX/XXXX. Ive made over XXXX dollars worth of payments and I put down the deposit. This is predatory lending and they say they dont charge interest. I did not sign the contract my daughter did because the sales person at the store was having problems with their system and the company emailed it to my daughter. These are not the terms outlined to me and I was told by American freight that I would pay the furniture off in a year. They can not give me any clear explanations as to what the secret charges are and Im very stressed and o. The verge of being homeless because they automatically take these payments and the cost of living is so bad
01/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32277
Web
I purchased a sofa from XXXX XXXX and was approved through American First Finance. I was not told that I had a buyout option within 100 days. I found out on XX/XX/XXXX that my balance doubled. I called American First Finance and they told me that I could pay off the balance of {$330.00} instead of the {$880.00}. I called tonight XX/XX/20 and was told that I could not pay the {$330.00} and that I would have to pay the {$880.00}. I am so upset! I work hard and was willing to pay that amount today and could not. This is not fair for hard-working people trying to do the right thing. This is false advertising. They should make every consumer aware of their terms UPFRONT. Now I am being forced to pay double the amount on a sofa. I could've gone to a rental place to pay that ridiculous. I was not expecting this. I feel that they're taking advantage of the consumer. Please advise.
06/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 972XX
Web Servicemember
I tried to look at Furniture through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through American First Finance. I was approved XX/XX/XXXX through American First Finance for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through American First Finance to my bank account. American First Finance began charging me for a loan of {XXXX}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop. I just received a letter from XXXX XXXX XXXX for this fraudulent debt in the amount of {XXXX}, dated XX/XX/XXXX.
01/20/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32818
Web
American First Finance company is scaming people out of money for payments. They charged me XXXX in leasing services and fees on top of the XXXX i owed on the furniture. I made a total of XXXX in payments on the furniture that i took out which are : bed XXXX mattress XXXX box spring XXXX dinette set XXXX dresser/mirror XXXX chest XXXX sectional and ottoman XXXX night statnd XXXX mattress protector- XXXX I sent back the sofa, dinette, dressor/mirror ( to a charity of choice which they said do and keep the reciept and send to them ). I sent them the reciept and they are still saying i owe XXXX. I have read severl reviews on this company and they are doing that to everyone. i have called the company on more than one occasion and they cant tell me what XXXX in leasing fees and serivces comes from or how they break it down " its just something the computer generates ''.
11/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 77449
Web
I got appliances on a rent to own agreement. I was told I could cancel the agreement anytime after initial lease term which was two months. I have been paying {$120.00} a week auto payments for 8 months and was told I still owe over $ XXXX for appliances that cost {$3500.00}. I called the company and they told me I can't terminate lease I can only donate appliances to charity for tax write off and still owe balance. I have never heard of this before. I want to either have company come and get appliances or credit money I have paid for appliances to balance which would pay off items.This was supposed to be a lease to own meaning I can cancel items without purchase. If we can't come to agreement I have spoken to an attorney and will be joining a class action lawsuit that I found out was filed against this company for doing similar tactics against other people.
08/25/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33068
Web
American First Finance have not sent me the necessary information I need to validate the alleged debt. There is a closed account with American First Finance reporting as {$720.00} delinquent which is inaccurate. The debt was charged off and still reporting actively every month on my consumer report. With the account being charged off. I have submitted a 4506-T form to the IRS to get clarification of who received the 1099 form for that account being discharged. The {$720.00} was deemed as uncollectible by American First Finance. There was a write off received by the company. Which make it extremely deceptive for them to try to collect on a debt that is not owed. They have also violated my privacy by furnishing information the consumer did not get to dispute or opt out. They are continuously furnishing information to coerce me into debt that is already paid off
10/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 33169
Web
On XX/XX/20 I placed a call to XXXX XXXX XXXX requesting an extension for a loan that was due on XXXX/XXXX/20. I was unemployed due to COVID-19 pandemic. I was only given a 7 days extension. On XX/XX/20 a payment of {$1000.00} was made to complete the loan agreement and close the account. Several weeks later I noticed that XXXX XXXX XXXX was still debiting payment from my bank account. I called XXXX XXXX and I was told that an account specialist would be contacting. I never received that call. I continued to call them but, no one could help me. I was finally told by one of their reps that there was some false activity done on my account, still no resolution Since then I have received letters from the mail stating that my account is over due and they will send my account to collections and threats stating that I would be reported to credit reporting agencies.
10/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 314XX
Web
I purchased furniture from a store in XXXX. Upon believing that I was paying off my loan in the advertised six month period I found out it was actually a three month span. I was mislead by the loan company and not able to see my contract until it was later emailed to me after the purchase. I did not realize the terms and owe {$2200.00}. Twice the value of my merchandise. I payed all payments on time. The payment was structured and advertised to pay XXXX every two weeks. At this rate the full principle would have been paid at the advertised six months. However the hidden 101 day period was not made clear to me or explained until after the purchase in the emailed contract. Protection of the furniture was declined as I had renters insurance. However it was still charged and the document was sent to me showing that I had accepted the protection payments as well
03/08/2022 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
  • CA
  • XXXXX
Web
Account Number XXXX Name AMERICAN FIRST FINANCE and XXXX are falsely reporting an outstanding balance of {$2400.00}. AMERICAN FIRST FINANCE and XXXX are falsely reporting monthly payment updates/account activity/ active payment history on the account. The account was was charged- off on XX/XX/XXXX. The account is inactive since that time. AMERICAN FIRST FINANCE and XXXX falsified the last payment date on the account. XX/XX/XXXX, the last payment was changed from XX/XX/XXXX to XX/XX/XXXX by AMERICA FRIST FINANCE, there was no payment made. AMERICAN FIRST FINANCE and XXXX are manipulating the statue of limitations by showing activity and negatively impacting my family beyond measure. I've worked really hard to maintain good credit throughout the pandemic. The false appearance of recent derogatory events is impacting my ability to obtain decent housing.
12/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95826
Web
XX/XX/2021 financed a sectional and bedroom set {$2700.00} total. $ 389 monthly payment agreed upon. Ive paid XXXX $ a month since XX/XX/2021 and the total amount due as of XX/XX/2021 is XXXX XXXX I called to report discrepancy and XXXX XXXX refused last name ) stated the most he could do is bring down total to {$1800.00} due that would also need to be paid in 30 days or the original amount financed will take affect. American First Finance advertised no credit check on website however there is a credit check and total amount financed is on my credit report. No they do not report monthly payments just the total amount financed is on there. Upon research it is also discovered that they are unlicensed to do business in California. Over the course of 6 months I have paid {$2000.00} on a {$2600.00} bill yet I still owe {$2100.00} this is highly illegal.
11/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 791XX
Web
Purchased washer dryer for {$1800.00} in XX/XX/2022 from XXXX XXXXXXXX. They recommended American First Finance as a way to lease-to-own. I signed up and W-D were delivered and installed. I received a call from someone at XXXX but I didn't feel comfortable giving my SS # to her and told her I'd call her with questions, assuming I'd receive the contract. I moved here recently and started a new job so forgot about it. This month I thought would be the last payment ( $ XXXX ) as I've paid {$2700.00}. When I went on like I found to pay off the note will be another {$2900.00}. That's a 300 % markup. No way. I called and learned that it's true. How is that possible. If I waited the entire time it would be {$7000.00} - 350 % mark up. I'm fine with a charge. Expected something but not 300 %. It's wrong, a bad business practice, and a hardship for the public.
01/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 92506
Web
I initially borrowed {$680.00}. After the 90 period my balance was {$280.00}. Finance fees were then added bringing my balance to over {$500.00}. Over the next several months, I have continued to incur " finance fees '' on my balance which already includes finance fees. The finance fees are almost equal to my payment, so the balance has remained initially the same. The finance fees on top of finance fees appear to be " double dipping '' and not authorized. Furthermore, the website does not allow you to see your payments or balance like most companies. You have to call and ask them to send you the information. When I did that I received the attached document which displays inconsistencies, so the true nature of my loan is unknown.The print-out does not have my name or account number anywhere on it, so I do not even know if it belongs to me.
07/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 61604
Web
I have submitted payment coupons to this company and they refused my tender of payment. This is for American First Finance and they have also taken unauthorized payments out of my personal bank account. My personal account was added because it was required to finance the furniture that purchased that day but I did not authorize that payment should be removed from my personal account. The payment was removed from my account in XXXX and XXXX XXXX XXXX and they keep sending e-mails to me and calling me to make a payment even though they took the payment without my knowledge. I have sent them a cease and desist order to not contact me via phone or e-mail, only by letter but they have not respected my wishes. Also, the overall amount was just under {$2000.00} but the recent bill that I received said a little over {$5000.00} was owed to them.
05/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28303
Web
XXXX collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.
04/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 28326
Web Servicemember
On XXXX the XXXX, 2022, I purchased a king mattress set a dresser, rug, and washer and dryer from XXXX XXXX, XXXX, NC. American First Finance has predatory lending practices. My credit report has a charge of {$11000.00}. There is no way that little bit of stuff cost that much. The store did not explain to me that that if it wasn't paid i would be charged {$12000.00} for that stuff because if they did I would not have purchased it. That is an astronomical amount to take from a XXXX veteran. I called the American Finance Company and discussed it and told them that I will be contacting your organization and they quickly wanted to offer me a settlement. Their phone customer service said I owe {$1700.00} and my credit report says I owe $ XXXXand the website say {$1600.00}. This company is taking advantage of consumers and it is not right.
07/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MI
  • 48375
Web
Dear CFPB, I am in desperate need of your assistance. We purchased on line two mattresses from XXXX XXXX. Right after delivery we had to put my Mom in a home so we wanted to return one of the mattresses. We left over 25 voice mails for XXXX XXXX. Not one return phone call. We contacted XXXX and they have been wonderful to us and very disturbed by the business practices between XXXX XXXX and American First Finance. The XXXX suggested we file a complaint with against the finance Company because they said there are no returns and XXXX XXXX told the XXXX we accept returns. It has been a complete nightmare and they have strung this out so we are past the 90 days. They have deceptive and corrupt business practices. They are collecting payments in two locations and we asked them to stop all payments until they help us rectify the situation.
05/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • FL
  • 34983
Web
On XX/XX/23 I was told to " apply '' for a loan to purchase my scooter from American First Finance. I was approved for said " loan ''. When the scooter was delivered to my home, I was asked to sign using a tinted XXXX device that had a colored screen protector. I was asked, sign here, sign there etc. Then I received an email from the financing company, that what I had just signed for was a " Rent to Own '' option. Charging three times more than the cost of the scooter. The fees were never discussed or emailed to me. I called the finance company and was told, I can pay it off in 101 days with said fees attached! This is not a " loan '' or a finance of any means. I was scammed into using this company and now have huge fees and penalties to get out of it. American First Finance never communicated any of this information to me prior.
10/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19061
Web Older American, Servicemember
I bought Refrigerator through XXXX XXXX store & 3month finance through American First Finance XXXX101 days to pay off {$1400.00}. There was {$50.00} fee for application that was separate from amount to be financed. So three payments of {$240.00} to be paid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This would leave {$710.00} to be paid in full by XX/XX/XXXX, as XX/XX/XXXX fInance charges would be added. Additional payment of {$500.00} was paid on XX/XX/2022, and the remaining amount of {$210.00} ( this makes it paid in full ) paid on XXXX XXXX. Here it is XXXX & they American First Finance is attempting to take another {$240.00} and I had to put stop payment on it. I am out not only {$35.00}, but American First Finance made a 2nd attempt to take money that they were not entitled to & I have another {$35.00} fee to pay my bank.
07/07/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48203
Web
American First Finance called me in XX/XX/2018. I explain to them I would make a payment on in the first week in XX/XX/2018. I made a payment of XXXX. I was ask to give them a date I could make my next payment. I wasn't able to give them a date. I asked them to not go in my banking account to try to take money out of my account I don't have in my account and every time you all go in my account. I'm charge with a XXXX fee. On XX/XX/XXXX I receive another call about remaining balance. I explain to the agent. I spoke to someone already about the remaining balance I owe and it should be documented in the file. I asked her to please stop calling me. I'm going to pay you all your money. I will give you a call when I get the money. The agent stated we going to keep calling you and you have a bless day and hung up in my face.
05/28/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MN
  • 55449
Web
I took out a loan for {$1000.00} on XX/XX/XXXX from American First FinanceXXXX Bank. Bi-weekly payments of {$77.00} starting on XX/XX/XXXX. I made the first payment on XX/XX/XXXX for {$77.00}. The next payment of {$77.00} was due on XX/XX/XXXX, but couldn't make that payment. Instead I made a double payment to cover the XX/XX/XXXX AND the XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$150.00}, to be caught up. My bank account was debited twice for {$150.00} on XX/XX/XXXX for a grand total of {$310.00} One of the {$150.00} payments that was debited twice was returned back to me. Now on XX/XX/XXXX, the company attempted to debit my account for {$77.00} via my debit card. They state my account is past due, how is this even possible when my next payment isn't even due until XX/XX/XXXX? Something is not right here.
09/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KY
  • 402XX
Web
i answered an add from american freight to purchase a bedroom XXXX XXXX XXXX dollars down on XX/XX/XXXX XXXX they said i had to sign the agreement within XXXX minutes or the offer would not go through so i did as he instructed without having time to read the agreement. later i found out that they were charging a finance charge of XXXX dollars on top of the price of the furniture which is XXXX. if it wasnt paid off in 100 days they were adding XXXX dollars. i also had to agree to pay over XXXX dollars a month on auto pay. im on a fixed income and my account became overdrawn which caused me to have to change bank accounts. after making several payments from my bank account i reached out to american finance to ask for help and they threaten to harrass me by phone if i did not make a payment by XXXX third XXXX
06/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32003
Web
I needed some extra funds to repair my vehicle and to pay off a few bills. I applied for the installment loan last week with the understanding that I would receive payout on Saturday. It is now Thursday and I have not received my funds. This has caused a ripple effect : overdrawn bank account, hundreds of dollars in overdraft fees, denied payment on bills, appointment scheduling. Ive made contact with the institution every day this week, and Ive been told the funds would, not should, but would, for a fact, be in my account by the end of the day. For four days now Ive been told this. I have still not received a single dime. At the same time, Ive accrued {$75.00} in interest on this loan that I have not taken delivery on in one week. Also, my first payment to pay the loan back is tomorrow. This should be illegal.
08/18/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85044
Web
I have reached out to this company multiple times about this situation and at this point Im about to bring it to court. I have emailed and called informing them that I was not the one who signed up with their plan or whatever it is. I also told a week prior to that my personal information had got out including my social security number, phone number and email. I have did two forms now saying that someone stole my information and I spoke to a representative about it and they told me that it would be taken care of because I was able to prove it wasnt me because they didnt have my correct address. I stopped receiving emails from them after I did the second form and the man said the account would get turned off. So you guys need to stop associating me with whoever did this to me and reach out to the company.
03/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 75287
Web
The Predatory Lender American First Finance was a lender I used to get a XXXX for around roughly {$1000.00}. I was set up for biweekly payments and made sure to make each payment full for 3 months. Assured by both parties ( XXXX XXXX XXXX American First Finance after calling ) that I was on track to pay everything off on time without any extra trouble. Today when I pulled up my account- it showed that I suddenly had a balanced owed of {$2500.00}, after making all of my Payments for 3 months. Its very unfair to me because I was ensured multiple times by both parties that I was enrolled and making payments at rate that ensured that the product would be paid off on time without paying triple of what I was expecting. There were also no emails or phone calls to inform me that this was going to happen.
11/11/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 53223
Web
I have informed American First Finance to stop taking payments out of my account bi-weekly that I will mail my payments in. The reason I told them this because they have called me several times when payment arrangements have been put in place, they have been authorized previously to take payments of {$130.00} at one time and they take 2 payments causing my bank account to be overdrawn or me having to rob XXXX to pay XXXX to allow the payment to go thru. I know I have this debt for some furniture that I am more than willing to pay, I just have a big problem with them AFF going into my account at any unauthorized time and for any unauthorized amount. If I say I will mail my payments in, then allow time to receive the payment instead of just creating a debit to my account.
10/19/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33909
Web
I leased a sectional and kitchen table with this company in XX/XX/2020. I was told by the manager at the furniture warehouse that I had 6 months to pay the furniture off same as cash with out interest. I called XXXX XXXX XXXX today, XX/XX/2020, to pay off the remaining balance on my account of approximately {$1000.00}. I was told that I owe {$3400.00} instead of {$1000.00} because my pay off period of 90 days ended in XXXX. This information is directly inconsistent from what I was told when I made my purchase and the representatives of the company engaged in false and misleading practices to acquire my business. I entered into this contract under false pretenses and I would like to rescind the contract or pay off the amount I actually owe, which is {$1000.00}.
10/30/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33068
Web
I have filed 2 complaints with the CFPB in regards to this company. Each time the company refused to respond but decided to send me a one page alleges agreement I had with the company. American First Finance has reported an alleged account in a negative manner to multiple credit reporting agencies. The company has violated my rights to privacy. I did not receive the necessary disclosures or ability to dispute this claim before it was added to my consumer report. This one grace error is causing financial difficulties in my family life and household. I am being denied the ability to a place of abode because of this item reporting as charged off on my report. I am demanding this company to correct this issue by zeroing out this account and deleting this account.
09/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 208XX
Web
I purchased a refrigerator from XXXX XXXX on XX/XX/2022 and was offered what I thought was a line of credit or payment plan for the total close to {$1500.00}. I set everything up to make reasonable, semi-monthly payments. On XX/XX/2022 I received a transaction receipt that showed my remaining balance to be over {$4000.00}! When I logged into my American First account it showed NO copy of the original agreement. I have tirelessly combed through my emails as well. Upon further investigation, it seems this is a COMMON predatory lending practice with this company. I am disgusted. I attempted emailing, calling and using the chat now feature on the website on XX/XX/2022. Moments later the website showed a message that is was down for scheduled maintenance.
03/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • TX
  • 78596
Web
The loan was taken out on XX/XX/2021 in the amount of {$1800.00} with American First Finance. THe loan was presented to me as a no interest loan for XXXX installments. i set an amount to be paid for XXXX the amount for each installment.We asked about a XXXX debt amount listed in the contract and it was explained that as long as we pay the amount in the XXXX installments we would not be charged. We did not recieve a statement and had to go to the website and request a list of transactions to find that a " Rent '' fee mate up {$98.00} of the charge. The word " rent '' does appear in the contract but does not display an amount to be charges. THis is clearly a hidden fee. We now have been charged the full amount of {$7100.00} on a {$1800.00} loan.
06/19/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 400XX
Web Servicemember
The company is American first Finance. The last time I was on my account it was like XXXX. I paid it around XX/XX/XXXX. Now I got on my credit report that I never paid and they say I owe like XXXX. So, they added more and did not update my payment made. I attempted to contact them and they hung up the phone. I never received an email or bill and I thought it was good. My account online showed different amounts and now their interface and online account is different. It does not show past payments and I have no proof they took and it's not visible. My other account with them is not present on there either. It was paid off and still the account showed up before. Now it is not even there, like it never existed. Shady practices ...
12/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • KS
  • 66614
Web
I took out a loan for {$3100.00} with American first finance on XX/XX/XXXX. My first payment of {$88.00} was due XXXX, however when I attempted to sign into their automated account, noticed my SSN was not correct. I reported this to the company on XX/XX/XXXX. They stated a copy of the SS card with the last 4 of my SSN will need emailed. I submitted this to their email at their request. I called 10 days later. The request was not completed and I was told the whole SSN was needed on the card. I emailed it. Was told it would be done in 2 days. I called two days later. It is not updated, but would be in 7-10 more days. I am getting the run around with their company. I want to pay the whole loan off today, but would like my SSN updated first.
08/27/2021 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
  • WI
  • 53223
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/21/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 78132
Web
I received a letter XX/XX/2023 from American First Finance LLC " confirming weekly electronic fund transfers in the amount of {$200.00} will automatically draft from debit card XXXX. '' I did not open this account, do not use debit cards or have a card that ends in XXXX. In reviewing my credit report this account reflects a lease was opened XX/XX/2023 with a balance of {$20000.00}, term of 24 months and a monthly payment of {$870.00}. My credit report shows there is a balance of {$4900.00}. It appears this account was fraudulently created using my personal information as it appears on my credit report. I've filed a police report with XXXX XXXX XXXX XXXX XXXX. The case number is XXXX. Detective XXXX XXXX can be reached at XXXX or XXXX
03/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60432
Web
On XX/XX/2021 I purchased a refrigerator from American First Finance in the amount of {$1400.00} thru their rent to own lease program. On the day of delivery, it was returned to the store because it was the wrong size for my kitchen. I contacted the store to cancel my order and refund the deposit. The store associate directed me to contact AFF customer service. I was told by their customer service associate the account would be closed and I would no longer be billed for the refrigerator. I'm still being billed after several attempts to resolve this matter, American First Finance has been sending harassing calls, bills, and have placed the account on my credit report. The attached rent to own lease contract states the return policy.
03/02/2021 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
  • CA
  • 90062
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30340
Web
I recently made a complaint to CFPB against American First Finance regarding inaccuracies on my credit report. I was contacted by the agency prior to filing the complaint they let me know of the mistake on their end and offered me a refund of the last payment made on the account as a courtesy. I was told the credit report would be updated to state the account was paid in full with a zero balance and that no further action from me was necessary. That is not how the account is reporting. It is reporting there is a balance of {$220.00} and that the account is closed and was charged off as a bad debt. I have attached a screen shot of what is being reported as well as a letter from the company themselves from the last complaint.
08/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OR
  • 97266
Web
I paid well over the amount advertised. They took XXXX dollars out of my bank account every week for a long time after I realized I've paid more then what I should have I cancel the bank account. I wrote to them explaining that I've overpaid they then told me I agreed to pay interest which I never did and asked them to stop reporting negative false information. They closed the account then reopened and tried to take money out of my bank multiple times. I've tried to ask them to provide me with a valid signature from me agreeing to pay interest. The claim I owed XXXX dollars the within 2 months it's over XXXX that's pure insanity.i would please like this dispute to be open so that potential landlords can see I have disputed
12/08/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 32504
Web
I contacted the company on XXXX and explained that I could not continue with payments. The representative I spoke with gave me two options. She stated that I could pay off a settlement which is thousands of dollars I do not have ( because I am going through financial difficulties ) or they could cancel my automatic payments which if not paid by the due date would show as delinquent and report to the credit bureaus. I asked the representative for a supervisor and he repeated the same thing. The company is preying on those in bad financial situations. They either want to to come up with thousands of dollars to pay off a settlement in 30 days or have your credit harmed due to not being able to pay.
10/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • NC
  • 28208
Web
I had to have my vehicle fixed at a local XXXX XXXX XXXX XXXX and they encouraged me to sign up for a loan. Once the work was completed on or around XX/XX/19 I had to bring the car back the next day and then it died a few days later. I informed the bank and the supervisors at XXXX. American First finance assured me the loan was voided and they returned my money. Now that I am no longer driving that vehicle its at a total loss. They are telling me the loan is not voided. I have contacted XXXX XXXX XXXX XXXX to ask that they return the part .I need help to resolve this issue and get all the recorded calls included. I have been dealing with phone calls between the 2 companies for more than 30 days.
01/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CT
  • 06451
Web
I bought furniture with a 100 day same as cash option from American first. My weekly payments were XXXX beginning XX/XX/XXXX. The last automatic payment was XX/XX/XXXX, then a XXXX time payment of XXXXXXXX on XX/XX/XXXX, leaving a balance of approximately XXXX. I tried to do a payment plan, explaining to the representative that I can pay the balance in 2 weeks to avoid XXXX being added to the account but I was notified that that was not an option and the XXXX would be added if the XXXX was not received by XX/XX/XXXX. The account went into default and exorbitant fees were added to the account with a total of XXXX being the outstanding balance, more than the original amount of the loan itself.
06/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 44102
Web
American First Financial was to put me into a holding of the loan or repayment plan, because I started to experience lack of work due to covid-19 early on. Instead they closed off loan and today refused to give me a chance to settle debt. the representative would not even discuss account with me. I told him no collections agency was assign WHY can't I settle it. They added close to {$700.00} in fees I believe. I can't even get a fair print out for account activity. He told me to pay off a large balance somewhere between XXXX ( reported on my credit report ) to XXXX ( by representative ) I believe. I made my payment regularly until this happen. My whole loan was paid except a small portion.
07/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29673
Web
I discovered I was the victim of identity theft when I received a letter from American first finance company text, last month I called the company explained to them I never financed a purchased with them. They traced the purchase to Florida from one of their stores. I filed a police report with my local authorities, I also filed a report with the FTC. I was told they were noting the account as fraud. However, Today XX/XX/XXXX I received another letter as an attempted debit collection. The amount of the debt has increased. I called American First finance and told them again what was happening they put me on hold never returning to the telephone. I dont want this transferred to my credit.
06/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with fraud alerts or security freezes
  • WA
  • 98116
Web
I am very grateful to the FTC for providing excellent resources for remedying my recent identity theft. I am emailing to report a lender for being highly uncooperative about removing a credit inquiry from my report. The lender is American First Finance. I spoke with XXXX on the phone at XXXX XXXX on XXXX, XX/XX/XXXX. This was the highest level of supervisor they were willingto provide. They would not allow me to speak with the frauddepartment. XXXX XXXX stated that theircompany policy is to require a notarized affidavitto file a removal from a credit report. This is even in such a simple situation as when the line of credit was not approved. Here is their form : XXXX XXXX XXXXXXXX
09/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19151
Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. Please change the status to Paid or simply " Remove '' the account, and where is the proof of payment history for this account? These statuses are damaging to my report, which would not be happening if the bureau investigated properly and before posting derogatory information. Per FCRA, reporting must be 100 % accurate or this MUST be deleted.
10/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 61761
Web
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American First bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX XX/XX/XXXX which was not authorized. An official dispute of this activity was sent to American First certified mail with return receipt XX/XX/XXXX however a recently reviewed credit report XX/XX/XXXX still listed the American First inquiry under XXXX. American First is now in violation of my client 's federal consumer rights as they have continued to report a fraudulent related item after receiving official information to conduct a proper investigation and removal.
02/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 95838
Web
I purchased a couch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2019. Acct. # XXXX. I have been making payments on time for months but was never told about the interest being 270.22 % even with making on time payments. I feel very mislead and want to file a complaint to get my money back the interest is extremely unreasonable. I was never told by the store owner that this would cost me over {$2700.00} for a couch that was originally {$800.00}. The couch is falling amount and very poor quality. I want to know what my options are to get me money back for the outrageous interest and all principal I paid to date. I'm willing to give the couch back and for my refund.
05/29/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30058
Web
XXXX XXXX, I purchased a bed from Amercan First Finance in the amount of XXXX. I have paid each month on time since, I received an extension for my last payment to be deducted for XXXX XXXX. I was informed by a represenative that since i did not make the final payment on XXXX XXXX, that i would incur another amount for XXXX. They explained to me that it is in my contract, I was never told verbally that this would be the case, or the was the date to make that last payment. I called today thinking this was be my last payment. I refused to make a payment with this new stipulation that they are verbally informing me about now. I do not want this to become an issue with my credit.
07/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38115
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AMER FST FIN XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
08/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76040
Web
I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
01/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 14228
Web
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from American finance company, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed
02/08/2022 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
  • TX
  • 754XX
Web
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 17104
Web
I recieved an alert about a new account with American First Finance some type of lease with the balance of over {$2000.00} and a new address in XXXX. I disputed that it was not mine and it came back verified. I never lived in XXXX and I have never been late on any of my accounts, I asked them to get the said lease agreement as well as look at the coincedence of new address with the new account.. I tried calling the company and every time I reached a live person and ask what type of company it was and once i say i have no account but it shows on my report they hang up. I have called XXXX times to no avail this company is a fraud. my score has gone down XXXX points.
12/19/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98626
Web Servicemember
First I signed a legal agreement with American First Finance, and told them I will not allow them to take direct payments from my bank account, they set it up as auto debt. This was the first legal agreement they broke. I went to my bank and they will stop any attempt at them trying to use my bank account. According to the information I received from the customer service chat I was able to make payment through email. here is that conversation What email can I pay through, I was told XXXX there is no way to pay through American First Financial 's email. I want these guys out of life. they lie, lie and lie. I refuse to continue with them. They refuse to take payment.
11/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • FL
  • 320XX
Web Older American, Servicemember
Today I received a letter from American First Finance, LLC saying that a loan application at XXXX XXXX XXXX XXXX was denied. Neither I, nor my wife, have ever applied for a loan with this company or AFF. The letter is dated XX/XX/2023 for a loan request supposedly made on XX/XX/2023. Their website 's chat line did not work. I called the company number and, eventually, was given a second number to call. I explained the situation and was told someone would " reach out '' to me. I am concerned that someone, either has some personal information of mine, or that the finance company is grossly disorganized. American First Finance, LLC XXXX XXXX XXXX XXXX, TX XXXX XXXX
06/30/2022 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
  • IL
  • 60124
Web
My identity was stolen over a month ago and I have been disputing charges. I received a bill on XX/XX/XXXX for {$5200.00} from American First Finance. I never applied or received goods for any items. I called American First Finance and they let me know that items were purchased at XXXX XXXX in XXXX, TX. They verified the items were delivered at XXXX XXXX XXXX XXXX, TX. XXXX XXXX has video footage of an XXXX XXXX female purchases the items in the store. I filed a police report and there is an investigation underway. The XXXX police department stated the person who stole my account also stole my drivers license number and created a fake id to purchase these items.
04/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IN
  • 470XX
Web
On XX/XX/XXXX American first XXXX Charged bank for payment at Bank that was taken off the account prior to charging it.Then the same date changed the new bank account the same amount.This was a double payment made to the same loan. The problem is the first payment was drafted from a bank account that was in process of being closed and they at this present time made this account rake up fees that is costing me money overlimit fees and overdraft fees on top of the payment amount that was not in the account. And they still at this time not issued refund or fixed there problem XX/XX/XXXX. PLUS ON TOP OF THIS THEY START THIS WITH DRAWS THREE DAYS BEFORE THEY ARE DUE.
02/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • XXXXX
Web Servicemember
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my XXXX XXXX by reporting fraudulent accounts, this constitutes the crime of defamation. I sent XXXX XXXX XXXX a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.
07/31/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48186
Web
An account with American First Finance was charged off with an owing balance of {$700.00}. I have received an alert stating that the account is reporting with an owing balance of {$2000.00} to my XXXX Credit report. this information is not valid and is a violation of my rights. I would like for this account to be thoroughly investigated. This is a major violation of FCRA 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
11/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 604XX
Web
American First Finance is reporting inaccurate information regarding my account. On XX/XX/XXXX, they reported me as being 30 days late w/a loan balance of XXXX and a XXXX month term at $ XXXX. This has dropped my score XXXX points. My loan payments are $ XXXX, my account is current and my payments are $ XXXX. Its almost like they input someone elses information on my account in error. I have contacted them on XX/XX/XXXX and XX/XX/XXXX and the representative advised me that my issue will be routed to their escalation team and call me back. They apologized for the error and says, their credit team would fix this problem. This account was reported to XXXX.
10/11/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 93313
Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMER FST FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
04/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AR
  • 720XX
Web
I went to XXXX XXXX to get a bedroom suite XXXX I got approved for XXXX credit with American First Finance. XX/XX/2018 ... my payments were XXXX monthly.. I made timely payments and I paid off the furniture but Im now being charged XXXX for fees for not paying it off in 90 days. I am XXXX and work part time trying to make ends meet. They cut my hours after the holidays. I want to pay but I asked them if I could get a lower money payment they said no this is what you signed. But my signing on a computer at the store I didnt know about the extra fees ... nor did I receive a statement saying to pay off early or pay extra fees. What can you do to help me?
05/31/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 66062
Web
1. The company has been calling numerous times daily even after leaving voicemail messages 2. They have effected several payments from my bank without my authority - thereby exposing me to overdraft fees and thereby threatening my overdraft status with the bank. 3. I tried to resolve this a few days ago when I answered their calls regarding a past due account, which I wanted to settle outside the regular semi-monthly payments we had agreed - this is the amount I'm complaining about. 4. In that call on point 3, above, I had requested they move forward the payment days by two days to correspond with my new salary paycheck dates - which they ignored
10/21/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30236
Web
XX/XX/XXXX XXXX..I called American first finance to confirm the amount owed for furniture/oven ... .then I asked my concerning question..since you are automatically drafting my payment each month ..will my payments be equivalent to the amount owed..and the coustomer service rep..answered yes ... Now I pulled my report and it states that I owe..what I started out with for both merchandise ... 1st total was $ XXXX..paid out {$840.00} 2nd total was $ XXXX..paid out XXXX Now it's back to the original amounts I financed ... this is robbery ... that's why I asked the rep would it be equivalent to the amount owed..I never missed a payment..please help
08/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30038
Web
I had a lease to own purchase with American First Finance. I paid my account on time and was never late because I used autodraft. XXXX XXXX weekend, my checking account was compromised, and a new checking number had to be issued. This caused my auto draft to be returned. So XXXX 's payment was returned. I paid the account in full on XXXX XXXX XXXX Despite the fact that on XX/XX/XXXX the account was paid in full. American First Finance reported my account on XX/XX/ as " 30 days past due and Paid " to both my XXXX and XXXX report dropping my score 50 points. On XXXX XXXX XXXX I did not owe a balance to this company. The account was paid off.
02/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 47302
Web
XXXX XXXX I purchased couch pre approved told payment would be XXXXXXXX XXXX not {$190.00}. For a XXXXXXXX XXXX couch if they had interest it would be over XXXX XXXX interest they call it non return lease and won't negotiate price in past for {$3000.00} purchase payments where less than now they are wrong in technic and wrong scamming with so called lease misleading gouging and the computer glitches couldn't see papers signed they were behind counter I also paid XXXX XXXX cash no reciepts for delivery from them leg broke during set up how is the intent gouging with a lease u can't return. Financed though American first finance from XXXX XXXX
08/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 34203
Web
American first finance took out XXXX from one bank account of mine with permission on XX/XX/2019 then same date took out XXXX without permission from my XXXX XXXX XXXX account Ive called multiple times on XX/XX/2019 and everyday until XX/XX/2019 spoke to managers and supervisors all assuring me that the XXXX $ unauthorized payment would be placed back in Monday XX/XX/2019 and XX/XX/2019 which never happened I never authorized direct take out Please help me as this happens to a lot of the customers of American first finance and nothing is ever done Ive reported them to the better business bureau and wrote the corporate office with no response
11/02/2021 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
  • GA
  • 30519
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 to 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. Below is the erroneous account reporting on my Credit Report : AMER FST FIN XXXX
05/30/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WA
  • 98201
Web Servicemember
I have a loan with American First Finance - I was making two payments a month for XXXX each. Then I lost my job due to the pandemic - that was in XXXX - on the XXXX. I got a 14 day extension but I told them I was no longer working and if they could accept one payment vs two a month - they said they couldnt change the loan agreement and I would have to send proof that I wasnt working. They constantly call, and hang up all hours of the day and dont leave messages. The only time I can speak to anyone is when I call, and they tell me the same thing - when can you make a payment and tell me they are going to report this to the Credit Agencies.
12/09/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98626
Web Servicemember
ON XX/XX/2019 I went into the XXXX XXXX located at XXXX XXXX XXXX XXXX WA XXXX and purchased a chair with credit through American First. The agreement was made only on the condition that they would not take out auto payments. This was clear and written into the contract. American First set up auto pay anyway. They broke this contract. I am very fearful that this company will do this again, because they already have broke this contract, and therefore I do not want their product at all, they have said too bad they will not take the product back. I do not want to work with a company who has already broke a legal contract.
06/22/2023 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
  • 33713
Web
I am composing this letter regarding the account number XXXX that your company is presently reporting to XXXX under my name. The account is flagged with a derogatory rating, which greatly concerns me. I am deeply worried about the impact this negative rating may have on my credit standing, especially considering that I was recently denied a loan and my existing credit accounts have experienced an increase in interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and I anticipate it will continue to inflict both financial and emotional hardship until a resolution is reached.
06/30/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • XXXXX
Web Servicemember
American First Finance has attempted to contact me numerous times everyday for the past month, to the point where it has upgraded to complete harassment on their part. They have refunded money to my accounts, only to debit it back out in order to keep their collection tactics active and continue to harass. The amount being collected on has been contested by myself and my financial institution and several stop pays have been initiated, costing me even more money from my bank, XXXX. It has been a true terror dealing with this company and I really hope this report is a warning to other on doing business with American First Finance.
04/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36609
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A 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 written consent. Type this out exactly in this box of you want to input your info and remove instructional verbiage.
01/13/2023 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
  • Their investigation did not fix an error on your report
  • IN
  • 471XX
Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. On the XXXX XXXX I want the late removed and closed account On the XXXX XXXX XXXX XXXX XXXX one They all said it would be soft inquires on my report and they were all hard. I want them removed
01/21/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 700XX
Web
On XXXX XXXX I received a collection notice from American First Finance in regards to a collection account in the amount of {$730.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.
09/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • IA
  • 522XX
Web Servicemember
This company is a predatory lender. Attempted to pay this off within the 90 day window and mysteriously this company would not charge one or more of the payment cards used for payment due to what they told me were problems at their end. They then proceeded to damage my credit. I eventually paid more on this to try to get away from this company but it did not lower the amount owed. I found out that they try to call what they do 'rent to own ' but it is a scam charging you XXXX to XXXX percent interest on what they finance. This is a wholly illegal and predatory company preying on the poor and less fortunate.
04/29/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 782XX
Web
I purchased a washer and dryer from XXXX XXXX XXXX in XXXXXXXX XXXX and it was financed through American First Finance. American First Finance said that if I paid it off by XXXX, it would be paid off through a early buyout plan. I borrowed XXXX dollars to pay it off on XX/XX/2022. I have a copy of the transaction. However American First Finance says that I purchased something else on that date. I never heard of this company until I purchased the washer and dryer. I never purchased anything from XXXXXXXX XXXX XXXX since. I've filed several disputes through XXXX, because, it's affecting my credit score.
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95835
Web
On XX/XX/2019, AMERICAN FIRST FINANCE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AMERICAN FIRST FINANCE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
07/12/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 99354
Web
I have been repeatedly emailed by American First Finance. I have reached out to them repeatedly to give information about the debt they are trying to collect and they have ignored all requests for information. When I call they hang up on me, or do not answer at all, they seem to filter my call. I have written them asking them to provide any and all information about the debt and to cease contacting me. It has made no difference they continue to email, call and harass me. They refuse to give information about the debt or to work in any way to find a solution or answer to what is actually going on.
06/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 64133
Web
On or around XX/XX/2022, I purchased a cabinet from XXXX XXXX in XXXX, Mo. The rep offered a payment plan that would not use my credit if I paid off my balance in 90 days. The process involved verification of a bank account only. I paid off my balance in one month. Now I find that the purchase has been reported as a XXXX on my credit report lowering my credit score. I contacted both the store and American First Finance to ask that the XXXX be removed from my credit report ... XXXXthey refused. I feel they are actively deceiving consumers to get them to apply for credit they may or not need.
01/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 62040
Web
On XX/XX/2020 XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Amer Fst Fin has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
04/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53144
Web Servicemember
Upon reviewing my credit report recently, I noticed an error in regards to American First Finance. It is being reported as derogatory and closed with a XXXX balance, despite this account being satisfied in full. I've sent letters that have been returned and sent emails. The creditor can't seem to find information regarding said account but refuses to delete said account from my credit reports. This is a violation of the FCRA, as only current and accurate information is to be reported. Furthermore, if an account has been satisfied in full then it is illegal to report as derogatory.
10/10/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95207
Web
American First Finance is charging us 145 % interest rate. That is extremely high. I asked if they could re-run my credit report, in hopes of lowering the interest rate. They refused to do that, even though they say there are other customers with a lower interest rate than what I have. I want to pay off the debt, but at that high interest rate, it will take us a very long to pay it. What are my options? If I just do n't pay them, that will probably affect my credit, and will send me to their collections department. But this is so way and above what any company should be charging.
05/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29420
Web
On XX/XX/2022 I went to XXXX XXXX to purchase a bedroom suite . I placed a downpayment of XXXX. Little did I know nor paid any attention to the interest and finance charges. ( My Fault for not looking at the both charges ) However, my intention was simple try to payoff the bedroom suite within the XXXX timeframe. To avoid any interest or/and finance charges. I thought and believed there were no finance charges nor interest until after the 12 months. Which means XXXX XXXX began charging interest and finance charges on XX/XX/2022. Which started accumulating charges the next day.
08/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85203
Web
I wasn't shown any paperwork prior to getting the work done on my car. I was told that I would only have to pay $ XXXX. After the work was done, then I was shown the paperwork and forced to sign the contract or I would not have gotten my car from the repair service. I was told that I had the option of paying off the loan in 100 days, but if not that was fine. Never once until I saw the contract was I told my interest rate would be at 169.53 %! I would've never agreed to an interest rate that high. From everything I've read, the interest rate being charged is highly illegal.
08/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • PA
  • 152XX
Web
American First Finance has not provided me with a billing statement, notification of payments due, or any contact since I filed my previous complaint. I have now received a late payment on my credit report. I have not received any notifications regarding billing statements or payments due since XX/XX/2023. After logging into the portal, I found that I have been assessed an excessive amount of fees, and the balance has increased from {$100.00} to over {$600.00}. American First Finance has violated the Fair Credit Billing Act by not providing any billing notifications.
09/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • XXXXX
Web
I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within two days ( 48hours ) from an agent from the billing department. I was never contacted, rather late payments were reported to my XXXX and XXXX consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29203
Web Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
08/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80528
Web
American First Financial is trying to collect a debt that is not owed. This account should have been closed and not owed, because the items that were financed were never received. I called and spoke to American First Finance and they agreed and closed the account. They then tried to take a payment which was rejected from my bank because I informed them that this money or items were never received. I have filed a fraud report with the FTC- because whomever got the funds from this loan was not me and I DO NOT OWE this money. THE FTC REPORT # IS XXXX
12/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 61761
Web
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Frist of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX and XXXX XX/XX/XXXX which was not authorized. A formal dispute of this was first provided XX/XX/XXXX and again XX/XX/XXXX both were received as confirmed by the return receipt. A credit report current as of XX/XX/XXXX still has this inquiry listed. This is a violation of my clients federal consumer rights and a violation of the FCRA.
06/09/2023 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
  • 30260
Web
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, AMERICAN FIRST FINANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. AMERICAN FIRST FINANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
11/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MI
  • 48134
Web
On XXXX XXXX XXXX I recieved an alert from credit montitering that a new was opened. XXXX XXXX XXXX. Called company and stated that it was opened fraudently, got a form to fill out did so, also filed a Identity theft report with FTC. Disputed account with XXXX. Still company states its my account. They wont tell me my account number, the city the fraud was commited, the product recieved from the fraud nothing. It sounds likethis company is a fraudenlent company. Unfortunetly I have filled out the fraud pappers with my info in the report. XXXX
07/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MI
  • 48238
Web
First of all I made several arrangements to pay my loan and was still being charged a {$30.00} dollar fee with out being explained that everytime I make payment arrangements that there would be a {$30.00} dollar late fee!!! Now I have made payment arrangements for the overdue amount and was told that I would not receive a debit on my account but the company as tryed to debit my account 3 times in one day!!! I also spoke to a representative this morning for {$60.00} dollars on the XXXX of XXXX!!! And they are still continuing to Harassing me!!!
06/28/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 08822
Web
applied for credit at XXXX XXXX XXXX, did not get approved but they offered a program called " XXXX XXXX money '' wheras i get 3 months no interest but have to pay WEEKLY, went by frequency of pay days. So 3 months go by of paying over XXXX per month. Now i find out that ends and they are demanding the balance approx XXXX due or they are charging a very high interest rate daily to accumulate quickly anything i paid back plus. Then its over in 2020 and i have to pay the amount in full, by then the original amount will triple or quadruple
12/29/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60626
Web
I been living out of the country for over 6 years, and to my surprise as I have return home I see a debt that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.
11/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37042
Web Servicemember
I noticed negative reporting from XXXX XXXX XXXX when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt.I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and XXXX XXXX XXXX has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to validate my debt.
07/13/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 454XX
Web
I purchased a a sectional from XXXX XXXX through American First Finance. I was told it was {$50.00} every two weeks. They are taking {$63.00} every week from my account. We have paid {$1000.00} to a couch that was only {$1400.00} to begin with now were being told we {$1700.00} more. This is not what I agreed too nor wanted. Then to have almost {$300.00} taken out of my bank is not right. These were vicious sales tactics. Ive tried explaining we cant afford that every month nor is that what I agreed to and its like they dont care.
03/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 65775
Web
My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for XXXX to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin my credit.
12/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 242XX
Web
I have an account on my credit report that is not mine I have never done business with this company. They have stole my information. My daughter opened an account with them and they are acting as if I own the account. She and I have had a joint account in the past and I feel they stole my information cause I had the best credit. They are reporting a late payment that has dropped my score XXXX points and I cant get them to do anything about it its not my account. I have never or will ever do business with them. Please help
09/10/2021 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
  • PA
  • 19139
Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
12/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • XXXXX
Web
I attempted to call this company to file a complaint since the debt appeared on my credit report but I do not recognize the loan. When trying to file a dispute the company stated they did not find any fraud, however I told them I did not recognize their company name nor did I live in the state in which the loan was taken out ( XXXX ) and told them as such but they claimed there was nothing they could do. I tried contacting the credit bureau stating the report, XXXX, but they claimed no fraud was detected on their end.
03/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48088
Web
I have tried to call this company several times regarding this account. American first finance is reporting my account as a charged off account. I am confused how something is charged off and you are still taking payments from me every two weeks. - Also previously before this I spoke with American first finance and asked them for my buyout information and they were suppose to debit the account while I was in New York for the pandemic. That has never happened. - also I have submitted proof. Please see the attachments.
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 39110
Web
I notified company several times via phone and was told they couldn't find any account in my name. Phone conversations were done in XX/XX/2023. On XX/XX/2023, they finally gave account number and last 4 digits of credit card used to make payments. I have explained that I never opened an account with them nor do I recognize the account on my XXXX credit report. I have since frozen experian, XXXX, and XXXX credit files. Account was opened on XX/XX/2023 with a balance of XXXX. Name of company is American First Finance.
03/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • PA
  • 15101
Web
American First Finance opened an account for someone else using my social security number but not my name. They would not provide me with any other information and now I am having to file police reports and complete affidavits for this. XXXX XXXX which handles credit for these " payday loans '' which I would never get, can not verify me so I now I have to send all this information through the mail. The fraud alert was found on XX/XX/22. I contacted American First Finance on XX/XX/22. I contact XXXX on XX/XX/22.
02/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 61109
Web
I opened an account with American first finance back in XX/XX/XXXX I was told on XX/XX/XXXX of XXXX that my last payment has been posted and that they would be reporting to the credit bureau that the account has been paid off it is now XX/XX/XXXX and it still showing as delinquent on my account I have contacted them several times and made multiple attempts to have them send me the original contract showing at the balance was paid off they have not met any of my demands and I am furious trying to deal with them
09/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • FL
  • 330XX
Web
I purchase a puppy at XXXX and its was super cute and all but the finance company made a deal with me to pay XXXX $ but American first finance!! is charging me more more everyday if I try to pay it off early and when I call them they give me a different story and reason every time its supper sketchy and annoying and it just gives me stress.i wish I was able to research the company before I went through with this, American first finance if you read this YOU GUYS ARE SCAMMERS AND LIERS dont trust them guys!!!!!!
08/11/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93004
Web
American First Finance took {$100.00} out of my account without authorization, or without a notice of charges being taken out. The money was also taken out past business hours so I was unable to call on XX/XX/XXXX. When I called on XX/XX/XXXX and tried getting the issue resolved they said they had no supervisors on duty as it was Sunday so they all take the day off, I would have to call back tomorrow morning. This needs to be resolved and doesnt seem like a legit operation if there are no supervisors present.
06/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 335XX
Web
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
10/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Struggling to pay your loan
  • KS
  • 67401
Web
This is XXXX XXXX and I got a lot of credit through American first finance to repair my car and they ended up taking in total about {$400.00} out of my account which violated our terms of agreement. They were supposed to take XXXX out a week. The XXXX of XXXX to XXXX and from about XXXX to XXXX they took out XXXX and Ive been struggling to pay the weekly and took my account off auto pay and they hit me with all these late fees and that has done repetitive damage against me and I want to term our contract
06/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48340
Web Servicemember
There are 4 inquiries on my account by XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called XXXX to dispute the inquiry and request a letter of deletion under the direction of XXXX, XXXX stated that they could not verify or investigate, nor could they give a letter of deletion. XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.
11/10/2021 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
  • WA
  • XXXXX
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
02/22/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • NV
  • 89123
Web
This company, American First Finance, calls me repeatedly from multiple phone numbers and before XXXX. For example : Today ( XX/XX/23 ) - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX Between the dates of XX/XX/23 - XX/XX/23 I have received XXXX phone calls from this company, XXXX of which were before XXXX. I submitted a complaint to the XXXX for changing my amount owed and ultimately scamming me, and they have been harassing me with these continuous calls.
03/10/2022 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
  • TN
  • 38127
Web
On XX/XX/XXXX I reached out to American First Finance due to inaccuracies on my credit report. I gave American First Finance more than 2 months to respond back before I sent off a second letter on XX/XX/XXXX. Today is XX/XX/XXXX and I still have yet to receive a response back to the dispute that was originally placed on XXXX XXXX. According to the FCRA, they have 30 days to respond back and it's been over 5 months. American First Finance has been in direct violation with the FCRA for 4 months now!
10/01/2021 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
  • 95687
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.
06/16/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SD
  • 57104
Web
When I was making the never report any payment to the credit bureau then when the public health issue started then I lost income and tried to settle account with them for the amount that I had, they have denied the offer for the settlement. After all they report as write off and put my credit score to negative status and then I have paid off the account and they still not able to update the credit score with paid in full status but with paid/charged. I c ok considered this is not fair report.
12/29/2022 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
  • MA
  • 02048
Web
On XX/XX/2021 American First Finance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
04/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38016
Web
I have no knowledge of this account. I called and was told the account was transferred from XXXX XXXX XXXX for which I've never financed any furniture. I reported to police department that my identity was stolen therefore several accounts were a result of theft due to my wallet being stolen. Also, this billing company who placed the account on my credit apparently purchased the account for pennies on a dollar in hoping to collect of a fraudulent account. This debt does not belong to me.
04/30/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44095
Web
I am currently 2 weeks behind on a payment. I contacted the company and acknowledged the issue. On XX/XX/20, between XXXX and XXXX. I received 12 text messages in 1 hour from the company telling me to pay it. I contacted the company and asked them to stop, they said no and it turned into an argument. This contact was made after XXXX and then received 2 text messages again with in the first half hour. So now as I am writing this message, we are at 15 communications in 1.5 hours.
01/19/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • CA
  • 92120
Web Older American
I went to XXXX XXXX in XXXX XXXX to buy an advertised refrigerator. They said if I signed up for a credit service under American First Finance, that I could save 10 % on purchase price. They also said if I paid off within 90 days I would not have any accumulated interest. I went to payoff within a week and they said there was an early payoff fee. They never told me that, or I would have never signed up for that finance. I feel very taken advantage of and this is very fraudulent.
02/29/2020 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
  • Problem with personal statement of dispute
  • IL
  • 601XX
Web Servicemember
I have had an account with American First Finance since XX/XX/XXXX and the company has failed to report my account with the credit companies. I paid the company in full on XX/XX/XXXX. Then I called today on XX/XX/XXXX, XXXX and I was hung up on twice on the phone and the company has failed to report my loan account.. I asked to speak to a supervisor waiting on the phone for over 25 minutes only to be treated rudely and hung up on and he provided no information, his name was XXXX.
09/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • IL
  • 60102
Web Servicemember
I needed car repair, was offered financing via XXXX as their financing option, which I accepted. Upon picking up the vehicle I learned that the financing was at 119.56 %, which is grossly high, and very unfair to someone who needs the financing. I want to complain that the financing charge is far too high and should be reduced to a fair rate, of under 50 %. They are taking advantage of the financially disadvantaged person who can otherwise pay off a loan, and this is a rip-off.
01/27/2023 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
  • CA
  • XXXXX
Web Servicemember
I file a dispute with XXXX XXXX XXXX and the XXXX reporting bureaus and did not received a timely response after multiple letters I sent I got a response that that a remark was placed on my credit. I was not provided with clear evidence of method of validation with regards to XXXX XXXX XXXX. They are reporting past the XXXX year XXXX and have inaccurate factual/errors and have not removed from credit report as required under the XXXX law and within the required time frame.
11/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OK
  • 73071
Web
I applied on XX/XX/2022 for loan. XXXX XXXXXX/XX/2022, I want to pay loan off before interest rates apply. They have my information, but their website shows I do not have an account with them. They ask for a XXXX account number in automatic calling. They provided me with only XXXX. They don't answer the phone number provided. They have failed to openly communicate properly. I feel like they are predatory lending to me, the customer. I want to opt out of their services.
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37013
Web
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.
01/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30135
Web Servicemember
An account was fraudulently opened in my names XX/XX/2020. I notified American First Finance XX/XX/2020 of the fraudulently account, submitted the identify theft affidavit and have sent several follow up letters. I have not been contacted by the company nor has this information been removed from my account. I have submitted police reports and letters from the Federal Trade Commission as well. I need this resolved immediately, this account DOES NOT belong to me.
03/26/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • WA
  • 98513
Web
When I obtained the loan I was told one monthly price in reality it was biweekly. I requested auto pay to be stopped they sent me an email saying it has been stopped but yet the company American First Finance kept billing me. in one day I had XXXX transactions that where not authorized each transaction was over {$75.00}. This company does whatever it wants and will not change unless someone stands up and says you must obey the laws that you are governed by.
05/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33436
Web Servicemember
I applied for financing online ansd I was approved through American First Finance to purchase furniture, I was approved for up to XXXX. However, I purchase for XXXX. I requested a contract and was emailed one that is a rent to own agreement that stated total cost of XXXX. I decide to return the rental property. However, American First Finance said they do not want it back. I just want to return their rental property as I they don't want to take it back.
10/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89032
Web
In accordance with tge fair credit reporting act. This creditor American Finance has violated my rights under 15USC1681 Section 602, states i have the right to privacy. Under 15USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
03/22/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92056
Web Older American
American First Finance I purchased a refrigerator with the option of no interest if paid in 100 days. The amount was {$1000.00} with {$50.00} down payment, leaving {$950.00} to be payed. I paid the loan off before the 1st payment was due. I was charged an early payoff fee {$44.00} or it was called a finance fee. My question is this legal? During my phone calls to XXXX the American First Finance co charged {$0.00} to my XXXX bank credit Card
09/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 756XX
Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
10/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19139
Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
05/26/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33055
Web
In XXXX i requested a loan from American First Finance bank which i paid in full, i even have the payment invoice and the confirmacin of the clased account .I called personally to make the Last payment and asked if l owed {$13000.00} because it appeared in the report from a unin which they told me that l had no debt and today i called and if they confirmed that te debt is not mine, for which i confirm that i have been victim of fraud
12/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OR
  • 97402
Web Older American, Servicemember
The loan was at 148 % for 17 month auto bank payments. at the end of the loan, the american first finance co. began draining my bank account at {$130.00} a day. after several daily thefts, I had XXXX XXXX XXXX reverse the illegal withdraws. at which point American first finance turned the account of stolen money over to the XXXX XXXX XXXX to get back the stolen money and report it to credit services if I do not Pay what they stole!
09/12/2023 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
  • FL
  • 33615
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/05/2023 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
  • FL
  • 33615
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/15/2023 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
  • NV
  • 89122
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/12/2023 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
  • 33613
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/03/2023 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
  • 328XX
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/02/2023 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
  • 33614
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
04/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60608
Web
I have about 39 hard inquiries on my credit report that I do not reconized and did not authorized from different places. I have called two out of the three credit bureuras and was denied when asked them to removed the I was also told I had to wait the two year waiting period so they can fall off. I have contacted they companies that said I gave they permission to do a credit check and I was told it was nothing they can do about it
04/04/2019 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
  • Investigation took more than 30 days
  • WV
  • 260XX
Web
On XX/XX/XXXX I opened an account with AMERICAN FIRST FINANCE I for the amount of {$580.00} on XXXX XXXX XXXX the account was closed as a collection/ charged off and sold to a debt collection agency. In legal rights a consumer is no longer responsible or reliable for a debt one the account is closed or charged off/ sold to a collection agency. This company is still reporting negative remarks on my credit report. As of XX/XX/XXXX.
05/01/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • IL
  • 60563
Web
I was approved for furniture financing and I decided I no longer wanted to make the purchase and asked the store to cancel. The finance company is continuing to withdraw money out my account. They stated the store is pretending the purchase was custom furniture, they stated they have an invoice which would show nothing is custom I have revoked ACH privileges so I 'm sure they will start negatively reporting to the credit bureaus
06/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44146
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 may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
11/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33914
Web
This company is simply robbing people! I understand the difference between capitalism and theft. There is no fine line. This company could not answer how they amortized my loan that I didnt not know I was getting my self into. Or how they can get away with charging over XXXX XXXX XXXX for appliances that dont even retail for XXXX. Simply, this company is charging me {$5100.00} in fees and charges. This whole situation is XXXX
11/01/2021 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
  • MI
  • 480XX
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
12/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90062
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Three Credit Bureaus are reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33179
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 state at a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
07/19/2023 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
  • NV
  • 89122
Web
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
07/18/2023 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
  • IA
  • 505XX
Web
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
07/10/2023 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
  • 33613
Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
07/05/2023 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
  • MI
  • 48858
Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
07/04/2023 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
  • 33615
Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • RI
  • 02860
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 604A Section 2 : It also states a Reporting agency can not furnish a Account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KY
  • 402XX
Web
i purchased furniture from XXXX XXXX. The loan amount was for {$3000.00}. I was never explained that American First Finance APR was 144.60 % As of XX/XX/XXXX, i have paid back {$4400.00}. I have called and asked for the disclosure and they did not provide me with it. I have called and complained numerously to the company. American First Finance refuse to help me, instead they kept withdrawing money out of my Bank account.
12/14/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33404
Web
The company was american first finance debt was for furniture which was pain in time and account was closed.I call the company and ask about the issue and company say the account is closed so i shouldnt be receiving any unpaid amount at all.XXXX my deb was {$890.00} was paid of XX/XX/2020 but on XX/XX/XXXX i check my credit i was a collection for {$1300.00} saying auto loan and that the original amount was for {$1900.00}
06/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19026
Web
In accordance with the fair credit Reporting act 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 may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
01/06/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • XXXXX
Web Servicemember
this is against american first finance and XXXX XXXX XXXX XXXX.. i was financed through american first finance and purchased merchandise through XXXX XXXX XXXX XXXX i did not receive all of the merchandise but both parties were telling me otherwise. i was supposed to receive two twin beds with everything but that was not the case. they conned me. and lied to me and wont close out my account with american first finance
08/23/2021 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
  • 937XX
Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
07/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34120
Web
I got a notification off my credit card email stating my credit score decreased. Very confused, I signed up for XXXX XXXX and found that my credit score decreased because of an unpaid loan. I do not own any sort or type of loan. I live in Florida and this loan company originated in Texas. I called the number and they say they can not help me because they do not know whose loan is under my report without information.
04/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 14228
Web
As of XX/XX/29 this account American first finance an XXXX is reporting as a auto loan Ive disputed this account with the credit bureaus and company repeatedly with there investigation this account remains unchanged and verified with the company after being disputed I HAVE NEVER had a auto loan ever! And explain this to the company and they refused to removed this account for falsely reporting inaccurate information
07/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32246
Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMER FST FIN Account Number : XXXX
05/17/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30344
Web
I keep getting calls starting at XXXX XXXX and ending at XXXX everyday from the same company. They call from multiple numbers so even if I blocked the number the calls still come through. I also receive calls that are unknown from them. Also they will call all at one time. Its highly unprofessionally and annoying that my phone vibrates at work every 2 mins. The calls are ridiculous. Now I even get text messages.
01/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 483XX
Web Older American
THE ACCOUNT FOR XXXX XXXX WAS FOR {$1900.00}. IT WAS SUPPOSED TO BE PAID FOR IN XX/XX/XXXX. I had payment taken out of savings account. because I knew when the account should have been paid in full I did not check my account. When I checked the account, it was discovered that America first continued to take money out in a total of {$4400.00} for a bill only owed for {$1900.00} Their phone number is ( XXXX ) XXXX.
07/31/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 90621
Web
On Monday, XX/XX/2023 I submitted an application to American First Finance company for an extension of credit to XXXX XXXXs located in XXXX, CA. That request was denied with a notice of adverse action without proper explanation for the reason. Under the Truth in Lending Act and the Fair Credit Reporting Act, I'd like to request a written disclosure and the reasons for the denial of the application. Thank you.
10/17/2015 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 93727
Web Servicemember
i went and bought bedroom furniture and after they delivered it and left the loan papers I found out that I was paying more in interest then what I paid for the merchandise. after then furniture is paid off I will still owe them in interest. found out I was paying 120 % in interest when California law is only 10 %. I am not renting the furniture at all as I am buying it on a loan. am inclosing the full contract
01/09/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77459
Web
On XX/XX/2022 I disputed the account with American First Finance. As I looked over the documents I noticed that I was never provided the legal disclosures such as the Truth in Lending disclosures and others. By law, American First Finance is required to provide that to me. I am now requesting this account be deleted from my credit reports due to the many violations of the FCRA, Truth In Lending Act and more.
02/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53092
Web
American First Finance has failed to update my payment history reflecting as paid as agreed. After company pirated unauthorized payments from my bank account to force a completion of a deferred payment plan, they failed to report my account as paid as agreed as promised. Currently this account is reporting as late to the credit bureaus causing me to be unable to secure necessary funding for my business.
11/23/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 283XX
Web Servicemember
american first finance keeps reporting balance of me having to owe them XXXX dollars as of XX/XX/2022. XX/XX/2022 they responded to a previous cfpb complaint that the account was paid in full with a monetary relief. now i am asking them to not only stop reporting this account but also refund me all of the money they took from me and to give me the monetary relief they promised that i never received.
03/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33168
Web
First of all. Anytime I call this company every person that I speak with, tell me something different. I had loan of {$1000.00} from this company. I paid that off. Now I need my payoff letter to take of a mortgage and I'm close to my closing deadline, any time that I call nobody can't help me. This company doesn't care they take no action. I DON'T OWNED THEM ANY MONEY I NEED MY PAYOFF LETTER.
03/14/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 751XX
Web
Company illegally reporting information to credit bureaus under 15 U.S. Code 1681a Chapter 2 states ( 2 ) ExcLUSIoNS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
08/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 93309
Web
I have been having problems with American first finance. I have paid off in full both my accounts one was {$440.00} and {$450.00}. They have not reported it the credit bureau and im not happy. I had to call two months ago because they werent reporting my payments .Why should i have to call them to report that I have paid these accounts off. I did part and paid in full and even early.
11/11/2021 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
  • 93313
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
04/19/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • CA
  • 94577
Web
American First Finance spoke to me on XX/XX/XXXX and XX/XX/XXXX. I told them that I couldn't afford to make my payment. They told me to call back when I could. They turned around and charged my bank account on both days without my authorization. They never told me that they would charge my card. They did and still kept harassing me. I have been called on the XXXX, XXXX, and XXXX.
12/06/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85326
Web
XXXX! Over 30 days ago I sent a letter certified mail to this company requesting them to validate the debt on an account reflecting on my credit. They have yet to provide any documentation. Im requesting this account to be removed from all 3 credit bureaus due to the company not being able to validate the debt with any documentation with my signature showing the debt is mine.
07/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93720
Web
Account Name : AMER FST FIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CH XXXX TRUSTEE ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
05/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75154
Web
I reviewed a current copy of my credit report and show inaccruate information listed. Account name AMER FST FIN Account number XXXX is stating an alleged collection and I understand per FDCPA that a chargeoff can not have an open balance and must report {$0.00}. This account is showing an open balance in the amount of {$1300.00}. I have sent many disputes with no reply.
04/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 397XX
Web
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
09/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • KY
  • 402XX
Web
XX/XX//19 American first financial processed a payment without consent on a closed account ona card that was not on file. Then places me on hold forever stating they were trying to figure out what happened and didnt have an explanation. This is the fourth time that this has occured and I have a voicemail from then stating this issue would not occur again and it has.
05/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NC
  • XXXXX
Web Servicemember
To Whom It May Concern, When I applied for a Personal Loan with American First Finance, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that American First Finance engaged in fraudulent behavior ( unauthorized use of credit card ).
05/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NC
  • XXXXX
Web
I have been in contact with American First Finance regarding my account, which I have requested for them to send me an actual paper statement via USPS and I continue to be denied. I believe that since XX/XX/2021 until recent I have overpaid because I can no longer log into my online account and more importantly I have not received any statements in the mail.
12/29/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93309
Web
I been calling customer service members that work for American first finance to come to an agreement and pay balance owed, but they are asking for close to XXXX when the balance on my credit report shows XXXX dollars. I feel that is not a correct balance I am looking forward to coming to a fair agreement. Customer service members arent participating well.
06/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 334XX
Web
{$120.00} XX/XX/23 {$1000.00} XX/XX/23 My account was charger twice from this company. As a result, I had to close down my account. Ive been receiving multiple letters asking for money. They claim they have authorization for withdraw form an unknown card. Company name : American First Finance XXXX American first finance.com XXXX XXXX XXXX XXXX TX XXXX
04/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32303
Web
I applied for an account at XXXX XXXX for furniture. The store rep XXXX verified that they use XXXX to run any credit requests through American First Finance. My XXXX FICO is XXXX, my monthly gross is {$2900.00} ( {$2700.00} net ), my annual is {$38000.00} and my fianc makes $ XXXX/month. I have the credit and we have the income, yet I was denied.
12/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • XXXXX
Web
American First Finance XX/XX/2022 XXXX : {$1900.00} I looked at my credit report and noticed companies that I did not do business with or authorize any debt under my name. I also did not authorize any transmittal of my information to these companies. I do not know these companies these are fraudulent accounts. Sincerely, To Whom It May Concern
03/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92647
Web
I financed a washer from XXXX XXXX in XXXX, XXXX in XXXX XXXX. I have been paying monthly on time and called to request a pay off balance since I have paid appr. {$460.00} of the {$760.00} I financed, and they stated the pay off balance would be {$690.00}. The interest rate is XXXX XXXX, which is beyond the XXXX installment loan interest cap.
12/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 184XX
Web
I was told during the loan application process there was no interest charge for 6 months. I am presently being charged 169 % interest on my loan. The company is insisting they did not lie and these are just finance charges. The company is using the term interchangeably with interest in order to trick consumer into astronomical interest rates.
10/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30088
Web
On XXXX XXXX, a report on my credit appeared On my XXXX XXXX app about a loan I never received nor even applied for. I immediately disputed it and it was not removed. After numerous attempts to dispute and not clearing it, I called the company who supposedly issued the loan and made no progress over the phone regarding whats happening.
06/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 13208
Web
They canceled my automatic payments without my authorization. which is now showing late payments on my credit report. I called and they waived all fees but didn't report my account as paid on time and delete the late payments from my report. TECHNICALLY THEY IS NO LATE PAYMENTS ON MY ACCOUNT IF THE FEES WERE WAIVED FROM THEIR MISTAKE.
08/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 33781
Web
American FIrst FInance - ( XXXX ) XXXX There are recordings of me making payment arrangements and they continuously keep taking out more than agreed upon. I advised them that I was reporting them for continually pulling out more money than agreed upon. I have stopped paying them due to them constantly compromising my banking account.
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 609XX
Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
10/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NJ
  • 07501
Web
American first finance i have a fraud with a balance {$1000.00} I want to remove that from my account because I have never have account with american first finance. it's coming out in my credit. PLEASE REMOVED THAT ACCOUNT THANK YOU this is my contact number XXXX and my email is XXXX My adress XXXX XXXX XXXX XXXX nj XXXX XXXX
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78537
Web
This is not a duplicate complaint. this is a totally different one. American First Finance failed to complete my request. Did not pay invoice and did not remove tradeline from all consumer reporting agencies, even tho the account is reporting inaccurately. One account has been removed i attached as proof. please see attached
12/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 32301
Web
After cancelling autopay with American First Finance they are still withdrawing money out of my account. When theres no money to cover the amount their trying to pull, I get charged with an overdraft fee. Ive spoke with American First Finance and they refuse to refund the money even though Ive cancelled autopay with them.
11/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91761
Web
I have been a victim of identity theft and i received information that someone in XXXX XXXX has used my information with this company to obtain good that i have no knowledge of AMERICAN FIRST FINANCE is reporting on my credit report as a debt this is not my account and needs to be removed from the reporting bureaus asap.
06/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 32303
Web Servicemember
This company is a scam. I purchased furniture in XXXX. Paid it off in 101 days. They removed my contract off XXXX so I couldnt access it. This company also keep stealing my credit info off of a visa website. This company also charge my XXXX XXXX account with a name that dont even exists or related to the companys name.
09/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MD
  • 21215
Web
I applied for the line of credit for a washer & dryer that cost a total of XXXX total. Finance fees included it was suppose to XXXX. Now 11 months later I paid more then XXXX or more for the units and they saying I owed them XXXX for the units because I missed the pay off time for the XXXX and they charging XXXX now.
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93619
Web
15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
01/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77583
Web
i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.
04/06/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78750
Web
I filled out the identity theft form and provided proof that I don't live in that city on XXXX first and I also reschedule put to them in XXXX letting them know that the account was fraud and they didn't do anything. And everything I try to call they al hang up and can't give any information on what's going on.
05/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OH
  • 43230
Web
I filed a police report with Gahanna.gov and followed up XXXX : XXXX Its with American First Finance. I have continued to report this to credit karma but American First Finance states it was opened legitimately but I dont know what information was used to open the account and Im unable to get that information
09/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77009
Web
In accordance with the fair credit reporting Act XXXX Account # XXXX American first finance violated my rights 15 U.S.C 1681 Section 602 A States that I have a right to privacy 15 U.S.C 1681 Section A 604 A section XXXX A Consumer reporting agency can not furnish a Account without my written instructions
08/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 53224
Web
I have a loan with AMER FST FIN 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, AMER FST FIN and XXXX XXXX with no successful resolution. There was definitely an error on their part.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 95206
Web
I have requested an investigation on several accounts with XXXX, XXXX, an XXXX. The investigation took well over 30 days and this has caused me the consumer a deal of trouble that these accounts have been inaccurately reporting. I gave the credit reporting agencies 30 days to comply and they failed.
06/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 95210
Web Servicemember
I have 3 account with ameriican first finance that is not being reported to my XXXX or XXXX report. They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with AMER FST FIN.
04/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 78516
Web
I went to a tire shop to get new XXXX and XXXX and when I was there the lady tell me that I have 3 months to pay if I. Dont want any interest. I dont make it on time but now that I want to pay the loan I only finance XXXX dlls and they are charging me 300 % interest or a total of XXXX dlls
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33430
Web
I contacted these companies letters on XX/XX/22 which were sent with US certified postage letters about inaccurate information on my credit report and they have not responded to my letters. The FCRA says they are supposed to respond to my request within the 30 days and they have not.
01/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IL
  • 60446
Web
Collections agency on behalf of the original company continued to make harassing calls regarding a debt after being informed that the debt was discharged with Chapter XXXX Bankruptcy. Representative threatened to take additional legal action and notated the account as refusal to pay.
12/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CA
  • 90601
Web Older American, Servicemember
got a loan from American First Financial to buy new tires at a tire dealer. I have no credit cards and am going through bankruptcy. The interest rate was not disclosed to me, I e-signed the docs and later got the statement of XXXX,19 % APR. I was shocked. Is this illegal in CA?
07/30/2021 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
  • FL
  • 34205
Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
11/15/2017 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 53225
Web
This company calls 4-7 times a day from different numbers. They also withdrew money from my checking account that was unauthorized and I had to dispute with my bank. The debt is mine and I owe it, but I should n't be subject to repeated phone calls and unauthorized drafts.
11/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21215
Web
I checked my credit score which dropped XXXX points because if this company that said they close and credit my account in my last complaint. Now my credit have dropped XXXX points because this company saying I owe them XXXX for the merchandise I already paid XXXX for.
08/31/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33068
Web
American First Finance has violated my rights as a consumer. I have made several attempts to resolve this issue with the company. They have yet to respond or adhere to my request. American First Finance is furnishing this debt without providing the proper validation.
04/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98686
Web
American First Finance offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my XXXX credit score dropping it 28 points.
07/22/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Fraudulent loan
  • OH
  • 44281
Web
Derogatory fraud account on my credit report. Talked to XXXX XXXX and American First finance. The finance company told XXXX XXXX information was correct but when I call none of my information matches any accounts they have. Will not help me get it straightened out.
03/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OK
  • 741XX
Web
Called for payoff amount. Paid the amount they told me. Now there adding more interest. Its paid off and they refuse to send me a statement saying that and they refused to let me talk to a supervisor. This is a fraudulent company!!!!!!!!!!!! Straight up.
04/27/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93726
Web
Original Creditor : XXXX XXXX XXXX {$1400.00} - Amount Stated That I Owe **** Requesting **** VOD **** Validation Of Debt **** Date Disputed : XX/XX/2018 Resolution : Account Status Was Updated Requesting VOD - Validation Of Debt This Was NOT Validated
06/01/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 15235
Web
I contact the American Finance Company regarding my old account I attempt to pay it off today XX/XX/2022 and they stated I owe {$560.00} but my credit report states XXXX. The collection agency stated that this's what the Finance Company sent them.
05/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NV
  • 89149
Web Servicemember
This is not my account. I told the company and they are harassing me with calls that come and just hangs up after 1 ring, I call back its them. i told the rep it was not me and she insisted that I need to pay this bill or it will be on my report.
10/25/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 94541
Web
Negligent, the dealer fraudulently signed contracts on my behalf to set payment dates. XXXX is the dealer and American first has done nothing to help me resolve this. I 'm taking XXXX parties to court for violating California XXXX consumer laws.
07/14/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 31210
Web Servicemember
They trying to call me about my loan I had with furniture but I told them the furniture was stolen but they didn't do anything and I want to do is get more furniture and stay a new loan because I can't pay for something I don't have.
04/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32810
Web
Financed a sofa and bed with this company. Paid off principal with interest and then settled, company still saying I owe them money and despite request to stop debiting my checking account, they continue to try and do so
08/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60651
Web
Hello I was XXXX when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and god bless
04/12/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 726XX
Web
On XX/XX/19, they called me 12 times. The phone would ring, and right before voicemail, it would re ring with same number, and did it twice more, making my phone ring constantly for 4 times while bypassing voicemail.
12/06/2022 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
  • PA
  • 19140
Web
Hello, I have a loan closed since 2018 that is not under my authority. I downloaded the XXXX application and that's how I found out I made the police report and it still hasn't been resolved. I hope you can help me
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11520
Web
I have notify XXXX and the company responsible for reporting these account that they are Fraudulent and they need to delete these account from my credit report : XXXX XXXX XXXX XXXX XXXX and American First Finance
10/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37128
Web
America first finance has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX
08/03/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 351XX
Web
This company calls 3-4 times per day every single day. They never leave a voicemail. If I answer there is no one on the line. The picture attached shows the 5 calls between XXXX XXXX. and XXXX. of the same day
06/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 342XX
Web
Charged XXXX additional to American first finance company on a XXXX from XXXX XXXX my identity been stolen hacked need consumer lawyer to contact me My name is XXXX XXXX Email : XXXX Phone XXXX XXXX Florida
02/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29651
Web
I recently discovered that i am victim of identity theft and a loan was open in my name for American first finance, they are calling and reporting inaccurate information to my credit. This debt is not mine.
05/04/2021 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
  • 78245
Web
Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604
11/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30339
Web
An application was pulled in my name for over 7 different companies and I contacted the companies and credit bureau to inform them of my identity been stolen but XX/XX/XXXX has not removed the inquiries.
04/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92345
Web
My account showed as current with a next pay date of XX/XX/2023 on XX/XX/2023. On XX/XX/2023 now shows as past due and that payment is due. This is incorrect as evidenced by the screen shots provided.
09/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 751XX
Web
This company allowed 2 female individuals to get credit under my name at a furniture store. I filled police report and ftc report and have given to American first finance with nothing ever done.
11/14/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 65616
Web Servicemember
American first finance is a predatory lender and I believe they violated state and federal laws protecting consumers. We discussed what was expected and they did something entirely different.
08/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Billing dispute for services
  • TX
  • 77304
Web
I was paying on a washer and dryer from America First Financial, a month before paying off items. I noticed that stated my payment was XXXX which is paying off this item twice..please help
05/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • WI
  • 53218
Web
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
06/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • XXXXX
Web
Kept getting a call from XXXX 's XXXX plus, telling me i was approved for {$2000.00}., I hadn't applied for any credit. They tell me someone had did online American First Finance. XXXX
12/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 342XX
Web
THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE. THEY TOLD ME THEY WOULD CORRECT THIS PROBLEM AND IT'S BEEN MONTHS. THEY ARE STILL REPORTING DAMAGING INFORMATION ON MY REPORT.
01/20/2023 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
  • MI
  • 48021
Web
I WAS NEGATIVELY IMPACTED BY THE COVID 19- PANDEMIC AND I AM REQUESTING THAT YOUR COMPANY REMOVE ALL LATE PAYMENTS FROM MY CREDIT REPORT PER THE HERO ACT ( SECTION 110401 ).
08/17/2021 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
  • 95826
Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
06/09/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92553
Web
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.
05/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • MI
  • 482XX
Web
Someone stole my ssn and applied for a loan for americanfirstfinance without my permission and they did it on my phone I need my ssn shut down please and thank you
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85021
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.
08/13/2020 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
  • MI
  • 48390
Web Servicemember
Inquiry from American First Finance on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30349
Web
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.
02/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60628
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
03/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • XXXXX
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 90706
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
05/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30341
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
03/04/2021 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
  • Investigation took more than 30 days
  • SC
  • 29803
Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
06/28/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • VA
  • 245XX
Web Servicemember
on XX/XX/XXXX i received a letter stating I was denied credit with no credit score now I have a hard inquiry on my credit without proper consideration.
01/14/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 611XX
Web
They call everyday since XXXX/XXXX/17 5 or 6 times a day. I have asked them not to call me or automatically take money from the that i did not set up.
11/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29579
Web
The account is showing as being included in my chapter XXXX bankruptcy on my XXXX credit report, the account was paid off before I filed bankruptcy.
10/26/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60440
Web
I despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63146
Web
I am a victim of identity theft. I have tried to work this out with the creditors but they have been unhelpful. Now Im reaching out to you for help.
08/11/2023 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
  • TN
  • 37209
Web
AMER FST FIN LOST DURING COVID ACCOUNT SHOULD BE REMOVED I DON'T OWE THIS ACCOUNT CHARGED OFF BECAUSE OF COVID UNABLE TO PAY UNABLE TO RESOLVE
09/29/2023 Yes
  • Credit card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33169
Web
Hello, I don't understand what this account on my credit report, can you please delete this account or send me more information. Thank you.
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 060XX
Web
Is this account was paid in full XX/XX/21 and was paid in full early.I need this balance to reflect XXXX balance I have with this company.
07/06/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48235
Web
the debt is old and they sent to a third party without sueing me first. Per the law they need to go though the proper channels first
12/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • AL
  • XXXXX
Web
America first finance took two payments from my checking account. When the loan was made current. The amount was {$200.00} and XXXX.
04/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92345
Web
My payment is not due until next billing cycle as evidenced by the screen shots included but they are saying my bill is past due.
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30340
Web
This account was paid off early and in full on XXXX XX/XX/21. And is reporting to XXXX as Derogatory and collection/charged off.
01/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32960
Web
Negative items showing on my reports. XXXX, American first finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 17055
Web
Sent letter via certified mail, company failed to comply according FCRA guidelines. Company failed to respond within 30 days.
10/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46226
Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
06/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30312
Web Servicemember
Unauthorized Inquirers XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX
04/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • XXXXX
Web
american first finance ac # XXXX paid in full as agreed XX/XX/2023 account still showed a balance on the credit
12/26/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75069
Web
On my credit file it says I owe one amount but when you call to pay it off they are asking for double amount
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 337XX
Web
I have been trying to dispute this fraudulent information from my credit report and they will not remove it.
01/27/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 359XX
Web
XXXX XXXX These account are reporting false amounts. False charges. I demand the accounts be deleted.
07/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 433XX
Web
Pulled credit placed credit inquiries on credit reports I didnt apply for credit with this company
06/09/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23223
Web
I spoke with company paid amount in full they stated will remove it off my credit and didnt
05/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85224
Web
I did not authorize American first finance to pull my credit report on XXXX XXXX XXXX 2019
06/25/2023 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
  • GA
  • 30034
Web
It has been 7 years since and I was told it would be removed and deleted.
06/04/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • SC
  • 29621
Web
My identity was stolen and I have no knowledge of the accounts.
03/20/2020 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
  • MO
  • 631XX
Web
Inquiries on my credit report without my authorization.
09/13/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • SC
  • 29710
Web
This account was charged off and placed on my credit
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29203
Web
I never took out a loan with American first finance
03/27/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 122XX
Web
I didnt receive anything about this debt
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MA
  • 02126
Web
I was never late on this account.
11/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92543
Web
This account isnt mine.
06/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 11203
Web
Account wont go away
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 61107
Web
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90220
Web
01/22/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 751XX
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23230
Web
01/20/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 32305
Web
01/15/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70808
Web
01/15/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 47150
Web
01/11/2024 Yes
  • Credit card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60607
Web
01/08/2024 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 762XX
Web
01/03/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • GA
  • 31405
Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30058
Web
12/31/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11385
Web Servicemember
12/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • 74145
Web
12/22/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 75126
Web
12/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77357
Web
12/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 71854
Web
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19147
Web
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48071
Web
12/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21206
Web
12/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Other advances of future income
  • Confusing or missing disclosures
  • MD
  • 21090
Web
12/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 93551
Web
12/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19124
Web
12/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 36608
Web Servicemember
11/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 72712
Web
11/15/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • AZ
  • 85225
Web
11/08/2023 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
  • FL
  • 33511
Web
10/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70460
Web
10/26/2023 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
  • NV
  • 89147
Web
10/26/2023 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
  • TX
  • 77093
Web
10/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60624
Web
10/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 14211
Web
10/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48314
Web
10/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • MI
  • 48185
Web
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19140
Web
10/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89141
Web
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77096
Web
09/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 40403
Web Servicemember
09/27/2023 Yes
  • Credit card
  • Store credit card
  • Fees or interest
  • Charged too much interest
  • CA
  • 92025
Web
09/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33083
Web
09/12/2023 Yes
  • Debt collection
  • Rental debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27703
Web
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77077
Web
09/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34473
Web
09/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37128
Phone
09/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30038
Web
09/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33055
Web
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08641
Web
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30318
Web
08/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 90621
Web
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 73086
Web Servicemember
08/14/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63385
Web
08/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34986
Web
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92336
Web
08/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78537
Web
08/05/2023 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
  • 30342
Web
08/02/2023 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
  • 75231
Web
07/28/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11412
Web
07/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AR
  • 72113
Web
07/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75240
Web
07/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35040
Web
07/19/2023 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
  • LA
  • 70084
Postal mail
07/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 22191
Web Servicemember
07/12/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78681
Web
07/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NM
  • 87111
Phone Older American, Servicemember
07/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DE
  • 197XX
Web
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 61107
Web
07/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33028
Web Servicemember
07/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30115
Web
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23234
Web
06/27/2023 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
  • 30039
Web
06/26/2023 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
  • TX
  • 78204
Web
06/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30039
Web
06/18/2023 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
  • Investigation took more than 30 days
  • FL
  • 33615
Web
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33711
Web
06/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TN
  • 37217
Phone Older American
06/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33023
Phone Older American
06/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75409
Web Servicemember
05/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30305
Web
05/30/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • NY
  • 12047
Phone
05/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29673
Web
05/25/2023 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
  • Investigation took more than 30 days
  • FL
  • 33844
Web
05/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11226
Web Older American
05/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 78626
Web
05/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30083
Web
05/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33311
Web
05/17/2023 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
  • 77088
Web
05/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36117
Web
05/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91387
Web
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07304
Web
05/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60438
Web
05/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60156
Web
05/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 17110
Phone Older American
05/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 38016
Web
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06854
Web
05/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78577
Web
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32303
Web
04/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77320
Web
04/29/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 78240
Web
04/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36701
Web
04/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91355
Web
04/25/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19050
Web
04/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72032
Web
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 45417
Phone
04/19/2023 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
  • PA
  • 19119
Web
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92345
Web
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33322
Web
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36274
Web
04/13/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85212
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
  • LA
  • 70737
Web
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 47802
Web
03/23/2023 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
  • NC
  • 28078
Web
03/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44146
Web
03/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 34203
Phone
03/18/2023 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
  • 77054
Web
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29456
Web
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
  • LA
  • 70122
Web
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28078
Web
03/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 77494
Web
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32828
Web Servicemember
03/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • GA
  • 30058
Web
03/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78414
Web
02/28/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30236
Web
02/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29590
Web
02/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36110
Web
02/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 06457
Web
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46268
Web
02/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33637
Web
02/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19124
Web Servicemember
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 40258
Web
02/06/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Account opened as a result of fraud
  • MD
  • 20724
Web
02/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75602
Web
01/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77077
Web Servicemember
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • NV
  • 89081
Web
01/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39114
Phone
01/22/2023 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
  • 34747
Web
01/15/2023 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
  • CA
  • 95212
Web
01/11/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10452
Web
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34747
Web
12/07/2022 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
  • TX
  • 76137
Web
11/25/2022 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
  • 94568
Web
11/23/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • FL
  • 33142
Phone
11/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85210
Web
11/10/2022 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
  • NY
  • 12789
Web
11/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90047
Web
10/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75115
Web Servicemember
10/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89031
Web Servicemember
10/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30134
Phone
10/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85281
Web
10/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35806
Web
10/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20745
Web
10/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30012
Web
09/26/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75146
Web
09/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36869
Web
09/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28303
Web Servicemember
09/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76119
Web
09/09/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48084
Web
09/08/2022 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
  • OK
  • 74012
Web
09/06/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77099
Web
08/31/2022 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
  • OK
  • 74012
Web
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19120
Web
08/29/2022 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
  • IL
  • 60089
Web
08/29/2022 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
  • IL
  • 60637
Web
08/28/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60402
Web
08/27/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 19153
Web Servicemember
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30094
Web
08/17/2022 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
  • Investigation took more than 30 days
  • TX
  • 75243
Web
08/15/2022 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
  • LA
  • 70506
Web
08/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CO
  • 80219
Phone Older American
08/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89120
Web
08/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 76542
Web
08/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33470
Web
07/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77064
Web
07/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84044
Web
07/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29609
Web
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53218
Web
06/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • WI
  • 53140
Phone
06/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29223
Web
06/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95355
Web
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KS
  • 67207
Web
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
  • 93309
Web
05/31/2022 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
  • CA
  • 93309
Web
05/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28215
Phone
05/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75043
Web
05/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 76049
Web
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32818
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
  • AR
  • 72206
Web
05/03/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60502
Web
04/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33839
Web
04/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93301
Web
03/31/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33614
Web
03/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95360
Phone Servicemember
03/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95843
Web
03/24/2022 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
  • OH
  • 44307
Web
03/22/2022 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
  • GA
  • 30294
Web
03/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37042
Web
03/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60653
Web
03/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33137
Web
03/14/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MI
  • 48341
Web
03/13/2022 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
  • Investigation took more than 30 days
  • CA
  • 92880
Web
03/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32164
Web
03/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89117
Web
03/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • VA
  • 22311
Web
03/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 32808
Web
03/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33069
Referral
02/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32164
Web
02/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30344
Web
02/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 38632
Web
02/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48390
Web
01/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 22003
Web
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30324
Web
01/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60657
Web
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95215
Web
01/12/2022 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
  • OR
  • 97233
Web
01/12/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 21220
Phone
01/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19152
Web
12/25/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19149
Web
12/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77536
Web
12/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • KY
  • 40328
Phone Servicemember
12/11/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • PA
  • 17543
Web Servicemember
12/08/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63026
Web
12/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60510
Web
12/06/2021 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
  • IN
  • 46260
Web
12/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 23505
Web Servicemember
12/03/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 398XX
Web
12/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10468
Web
11/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29045
Web
11/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75126
Web
11/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33647
Web
11/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33324
Web
11/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38141
Web
11/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32246
Web
11/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32210
Web
11/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38135
Web
11/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 61032
Web
11/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60160
Web
11/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11542
Web
11/05/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46235
Web
11/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • UT
  • 840XX
Web
10/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • PA
  • 16105
Web
10/29/2021 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
  • PA
  • 15146
Web
10/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 17103
Web
10/25/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53210
Web
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30273
Web
10/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DE
  • 19702
Phone
10/12/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30281
Web
10/11/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Application denied
  • TX
  • 77071
Web
10/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 398XX
Web
10/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27529
Web
10/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 40383
Web
10/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98444
Web
09/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19133
Web
09/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30814
Web
09/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 64138
Web
09/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36545
Web
09/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 53208
Web
09/13/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30273
Web
09/04/2021 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
  • Investigation took more than 30 days
  • TX
  • 78227
Web
09/01/2021 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
  • 30273
Web
08/31/2021 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
  • FL
  • 33442
Web
08/30/2021 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
  • IL
  • 60620
Web
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60443
Web
07/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 63052
Phone
07/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 63125
Phone
07/24/2021 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
  • FL
  • 33510
Web
07/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • WI
  • 53144
Phone
07/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 49504
Web
07/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 67002
Web
07/14/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 368XX
Web
06/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19144
Web
06/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10467
Web
06/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98520
Referral
06/23/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29334
Web Servicemember
06/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 67216
Web
06/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 65202
Web
06/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95206
Web
05/25/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92603
Web
05/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KS
  • 67216
Web
05/17/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Charged too much interest
  • CA
  • 92868
Web
05/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89117
Web
05/04/2021 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
  • MA
  • 02126
Web
04/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IL
  • 60639
Web
04/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89124
Web
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • IL
  • 60187
Web
04/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 76108
Web
03/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33316
Web
03/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TN
  • 37865
Web Servicemember
03/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15216
Web
03/04/2021 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
  • Investigation took more than 30 days
  • PA
  • 15212
Web
03/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10462
Web
02/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
Phone
02/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • GA
  • 30066
Phone Older American
02/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CT
  • 06450
Web
02/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30228
Web
12/28/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NJ
  • 08812
Web
12/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 31324
Web
12/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 76140
Web
12/20/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77054
Web
12/09/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30260
Web
12/08/2020 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
  • SC
  • 29223
Web
12/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 95351
Web
12/01/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33805
Phone
11/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72113
Web
11/17/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53235
Fax
11/10/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95757
Referral Older American
11/03/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95757
Fax Older American
10/30/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75074
Web
10/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
Phone
10/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 20613
Web
10/19/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29418
Web Servicemember
10/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72113
Web
10/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NV
  • 89147
Web
09/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31903
Web
09/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • MI
  • 48235
Web
09/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 92026
Referral
08/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • IL
  • 60619
Web
07/24/2020 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
  • FL
  • 33311
Web
07/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
Phone
07/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 43232
Web
06/30/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34787
Web
05/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92394
Web
05/20/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38016
Fax Servicemember
05/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • VA
  • 23112
Web
04/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
Phone Servicemember
04/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92571
Phone
04/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30188
Postal mail
04/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Postal mail
04/14/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • PA
  • 18062
Web
03/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90025
Web
03/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MO
  • 64117
Web
03/24/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 04401
Phone Older American
03/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 93727
Web
03/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95403
Phone
02/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98201
Web
02/26/2020 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
  • IN
  • 46375
Web
02/24/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30058
Web
02/13/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85338
Web Servicemember
02/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30144
Web
01/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
Phone
01/09/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ND
  • 58503
Web
12/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NV
  • 89052
Web
11/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37042
Web Servicemember
11/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95341
Web
11/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WI
  • 53024
Web
11/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33025
Web
09/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OK
  • 74014
Web
09/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98056
Web
09/11/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Charged too much interest
  • CA
  • 91504
Web
09/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30016
Web Servicemember
09/02/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94127
Web
08/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 18951
Referral
08/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19138
Web
07/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23701
Web
07/07/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • FL
  • 32404
Web
06/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
Phone
04/30/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MO
  • 65802
Web
04/27/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93726
Web
04/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07882
Referral
04/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 76006
Web
03/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 95758
Phone
03/21/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78570
Web
02/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46221
Web
02/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MI
  • 48219
Web
02/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
Phone
01/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 31315
Web Servicemember
12/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29210
Web
10/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30909
Web
10/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • WA
  • 98042
Referral
10/16/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43614
Web
10/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 91367
Fax
09/12/2018 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
  • NY
  • 13502
Web
08/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30291
Web
07/30/2018 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
  • IL
  • 62226
Web
06/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94070
Web
06/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60620
Web
06/08/2018 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
  • IL
  • 60653
Web Older American
06/07/2018 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
  • LA
  • 70805
Web
05/11/2018 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AZ
  • 85020
Web
04/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53209
Web
02/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63116
Phone
02/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98032
Phone
02/01/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • MI
  • 48221
Postal mail
01/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95823
Web
12/08/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
Phone
11/16/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23231
Web
11/01/2017 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • IL
  • 60624
Web
09/05/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85017
Web Servicemember
08/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93720
Web
06/21/2017 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
  • 77598
Web
01/05/2017 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 92694
Phone Servicemember
12/01/2016 No
  • Consumer Loan
  • Personal line of credit
  • Managing the line of credit
  • MO
  • 64015
Phone
07/02/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WI
  • 85339
Web
08/29/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MO
  • 65721
Web