Great American Finance Co CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
12/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CO
  • 809XX
 Web
In the beginning of XXXX XXXX, I entered into an agreement with Great American Finance to finance the cost of medical treatment at Front Range medical center in XXXX CO. The agreement offered an interest free finance plan at $ XXXX. The first automated payment was due XXXX XXXX, and the XXXX of every month, thereafter. Also in XXXX, I had XXXX XXXX so I wasn't as aware and alert to financial transactions posted to my checking account ; mid XXXX, I realized that the automatic payment had not posted for payment to GAF. Upon contacting them, I discovered that since my payment had not been made XXXX XXXX, I had waved my right to the interest free payment terms. I explained that I was unaware as to why GFA did not post the payment, and irresponsible tho I was, I had used the funds to pay for medical expenses and no longer had the payment in my account. I explained that I was prepared to resume automatic payments XXXX XXXX going forward, and that I wanted to request review of GFA 's decision to cancel the interest free contract terms. I asked them to please contact me ASAP with their review/decision. If they determined they would reinstate the terms, I would make the XXXX payment as soon as possible. I felt they were not taking into account the hardship I was expering because the customer service XXXX told me their policy was to only reconsider accounts effected by COVID. I believe their policy to be unfair to others experiencing finance hardshipm I was uncomfortable with the communication so I was just awaiting confirmation one way or another. XXXX XXXX, the payment posted to my account ; therefore, I thought the disconnect had been resolved even without contact from GFA. I believe that was a reasonable assumption. In XXXX, I intended on making the missed payment ; however, my checking account was extremely compromised on XXXX XXXX, which effected several scheduled payments, except for that XXXX XXXX, GFA payment. Due to timing, GFA payment was posted just before every XXXX was stolen from my account, making it impossible to make up the missed payment. I notified all of the effected creditors of my financial hardship and worked out a repayment plan. I did not even think about contacting GFA! I got new a checking account number after resolution of the theft, but again, since my XXXX payment was made to GFA without incident, I thought that account was in good standing. In early XXXX, watching for posted payments, I noticed the GFA payment had not been posted. I immediately contacted GFA to find out what happened. When I talked to customer service, I was told that the XXXX XXXX was declined. Automatically, my mind was moving at breakneck speed trying to understand why/how had the payment not cleared. I immediately realized it was because of the new checking account no. and associated debit card no.! I apologized for my lack of contact, and I then asked about the interest free terms. I was told, no GFA would not reverse the decision because of the missed payment and the declined XXXX payment. I was quite upset! I told her that I had not received any communication from GFA regarding their decision or given an opportunity to make the missed payment under original terms. I believe my circumstances were not even considered. The rep would not even listen to my explanation, but then did tell me the interest free terms were reinstated in XXXX, but would no longer be offered. I told her that I wanted to make the XXXX payment, but then wished to speak with a supervisor to have the decision reconcidered. After making the payment, she transferred the call to her supervisor, XXXX. Once he answered the call, I knew I was up against a wall. He immediately went into quoting a " script '' and would not consider my argument! I was so frustrated because I felt I was not being heard. I told him that my other creditors were being more than reasonable and had even reached out to me offering ways to make me whole while their ( GFA ) company was not willing to practice good customer support of any kind. GFA never communicated their decisions/resolution until I contacted them. I believe their scripted handling of customer services are very poor and they do not offer any benefit to current or future customers. I want GFA to admit their culpability and reinstate the original interest free terms.
09/03/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • IL
  • 60644
 Web
i recently had XXXX deaths in my family back to back i lost my dad in XXXX i called GAFCO which is great american finance co and spoke with ba representative by the name of XXXX which i dont no if its her real name or her alias for the company but i explained to her the hardships i had recently went through as well as on top of that my bank account with XXXX bank had been hacked and the bank was returning everything until they were able to figure out whi had hacked into my personal checking account and where i spoke with this representive XXXX around XXXX/XXXX/XXXX or XXXX/XXXX/XXXX and explained to her my whole entire situation she was sympathetic well at less i thought we talked for about 30 minutes or so she stated to me she would wave my nsf fees, late charges etc ; i thanked her over and over again and i did a payment through my saving account through the same bank XXXX bank and dated the payment to be auto drafted on XXXX/XXXX/XXXX for {$100.00} and some change in which they did received and since then i have been harassed with letters through the mail headed notice of pending 30 day delinquency take action today stating my account with great american finance company remains delinquent and soon will become 30days past due if i fail to make a payment and to avoid being reported delinquent to all XXXX major credit bureaus by making my payment today, and it is in my best interest to bring account current now to protect my credit rating and if applicable the same as cash ( zero financing ) option will be void if any installment, or part of any installment, is ( 10 ) or more days delinquent 2 times during the term of the loan stating amount past due is now {$73.00} this letter was dated XXXX/XXXX/XXXX needless to say when i spoke with this XXXX she told me do not worry she had reinstated my account its back same as cash and that i had no worries which again took place between XXXX/XXXX/XXXX or XXXX or XXXX/XXXX/XXXX she also went on to conversate with me about her previously working for same agency i once worked name XXXX and asked me was i still there and that she was there in XXXX i called gafco several times after speaking with this representative to make sure she made the corrective changes to my account and each representative i spoke with all stated my payment posted on XXXX/XXXX/XXXX and they show she put in the system for the fees to be waived she never once stated it had to be submitted for approval or anything told me i was fine did not have anything to worry about then i called to get my payoff balance after my payment cleared my saving account on XXXX/XXXX/XXXX i called around XXXX/XXXX/XXXX asked for payoff amount i was told by representative it was {$960.00} but to wait a few days and call back because the fees had not yet been deducted from my balance and now i being called, left voicemail messages about a past due balance and received a letter and had a representive call my neice XXXX 3 times seconds apart all the same day which was last tuesday XXXX/XXXX/XXXX and also called me i explained to the representative while on my lunch break i did not owe anything my fees per XXXX XXXX was all going to be waived and i gave authorization for a one time payment to be auto drafted from my saving account dated for XXXX/XXXX/XXXX for {$100.00} an it was deducted an now im being told by letter, harassing phone calls several times a day not just to myself but my neice XXXX l as well who i listed as a reference i have screen shots the calls that were made to my neice after she spoke with a rep on XXXX/XXXX/XXXX and explained she is not me and that she was my neice and that she owed them nothing and that she was at work and for them not to call her again and that called her a total of 3 times that day alone with calling me the same day, i feel so mentally drained with all of this she has made me appear as a non payer and i embarassed my neice now knows all my personal business.
06/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IL
  • 62901
 Web
1. I have a personal line of credit with Great American Finance for XXXX XXXX. 2. The line of credit has two promotional balances with no interest for 18 months. Those promotional balances have to be paid off after 18 months to avoid the interest that is accruing every month. 3. I have been having difficulty obtaining information or transparency from the company regarding my promotional balances, especially including the interest amounts that are accruing ( and which would be charged after 18 months if the promo bals. are not paid ). 4. Also, for some reason the company stopped posting my statements online in XXXX XXXX, meaning that neither the XXXX, XXXX, XXXX, nor XXXX statements have posted. 5. I called and spoke with an agent in customer service apx. one month ago, and was advised promo balance # 1 had a deferred interest amt. of {$270.00} and an promotional period exp. date of XXXX XXXX, XXXX ; and that promo bal # 2 had a deferred interest amt. of {$270.00} and an exp. date of XX/XX/XXXX. 6. After making my monthly payment, I called back for updated balances on the two promotions ( given that they ought to have both gone down on account of the payment ). The agent *could not* tell me what the updated promo balances were ; nor the updated accrued finance charges. 7. The agent also confirmed that my statements for the last several months, which were not available online, were also not available to him or to customer service. He requested that those back statements be made available online and to customer service, and that they be mailed to me. 8. Despite this, they were never mailed to me and they were never placed online or made avail to customer servicer. 9. Today, after the statement cycled, I called back for the updated promo bals. I was advised by XXXX in Customer Service that promo bal # 1 was {$400.00} ; and promo bal # 2 was {$2200.00}. He said he did not have/ could not provide the updated deferred interest info. It took a lengthy interrogation for him to admit that. He did not even seem to understand how promotional balances worked and I had to explain multiple times what the accrued deferred interest was. 10. I advised XXXX that I had previously been able to receive this info but that I wanted an update. I advised him that I had previously been promised that statements would be mailed to me and made available online. 11. He said he could have a manager call me back, which I requested. He said he could either request the statements be mailed or have a mgr. call me but not both! ( what an outrage, especially after the statements had already been promised to me ). 12. I explained that I would be filing a CFPB complaint and asked him to advise his supervisor. He said it was my decision to do so, but at first refused to advise the company, asking what good it would do to tell his supervisor? I said that I wanted to notate in the complaint that the company was already aware of the case. After several frustrating rounds in which I asked him yes or no would he advise his supervisor, he finally said yes. 13. I also said that the company was harming its customers by not being transparent and that they are the ones who stand to profit at the expense of their customers when their customers are hit with accrued deferred interest charges due to a lack of information and transparency to the customer so that they are unable to make informed decisions. It does not appear XXXX notated this concern,
06/19/2016 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NE
  • 68502
 Web
Great American Finance Company ( GAFCO ) is preying on innocent consumers who believe they are doing the right thing when paying a " settlement offer '' that in no way is legitimate or forthright. GAFCO is taking advantage of the debt collection industry by fraudulently taking money from unsuspecting consumers who believe their debt ( if one exists ) will be settled, documented and fairly reported under the Fair Credit Reporting Act ( FCRA ) governed by the Federal Trades Commission ( FTC ). Unfortunately this is not the case when dealing with Great American Finance Company ( GAFCO ). GAFCO has 25 days from the date of this 'formal ' complaint with CFPB to rectify fraudulent, extortion practices the company consistently indulges in regularly and remedy the harm they have bestowed upon a single mother of XXXX boys under the age of XXXX XXXX XXXX, who believed the payment ( she was taking from her needy household ) in the amount of {$1400.00} would settle her account ( which was never divulged ) and be noted with the XXXX major credit bureau companies GAFCO promised ( in writing ) before running off with the money and not following through on the promise. Furthermore, the mother continues to receive bills for a debt she 's never been told was for. GAFCO is engaging in " unjust enrichment '' at the expense of consumer 's well-being. There are numerous online complaints referencing this type of practice demonstrated by this finance company consistently. If GAFCO does not rectify this matter within the 25 day timeline, this document will be 'tendered ' as evidence and registered with the Illinois Attorney General XXXX XXXX XXXX Consumer Protection Division to begin the process of a 'class action '' lawsuit protecting the general public of Illinois and interstate commerce. By sending bogus debt statements through the United States mail is committing acts of Federal violation. Furthermore, GAFCO keeps forward dating documents to keep the consumer indebted to them. This is the worst act of fraud, misrepresentation and public harm consumer has ever seen. Consumer accepted a settlement offer of {$1.00}, XXXX on a debt consumer did n't know consumer owed. Consumer paid XXXX XXXX 2016. Consumer was promised that consumer 's debt ( whatever it is ) would no longer be a debt and that under the Fair Credit Reporting Act ( FCRA ) all bureaus would be notified of consumer 's payment. To date this has not happened. GAFCO is still sending amount past due notices to consumer requesting payments of {$84.00} and claiming consumer still owes {$2100.00} as of XXXX XXXX 2016 and XXXX XXXX 2016. It continues to go on and on. GAFCO is dating the statements way ahead. This fraudulent process shall cease immediately. Consumer wants whatever debt GAFCO claims consumer owes taken off consumer 's debt report and cease contact with consumer immediately. Consumer wants a paid-in-full notification from GAFCO and consumer wants a statement stating the debt is paid-in-full and is remedied. Consumer is a hardworking mother who does not have money to throw away. Consumer believed consumer was doing the right thing when accepting a settlement offer that consumer now knows is bogus. GAFCO should be ashamed of themselves engaging in this kind of fraudulent practice which harms the general public and its trust. Consumer appreciates the CFPB for being diligent in its efforts to oversee such blatant dishonest practices. Consumer thanks CFPB very much.
08/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IL
  • 62901
 Web
1. I have been having severe, ongoing issues with this company. 2. There are two promotional balances on this account, with zero percent / eighteen month no interest. I have been experiencing ongoing issues getting accurate information about the two promotional balances, including accrued interest amounts ( pending interest that will be waived if the respective promo bal is paid within the 18 month period ). 3. Promo balance # 1 currently has a balance of {$220.00}, expiring XX/XX/XXXX. Promo bal # 2 currently has a bl of {$1800.00}, expiring XX/XX/XXXX. 4. On XX/XX/XXXX, I spoke with XXXX in Customer Service for Great American Finance. She created a plan for me to pay equal payments of {$260.00}, which is greater than the min payment of {$220.00}. I specifically requested for the payments to be applied as follows : {$81.00} towards Promo Balance 1 ; and {$180.00} towards Promo Bal 2. I made a payment for the {$260.00} to be applied accordingly. XXXX said she would forward my request to management. 5. The company previously wrote in a letter to the CFPB regarding my now-closed complaint : " When payments are received that are in excess of the minimum monthly payment, the additional funds are distributed equally between both purchases. For example, if an additional {$50.00} is remitted, {$25.00} will be applied to the first purchase and {$25.00} will be applied to the second purchase. If a customer requests that the additional funds be entirely applied to the first purchase, that request will be promptly accommodated. '' 6. However, the company did not apply the payment pursuant to my instructions, according to my calculations. Promo bal 1 came down from {$320.00} to {$220.00}, a reduction of {$99.00}, whereas I had specifically requested that it be reduced by {$81.00}. Promo bal 2 came down from {$200000.00} to {$1800.00}, a reduction of {$160.00}, whereas I had specifically requested that it be reduced by {$180.00}. XXXX could not confirm how my payment was applied ( even though basic math produces the information ). She could not transfer me to a manager. She said she would call me back with the information and that a a manager would call me. 7. Previously when promised a manager call back from Great American Finance, I have never received one. Nor have a received a call back this time. 8. I spoke with XXXX at Great American Finance, after calling back. She said the min payment amount of {$220.00} consisted of a min payment of {$77.00} for Promo bal # 1 and a min payment of {$140.00} for Promo bal # 2. Based on my calculations, the company split my overage amount evenly between Promo 1 and 2 ( {$22.00} applied to each above the minimum also applied ). 9. Therefore, it is clear that despite my request, my hours on the phone, my prior federal complaint, my meticulousness, my proactivity, and my willingness to pay extra, the company failed to follow my request for how my payments by applied. 10. In conclusion, the company is negligently mishandling payments, refusing to honor customer requests for how payment amounts above the minimum are to be applied to the promotional balances. By refusing to keep its promises and by mishandling customer funds, we customers are left in constant fear of being charged Deferred Interest on the promo balances, no matter how proactive we are, no matter how meticulous we are, and no matter how much we are willing to pay before the promo expiration date.
11/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46256
 Web
On Great America 's finance website, it states my " outstanding '' balance to be balance with interest. ( I had to figure that out myself, it only states outgoing balance ). This is deferred interest but no where does it state deferred interest or principal balance just " outstanding balance '' .They offered me 18 months same as cash. I do not owe interest yet. If I pay the loan off I would never owe. I would think this would be against Fair Credit and Charge Card Disclosure Act of 1988 or truth in lending Act. Since they tact on interest prior to it being due. I also don't see my interest rate listed on my coupon book. As I was about to rebudget my payment plan to include interest when I realized the outstanding balance was incorrect. What this loan company may do is not show the principal balance so people don't know what it is and don't pay it in time so they get the balance plus interest while being able to advertise " same as cash '' loan. This practice is dishonest and deceitful. I called and spoke to 3 different people. The first person when I started to complain about the balance being incorrect told me " don't do this ''. I am very much allowed to complain about your either illegal or shady practice. Another one told me a manager 's manager would be calling me and never did and the third one transferred me to loan dept who had no idea what I was talking about. I am currently calling back to get the manager of the manager to speak with. The rep informed me I was lied to about the " manager '' I spoke to earlier was not a manager. The rep is again telling me what I already know I don't owe interest if I pay off balance. Where do I see that balance? Not on payment book! Not on website! Where is the principal balance so I don't overpay. Finally got the manager who stated it is on the contract only but they never update and list the principal balance anywhere. They do not send out statements. I do not have the contract so I don't know what the interest rate I am trying to avoid is. It is not disclosed on coupon book or account info on website.
07/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WV
  • 255XX
 Web
I had an account with Great American Finance. I paid this account off in full in XX/XX/XXXX. I was never late nor did I ever miss a payment. After I paid this off I continued to get bills saying I still owed a balance. Each month I called Great American Finance and I was told " don't worry about the bill, we see you paid this off {$0.00} balance we will send it to be updated '' then I started to get negative reporting on my credit report - 30 days late. I called them again and they said they would update the credit reports and credit bureaus - I waited XXXX and now XXXX - each month they keep reporting as 30 days late - this has dropped my credit by over 30 points each month. I spoke to a manager at Great American Finance on XX/XX/XXXX and it was suppose to be corrected and they were suppose to send me paid in full letter and get my credit updated. On XX/XX/XXXX when I called back the company hung up on me 2 times and refused to allow me to speak with a manger. I have made multiple attempts to resolve this with the company and they will not stop reporting this as negative when the account was paid off early in full no late payments. I have also opened disputes with all three of the credit bureaus - however Great American Finance keeps putting this back on there each month. I am at a loss at this point and need assistance in correcting this companies incorrect reporting on my credit. I am wanting Great American Finance to stop reporting false information to the credit bureaus and correct what they have already reported falsely. I am wanting all three of my credit reports XXXX, XXXX, XXXX, updated to reflect that I have never been late nor have I ever missed any payments. I want it to reflect good standings that is correct and also I want my points back on my credit score that were taken due to this false reporting. I also want it updated that the account is paid in full with no balance owed. Thank you for all your help as I have struggled with getting a resolution in dealing with this company.
06/01/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 92707
 Web
Great American Finance Company is horrible to say the least I have never missed a payment when I open the account and made all my payments up to date. I went online and made my payments always. In XXXX XXXX I notice the company report a 30 day late when I was not late, I called them to discuss the issue and they stated that its because I had not full paid my total due in XXXX XXXX, I then explained the issues and also stated that I was never informed that I had a late payment in XXXX XXXX, in which GAFCO stated that it was a late fee that just kept on adding up. I explained that was very deceptive and misleading and sent several letters to the Manager and still no response not even a call back. I spoke with a Customer Service Representative who stated that she would look into the matter and correct the late payment. GAFCO never corrected the late payment then in error they placed another late payment for the month of XXXX XXXX in which again I called to dispute the matter and even stated that how could I be late when I paid up to 3 months in advance in XXXX XXXX. I was very frustrated after that and got the Attorney General involved and now they continue to report " Account Charge off '' on my credit bureaus for the last 6 months. The same account they have reported as a " charge off " for the last 6 months, which puts a negative hit on my CRA just to lower my scores. Great American Finance Company has continued to the FDCPA 807. False or misleading representations. As they continue to violated federal law, by not False and misleading information provided to the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
11/20/2020 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
  • IL
  • 605XX
 Web
On or about XX/XX/2016, I purchased a sectional from XXXX XXXX XXXX in XXXX, IL. When the item was delivered it was damaged and it had bed bugs. I incurred a cost because I had to fumigate. The item was immediately returned. I was refunded for the item. XXXX XXXX requested I come in to reselect an item. I went in reselected but I was told the item would not be available for two months. I was ok with this because my home was under construction and I was XXXX at the time. I received a call in XXXX of XXXX from a XXXX XXXX representative indicating that my item was discontinued therefore it would not be delivered therefore I was told that I needed to come in and reselect.By this time I was frustrated and had no interest to purchase from XXXX XXXX. I was also undergoing a XXXX XXXX XXXX with XXXX XXXX so I was in and out of hospital. My focus was my baby. I never received an item from XXXX XXXX XXXX nor did I go back to XXXX XXXX. I am currently trying to purchase a home and this is affecting my credit. I have reached out to Great American Finance and the only thing they can tell me is that the item was delivered. I have gone to XXXX XXXX XXXX and they tell me that their delivery guys is an independant company. I have asked for proof of signature on who received the item and I have not been provided with such. I have been back and forth with Great American Finance they are making no effort in investigating the matter and XXXX XXXX is not making any effort to help me solve this matter. Great American Finance hung up the phone on me. Again I never received an item from them. They started sending me letters recently to settle but I don't owe them money if I never received an item. I had no idea this was on my credit report until I ran my credit in light of trying to purchase a home. This is the only item affecting me.
07/28/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • XXXXX
 Web
I have sent several requests to Great American Finance per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. I am attaching a copy of the most recent USPS Certified mailing sent to this company on XXXX XXXX, 2016 which has well surpassed the 30 days allowed by law for a response.
01/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46256
 Web
After my first complaint, XXXX ( Legal Manager ) from Great American Finance contacted me and tried to brush off the complaint. She let it slip that others are having just as much difficulty as I am understanding the account portal. I am still under the belief that they are violating 1026.7 Comment 7 ( b ) -1.ii of the truth in lending act regulation z. The account balances in the account portal are those with interest rates. I am on a deferred interest plan. Per the regulation above they must list the balance that the deferred interest is applied to. I, among others have submitted complaints against this company. I asked XXXX for statements. She said no. I asked for new coupon book, she refused. I asked for updated portal, the portal is still not updated. my 18th month is coming up and i should not have to over pay and get a refund 30 days later just because they don't want to list the deferred interest balance. How is this legally allowed to continue. I was told by CFPB that I since I refuse to accept their answer of not updating portal in timely manner, I can just keep making complaints. That is fine with me. If they are committing an illegal action above, I want them investigated. I attached what the portal looks like for me. The balance includes interest rates that I don't owe but there is a fine print statement that says the balance is accurate as long as good faith payments are made. That is false advertising.
08/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 61109
 Web
IT HAS BEEN MONTHS OVER 5! And no on has followed up, I have sent confirmed tracked letters as seen in my.other complaints and called every company personally to always get a 'there is no way to confirm or deny ' or 'we will reach back out. ' Transunion just keeps resubmitted forms I guess to the companies but no one is keeping their word with fixing a thing, verifying or following up. ILLEGAL ILLEGAL I was told 1. They are pre-approval soft inquires 2.they would all be " bunched '' together since I am shoping around so it would be like one inquiry 3. I had no idea they pulled anything at all, especially several times. Every piece of proof is already on transitions hands or CFpB complaints filed before or mailed to the companies/car lots. Please read through to find your company : Great Americ Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX
05/19/2021 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
  • 303XX
 Web
In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.
02/06/2023 No
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • TX
  • 751XX
 Web
We purchased furniture at XXXX XXXX who stated we were approved for a line of credit through Great American Finance back in XX/XX/2020. My husband contacted GAF at to see when payment will be due he was told that statement wasnt generated it can take up to 45days for first statement to generate and that we will receive statement in the mail of when payment is due and the amount. We never received statement we have been staying at the same address since we acquired the furniture.We then reached out to GAF in XX/XX/2020 regarding not receiving statement and how it shows they have been reporting late payments/nonpayments since XX/XX/2020. I made a {$300.00} payment at that time, as well as provided the correct address-and asked rep if late payments can be removed since we never received statement rep stated no we would just need to make payments here on out to avoid further negative reporting. Still to this day have not received a statement at my correct address. I have tried to settle this acct for what I deemed reasonable. I dont think its fair that GAF can report negatively on someones credit when they have not provided them with the correct information to pay the bill on time. The address they have on record is still not the correct address after providing them with the correct address.
08/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 303XX
 Web
The original creditor is also the collection company. I have made several attempts to get the collection depart to accurately report the account. I initially reached out to them notifying the joint applicant filed bankruptcy and its not reflected on the account. I was advised that I would still be held responsible for the account. At the time the balance reflected was {$440.00} charge off date was XX/XX/XXXX with the last payment of XX/XX/XXXX see attached, I ask could they remove it since joint applicant filed bankruptcy, the representative became irate and belligerent and difficult to communicate with, at that point I said oh well it falls off next year and you wont get anything the representative then replied will see about that and hung up. That was XX/XX/XXXX, the month prior I sent a request for verification and never got a response so after waiting thirty days I called. The representative has been inaccurately chafing information on the account since. Impacting my credit score and ability to maintain a good rating. I attached several documents as proof of my experience. The account was also changed from joint to individual and the representative recently reported that a payment was made within the last year which is also inaccurate
10/19/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • CA
  • 90037
 Web
My intent to file a complaint against Great American Finance Holdings, LLCs ( GAFH ) due to the inaccuracy of my credit statement balance based on a promotional purchase at XXXX XXXX XXXX on XX/XX/XXXX. The statement balance reflects monthly interest charges that should not be applied until XX/XX/XXXX. On XX/XX/XXXX, I reviewed my statement balance which included an interest charge of {$46.00}. It was my understanding at the time of purchase that the promotional period included 12-months with no interest. On this same day, I called GAFH speaking with a representative to attempt to clarify or resolve. The representative informed me that the amount in GAFHs records reflected the interest free period with an amount of approximately {$2300.00}, which was different than the amount on my statement {$2400.00}. Based on my statement, GAFH is breaching the promotional period with indicating a balance that included the interest charge into the new balance. GAFHs practice may inadvertently and unintentionally cause consumer overpayment due to a violation of agreed upon promotional term conditions. This oversight may appear that GAFH engages in predatory lending practices. As of XXXX XXXX, I have received no response from GAFH LLC.
06/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NE
  • XXXXX
 Web
Great American XXXX XXXX ( XXXX ) sent consumer a settlement offer to remedy account # : XXXX in the amount of {$1400.00}. Consumer used a credit card to pay the amount of {$1400.00} on or before XXXX XXXX 2016. Consumer was promised that if payment was received by that date Great American XXXX XXXX would report to all XXXX major credit bureaus the payment and remedy consumers account. Consumer sent payment by credit card ( confirmation number : XXXX ) and continues to receive past due statements requesting payments in the amount of {$84.00} for the account referencing # : XXXX. Consumer wants the account credited the amount promised and closed as promised by Great American XXXX XXXX ( XXXX ). Consumer has paper documents to verify the interaction and will mail those documents to the Illinois Attorney General 's Consumer Protection Division of XXXX office and cite fraud and extortion as there are numerous complaints online to verify this type of fraudulent behavior from many consumers who have interacted with Great American XXXX XXXX Consumer wants Great American XXXX to either return the money of notify the XXXX major credit bureaus that the debt has been satisfied and is no longer viable as promised.
09/26/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 483XX
 Web
I am filing a complaint against this company because they are reporting this account on my credit report that was opened fraudulently in my name. This fraudulent account is preventing me from obtaining a home loan which I am currently under a purchase agreement contract that expires on XX/XX/2020. If this contract expires and I don't close on the loan by XX/XX/2020, my Earnest Money Deposit will be forfeited. I am hoping that it does not result to that because I can't afford to loose money especially during this pandemic. I am simply asking for this company to investigate this fraudulent account and have it removed from my credit report immediately and within a reasonable time. This is now my 3rd time trying to get this account resolved by this company. If this is not done in a timely manor and I am forced for forfeit my Earnest Money Deposit because this company didn't remove an account from my name that was opened due to identity fraud then I will be filing a lawsuit for negligent enablement of identity fraud and for the damages I have incurred. I have filed an identity theft report and requesting the removal of this fraudulent account from my credit report.
02/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60181
 Web
There is a fraud account from Great American Finance opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. Same with XXXX XXXX XXXX there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well
01/17/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30309
 Web
The collector who is the original creditors, has continued to report inaccurate information pertaining to this charge of account. The date of the my last payment for this account XX/XX/2014 and the remaining principal balance is {$440.00}, This should be the balance showing on the last statement from the lender. The same amount should also be shown on my credit report as the balance due for the delinquent account. creditor continued to add interest without providing a monthly statement or the original contract so that I may verify what that rate should be. the debt collector is claiming about 60 % more than the principal balance at the time of last payment. I am not able to verify what that rate is because the collector has not provided any statements, the state of Georgia max interest on a charge off account is 6 %. If the collector intends to add interest please provide statements reflecting such charges, and refrain from unfair debt collection practices. I have multiple copies of credit reports where the collector continues to charge the dates, amounts, status of charge off,
04/12/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MT
  • 599XX
 Web
In XX/XX/2022, a credit card/line of credit was opened in my name through an XXXX XXXX XXXX XXXX Maryland. The financial institution is Great American Finance XXXX XXXX XXXX. The amount spent was {$1600.00} and it has a {$3000.00} credit limit. On Thursday, XX/XX/2022, I received a bill from Great American Finance XXXX XXXX XXXX with a minimum balance to be paid of {$150.00} ( {$79.00} current and {$79.00} past due ) by XX/XX/2022. This was not me! I spoke to Great American Finance XXXX XXXX XXXX this morning, XX/XX/2022 and they told me to file a Fraud Report with the FTC, a police report, which I just did with the XXXX Police Department in Montana, and provide them with my ID and verification of my address. Could you please look into this? I am nervous because it was opened with my social security number and other identifying information and I'm worried other debt has or will be opened in my name. Thank you.
06/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MI
  • 48187
 Web
Great American Finance is a fraudulent account that was opened in my name. I was successful at getting the account removed from XXXX and XXXX but not XXXX. I have reported this account as fraud with XXXX and they always say the completed results have verified the account belongs to me. I have even sent a complaint with consumer finance and XXXX responded saying Great American Finance provided them with my correct birth date, social security number, address and name. Which makes sense because the person who opened the account stole my identity and used all of my information. The account is not mine and they continue to report inaccurate information to XXXX. I went to the police station filed an identity theft report and the officer even spoke with a representative from great American finance who said if I fax the affidavit and identity theft report, they would delete the account. This has yet to occur
11/18/2015 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30019
 Web
On the companies website, they show a due date which is not the correct due date. I made payments for two months and found out that I was late even though I was making payments by the date that I thought was the due date. I told the company what happened and made sure that I paid by the due date they told me on the phone and eventually paid the account off in full. I asked if the late payments could be deleted because their due date showing on their website is not my actual due date and they have told me no numerous times. I even told them this was holding me back from buying a house and they did not care and said no. When you are late, they do not call or send an email notifying you that you missed a due date so you can catch it before it 30 days late. They do not send anything in the mail notifying if you are late. The only way you are notified is by a credit report update.
04/22/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 18018
 Web
I received a store card from XXXX XXXX through Great American Finance, and they have been violating the terms of my financing agreement by calling me every month demanding I add my banking information again - stating it hasnt been added correctly. They are then charging me two and three times a month via ACH and when my bank denies the extra payments because they are duplicates, Great American Finance charges me NSF fees. They also call and demand payment over the phone even though I have automatic debit on the account every month. The calls are almost always come from offshore outsourced agents. They are also refusing to provide me with monthly statements, and Ive not received one since they started taking unauthorized money from my account multiple times a month. I am an older woman with a disability and they are trying to pull one over on me and take advantage.
03/31/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91342
 Web
I opened an account with great American finance company XX/XX/2013. Under the contract if balance was paid within one year there would be no interest charged. I paid the the account in full on the last day of the yr term. I later received notice from the company that they did not process the payment until the following day, and stated that because of this the finance charges were added to the account balance. I have attempted to dispute these charges with the company and their response has been that they are unsure of why the payment was not posted on the day I submitted it, ( which would have resulted in no finance charges ) they attribute it to a system error, yet failed to fix the issue and zero out the account. This account should not be reported on my credit report as a negative account because I paid in full according to the terms.
08/16/2016 Yes
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
  • WI
  • 531XX
 Web
Checking credit report, found credit inquiry from Great American Finance. Call them, identified myself with ss #. They tell me they have no record of running my credit. Called XXXX and was told the only way they can do anything is with a deletion letter. So I guess XXXX has no authority or remedies here when there 's potential fraud, seems a bit short sighted to not have some built in protection or authority required by credit agencies. Then again, they 're here to sell us that protection, way to go on that one, someone 's always looking for a way to take our money. Since they have no authority, let 's use up your time and some of our tax dollars. Since we 're paying for you to do this job, you might as well do the credit reporting that the bureaus do. I need to find out what 's going on here and have this removed, thank you
06/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46342
 Web
As of XX/XX/2020 my account through Great American Finance was paid in full. However, Great American Finance continues to send bills to my home with a balance of {$100.00}. I called and spoke with a representative and he confirmed that my account was paid in full and to disregard the first bill ( after the pay off ) that I received in the mail. Although this conversation took place, I was still reported three times to the credit bureau as delinquent from this company. I have spoken with two other representatives, one being a supervisor to try to remedy this situation, yet nothing is changing. It has negatively impacted my credit score. Obviously Great American Finance is aware that my account has been paid in full since XXXX, however the company continues to to commit fraud by reporting me as delinquent.
10/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60025
 Web Servicemember
my company received a wage assignment notification for my loan on the remaining XXXX dollars owed to XXXX. We have 3 payments remaining and were less than 30 days late. the initial letter was sent from their office without a call or letter to me. They claimed they call, but I would have known if they did. The last time my wife spoke with them, she scheduled the payment to be debited on XXXX/XXXX/XXXX. even though this was taken care of, they sent out the letter to my company multiple times once regular mail and the 2nd certified. it was sent directly to my employer notifying of a wage assignment. Their actions are not justified, and a wage assignment should be a last effort to have it initiated. My account was not even 30 days late and was satisfied. This a predatory practices.
10/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60073
 Web Servicemember
I received a call from XXXX XXXX at Great American Finance Company from the number XXXX at work a past due balance on a furniture bill that is {$110.00} and some change. I asked XXXX XXXX not to contact me at my job. He ignored my request and continued to tell me again that he was calling about my bill and that if I paid my bill then he would n't be calling me. I explained to him that I made a request for him to not call my job and the I will be reporting him to the FTC and XXXX XXXX 's office and his response was " do what you got ta do ''! He went on to say you should be paying your bills. I ended the call right there due to his harassment. He said XXXX blurb about the bill contents ; it was more so harassment due to me asking him not to call my job.
09/09/2019 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • MI
  • 48310
 Web
Started the account last year, missed a couple payments due to bank not allowing the payment to go through, never missed a payment more then 30 days. When I stared this account I had to call multiple times because I never received bills, I've checked with the post office multiple times and nothing was there. Now that im getting close to the end of my payments they ended up removing my promotion for interest free claiming because I had missed payments. I had no idea thats how it worked I was never told by anyone that I could lose my promotion. i have done everything in my power to pay these payments I work two jobs to make sure of that. I never received a welcome letter and in the paper work I have for them nothing says they could remove my promotion.
08/25/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32533
 Web Servicemember
My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is XXXX for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees
10/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • NY
  • 119XX
 Web
I noticed that my credit score had dropped almost XXXX points in the span of a month without any significantly new activity to my knowledge. When i checked my accounts via XXXX 's website, it listed a new account with " Greater American Finance '' opened in XXXX that I had never opened. There were late payment fees for a sum of greater than {$4000.00}. I had never reached out to this company before. When I was finally able to speak with a representative from Greater American Finance on XX/XX/23 and reported fraudulent activity, they told me to file a complaint with the police, with the credit bureau, and to send them copies of my photo ID and proof of address. They also told me the address I provided for them was not what they had on file.
08/09/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32533
 Web Servicemember
My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is one for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees
10/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 088XX
 Web
I received an inquiry alert, I called the company to inform them I didnt not request any line of credit. I was told theyll note the account as fraud. I received another notice that an account was open, I called again to inform them this is not my account I was ask to send a police report. I had to go get a police report for an account I acknowledge when the inquiry hit was not mine and they proceeded to allow the account to be open. Police report completed and sent to the company. I was told it was an online account, my last call I ask why would they not have two factor authentication ( this helps with seeing that the address used I never had any affiliation with ), I didnt really get an answer as it wasnt her position to speak on it.
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 720XX
 Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX, XXXX ), ( XXXX XXXXXXXX ), ( Great American Finance XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602. A. Clearly states that 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. 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
05/10/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 441XX
 Web
Great American Finance has fraudulently reported a balance due to the credit bureaus, dropping my credit score 47 points and halting the mortgage qualification process Im in the midst of. On XX/XX/2020 I was sent a paid in full letter, stating that my account was paid as agreed and closed on XX/XX/2020. Since I paid and closed the account in XXXX I have continued to get statements for a balance due and have called them every time to inquire. They assured me it was an error in their part and would be fixed. On XX/XX/2020 they reported a delinquent acct to the credit bureau which dropped my score and cancelled any chance I have of getting the mortgage I was applying for.
03/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 605XX
 Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
04/20/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43235
 Web Servicemember
My girlfriend and I financed a washer, dryer and a mini freezer with Great American Finance via XXXX XXXX XXXX and they told us we had 12 months to pay same as cash but they did not say that if we were late on our payment one time that we would lose that deal and then be charged 30 % interest. My girlfriend who is in charge of the finances was late on 2 payments and so now I am receiving multiple calls per day over a 16 day late bill that I plan in paying this week but most of my payments are going to thr interest now instead of the principal. This is false advertising and complete harassment. I want to sue them for this or at the very least file a complaint.
07/06/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92234
 Web
GREAT AMERICAN FINANCE, account no.XXXX is inaccurately reporting on my XXXX credit report.I have disputed this account with XXXX about 10 times.I would like XXXX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and XXXX SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. The report shows " current status '' as pays XXXX days when the account was paid and closed over XXXX years ago.
10/10/2023 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
  • OR
  • 972XX
 Web
XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are inquiries I didnt authorize on my credit report.
11/14/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32835
 Web
This is a Notice of Direct Dispute under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4, of the accuracy of information you have reported to my credit file. After reviewing my credit report I have found Great American Finance is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.
09/09/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77084
 Web
I am receiving numerous calls a day from this company, Great American Finance. I have sent them a request in writing by fax on XX/XX/2020 and XX/XX/2020 asking them to not call my job. My employer does not allow personal phone calls. They talk over me and threaten a law suit, or to call the payroll department at my job. The latest call to my job was from XXXX XXXX, who wouldn't even let me speak, she became very aggressive when I told her I have requested in writing twice to not be contacted at my job. The name and address is : Great American Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33165
 Web
I have a loan with GREAT AMERICAN FINANCE XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GREAT AMERICAN FINANCE XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and GREAT AMERICAN FINANCE XXXX with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
06/01/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 92626
 Web
They manage to get a credit card from Great American Finance Co through XXXX 's XXXX and withdrew cash advance on the credit card. This card was open under a massive identity theft in which they have everything to take over my life including SSN, phone #, they changed my address through USPS, everything. Account was open on XX/XX/2022. I tried calling Great American to shut it down but they didn't because I didn't have the account number??? I have all these hard inquiries and soft inquiries that have affect my excellent credit score.
02/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94533
 Web
The company Im disputing is Great American Finance, I had gotten a lawyer a while ago, and got all my debt cleared up. This specific company came back on my report stating that I still have a past due balance due. Even though I disputed the amount to them, it came back as current info. I have tried calling this company numerous times to get a hold of someone to get a better understanding as to why it came back on my report, and/or I will just pay it off so its not on my report again. Please help the best you can. Thank you a lot.
01/06/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60914
 Web
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, Great American Finance Co Acct # XXXX
06/19/2023 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
  • IL
  • 608XX
 Web
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX and 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.
10/07/2022 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
  • IL
  • 61111
 Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
06/04/2021 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
  • CA
  • 92234
 Web
Great American Finance is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. GAF also show inaccurate information on all 3 credit reporting agencies.
11/15/2019 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
  • IL
  • 60062
 Web
I am not the kind of person who likes to complain but I felt compelled because of the situation that I find myself in. I have paid this account and disputed it but its still showing a balance on my report. This should be showing XXXX balance since I already settled this account. I would sincerely appreciate if they would submit a request to update this account so that it is reporting accurately with a XXXX balance and nothing past due or to completely remove it from my credit history.
02/15/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19145
 Web
I received a bill from Great American Finance stating that I owe {$3000.00}. I called and emailed multiple times to report this as a fraudulent account since XXXX XXXX but have gotten nowhere in resolving this matter. I first called on XX/XX/23 and was told to send an email with my information to their administrator and I would hear back. Its now XX/XX/23 and I still havent heard anything from them. I called again asking for help and the representative XXXX actually hung up on me
12/18/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IN
  • XXXXX
 Web
On XX/XX/XXXX, I received notification from my Mortgage Company and received a copy of my XXXX Credit Report, which determined that XXXX XXXX XXXX XXXX placed their credit transaction of {$1500.00} back on my credit report as of XX/XX/XXXX. This debt was discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX and should not be reporting on my credit report. I have talked with the creditor who advises that this should not be on my report, but it somehow reporting.
07/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60652
 Web
In accordance with the Fair Credit Reporting act XXXX Great American FinanceXXXX, 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
10/01/2021 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
  • NC
  • 275XX
 Web
On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.
08/23/2023 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
  • Their investigation did not fix an error on your report
  • MI
  • 48858
 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.
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
  • FL
  • 33185
 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.
07/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30340
 Web
Great American finance is trying to collect more than {$5000.00} from an account opened online at XXXX XXXX 's back in XX/XX/2022, delivered to an address that is not mine or related to me in any form, I have not opened this account neither have bought nothing in the pass from this retailer, I have filed a police report incident for fraud and identity theft. I filed a dispute on my XXXX account.
11/27/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • WV
  • 253XX
 Web
On XX/XX/ someone applied for credit at Great American Finance using my name and Social Security number. This was for a purchase of furniture at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia. I reside in XXXX, West Virginia and did not purchase furniture or apply for credit from this store. I was only made aware when I received billing information in the mail on XX/XX/XXXX XXXX
10/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IN
  • 460XX
 Web
Per the IRS, this account is canceled debt and its being reported on my credit as debt. I have requested a 1099-C form from this company to be furnished as this is ordinary income. I have not received this document. This report is inaccurate and is a violation of 15 USC 1681EB. I request immediate removal of this account to comply with the FCRA.
12/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60647
 Web
Great American Furniture added charges without any explanation when I made payments in advance and on time well in advance of the XXXX prepayment penalty. This is outright fraud and I can provide receipts and screenshots of their Website. They are preying on people and counting that the government wont do anything about it.
01/07/2019 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
  • OH
  • 44870
 Web
I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. Great American finance XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX/XXXX XX/XX/2017
06/05/2018 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 63304
 Web
Great American Finance acct XXXX open XX/XX/XXXX struggle with making payments due to financial hardships being unemployed at the time acct XXXX 30 day XX/XX/XXXX became unemployed again and struggle with making payments requested all late payments to be removed when acct was paid off they denied it.
02/03/2023 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IL
  • XXXXX
 Web
Hello My name is XXXX XXXX XXXX XXXX XXXX maiden Name ) My social security number is XXXX XXXX XXXX My contact number is XXXX XXXX XXXX XXXX XXXX is reporting a very old account only on my XXXX report and not XXXX or XXXX Wanting to know why And if we can get the account XXXX from XXXX Thank you
02/22/2023 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • FL
  • 33155
 Web Older American
Someone made a fraudulent purchase and opened a financial account with great American finance. The purchase was made in XXXX and I'm not sure how they did it but I'm not from there. I reside in XXXX Florida. I made a police reports and emailed it as well as other documents to XXXX XXXX
08/31/2021 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
  • 33165
 Web
This account should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status and provide me with the date of the last activity for this account.
11/06/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MO
  • 658XX
 Web
On XX/XX/23 I was informed by my employer that great American finance ( XXXX XXXX contacted my employer in an attempt to collect a debt, and I just made a payment. This was inappropriate, unprofessional, and could impact my employment. It also very much violated my privacy.
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48186
 Web
Great American finance was opened on XX/XX/XXXX, and closed in XXXX. They are reporting late payments for XXXX and XX/XX/XXXX. It says on my credit report that the account is open. Which is false information. This account has been closed for 5 years.
04/20/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60188
 Web
Great American Financial account No : XXXX open date XXXX/XXXX/XXXX my last payment made was XXXX. Great American Financial claim to have received a payment on XXXX/XXXX/XXXX this is not true. I have as for validation and they have refused.
04/24/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30349
 Web
the loan is included in my chapter XXXX the trustee make monthly payment and in XXXX XXXX they reported late payments which is not to have a copy of the payment the trustee made and also they have made a call to my job
08/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60657
 Web
On XX/XX/2018 I redhead out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
05/21/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Unexpected increase in interest rate
  • NJ
  • 07010
 Web Servicemember
Original balance was {$1800.00}. After a few months, balance was sitting at {$4400.00}. Store and finance company were in cahoot. This all started in XX/XX/2015. and up to now they still run my credit for updates.
04/20/2021 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
  • 601XX
 Web
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results
07/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • XXXXX
 Web
I have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34232
 Web
I received an alert that a new account was added to my credit report that I did not open. I called the company and was advised to start fraudulent claim. I never opened this account.
02/06/2023 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • SC
  • 29063
 Web
Identity Theft at Great American Finance Company opened a {$3000.00} revolving credit account in my name in XX/XX/2022 and I found it when checking my credit score in XXXX.
05/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91730
 Web
Noticed an account was opened in my name on my credit report from great American finance. Was not me and a new inquiry from XXXX bank XXXX XXXX credit was not me.
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
  • OR
  • 97217
 Web
I Am a victim of XXXX XXXX XXXX, and I have provided all of the documents to provide proof of this and I would like XXXX XXXX REMOVED FROM my credit report!
06/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30294
 Web
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
03/30/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 45044
 Web Servicemember
This account was opened online fraudulent and was abused
10/21/2022 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90057
 Web
Some accounts are not mine
04/05/2023 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
  • IL
  • 60620
 Web
I Was A Victim Of Fraud
02/04/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45371
 Web
01/30/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 45371
 Web
01/19/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19151
 Web
01/17/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21217
 Web
01/17/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WV
  • 258XX
 Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01843
 Web
12/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01483
 Web
12/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60649
 Web
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60805
 Web
10/24/2023 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
  • 33015
 Web
10/21/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • IL
  • 62269
 Web
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90046
 Web
10/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30066
 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
  • MI
  • 49507
 Web
09/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33190
 Web
08/09/2023 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
  • IL
  • 60419
 Web
07/19/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 62321
 Web
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60123
 Web
06/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90278
 Web
04/11/2023 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
  • IL
  • 60630
 Web
03/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 06804
 Web
03/22/2023 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
  • 49642
 Web
03/07/2023 No
  • 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
02/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NY
  • 10570
 Web
02/17/2023 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60139
 Web
02/10/2023 No
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 90301
 Web
01/19/2023 No
  • 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
  • 46077
 Web
12/22/2022 No
  • 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
  • 60074
 Web
11/21/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60419
 Web
11/18/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30517
 Web
11/18/2022 No
  • 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
  • 95828
 Phone
10/08/2022 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
  • 72117
 Web
08/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Unexpected or other fees
  • IN
  • 46075
 Phone
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
08/28/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60657
 Web
07/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77093
 Web
07/12/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77089
 Web
07/11/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23321
 Phone
05/03/2022 No
  • 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
  • 77584
 Web
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63114
 Web
04/26/2022 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
  • Their investigation did not fix an error on your report
  • IN
  • 46234
 Web
04/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • IL
  • 60185
 Web
03/28/2022 No
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30082
 Phone
02/17/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60651
 Phone
02/16/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76112
 Web
02/16/2022 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
  • IL
  • 60649
 Web
02/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60202
 Web
01/28/2022 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MI
  • 48066
 Web
01/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60620
 Phone
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
01/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94606
 Web
12/12/2021 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
  • GA
  • 30013
 Web
11/30/2021 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
  • 60426
 Web
11/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33626
 Web
11/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 72002
 Web
09/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95205
 Web
09/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60636
 Web
07/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23464
 Web
07/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35810
 Web
06/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95835
 Web
06/07/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • TX
  • 77449
 Phone Servicemember
05/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43615
 Web Servicemember
04/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48111
 Web
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20871
 Web
02/01/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • PA
  • 18940
 Web Servicemember
01/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29108
 Web
01/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60617
 Web
01/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60617
 Web
11/21/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 79938
 Web Servicemember
09/24/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • TX
  • 77025
 Web
08/04/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Unexpected increase in interest rate
Phone
07/21/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48235
 Web
06/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43612
 Postal mail
05/27/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IL
  • 60430
 Web
05/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53209
 Web
05/14/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 49008
 Referral
04/24/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48026
 Web
03/26/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IL
  • 60606
 Web
09/22/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 49548
 Web
09/19/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Application denied
  • IL
  • 60639
 Phone
09/18/2019 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
  • 78240
 Web
09/13/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48512
 Web
03/17/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48026
 Web
12/13/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OH
  • 44137
 Web
12/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60123
 Web
10/21/2018 No
  • 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
  • 60030
 Web
06/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
Phone
04/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48312
 Web
01/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
Phone
11/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IN
  • 46410
 Web
10/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60517
 Referral
10/17/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • IN
  • 46324
 Web
09/19/2016 No
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
  • IL
  • 60644
 Phone
09/06/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • IL
  • 60609
 Web
06/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • OH
  • 44125
 Web
04/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • MI
  • 48180
 Phone
03/10/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60620
 Web
11/30/2015 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
Phone
09/09/2015 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MI
  • 48327
 Web
06/23/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • IL
  • 60490
 Web
04/17/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 91302
 Web
03/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • IL
  • 60632
 Web
01/14/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 91302
 Web
01/03/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21208
 Web
12/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 92336
 Web
08/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60616
 Web