Lendmark Financial Services CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 20110	Web
I was sued by Lendmark Financial after defaulting on my loan. The loan originated on XX/XX/XXXX and the last payment I made was on XX/XX/XXXX. I fell on some cash flow issues the last quarter of XXXX. They were to help me exercise the unemployment insurance I paid for yet did nothing to help me through this. They continued to harass me daily about when I was going to pay off the loan. Then I found out that they were trying to sue me in court. Once I was sued, I began to look at the contract and discovered their interest rate for the APR was understated by nearly 2 %. According to TILA, that is a direct violation of that act. The judge that heard my case in XXXX XXXX XXXX VA on XX/XX/XXXX would not accept my evidence of the usury interest because the evidence was not certified. Also, they had me lie on the contract when it came to personal property they used as collateral for the loan. The witness I was going to bring to court would have cleared that all up quickly. The contract in itself contradicts its own language. The contract is not valid and it needs to be brought to everyone 's attention the predatory lending these people are involved in doing each and every day for profit. They have to be stopped. **THE FOLLOWING INFORMATION WAS SUBMITTED TO COURT WHERE I GOT A JUDGEMENT PLACED AGAINST ME. I HAVE APPEALED. ** VIRGINIA : IN THE GENERAL DISTRICT COURT FOR THE COUNTY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MOTION TO DISMISS WITH PREJUDICE AND, GROUNDS OF DEFENSE COMES NOW, the Defandant, XXXX XXXX XXXX XXXX XXXX Litigant, and for their Motion to Dismiss with Prejudice and its Grounds of Defense. MOTION TO DISMISS 1. ) Trial for this matter is scheduled for XX/XX/XXXX, at XXXX XXXX in General District Court for the County of XXXX XXXX. 2. ) Both the Plaintiff and the Defendant apperared in court on XX/XX/XXXX, and agreed to set the matter for a later date. 3. ) The motion to dismiss without prejudice is a request of the Defendant as the Defendant filed for Arbitration on XX/XX/XXXX and XXXX appointed our Neutral Counsel as of XX/XX/XXXX. The Plantiff has paid the intial filing fee of {$1700.00} and still has yet to fund the remaing deposit of {$6700.00}. Arbitration was agreed by both parties and takes the place of a trial. 4. ) A Warrant in Debt was previously filed against the Defendant that was dismissed without prejudice due to the Motion to Compel Plantiff to Arbitration on XX/XX/XXXX. Prior to XX/XX/XXXX the initial date of case XXXX, the Plantiff did not serve the Defendant by service of process and posted a summons on the door of an old address when in fact the Plantiff had the correct mailing address on file. The Defendant found out there was a pending case against them by accessing the VA Courts Online Informaiton website. The Defandants rights were violated in this action by the Plantiff and publicly posted private finanical information. The Defandant prays that this Motion To Dimsiss is granted with a civil penatly levied against the Plantiff in an amount that you Honor decides is fair according to VA XXXX XXXX. 5. ) The Defendant therefore asks the Court to dismiss with prejudice on the trial date. GROUNDS OF DEFENSE 1. ) The Defendant, XXXX XXXX, agrees with Plaintiff and hereby presents its Grounds of Defense, as requested by the Courts to be filed no later than XX/XX/XXXX. 2. ) The Defendant, XXXX XXXX, agrees with the plaintiff that Lendmark Financial Services, LLC is a finance company to be business if and only if they provide their License and who they assign as their access partners. 2. ) The Defendant, XXXX XXXX, agrees that the Defendant is currently residing at XXXX XXXX XXXX # XXXX, XXXX, Virginia, XXXX. 3. ) The Defendant, XXXX XXXX, asserts that the Plaintiff misrepresented secured property thus creating a fraud and deceit. and is in fact knowingly coerced Defendant in signing a property list to obtain the loan that said property did not belong to the defendant. ( See Exhibit A ) that they have breached their own contract and purposely omitted the secured property list that was not filled out by the Defendant. Under Virginias Consumer Protection Act 59.1-200. PROHIBITED PRACTICES A. The following fraudulent acts or practices committed by a supplier in connection with a consumer transaction are hereby declared unlawful:14. Using any other deception, fraud, false pretense, false promise, or misrepresentation in connection with a consumer transaction 4. ) The Defendant, XXXX XXXX, asserts the defense that the Plaintiff is in breach of contract by violating the Code of Virginia 6.2-1520.Rate of interest ; late charges ; processing fees B. A licensee may charge a loan processing fee not to exceed the greater of {$50.00} or six percent of the principal amount of the loan, provided that the loan processing fee shall in no event exceed {$150.00}. The loan processing fee shall be stated in the loan contract. The prepaid loan processing fee on my loan was {$330.00} and the statue clearly states 6 % of the principal balance but not to exceed {$150.00} in any event. Lendmark exceeded the allowable limit by {$180.00}, thus making this loan contract in breach of lending laws in the state of Virginia. 5. ) The Defendant, XXXX XXXX, asserts the defense of ambiguity and asks that the Plaintiff prove its interest rate that was quoted using the 1026.22 Determination of annual percentage rate under 12 CFR Part 1026 ( Regulation Z ). Defendant asserts the motion to dismiss court case based on false information and improper disclosure of interest rate in the state of Virginia and violating Truth in Lending Act and exceeding the interest rate for Virginia. 6. ) The Defendant, XXXX XXXX, asserts the defense of breach of contract under the Federal Law Section12 CFR Part 1026 ( Regulation Z ) and Virginia 6.2-1520.Rate of interest ; late charges ; processing fees A. The annual rate not to exceed 36 percent. The annual percentage rate is understated in the Truth in Lending Disclosure ( TILA ) and ends up being 37.8421 % which is significantly over the 36 % See Exhibit B. Furthermore, the Defendant motions to strike number six as the have violated TILA and Defendant seeks the maximum allowed civil penalty allowed by law. Therefore, if the rate of interest or effective interest rate is stated to be 33.30 % then the APR could not be 35.99 % that is listed in the disclosure. 7. ) The Defendant, XXXX XXXX, asserts the ambiguity defense as it is unclear to the Defendant what the Plaintiff is eluding. The statement in which the Plaintiff is referring to the Bill of Particulars Exhibit B does not belong to the Defendant. The Defendant ask that the courts to dismiss with prejudice based on incorrect account information. Furthermore, according to Consumer Financial Protection Bureau, The Final Rule XX/XX/XXXX states that once the consumer disputes and request validation of the debt, the debt collector has certain information that needs to be reported to the consumer. One of those items and it is an important one mind you are the account number on the debt. The letter of verification/validation that was sent to me with the proof of the debt that is currently in dispute is not my account number nor is it on my loan documents, or the mail that I used to receive in the mail with my monthly statement/payment voucher. This error is an error that can not be swept under the rug. This is a critical identification number for a consumer lending account with Lendmark, if the numbers do not match, therefore you must deem that debt in question is not valid and the loan is void and unenforceable. 8. ) The Defendant, XXXX XXXX, denies the validity of such information and there is not enough evidence to prove that XX/XX/XXXX, was the last payment date that the Defendant made on account. The Plaintiffs statement does not record such date or payment and goes back to Ground of Defense number XXXX. The Defendant motions to strike. 9. ) The Defendant, XXXX XXXX, asserts the affirmative defense of unjust enrichment. The Plaintiff is asking 15 % of the amount due and payable on a contract and/or note that is void due to fraud and misrepresentation of information. The Defendant asks the court to dismiss this case and award damages that are equal to Plaintiffs fees and apply those damages to make the loan balance equal the amount financed. Furthermore, the Plaintiff should be held to a higher standard of due care and not be allowed to file any further lawsuits concerning the Defendant. 10. ) The Defendant, XXXX XXXX, agrees with the Plaintiffs assertion, not active XXXX. WHEREFORE the Defendant, respectfully request that this case be dismissed without prejudice as the Plaintiff does not have a valid contract with the Defendant. The Defendant requests that the court seek punitive damages at {$1000.00} per violation of the Fair Debt Collection Act, Consumer Protection Act, in the amount of {$5000.00}. The Defendant has asserted several affirmative defenses with information regarding the reason why the Defendant is not in agreeance with the Plaintiff backed by Federal laws and the Code of Virginia protecting Consumer Rights. The Defendant prays that you find the Plaintiff exempt from being awarded Attorneys fees, late fees, court fees, and any other fee due to the negligence and lack of due car that Lendmark has bestowed upon the Defendant in what is predatory lending. The Defendant seeks to impress up on the court that no where does this loan note and/or contract state the following clause : XXXX. Required and prohibited activities and conduct. XXXX Every loan contract shall be in writing, be signed by the borrower, provide for repayment of the amount loaned in substantially equal monthly installments of principal and interest, and include the following statement : " This loan is made pursuant to Chapter 15 of Title 6.2 of the Code of Virginia ''. Nothing contained in this chapter shall prevent ( i ) a loan being considered a new loan because the proceeds of the loan are used to pay an existing loan contract or ( ii ) a licensee from entering into a loan contract providing for an odd first payment period of up to 45 days and an odd first payment greater than other monthly payments because of such odd first payment period. In all the loan documents for said contract, there is no statement for the required information on every loan contract. One can only infer that the Plaintiff has not followed the bylaws of the state of Virginia and should be penalized for this violation of consumer protection laws.
12/02/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44111	Web
XXXX XXXX 2021 I the natural person and consumer when to XXXX XXXX XXXX. Located at XXXX XXXX XXXX, XXXX ohio XXXX ; looking to purchase a vehicle primarily for personal, family, and household purposes using my open ended consumer credit plan as defined in truth in lending 15 usc 1602 ( j ) regulated by regulation z. I was told that I had to do a credit application and if I wanted the car that I was looking to acquire but wasnt ready I would have to put a deposit down that would be converted to a down payment once I purchase the car which it was noted in ( exhibit 4 ( left image ). Once I returned to finish the purchase on XXXX XXXX 2021 I was given a credit application from XXXX XXXX XXXX XXXX ) which I filled out along with my social security number that was requested/demand in order for them to allegedly run my credit. According to the social security administration www.ssa.gov/ssnumber/ ( A Social Security number is important because you need it to get a job, collect Social Security benefits and get some other government services ). When looking to purchase the vehicle I was not applying for a job, collecting social security benefits, or government services. So why was my number needed? After I filled out the information the male individual at the dealership ( not sure of his status ) pulled my credit report then sent my credit report to XXXX XXXX at lendmark Financial services llc. I was then told by the XXXX at XXXX XXXX that I had to go to Lendmark Financial services ( about XXXXminute drive away ) to sign more documents. I was and still am confused as to why I had to go there when I had no intentions on doing business with no one else but XXXX XXXX. Once I got to transportation outlet I was told to sit and sign some documents ( electronically ) so I could not take the docs home to review them. The forms that were presented I believe where false and misleading pursuant to 15 usc 1692e using unlawful tactics and unlawful wording to coerce payment of an alleged debt. Entire contract is uploaded as well labeled ( Lendmark deceptive agreement and Exhibits ) also violating 15 united states code 1. After I was done being coerced to sign the deceptive forms there was no other party that was signing the agreement except for the person who signed as just acknowledging that I have reviewed the document ( XXXX XXXX ) which is just an employee and not a authorized signer which could only be the registered agent. So with out a meeting of the minds and 2 valid signatures I have reason to believe and do so believe that there is fraud associated with this alleged loan due to being incomplete. After reviewing my documents I realized that there was another application for credit labeled ( Exhibit A ) ; XXXX XXXX has the first credit application ( chattel paper ). This exhibit clearly states im applying for credit but the lender converted it to a loan by misrepresentations. Under Exhibit B the lender has there name stated as the lender but not creditor pursuant to 16 cfr 433.1 ( c ), and does not show XXXX XXXX as the seller pursuant to 16 cfr 433.1 ( J ). I am the consumer in fact. Below on Exhibit B it shows that I am giving security interest. What is the security that I give? It was never disclosed to me. I was not given proper informed use of my credit pursuant to 15 usc 1601 or all proper disclosures clearly and conspicuously pursuant to 12 cfr 226.5. On the promissory note/ security agreement there is no other signature but mine. So I have reason to believe and do so believe that the document that I have is noting more than a consumer credit contract pursuant to 16 cfr 433.1 ( I ) which is an instrument which evidences or a debt arising from a purchase money loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of 16 cfr 433.1 is it not? As I sat in the chair at the front of lendmark Financial services offices I have reason to believe and do so believe that I asked the employee what does it mean by secured obligations I highlighted on Exhibit C and I have reason to believe and do so believe that I was told that the vehicle was the security which left me more confused as to if that is the case then why was my social security number needed. So I ask again is the vehicle the security or the number the security and why are or where they both needed? Following that statement the document began to display more federal violations to coerce payment which are labeled 15 usc 1692e ( 4 ), 15 usc 1692e ( 12 ) and 18 usc 8. As noted at the bottom of the page this states this is a consumer credit contract ( not a loan ) and I have to right to assert claims and defenses against the seller ( XXXX XXXX ) pursuant to 16 cfr 433.2. Exhibit D ( 1 ) - D ( 3 ) I dont agree to the arbitration clause and I intentional scrolled past it and the employee went back and clicked in my signature where I intentionally left blank. Further more in Exhibit E all of the insurance they claim was optional but I was forced to purchase my own outside of the contract with progress and was told to make them the lien holder on the vehicle when the insurance was supposed to be included in the finance charge pursuant to 15 usc 1605. On Exhibit F I specifically told the employee that providing that personal information about others is against the law and violating peoples right to privacy and he told me I have to put down at least XXXX and that is their policy ; event though company policy does not supersede federal law. Exhibit G shows how Lendmark financial services shows blatant disregard of federal law stating they can report late payments and other credit information violating the fair credit reporting act. Exhibit H is another form that was presenting false and misleading information in direct violation of the XXXX XXXX XXXX act which is the right of privacy. They coerce me to give up that right they can sell and market my personal information for their financial gain. All through out this contract they continue to refer to me as the borrower when in fact I am the consumer and nature person extending the credit to this lender so they can use it as relief from the current chapter XXXX bankruptcy that the country is currently under. If I am not the extender of credit where does the lender ( business ) gets the funds or credits from? Under Exhibit J is says that there would be a loan proceeds that I should pick up at the branch location I received a letter of credit ( not a loan ) also a {$15.00} check in the mail that I have no clue as to what it is as displayed in ( exhibit 4 ( right image ). What is it for? Upon completing the paper work I was told to go back ( 30 minutes ) to XXXX XXXX to pick up the bill of sale, give them the letter of credit, and pick up the car. The bill of sale I got from XXXX XXXX reflects a that below the vehicle description The above vehicle is guaranteed by seller to be free and clear of all liens and encumbrances but in the next box below it shows the Lien would be Lendmark Financial Services. As the consumer I am challenging the accuracy and integrity of the disclosers and I have reason to believe and do so believe my social security number was coerced from me by both persons ( Lendmark Financial Services and XXXX ) to be used to create a trust indenture to extract federal funds from my estate. This is a direct federal violation of 15 usc 1. Yesterday at or around 10 to 10:15 pm an unauthorized third party by the name of XXXX XXXX was sent to steal my property from a friends drive way on XXXX XXXX, in XXXX XXXX ohio. The vehicle is currently located at XXXX XXXX XXXX, XXXX ohio XXXX at the impound lot. This is a federal violation of 12 cfr 1006 ( 15 usc 1692 ). I do plan to pursue major litigation to the highest extent in district court with all of my documentary evidence on both parties if I do not have my property and title released to me within the next 7 days. Pursuant to ucc 3-302 I acted in good faith and the other person ( s ) involved did not. I have reason to believe and do so believe the other persons acted in bad faith with the sole purpose to defraud me of securities, federal funds, and property for financial gain. I also have reason to believe and do so believe that this pursuant to 15 usc 77b-1 because the term security is any note, stock, treasury stock XXXX security future, security-based swap, bond, debenture, evidence of indebtedness, certificate of interest or participation in any profit-sharing agreement, collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, fractional undivided interest in oil, gas, or other mineral rights, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities ( including any interest therein or based on the value thereof ), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or, in general, any interest or instrument commonly known as a security, or any certificate of interest or participation in, temporary or interim certificate for, receipt for, guarantee of, or warrant or right to subscribe to or purchase, any of the foregoing. 15 usc 77b-a. This is you alls opportunity to cure return my property immediately. In closing i attempted to rectify this situation via attorney general but dealer refused to correct the issue so I had no choice but to escalate my efforts to recover what rightfully belongs to me, now that my means of traveling was stolen unlawfully to me. I demand a written response at your earliest convivence.
12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20774	Web
XXXX. Lendmark Financial Services XXXX Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in the months of XX/XX/XXXX up to July 2019, 60 days late from the month of XX/XX/XXXX and XX/XX/XXXX, as well as 120 days late on the month of XX/XX/XXXX and XX/XX/XXXX and 150 days late in the month of XX/XX/XXXX. I immediately disputed this information with Lendmark Financial Services XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22150	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting inc 1. LENDMARK bal. {$12000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/21/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MD 20721	Web
To whom this may concern, At the Consumer Financial department Good Afternoon, I have been dealing with XXXX XXXX XXXX XXXX for a more then 4 years now. I had two accounts and loans that I have paid off with them. I open another account which is my latest account and I have the worst experience and unprofessional staff that I have dealt with. Located at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. The branch Manger XXXX and his staff have been very rude, disrespectful, unprofessional, threatening and belittling towards me on my most recent loan. This branch and company have been harassing me at my work place and personal cell phone. I have been called multiple times on my work phone. With threats about garnishing my paycheck and threading me I will be sent to court by the associate XXXX. My Job asked me not to receive those types of phone calls and I explained to XXXX XXXX XXXX XXXX and branch manger XXXX, XXXX and XXXX to please stop. I fell behind payments and explained to them I will be making the payment to catch the account back up to good order. They explained that I would have to come in and make the payment. They said the document I was signing was just stating that I will make the payment of amount that was asked to catch the account up and current. They lied and told me to sign something that I did not agree with. I got with a lawyer and he explained they placed me in trap that I could not get out off and it wasnt right. Once speaking to XXXX I asked why didnt you explain to me what this agreement was and lied about. He explained that was not his problem and he did not want to speak to me. I continued to make the payments for the amount of {$120.00} a month from that point on. Lendmark Financial called me on XX/XX/2018 to make a payment I missed and I explained that I totally forgot and told her to go ahead and use my debit account I had on file. She explained she will put me on a brief hold and never came back. Somebody else answered and she was very rude and loud stating she needed my Last name. She didnt tell me her name or what was going on. I asked why didnt she have my information and last name before I could finish she just put the phone back on hold not saying give me one moment to put you on hold. She put me back on hold and never came back I waited on the phone for about 5-7 mins and hung up to call the branch back. I called back to the branch and asked to speak to XXXX. He explained that he was getting tired of dealing with me and the feedback of him and his staff. I explained as a customer or client I have the right to express my feedback of him and his staff. Which he did like and expressed to him that I will be in the branch to make payment by quarters and pennies. He explained that was fine do what I would like I also explained I would be there in the next 15 mins and he said fine. I come to the XXXX branch and XXXX is at the front and explained that she will check with XXXX if It was okay to accept the payment which is a LEGAL TENDER. He made me wait for 20 minutes before he would come out and talk to me to tell me he wouldnt accept the payment. I explained that I do not have a bank and this is what I have to pay my account and explained to him you told me it was okay on the phone now it is not. The employees said we not about to count that all loud and rude to me. I explained to him that the law requires you take any XXXX XXXX especially when I owe a payment. He told me and mom and cousin that we could all get out his branch and did not want to deal with us and still refused payment which is all on video. They all continued to look at us and would not accept after multiple times trying to pay for my account. Since I have signed this agreement with Lendmark that I would pay I have had nothing but issues to make my payment trying to make it impossible for me to make a payment to fall delinquent. With that said Lendmark did not keep their agreement with me. He also noted he did not care because he would garnish my paycheck and he would move my account to another Lendmark without my permission I explained to him I did not want that. He explained he did not care and I had no option to this. The branch has blocked my phone calls or ignored me I had to call from a friend number just to get in touch with them on XX/XX/2018. I called to get the number to their lawyers office that had the agreement with me. I have all the videos and prof that they refused the payment and the customer service has 0 Value at this branch. I also called the corporate office on XX/XX/2018 and spoke with XXXX, XXXX @ XXXX and explained what was happening at the branch she called and spoke with XXXX . He explained he would refuse the payment as well to XXXX. She got back on the line and explained the same thing and thought the issue was funny and laughing at me. I would like call review based on her as well because that is not professional in any way. She didnt take my concerns seriously and placed me on 7 min hold just for an confirmation claim number. You could hear her laughing and telling other call center associates about the problem and chuckling over the phone. I would like resolution to this issue because this company is Rude and I will not give up even if I Have to take the video and documents to the news. FYI - My local news company XXXX XXXX is interested in this story. But I will wait until Lendmark gives me an answer. They are aware of the Class action law suit that is currently happening and would be an add-on on how your branch mangers act on video to customers and clients XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
04/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CO 80134	Web
On XX/XX/XXXX, I received an invitation to apply via email for a personal loan from XXXX XXXX. On XX/XX/XXXX I called to follow-up on the status of my application and was told by XXXX that she was busy and would call back later in the day to finish the application process and determine what documents were needed for the approval. I submitted the requested documentation via the requested portal on XX/XX/XXXX. I provided the banking statements, SSI award benefit letter, and various paystubs from my employers. I have been going back and forth with XXXX for the last four weeks providing her unnecessary paperwork from my respective employers. She requested my very first paycheck from my longest employer and asked why the names differed. I explained I work for a franchised location and that name will not be listed on the employer on the outside of the building but would go by the LLC the owner created. She then followed up with for auditing purposes I need for you to provide the W-2 as well to make sure the names align of your employers. Provided this as well, copies of my banking statement, award statement of SSI benefits. I provided to her three wage statements from my longest employer and the wage statements from my previous employer. Which is strange that I was qualified for the {$4000.00} loan then but once I provided the newest wage statement from my new employer I'm declined without a reason. So, this makes zero sense XXXX is rude, disrespectful, and unprofessional. She kept speaking over me and would not provide the reason why my loan was declined. I have more than enough income to accommodate the loan. I have a considerable amount of student loans but was still able to purchase a house last year with providing a letter from my lender proving the amount listed on my credit report is incorrect. Theres not even an amount listed on my report as theyre in deferment. So, this means she took 1 % of the value which of course would make my DTI insanely high as I have over a XXXX XXXX XXXX XXXXXXXX dollars in student loan debt. XXXX intentionally sabotaged and decline my application stating they were unable to verify my income which is incorrect I provided several months worth of wage statements and banking statements. She refused to let me explain my DTI and stated she can not change the amounts which she can. Ive previously provided them a letter from my student loan lender when I had a loan with them in XXXX, XXXX, and XXXX. It appears only XXXX is every the only one working. Conveniently her manager was on vacation at the moment during the week of XX/XX/XXXX so I could not speak with her to discuss my concerns about how this situation was handled. When I called to ask for the corporate phone number XXXX became even more unprofessional and rude and told me to XXXX it like everyone else does. I find it odd that she does not have the number to corporate on hand considering it is a financial institution. Last week I asked to speak with her manager about her unprofessionalism she declined and said she could handle the situation without involving her manager. I thought the purpose of requesting a manager is voice concerns about the various interactions and handling of my application to which she refused. Each time I call in it takes majority of the business day to get a return call or a follow up the following day about the application. I have never had this happen before and I've had three loans with Lendmark in the last ten years alone at this same location. It is troubling that I was approved with the income provided and then a complete 360 once I provided my new way statements. I believe XXXX 's loan declines require additional review and an investigation needs to be launched. The last time I took a loan out with Lendmark in XXXX there were no underwriters in the store, and she claimed the underwriter at her location could not approve the loan due to the DTI to which again we spent 20 minutes talking about my mortgage, two car loans which are the bulk of my credit portfolio at the beginning of the loan process. My loan application should not have been denied and XXXX incorrectly input the information and refused to allow me the chance to submit supporting documentation as I have previously been able to provide for loans with Lendmark Financial. I filed a complaint on XX/XX/XXXX, complaint # XXXX and was told I would receive a call back on or before XX/XX/XXXX, to which I followed up on XX/XX/XXXX, and XX/XX/XXXX and XXXX failed to relay the message that I wanted to Speak with XXXX XXXX on purpose which means she definitely has something to hide or does not want to be held accountable for intentionally denying an application and incorrectly input the data that was provided. I called corporate this morning ( XX/XX/XXXX ) and was told I needed to wait to speak with XXXX to which I told them she has yet to follow up and I would like the matter escalated. After asking twice the representative told me they would escalate the matter up to XXXX XXXX but it would be on or by XX/XX/XXXX which is unacceptable considering I filed the complaint 10 days ago and requested on multiple occasions to speak with XXXX and XXXX refused to do so.
02/12/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	SC 29715	Web
I have a car loan through Lendmark Financial Services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. The loan was created XX/XX/XXXX. I am primary on the car loan and their is a cosigner-secondary on the car loan. The cosigner and I had a verbal agreement that he would be on the only driver making the payments, keeping insurance on the vehicle. If he broke the agreement. The vehicle would be returned to me. The monthly loan amount is {$300.00} ( see attached statement ). The cosigner made 1 payment. I have made 3 payments 2 in XX/XX/XXXX and one in XX/XX/XXXX ( see attached statements ). This loan was referred to Lendmark Financial Services by XXXX XXXX XXXX XXXX ( see attached paperwork ). When I looked up the company online today they are permanently closed. XXXX XXXX XXXX XXXX had their own group of lenders to process the car loan but, was unsuccessful to verifying the cosigners income. This is what XXXX XXXX told me. I was unsure why at the time but, later found out why. XX/XX/XXXX the cosigner and I had a heated argument about him making car payments as he was the only one who had access to the car and keys. He has always been the only person driving the car. I expressed that I and my references were receiving collection calls and the negative impact on my credit. The cosigner continued to refuse to make payments and would not return the car so other arrangements could be made. He admitted that his pay stubs were fake. The next day I called Lendmark and spoke to the branch manager and made her aware of this. Asking for the car to be repossessed. At this time a deferment was made to bring the payments current to XX/XX/XXXX. XX/XX/XXXX was a repeat of XX/XX/XXXX. The cosigner continued to refuse to make payments and would not return the car. I did ask the branch manager for other options. Such as they redo the loan only in my name. I could then report it as stolen. The options were to bring the car to the office to be repossessed or the cosigner would have to be present and the car loan could be done only in my name. At this time the cosigner would go to XXXX GA back to XXXX MD. I did request the car be repossessed again and gave Lendmark Financial any and all information about the cosigner whereabouts. To this day the car still has not be repossessed. The cosigner has blocked all communication with me. The car is also register in my name and my address. I have received multiple Citation Speed Monitoring Violations ( see attached paperwork ) and statements from the Maryland XXXX XXXX for running tolls ( see attached paperwork ). My name is jeopardy due to the attachment of this car, at the will of someone else. If anything happens to the car. I will experience more difficulty. I am being held hostage making payments for something that I have absolutely no access to. Now as a result of the above my wages have been garnished in the amount of {$490.00} ( see attached paperwork ), I have a judgement in VA against me and a charge off on my credit. I have had to hire a lawyer for a fee of {$650.00} and made a verbal monthly payment arrangement of {$200.00} with Lendmark Financial ( 1st payment made XX/XX/XXXX see attached ). I have been experiencing Financial, Mental and Emotional distress since the creation of this loan. And even more financial distress the beginning of XXXX, unable to pay my my mortgage due to additional income being taken from my household. I have verified with the clerk at XXXX XXXX District Court and Lendmark Financial Services that the cosigner has not received any garnishment. The reason for the complaint : At the time of signing the loan, I was not told that I could be the only person on the loan. At the time of signing the loan the cosigner 's income and employment was not verified. It seems as if only my income and credit were used and I had to carry the other party. Meanwhile the other party is reaping benefits for providing false information. This all occurred to me when I found out that the cosigner had XXXX XXXX XXXX as his employer on the loan application with Lendmark. When we were on speaking terms the cosigner told me that he worked for XXXX XXXX XXXX years prior to knowing me. If Lendmark would have done their due diligence to me as the consumer by verifying his income. I cant see why a company as reptiable as Lendmark Financial Services would have allowed the cosigner to be added to the loan. With this information I could have made a better decision as a responsible consumer. Therefore, making other arrangements for the loan instead of letting it go into default and experiencing so many other difficulties. I have worked hard for everything I have and never dreamed of someone would want to take advantage of me. But this is what happened. Lendmark Financial Services has aided the cosigner with this act of fraud.
03/17/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 239XX	Web	Servicemember
The loan officer at LENDMARK XXXX VA now terminated as a employee that handled my car loan which was only balalance XXXX ( I put XXXX down paymnent ) XXXX XXXXthe loan officers were friend with my ex husband and added my loan to his high preexisting 's loans of him and his aunt. The loan officer told me to just sign blank sheets and would fill out, Once I found out this violation and Un authorization of my loan, I met with the white manager and loan officer. ( XXXX XXXX ) that assured me they would separate the loans but to keep paying the loan so I would not loose my vehicle. I immediately separated from my husband attempting to file for an annulment but was told by circuit court that this county does not do annulments and that i would have to separate a year for a divorce, I separated and moved to XXXX but came back with witness for them to take my name off of his preexisting loans which were very high mine was on XXXX and at that time saw that i was the only one making the payments my EX husband would not respond... so the two white loan officers whom knew and dealt with XXXX for over at least XXXX in preexisting loans told me they would just refinance my loan. Now my loan would be for XXXX for 5 years so in XXXX annual finance of XXXX anyway the vehicle was put in my name but i got no documents Now XXXX they told me they got it adjusted i had paid XXXX so XXXX told me that i would be paid off in XXXX in XX/XX/XXXX I refinance got a PAID IN FULL XXXX and on both it showed finance XXXX on both documents my vehicle is paid for. The loan officer told me not to speak to new XXXX branch manager because she was not familiar with my loans and XXXX XXXX several preexisting loans, I took my divorce decree into Lendmark & XXXX XXXX in which XXXX XXXX agreed to pay all his existing loans & his vehicle and I would only be obligated to my vehicle loan in which I have paid as of XXXX my loan in full. Now the new branch manager is confused but according to documents in her computer my ex-husband with his aunt has several derogatory loans, Also my career is XXXX as a District Loss Prevention Investigator and Trainer. I have prosecuted many employees for fraud with customer or friend they knew in larcenies, credit card scams. embezzlements, bad checks fraudulent refunds etc. These past white employees and managers both terminated were friends with ex-husband and his family taking out loans without the proper substantial incomes, this is a little town. Anyway i went to have a meeting pointing out facts and evidence to LENDMARK. Now they could now provide me with the original contract for my vehicle, they is no way that you would {$16000.00} dollars on a {$500000.00} loan. Now XXXX XXXX in XXXX took my name off of XXXX XXXX {>= $1,000,000} loan for his truck as the court order decree stated. So the branch manager XXXX XXXX contacted her regional manager because i was going to turn vehicle back into them, This regional manager kept did not have the facts and told me to make payments..I asked for my original contract of my loan of only XXXX period. i also told him my background and that he may have a internal employee fraud and larceny prior to his new staff. He explained that I received XXXX when I refinanced, I explained that I received no money at all nor would he find a refund check in my name nor an deposit into my banking account and you do not give out cash here. I explained I have prosecuted many of employees with company account giving credit refunds /refunds but POCKET that money themselves. But i had a witness with me an officer of the court and that i recorded the meeting with hid loan officer XXXX XXXX. So at that time they XXXX XXXX branch manager told me to take my vehicle back and would be in touch I have not heard from them since. Now XXXX XXXX informed me not to make the last payments because i had paid in full of course she is no longer an employee there. I have contacted the Corporate headquarters Lendmark file a complaint but i need your help in the federal regulations that this loan office is doing and help with my case ... The Lendmark office is XXXX XXXX I have paid for my vehicle in full!!!!! My phone number is XXXX XXXX pl ease help me. Thank YOU,,, My divorce decree attorney XXXX XXXX XXXX XXXX, attorneys are expensive and i should not have to go through this due to a fraudulent employee friends of kin to my ex husband XXXX XXXX XXXX and family to pay his several outstanding Derogatory LENDMARK loans.
10/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 936XX	Web	Older American, Servicemember
XX/XX/2017 To : Manager of Lendmark in XXXX, Ca. Regarding : Loan Application If I may, Manager of Lendmark in XXXX, Ca. let me paint a picture of several atrocities perpetrated by one of your associates, XXXX XXXX. I called last Friday ( XX/XX/XXXX ) in the morning about XXXX in hopes of a helping hand and instead Mr. XXXX helped himself. He called me back at XXXX to let me know my loan application ( never filled out or signed a loan application ) had been approved. That in itself was a red flag as I have never done a loan application over the fone before. Im old school, maybe behind in these modern times but Im aware of sharks swimming in shallow waters. XXXX got the ball rolling faster than you can say XXXX XXXX. This is where it gets a little hairy and somewhat out of control. One : I asked for XXXX XXXX XXXX loan and he came up with a XXXX XXXX XXXX XXXX ( thats some fone application ) is that why you people do loan applications over the fone? He let me know my credit was decent and he took upon himself to ante up the loan application. Two : We went outside to take pictures of my XXXX XXXX XXXX and he appraised at {$2000.00} (? ) no way, buy it from me. Three : We went back inside the office where he proceeded to ask me about my property. How many TVs do you have? I told him I had a 19 HD flat screen, a 32 and a 27 and he automatically ( without me finishing the sentence ) assumed they were HD flat screens ; they both dont work and are not H Ds. Then he as me if I had any more electronics like a computer, laptop and I told him yes but before I could finish my sentence he also put them down as collateral. He was doing a lot of assuming. My lady friend took them with her when she inherited a house right down the street. It was obvious this guy was in a hurry to close the deal, maybe he had some other XXXX lined up in sidelines. All this took about an hour and in that time he never mentioned the interest rate or that these items were to be used as collateral. This is not my first rodeo ; Ive been around the block more than the ice cream man. This guy is a con man, poor excuse for an original gangster. Sometimes when youre trying to be cool, you drool and he was drooling all over the place. I dont want any sharks swimming in my waters. Five : He kept asking me for my routing number to my credit union never telling me why he wanted my routing number. I figured it out while I was driving home thinking about it. One thing is for sure he will never get my routing number. What a XXXX! Six : He never got the pink slip from me he just wanted to close the deal ( that doesnt even feel right ). Seven : He put a lien on my car before I made could make a payment so I couldnt get my tags. I went to the XXXX DMV, XXXX DMV, and the XXXX XXXX DMV where they at least told me I had lien on my car, the other two DMVs said I was ineligible. Where does this guy get off so maybe I can meet him there? This is an illegal act on his part. Now I know I can go certain ways with this matter I have options ) so I need you to reflect on how youre going to correct this loan. The running around for my tags alone warrants some justice. Ill make my payments ( but not at this interest rate ) either by money order or in person. Ill give you my pink slip, BUT I will not give you my routing number. I do hope you can fix this loan because Ive been working hard to make my credit ratings better and now Mr. XXXX XXXX is going to screw it up. I know I signed a contract but I also know you as lenders have some scruples to abide by. Mr. XXXX obvious hasnt read that book or even a chapter in that book. In closing, I WILL not deal with XXXX XXXX anymore. Also, you signed and approved this loan or did you. If XXXX had anything to do with it maybe you didnt read or see the loan application I would not put it passed him to have done this all on his own. One XXXX off customer XXXX XXXX XXXX p.s. I was going to send this to Georgia Headquarter but I thought I should let his matter be settled here in California. If this is going to a burden to you it will definitely be a burden to me. I wonder how many hard working persons have gone through this procedure with XXXX XXXX, it will not happen again not if I can help it.
08/06/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	OH 44128	Web
I myself only speaks for myself and act on behalf of my only. It is a fact that I am the consumer in fact as defined by law, It is a fact that my consumer rights have been violated so be it. On XX/XX/XXXX I initiated in the purchase of a vehicle with XXXX XXXX XXXX and shown intrest in a vehicle and I asked how there process work for me to purchase on credit and immediately they began talkin about submitting a credit application and stating that the credit application is a loan application. The false and misleading representations started here. It is to my knowledge that there are no statue of limitations on fraud. I was told to put cash down as a deposit and downpayment to prevent them from giving another party interest in the vehicle. On XX/XX/XXXX, i returned to purchase the vehicle on credit but was told to do a credit application with there financial institution which is ( lendmark financial ). I entered into the consumer credit transaction with lendmark and they began immediately giving me false and misleading forms and using deceptive tactics to coerce payments from me that I believe is against the law under the FAIR DEBT COLLECTION PRACTICE ACT. I have the original bill of sale from XXXX XXXX XXXX that shows the vehicle is paid off and I owe nothing on the vehicle as well as a receipt showing they took XXXX $ cash from me which is a believe against the law under the truth in lending act. The bill of sale also states that there will be no liens on the vehicle but named lendmark as the lien holder on the vehicle. After which Lendmark coerce me into signing misleading and deceptive forms, one of them specifically states that they will be giving me proceeds of a loan that i will pick up from them which left me more confused and felt as if im being taken advantage of. I was applying to purchase a vehicle on credit and they forced a loan on me and the proceeds of that fraudelent loan was a {$15.00} check that I can and will upload. It is a fact that I do not consent to this fraudulent loan nor do I intend or paying it. Lendmark then proceeds to place an illegal lien on my vehicle attemptig to coerce payments to be made and used a lot of obscene and profane language on documents and sending me post cards stating that I owe a debt of over {$12000.00} which is false, I will be making follow up reports to the attorney general, federal trade commision, office of comptroller of currency and seeking litigation through XXXX District of Ohio court for all the harm and damages that have been done to me ( the consumer ). Please be advised my cease and desist is included : Cease and Desist It is a fact that I am the consumer and this is a communication to cease and desist pursuant to 15 usc 1692 ( C ) c. Pursuant to 15 usc 1692 ( C ) c 2 I am invoking my specified remedy as the creditor and pursuant to 15 usc 1692 ( c ) c1, I advise you to terminate all further collection efforts. Furthermore, pursuant to 15 usc 1692cc3 I demand that you XXXX out the balance on this account numbered XXXX / vehicle ( XXXX XXXX XXXX ). Return my {$1000.00} down payment ( cash deposit ) in the form of a certified check to XXXX XXXX XXXX, XXXX ohio XXXX, with the vehicle title lien free and report to the consumer reporting agency that there is a XXXX balance on this account as well as sending separate check in the total of {$40000.00} for violating my federally protected consumer rights. Please be advised you are on such notice ; complaint has been sent to federal trade commission and consumer financial protection bureau ; the ohio attorney general and United States XXXX district of Ohio court will be notified as well. Notification shall be complete upon receipt. Date of notice is XXXX day of XX/XX/XXXX.
11/08/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NC 27545	Web
Early XX/XX/XXXX-contacted Lendmark to inform them that I was going through a divorce and wanted to find out my options to settle my account ( husband had the vehicle ) .Spoke with XXXX ( Branch Mgr ) who informed me that they would be willing to settle the balance for {$6000.00}. XX/XX/XXXX-the vehicle was sold to XXXX XXXX XXXX, XXXX in the amount of {$6000.00}. XXXX met the Broker personally, signed the paperwork and collected the check herself. She was informed me that she would settle the balance owed on my account as discussed a couple of weeks back. XX/XX/XXXX-Sheriff showed up at my home and served me with a summons to appear against Lendmark Financial - court date was XX/XX/XXXX. XX/XX/XXXX-Placed call to Legal Aid to find out my options to fight this. Called Lendmark Financial to speak with them about the matter. Spoke with XXXX XXXX, who pulled up my account and stated, " I see where they misapplied your {$6000.00} payment - this should have been entered as a settlement ma'am. '' I replied, " That is correct, which is why I 'm in dispute of the suit against me. What can I do to resolve this matter? '' She stated that she would speak with her manager about it and call me back in a couple of hours. Called back the evening of XX/XX/XXXX after not receiving a returned call from XXXX. Also called twice on XX/XX/XXXX, and 3 times on XX/XX/XXXX-she was never avail to speak with me. Called again twice on the following days : XX/XX/XXXX, XX/XX/XXXX. Called morning of XX/XX/XXXX and finally got her on the phone. She stated that the immediate solution to keep the case out of court would be for me to come to their office and make a payment of {$320.00} for XX/XX/XXXX and to sign a deferral agreement for XX/XX/XXXX and XX/XX/XXXX. XXXX stated this would bring my acct current. I visited the office at XXXX on XX/XX/XXXX and made the payment in cash and received a receipt. I also requested official documentation on letterhead ( signed and dated ) stating that they are dismissing the case against me on XX/XX/XXXX. XXXX and her branch manager XXXX XXXX advised me that I did n't have to show up for court the following morning and that they would update the court that they would dismiss the case when our docket was called. XX/XX/XXXX-I showed up to court to represent myself against Lendmark 's advice and I 'm glad I did. XXXX was at the bench telling the judge that they " moved to continue the case ''. The judge saw me and asked my defense and I presented Lendmark 's letter stating that they would DISMISS ( not continue ) the case. The judge praised me for showing up to defend myself and bringing proof and dismissed the case, but not without reprimanding XXXX for lying under oath! XX/XX/XXXX-following the case, I visited another Lendmark location to speak with someone about what had transpired in court and to attempt to get resolve on my account. I was informed by the Sr Acct Mgr and Branch Super that XXXX and XXXX used to work at that location and were transferred due to to poor business practices with their customers. They advised me to speak with XXXX XXXX about this entire matter. They even emailed her on my behalf in their office to initiate the conversation. XX/XX/XXXX-To date, I have attempted to contact XXXX XXXX twice a day since XX/XX/XXXX. She has yet to return my call. I received a call from XXXX this morning at XXXX stating that I owe for XX/XX/XXXX, therefore my paperwork from them states that the payment I made on XX/XX/XXXX was for XX/XX/XXXX.
02/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 23434	Web
NOTICE OF RESCISSION From XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To : Lendmark Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ATTENTION : C.F.O., C.E.O, and President of Company RE : Consumer Transaction Agreement between XXXX XXXXconsumer and Lendmark Financial Services XXXX XXXX Transaction Date : XX/XX/2021 CC : Registered Agent : XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : GA Attorney General I here by exercise my right to rescind this agreement under provisions of the 12 CFR 226.15 ( a ) ( 3 ) which states that if the later of any of the two below does not transpire the consumer holds the right to rescind. See requirements set forth by federal law below. ( 3 ) The consumer may exercise the right to rescind until midnight of the third business day following the occurrence described in paragraph ( a ) ( 1 ) of this section that gave rise to the right of rescission, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, 36 whichever occurs last. If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act. ( b ) Notice of right to rescind. In any transaction or occurrence subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall identify the transaction or occurrence and clearly and conspicuously disclose the following : ( 1 ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( 2 ) The consumer 's right to rescind, as described in paragraph ( a ) ( 1 ) of this section. ( 3 ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( 4 ) The effects of rescission, as described in paragraph ( d ) of this section. ( 5 ) The date the rescission period expires. The consumer XXXX XXXX, did not receive ANY copy or option of possible option to rescind. Therefore, I wish to hereby rescind my consent to be liable to perform on this contract immediately. The contract can remain, however, I rescind my consent to perform on behalf of the obligor due to violations listed above. I also would like to outline that along with the above violations, federal law defines finance charges as the sum of all charges. Meaning that the total amount financed should be the total of the finance charges and nothing additional. Federal law states that such violation warrants civil liability for twice the amount of the finance charge. If there has been any adverse reporting to any of the three consumer reporting agencies I demand that these be removed and accounts deleted from my consumer credit reports altogether. I am requesting the above actions be performed within ten days of receipt of this letter. Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32073	Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/2021 I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : LENDMARK XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX
11/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 768XX	Web	Servicemember
On XX/XX/XXXX I purchased a used vehicle XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, Tx. At the time I was looking at the vehicle I requested a Vehicle history report and or Car Fax on the vehicle which I was told XXXX XXXX XXXXXXXX XXXX that they do not provide those but they assured me that there were no accidents or major problems with the vehicle. XXXX XXXX XXXXXXXX referred the loan on the vehicle to Lenmark Financial which they said that was the only lender that they personally deal with. Vehicle was priced at {$17000.00} with a final finance of {$19000.00}, with a {$500.00} hold fee that XXXX XXXXXXXX XXXX required along with {$2000.00} down that was paid directly to XXXX XXXXXXXX XXXX as well as a Referral Fee that Lenmark paid to XXXX XXXX XXXX for their business. The problem that I am having is that the vehicle was sold to me as a sound used vehicle when in fact two days after taking possession of the vehicle we started having major mechanical issues with the car, spoke with XXXX XXXX XXXXXXXX about the issues and they said ( verbally ) that they could look in to fixing them but it would be two or three weeks before they could get to it. By that time the time limit for a return/dissolvement of the contract would be over. I spoke with Lenmark about dissolvement of the contract and return of the vehicle and they said that I was unable to do that and my only options were to trade the vehicle for a different vehicle on the XXXX XXXX XXXX Lot or to Fix the vehicle myself out of pocket. I did have some of the issues repaired only for new bigger problems continue to pop up the longer the vehicle was driven. I decided to trade the vehicle in at a XXXX XXXX on XX/XX/XXXX and their appraisal found major mechanical and structural damage along with the Title being marked Lemon/Manufacture Buy Back ; all of which I was unaware of at the time of purchase and was not disclosed to me when I asked about the vehicle 's history/accident reports. XXXX XXXX valued the vehicle at {$3500.00} and provided me with a complete vehicle history report stating that the vehicle was a lemon and the original title was marked as a Lemon on XX/XX/XXXX in California by the Motor Vehicle Department, then again on XX/XX/XXXX in Texas marked as Lemon by the Motor Vehicle Department as well as XX/XX/XXXX and XX/XX/XXXX in XXXX Texas. On XX/XX/XXXX in Texas at an Auto Auction it was marked as having structural damage, then again on XX/XX/XXXX at an Auto Auction in Texas was marked as being a known Lemon as well as having structural damage and then I purchased it on XX/XX/XXXX. I spoke with the owner of XXXX XXXX XXXXXXXX as well as Lenmark Financial about the issues and not being told up front about the Lemon Marked Title or the Structural Damage, I simply wanted to return the vehicle and receive a full refund of payments, deposit and downpayment. Neither XXXX XXXX XXXX nor Lenmark Financial was willing to accept responsibility for selling or financing a worthless unsound vehicle for {$19000.00}. I have spoken to several attorneys and I have been told that knowingly selling/financing a vehicle without disclosing the title and or major mechanical issues is considered fraud. I would just like my money back and they can gladly have their {$3500.00} vehicle back.
11/06/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	OH 44306	Web
roughly around XX/XX/XXXX I contracted with Lendmark Financial Services under the impression if I got a Title loan I could work pay it off in a about 5 months give or take, well like every average American things got rough for me in the time being. So in between this time I learned about securities, Bonds, Instruments and Promissory notes, if you know you know. So when I learned about these things about 3 months after I couldn't afford to pay the loan I finally picked up a call from XXXX which is the agent that signed me up and she asked what's been going on and I told her things were rough and I just couldn't pay anymore, I continued to tell her that there were some illegal dealings with the contract I signed and that I was just to handle it the legal way, She questioned " ARE YOU A LAWYER? ' with anger, I said do I have to be a lawyer to know law? she started going off about she bets i will pay the bill, so I just hung up, that was around XX/XX/XXXX. Well for the past week I've been calling asking for a copy of the contract and if I could get the " bill '' so I can pay it off, I was told that they didn't have it by the first lady which was fairly of polite, she then put me on hold, when she came back she informed me that they no longer have it and she would have to contact the company/person to see if she could get that information for me, I said ok and hung up. then something hit me approximately 10 mins later so I called back and this time XXXX I believe that's how you spell her name picks up the phone I said right off the jump if I could get a copy of those documents she said she couldn't give me information because it's been so long since I've contacted them, I was bamboozled, I then I said so you can't give me no information and she said you missed so many payments, I believe I said ok and hung up. A few days ago I call another branch thinking they may have my information, A nice lady answered and I explained my situation and she told me she will call over to see what's going on and she will put me on hold for a few mins which she did, so I waited, when she got back on the phone she said that she have no idea of what's going on and that the lady said that she had information but she don't, the lady said when she called they were very confusing and instructed me to look for an email that I may have used when I signed up. so that's, now today I call a new lady 's voice I've never head before picked up and I said I'm trying to get a copy of my contract and I want to pay my bill, the lady put me on hold when she came back it was XXXX she jumped on the phone and said " you've been calling last week we said that we will look into it and that we don't have information we can give you, I said can you guys send me a 'bill ' I want to pay it off she said let me put you on hold, when she came back she then asked me do you want to pay it now or when can you pay it and asked how much of it can I pay off, I said the whole thing, then she asked when can you pay it and I said as soon as you send me a bill, then said you got ta give me something I can work with here to tell 'them ' so that tells me she was talking to somebody in the office and that they have my info but is being childish about it
07/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91755	Web	Older American
RE : Lendmark Financial Services Effective XX/XX/XXXX my account was transferred from XXXX XXXX to Lendmark Financial Services ( I-1 ). Around XX/XX/XXXX I got notification from XXXX XXXX that negative information had been placed in my credit file. Around XX/XX/XXXX I noticed that Lendmark Financial Services was posting to XXXX two ( 2 ) entries for my account that was transferred from XXXX XXXX. ( I-2 page 2 ). I noticed that one reporting ( I-3 ) entered on XX/XX/XXXX showed that the account was closed with a XXXX balance and included in my Chapter XXXX bankruptcy. The second report ( I-4 ) entered on XX/XX/XXXX showed that the account was open with a {$5000.00} balance and 90-119 day late payment status. This entry caused a 101 point drop in my credit score with XXXX effective XX/XX/XXXX ( I-5, I-6 ). However, the original account ( I-7 ) which was reported as closed in bankruptcy accurately shows that my account never had a 30/60/90 day late reporting ( see page 2 of I-7 ) Around XX/XX/XXXX I filed a dispute with XXXX and requested that the open account reported by Lendmark Financial be deleted because the account was closed and included in my bankruptcy and that Lendmark was doing duplicate credit reporting on the same account. On XX/XX/XXXX Lendmark re-entered the open account into XXXX ( I-8 ) showing the account as open with an outstanding balance of {$5000.00} and 90-119 day late payment status. There is no reference to the account having been included with my bankruptcy in XX/XX/XXXX. A current summary of my Credit file ( I-9 ) reflects that I have Total Open Balances of {$7800.00} of which {$5000.00} is listed as other loans ( Lendmark ). On XX/XX/XXXX at XXXX XXXX I talked with XXXX XXXX of Lendmark Financial Credit Dispute Department ( XXXX ) or ( XXXX ) XXXX ) who stated to me it is the policy of Lendmark Financial to close the original account of a borrower when the account goes to their bankruptcy department and open a new account with a new loan number for the purpose of continuing to report the loan as open with the credit bureaus during the entire time of the bankruptcy. For this reason I have two accounts reflected with XXXX at this time. She acknowledged that I have no legal obligations for the loan nor do I need to make payments, but this is Lendmarks procedure for handling the accounts of customers who file bankruptcy. I researched on XXXX encyclopedia and learned : ( Copied from their webpage ) In fact, creditors wont be able to report your debt in a variety of ways that could cause your credit to suffer, such as allowing the obligation to show as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted to a new type of debt ( re-aged or given new account numbers, for example ). Thus the reason for my complaint against Lendmark. My credit file reflects that the account is being shown in XXXX as : currently owed ( See I-9 page 1 ) or active late or delinquent or outstanding ( See I-9 page 2 ) having a balance due ( See I-9 page 1 ), or converted to a new type of debt ( re-aged or given new account numbers, for example ). ( Per my discussion with XXXX XXXX & I-9 page 1 )
11/01/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	OH 44128	Web
I myself only speaks for myself and act on behalf of my only. It is a fact that I am the consumer in fact as defined by law, It is a fact that my consumer rights have been violated so be it. On XX/XX/2021 I initiated in the purchase of a vehicle with XXXX XXXX XXXX and shown intrest in a vehicle and I asked how there process work for me to purchase on credit and immediately they began talkin about submitting a credit application and stating that the credit application is a loan application. The false and misleading representations started here. It is to my knowledge that there are no statue of limitations on fraud. I was told to put cash down as a deposit and downpayment to prevent them from giving another party interest in the vehicle. On XX/XX/2021, i returned to purchase the vehicle on credit but was told to do a credit application with there financial institution which is ( lendmark financial ). I entered into the consumer credit transaction with lendmark and they began immediately giving me false and misleading forms and using deceptive tactics to coerce payments from me that I believe is against the law under the FAIR DEBT COLLECTION PRACTICE ACT. I have the original bill of sale from XXXX XXXX XXXX that shows the vehicle is paid off and I owe nothing on the vehicle as well as a receipt showing they took XXXX $ cash from me which is a believe against the law under the truth in lending act. The bill of sale also states that there will be no liens on the vehicle but named lendmark as the lien holder on the vehicle. After which Lendmark coerce me into signing misleading and deceptive forms, one of them specifically states that they will be giving me proceeds of a loan that i will pick up from them which left me more confused and felt as if im being taken advantage of. I was applying to purchase a vehicle on credit and they forced a loan on me and the proceeds of that fraudelent loan was a {$15.00} check that I can and will upload. It is a fact that I do not consent to this fraudulent loan nor do I intend or paying it. Lendmark then proceeds to place an illegal lien on my vehicle attemptig to coerce payments to be made and used a lot of obscene and profane language on documents and sending me post cards stating that I owe a debt of over {$12000.00} which is false. This extention of credit was made pursuant to 16 cfr 433.1. It has been going on 6 months and I have not recieved my title to my property nor have I recieved the purchase money loan that was supposed to be issued to me the consumer pursuant to 16 cfr 433.1 ( D ). that I demand now. This company is engaging in racketeering, prohibited activities, and unfair and deceptive practices pursuant to 16 cfr 433.2, 18 usc 1341, 18 usc 1343, and 18 usc 1344. This company is also engaging in securities fraud pursuant to 18 usc 3301 improperly handling my chattel paper/ negotiable instruments. Please be advised I do intend to pursuing federal lawsuits to the fullest extent on this company as well as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, associate general counsel.
03/07/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 31558	Web	Servicemember
Me and my husband purchased a XXXX XXXX XXXX on XX/XX/XXXX, through a private sale in XXXX XXXX, FL. The vehicle had a missing title, but seemed to be clean otherwise when we looked up the VIN number. Unbeknownst to us, when we went to get the title bond so that we could register the vehicle in GA ; there was a exsisting lien on the car that wasn't disclosed to us. We got into contact with a notary named XXXX who works for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, GA ( XXXX ). She helped us find out that the lien on the car was paid off in the early XXXX, but never filed with the DMV to have it removed. ( XXXX with XXXX has the exact dates ) XXXX from XXXX got into contact with the company holding the lien : Lendmark Financial Services XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Tn XXXX. She sent a notarized document requesting the lien release for the vehicle in XXXX, and was told by the Manager of the establishment, XXXX, that she would fax the lien release to XXXX. Well, as you may already know, we need the physical copy of the lien release to be able to receive the title bond for the vehicle, which XXXX informed Lendmark of. The manager of Lendmark continued to try and fax the document to XXXX, then finally, after being contacted numerous times by XXXX, said that they will send it in mail, notarized. At this point, about a month has already passed ( XXXX ) since contacting Lendmark and speaking with the manager to get this issues resolved. XXXX never received the documents in the mail that Lendmark supposedly sent out. XXXX at XXXX contacted Lendmark once again, after a few weeks, only for them to say that they would resend the Lien release. XXXX at XXXX said she would contact us if she received the documentation from Lendmark. Which, once again, she never received. We hadn't heard back from XXXX in about 3 months, so we called and asked for an update, which was that there was still nothing received from Lendmark My husband and I then contacted Lendmark personally, and spoke with XXXX the manager. She told us that she would send it again in a very annoyed voice, and we asked that it be sent to our home address, instead of XXXX. She said she would send it once again and hung up. Unsurprisingly, the document was once again never received. We waited 3 weeks for the supposed document to arrive, before contacting Lendmark again. This time however, we were told by the Manager XXXX that the lien release probably got lost and told us they were refused to get it notarized and sent again because it was expensive to do so. This was our last contact with Lendmark, around XXXX of XXXX. I was recommended to file this report as they should have filed the lien release throught the proper avenues when it was originally paid off, and have now given us trouble with trying to get it released. We believe that the documents were never actually sent. But of course we have no way to prove this outside of not receiving the documents 3 separate times to 2 separate locations ; after they informed us that it had been.
09/09/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	PA 19002	Web
I purchased a XXXX XXXX XXXX in XX/XX/XXXX and it was the first vehicle I received a loan for having purchased my previous cars in cash in full. At the time, my credit score was about a 670 and I was told by the dealership ( XXXX XXXX ) that I was being denied by lenders due to me not having a car loan on my credit report already and that despite my credit score not being bad, they denied me. It became a situation where as a single mother I felt hopeless and needed to purchase a vehicle to get back to work. I asked the dealer what options I have. He started out saying maybe instead of putting {$2000.00} down, the lenders would work with me if I put more down. After offering to put {$5000.00} down, the salesman said the lenders still denied me and he would reach out to one last financial institution ( which all of this could've been a scam between the two companies ). When speaking of purchasing the car, the salesman figured that my monthly payments would be around {$150.00} a month since I was only getting about a {$7300.00} loan, offering a sizeable down payment. He told me he would call me when the lender ( Lendmark Financial ) got back to him ( which may have been to discuss how to XXXX me even more and take advantage ). I received a call about an hour later saying there was good news and they would give me the loan. The following day, I went to Lendmark Financial to receive the loan and go back to XXXX to close the deal. Lendmark not only pushed a 60 month payment structure onto me, knowing I wanted 72, but they added on additional products, such as roadside assistance that they made to seem were a requirement and I'm pretty sure they are not and I already have coverage through my insurance carrier. By the time I was done, my payments were figured to be {$310.00} ( more than double of what I expected ) for 60 months, with an interest rate through the roof. For a {$7300.00} loan, Lendmark will receive {$18000.00} from me over 5 years, which is insane and outrageous. I tried to resolve the issue right there in person, but they made it seem as though if I did not sign the paperwork and listen to them, I would not receive my loan that I needed to get to work after my prior car was totaled. No one believes me when I tell them how high my payments are for such a small loan. My credit was not even poor at the time, they just told me my interest rate would be so high because I never had a car loan before which sounds like a load of lies to me. I made a desperate purchase being a single mother that has a long term negative impact on my entire life and would not recommend other people use their services. It seems predatory and should be illegal if it is not. I can send copies of any of the paperwork, if need be. I will voice my opinions about them on social media and other forms of outlets in order to help consumers in the area learn of the dangers of working with them and avoid being taken advantage of. Thank you.
05/31/2020	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	NC 27587	Web
I obtained a loan ( Loan # XXXX ) from Lendmark Financial Services using my XXXX XXXX XXXX XXXX vehicle as collateral on XX/XX/XXXX. A few years later, I was made aware by Lendmark that they have a Buy-Back program where I could purchase my vehicle title back from them ; all I had to do was make an offer by sending an email to : XXXX. Per their request I took the time to submit pictures, odometer readings, and buy-back offers. Once I submitted my first offer, I never heard back from Lendmark, so I decided to follow-up. When I called them, they told me that they don't respond to offers ( which is odd because they don't provide clear instructions on how the Buy-Back program works ) ; they said that I had to call them to find out if it was approved/declined. My first offer was denied. A few months later I submitted another offer. I called 1 week after submitting the offer and was told that it was denied once again. I then waited a few months to save more money to place an offer, I called one week later and was told that it was denied for the third time. Please note that Lendmark doesn't counteroffer, so I am left in the dark as to what they are willing to accept. Once I send the email, I have to wait a few days, call them, and get pushback - it's a game. They don't provide an amount that they are willing to negotiate. A couple of years ago I went through some medical issues and fell behind on my payments, but I am caught up and pay them every month. They don't send monthly statements, nor do they have a website where I can review my monthly balances. They leave you in the dark about your loan balance, payment confirmations, and the status of your Buy-Back loan offer. It's a very backwards system that doesn't benefit the customer. They take your payment, yet have no interest in communicating with their customers. Whenever I have been able to reach someone on the phone, they've advised me to continue making Buy-Back offers, but the person who decides whether they'll accept it or not, always rejects it and doesn't communicate with me on a Buy-Back amount that they will accept. I believe that their business practices are questionable and need to improve. Their customers should be their # 1 priority and should receive the courtesy of communication, whether it be via phone or email. Not letting the customer know what they are willing or not willing to accept as a Buy-Back offer, doesn't help me. Asking the customer to submit a Buy-Back offer via email, but not responding to the email, doesn't help me either. I've complied with their requirements, sent them pictures of the vehicle, odometer readings, and my buy-back offers, yet they continue to decline my offers. I would like to know what it will take for them to accept my offers. My original loan amount was {$6300.00}, and I have paid them over {$7200.00} between interest and principal. Why offer a Buy-Back program that they don't intend to honor? It makes no sense.
06/21/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC 29906	Web
On XX/XX/XXXX I took out a loan from XXXX XXXX XXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX ( XXXX ) XXXXfor a very close friend ( XXXX XXXX ) at the time who asked me to help him by getting a loan to help him because his credit was not good enough to take out a loan in his name and that he would pay the loan payments on time and if I could do this for him it would releive some of his financial stress for the thing 's that required prompt attention. I was not able to loan XXXXXXXX XXXX the money because financial I just didn't have it drowning in my own finances. I finally said yes because of my compassion to help other in their time of need in any way that I could and put my trust and faith in XXXXXXXX XXXX to keep his word on our verbal agreement/contract to never be 30 days and don't have lendmark call my job and he verbally agreed and promised to do as I asked which was discussed while at the Lendmark location with the loan officer. The Branch Manager XXXX and loan officer XXXX were aware that this loan was solely for XXXX XXXX but needed my my credit to obtain the loan. I have received numerous phone calls, voicemails, and correspondence by mail in reference to late payment. The branch has been kind and helping with a solution to this problem by deferring payments and waving late fees due to XXXXXXXX XXXX being in breach of our verbal contract. It was stated to XXXXXXXX XXXX that I could afford him not making the payments on the loan, because I could not financially afford it. I travel for work up until I start my XXXX XXXX for XXXX XXXX and will no longer be able to work full-time. While between travel assignments I don't get paid and to gain the extra financial strain of this loan payment is overwhelming and unaffordable for me with everything else I'm already burdened with financially is causing me physical and mental distress. XXXXXXXX XXXX has been paying the loan since XXXX up until XXXX XXXX and just stop responding to Lendmark 's phone calls and my phone calls and text and just think that it's ok to just not pay his loan in my name because he used the money not me it was for his expenses not mine and I'm hurt and disgusted because I'm doing my best to maintain my credit so that one day I can be a first time homeowner like many others, but don't feel that the good deed I did that I should bear the burden, because they breached and violated the verbal agreement/contract to pay this loan. I would really love to have resolution from this issue and I'm begging for this loan to be forgiven because I just can't afford it and it's ruining my life with the constant phone calls and crying because I need my credit and digging myself deeper in debt by neglecting my financial responsibilities to address this loan that only belongs to me by name. I really need some help and resolution. I thank you for your time and patience and pray that things will work out for XXXX 's glory.
01/25/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	DC 20011	Web	Servicemember
On XX/XX/2019, I received a call on my cell phone from XXXX identified only as originating from " North Carolina ''. I greeted the caller, and a woman who identified herself as " XXXX '' explained that she was calling from Lendmark Financial Services because I was listed as a " reference '' for my cousin, XXXX. I told her I was happy to serve as a reference but I was in transit to work and perhaps she should call later. I said this in an effort to cut off the call because I had not spoke with my cousin XXXX in years. I thought to give myself an opportunity to reach out and check into the validity of the request. XXXX then says she has been having trouble reaching my cousin and perhaps I could tell XXXX to call her. The request seemed odd to me so I asked XXXX to call me back so she could leave a voice mail message with her contact information, that I would not answer, and that she could leave a detailed message so I could then forward it to my cousin. The voice mail message is attached. Using the number provided in XXXX 's voice mail message, I called and asked XXXX to give me her full name. She said " XXXX XXXX. '' I then asked if she was calling in regards to providing a " job reference. '' XXXX denied that it was a job reference and said instead that is in regards to my cousin 's account with Lendmark Financial. I asked her if she was using a ploy to contact my cousin about debt. She repeated the term " account ''. I asked to be transferred to her supervisor, who she identified as XXXX XXXX. I spoke with XXXX XXXX and he provided only the same information as XXXX - that I was listed as a " reference '' on an account. I learned later the same day that XXXX left a message to the same effect with my brother. That voice mail message is attached. The next day, XX/XX/2019, I had an opportunity to communicate with my cousin. She said that she never provided Lendmark Financial with my name or my brother 's name, much less our personal cell phone numbers. I called Mr. XXXX for points of clarification the same day, XX/XX/2019. He said that my cousin provided my name not as a reference but as a contact person to call should XXXX XXXX have difficulty reaching my cousin. When I asked for a copy of the document providing my contact information as provided by my cousin, he said he could no longer speak with me and that I should contact his " home office. '' Mr. XXXX did not seem confident when telling me exactly who in his home office I should contact. I asked if I could speak with XXXX XXXX, the person who initially called me to ask where or how she received my personal cell phone number. Mr. XXXX replied that I should contact the home office.
08/21/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30215	Web	Servicemember
On XX/XX/2018, I purchased a car for my daughter who had recently XXXX from XXXX XXXX with the intention of selling it to her within a couple of months after she was able to get her finances in order. I discussed this scenario with the loan officer as we were going through the closing documents which included the option to purchase GAP insurance which I had initially agreed to as we were going through all the closing documents. As I continued to go through the stack of documents, the loan officer, my daughter and I chatted about me selling my car to my daughter within the next XXXX months. The loan XXXX then advised me that the GAP insurance would not be transferable to my daughter XXXX months later when I would sell the car to her. Upon hearing this news, I advised the loan officer that I no longer wanted GAP insurance. She went to speak to a supervisor to see how to handle the change since the paperwork had been processed that included GAP insurance. She came back and advised me that since the manager had to leave early that day, and had already approved the transaction, she would send me a refund for the GAP insurance. I had no reason to doubt that they would keep their word but wanted to make sure that it was notated in the closing documents. I drafted a statement advising that I no longer wanted GAP insurance and that document was included in the closing documents. I waited patiently for the refund for a couple of weeks and did not receive it. I phoned the office and was advised that the manager would get back to me with the refund. I never received the refund. I continued to call the office and was later advised that those funds would be applied to the balance. I was fine with that since I would be selling the car to my daughter within the month. Upon receiving the final payoff, I noticed that there had not been an adjustment for the GAP insurance. I began calling the office again. Once again the manager was out but the supervisor remembered my conversation with the loan officer and the fact that we had made the notation during closing. He said the manager would handle it. After a few weeks, I had the opportunity to speak with the manager and she advised me that even though I changed my mind during closing that GAP insurance was not refundable. When I inquired as to why the loan officer stated that I would get a refund, she simply said she didn't know why she would tell me that. I reminded the manager that my signed document declining GAP insurance was included in the closing documents. She said she was aware of that ; however, I couldn't change my mind even at closing.
10/18/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TN 37128	Web
To Whomever it may concern ; This Complaint is about the consumer credit transaction iniated on XX/XX/2020 with your financial instituition executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above -mentioned Consumer Credit Transaction without giving me the opportunity to opt-out, your institution, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) According to 15 USC 6809 ( 4 ) ( a ) The term nonpublic personal information means personally identifiable financial information 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 Otherwise obtained by a financial institution Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your company admits that the company named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). PuUnder5 USC 1681a ( d ) ( 2 ) ( a ) ( ii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if a company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my consumer report 01. Remove all late payments If you accept my complaint I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94541	Web
I opened a loan with this company XX/XX/XXXX. I fell on hard times and entered into a credit counseling program in XXXX or XXXX of that year. The terms of my loan were to lower the payments to $ XXXX and the interest rate was supposed to be lowered from 35.23 % to 21.92 %. I noticed my balance wasn't going down over time so I called to inquire why. The rep told me because the loan was so new that I'd have to make more payments and wait until XXXX before it would be recalculated and any payments applied. I felt that didn't sound right but at the time was going through a divorce and health issues so I didn't look into it further. Fast forward to XX/XX/XXXX I pulled my credit report and noticed the balance on the loan balance has been increasing each month since XX/XX/XXXX rather than going down. I logged into the online portal and saw my interest rate was still 35.23 %, and monthly finance charges were {$200.00} which was the same amount of the monthly payments. I reached out to the debt management company and they contacted Lendmark and were informed my account was under review as the error was just realized in XXXX of this year. As of XXXX a credit of {$4800.00} was credited to my account, the interest rate lowered to 21.92 % and the current balance {$2200.00}. I called and asked ify account had been adjusted back to XXXX and I was told yes. I requested a detailed audit/breakdown of payments/credits and that my credit profile be updated according. The rep said there wasn't a breakdown, the account was credited accordingly and that I need to submit the dispute in writing. Informed rep if adjustments have been made I'm entitled to proof so that I can be sure they are accurate. Rep stated she could send me a copy of what she has. I received the copy and it shows nothing in detail, just the amount of the credits. I called the 800 # and the rep wasn't helpful, kept trying to refer me to debt management company and told me they'd have a detailed record of what transpired. I explained the situation, the rep then pulled up my account and realized what I was saying. She put me on hold to call the branch. I was told the branch manager was busy and I'd get a callback. I did about an hour later but was unable to answer due to work. Bottom line is my account was not handled properly. The failure to apply the correct interest rate in XXXX has negatively affected my credit. I should be able to see a breakdown of the payments applied, credits given and monthly balance since XX/XX/XXXX. Also, since it's Lendmarks error they should update my credit report accordingly.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21206	Web
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of an authenticated original contract with my signature, specifically Lendmark Financial as the company entitled to enforce this reporting to my credit. Company : Lemdmark Financial Account Number : XXXX Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX. I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.
08/23/2022	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	VA 232XX	Web
XXXX and have XXXX XXXX XXXX and was forced to stay 2 hours away from home at the Lendmark office to sign the original merger of loans. I did not agree with it and attempted to leave and was followed and harassed and intimidated into coming back into the office after smoking a cigarette ( the loan officer never left me alone while I was outside ) and than upon being forced back inside I was bribed with " lendmark shwag '' ie, cups, pens, referral bonus cards, etc. by XXXX XXXX whom than continued to harass me about my identity and make remarks about me being XXXX. After leaving I had to seek additional XXXX and had an XXXX XXXX XXXX XXXX XXXX and I have lost all confidence in Lendmark being an honest lender. The other issue with the $ XXXX {$1100.00} cash funds were supposed to go towards a down payment on a new/new to me vehicle while trading the XXXX that was merged into the loan, however I was misled and once i recieved the funds I was repeatedly denied credit to get to the goal of the merging of loans. I refinanced again after the incident, because XXXX had informed me that a resolution would happen, but than a month went by and I made the first payment or two and refinanced to buy time for Lendmark and myself to comeup with whatever resolution XXXX was referring to. And to this day now I still have no resolution, I am denied credit everywhere ( due to this loan I was forced into signing and refinancing to buy time ). Also, as per the value of the vehicle, the vehicle was CLEARLY understood that it was in " ROUGH '' condition, however Lendmark failed to capture photos during the original loan merger and they only took a photo from more than 3 feet away ( which in auto industry is known as a method to hide dents/scratches/paint fade, etc. ), they also failed to look at the interior of the vehicle and never asked about mechanical ( there reason for not checking mechanical I was told by the loan officer was " as long as it drive to the office to be visibly sighted, it can be financed ''. While the actual XXXX XXXX XXXX value is {$1900.00} as of today XX/XX/XXXX and {$2900.00} at the time of the 1st refinance, and somewhere in between during the 2nd refinance that was done " to buy time to find a resolution '' So far the only offer from the Lendmark office is to pay {$2700.00} via the 10-day payoff letter the emailed and mailed on or around XX/XX/XXXX. This loan causes nothing but harm to myself and the issues meet many UDAAP violations on top of Virginia laws and statutes.
04/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 207XX	Web
I took out a personal loan with Lendmark Financial in XXXX for {$2000.00}. I made multiple payments of {$130.00} for a few months until I lost my job due to the company closing. When I signed my loan papers, I was told that if I lost my job, the loan was insured and would be paid off in case of job loss or death. I notified Lendmark of such and heard nothing there after. In XX/XX/XXXX, I filed XXXX XXXX bankruptcy. Lendmark Financial was included in my bankruptcy because they were still being reported on my credit report at the time. During my bankruptcy, XXXX XXXX XXXX continued to pursue action against me in the District Court XXXX XXXX XXXX XXXX, Maryland, around the same date and time as my first " meeting of the creditors '' in bankruptcy court. Even though they were well notified of my bankruptcy filing, this debt collector still pursued action against me in the District Court in XXXX of XXXX. They never showed to any meeting of the creditors nor made any filings in contestation of my bankruptcy. My bankruptcy was dismissed on XX/XX/XXXX of this year. About a week later XXXXXXXX XXXX XXXXXXXX filed a motion to lift stay in the district court. After receiving the one page document of the motion to lift stay, I contacted XXXX XXXX XXXX about the debt. I was emailed a letter stating that the amount owed is {$3800.00} with a breakdown of how the debt was calculated. Which did not adequately identify the amounts of the alleged debt owed or the accrued interest which is in violation of the Fair Debt Collections Practices Act. At the time of my bankruptcy, there was a class action lawsuit for the exact same actions by XXXX XXXX XXXX of unfair debt collection practices ( Case No. 1:12-cv-00163-CCB ). XXXX XXXX XXXX has a history of violating the Fair Debt Collection Practices Act. Which they are still violating today. As of XX/XX/XXXX, XXXX XXXX XXXX filed a motion for renewal in the district court on a debt that is past the statute of limitations. When they filed this action, they NEVER sent me any notice or copy of the motion they filed giving me a chance to respond or contest as a pro se litigant or to retain adequate counsel to represent me in this action. Further violating my rights as a US citizen and resident of the state of Maryland in XXXX XXXX XXXX and the fair debt collection practices act. As well as causing undue hardship, harm and damage to my credit unfairly on a debt that is past the statute of limitations.
11/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MD 20910	Web
XXXX XXXX. I contacted the company and requested a pay off balance and was told I would receive it in the mail. XXXX XXXX contacted the company and was asked to call their attorney to give me a pay off balance. Last year, I had XXXX XXXX. Before this XXXX I went to their office to sign paperwork deferring my payments since I also had insurance with my loan, which was supposed to make the payment. I was assured the insurance was making payments. When I called the company to ask when my insurance would run out, I was told since I had unemployment insurance and I was unemployed almost a year prior and the insurance company did not send the payment I was told that that payment would cover me for 4 more months. This did not happen. I received a notice from their attorney a few months later during me for non payment. I went to court and the attorney apologized and stated it was the fault of the company and not mine and she dismissed the case and an agreement was signed stating I did not owe any attorney fees and if at any time I did not make payment on my account when due, 15 days after the due date I would have to pay attorney fees. This has never happened because I always made payments on time. After the agreement was signed I contacted the insurance company to find out why they never paid landmark when I was unemployed. They claimed lendmark never forwarded them documents they requested. Documents I had given to lendmark were never given to the insurance company. I was asked to resend those documents and when I did, the insurance company paid within days of receiving them. However, I have asked several times for a pay off balance and have been told to speak with their attorneys because I may owe attorney fees. I stated I had the agreement and I also believe they should have a copy of the same agreement because the attorney assured me she was sending them a copy the same day. Several times they acknowledged the receipt of this agreement but once I asked for my payoff balance no one wanted to give it to me. My last attempt was on XXXX where I had to ask for a manager and I told him I had no business with the attorney so I would not be calling and since my loan was with their company it was in their best interest to provide me the information I wanted on my account. He refused and told me he would contact the attorney and get back to me. Landmark is in breach of the contract I signed with their company and the attorney.
02/24/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 301XX	Web
Currently my husband and I have a car loan with Lendmark Financial Services. On Tuesday night, XX/XX/XXXX, Lendmark repossessed our vehicle. The payment for the loan was 45 days past due. When we called to make arrangements to get our car out of repo, the lending company proceeded to breakdown the fees we would need to pay to get the car back. Among the fees was our XX/XX/XXXX and XX/XX/XXXX payment ( understood ), a {$620.00} repo fee ( only {$300.00} of which goes to the repo company ) AND a demand that we make our XX/XX/XXXX payment ( obviously not even due yet ) before we could get the car. In researching their tactics, I 've found multiple people who are having similar issues with the same lending company ( same location actually - XXXX, GA ). We also found out ( from our repo company who are more honest and XXXX than anyone we 've dealt with to date at Lendmark ) that the terms of contract have been changed by Lendmark to 25 days past due considered default. Our loan was initiated in XX/XX/XXXX and we have never received an amended terms of contract from Lendmark with this information. Each individual I have spoken to in my research have had multiple repossessions, some not even 30 days delinquent and often with payment arrangements made. After speaking with Lendmark Wednesday morning to make arrangements for payment today, XXXX ( their crooked branch manager ) went ahead and sent a send to to sale notice to the repo man. Only because the repo company is run by decent human beings, they called to question the notice since they knew we were coming to get the car today and refused to process the send to sale command or our car would have gone to the sale. There is no limit to what these people at Lendmark will do to fleece hard working families in the XXXX Georgia area. They know what they are doing is wrong and will respond with " if you ca n't make your payment how are you going to hire an attorney to fight this '' this comment was actually made to us today when I brought up many of the points above. Lendmark did not send us a letter of intent or any warning before repossessing the car. These unscrupulous practices are costing families XXXX in fees they should not be forced to pay.
08/19/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	WV 26554	Web
XXXX. Ex husband in XXXX or XXXX got car loan. I was to be co signer not co borrower. Vehicle had issues from minute one. Lendmark financial held the loan. 2. Ex and I went to magistrate because bank sued. I wanted them to take vehicle because of issues and they wouldn't. Magistrate didn't even care. Slapped the XXXX onto the slate. Lendmark wasn't even there. No one represented the company. Illegal action one. XXXX. I left ex in XX/XX/XXXX. He took that car and my car and left with a friend one day. I never saw cars. XXXX. In XXXX we were finally divorced. He never showed for divorce hearings or anything. XXXX. I get this on my credit report. I call. They demand payment. Lendmark won't send bills or tell me amount. They won't give me receipts. They won't intentionally stop calling me XXXX XXXX as my last name because I demand it. It is no longer my name. I asked why they didn't go after ex XXXX XXXX and they said he called XXXX and said divorce Judge I was responsible. He never even came to a hearing or responded. There is no legal action but they took him at his word. Told me if I Have issue with it that it is civil. I gave them his address and contact info. Lendmark said nothing they can do with him. 6. I disputed this on all 3 credit bureaus. Lendmark has it as an open auto loan that has been charged off with way more than what was left on loan. They don't know who I am to pay. They keep saying legal department will tell me at Lendmark. They won't even send me a bill. They said they don't know if I pay judge or them. They want their money. They won't contact ex. They won't change the status to closed on credit report and it just updated XXXX to say that is a new auto loan. They also told me that I have to call different numbers always. I call one and pay then they say here call this one. When I did pay XXXX the XXXX and XXXX the XXXX they said that they weren't sure but they may have to refund it. 6. Banker today laughed when I said I work for the government and need this cleared up. He said I was nothing. I swear the insults are bad as their illegal banking. 7. Proof of payment that they claim they may have to refund because it is charged off and they are taking it illegally
02/15/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MD 21157	Web
I took out a {$5000.00} dollar loan in XX/XX/XXXX from Lendmark Financial. I took the money out to start my now very successful business. I made the payments on time every month until XX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from XXXX XXXX XXXX collection agency. The XXXX XXXX XXXX XXXX XXXX company told me not to respond to it. I had an over 700 credit score at the time. Then XXXX XXXX XXXX called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with Lendmark. I made this payment at the XXXX MD branch off XXXX XXXX. I called XXXX XXXX XXXX and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. I made payments on time every single month for years. I then requested XXXX XXXX XXXX to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to XXXX XXXX XXXX and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,
02/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44128	Web
I have sent multiple remittance payments to this company and they have dishonored all of them, also they are not in compliance with 12 cfr 1005.30. Further more in the security agreement they have not informed me as to what is the security given. So I ask now what is the security interest that I the consumer have given in this transaction? Is the contract not between the seller and the creditor as defined in 16 cfr 433.1 ( f )? I as the consumer only have an consumer credit contract as defined in 16 cfr 433.1 ( i ) that evidences a debt from a purchase money loan. Nothing in this security agreement makes me liable for any payment or be subject to the injuries i have received from the parties non compliance. Due the the non compliance of the Seller ( XXXX XXXX XXXX ) taking a {$1000.00} downpayment from me and the creditor ( LENDMARK FINANCIAL SERVICES ) unlawfully taking my property forcing me to make payments on a security agreement that I endorsed as the contract between the seller and creditor. I am the injured party and I am receiving financial injury from all both parties by way of false and deceptive forms and false and misleading representations. The seller and creditor both are not in compliance of the truth in lending act and regulation z. Seller was instructed by the creditor to place a fictitious lien on my property title that I the consumer was using for personal family and household purposes where there was no lawful grounds of doing so and this was done by way of forgery ( 25 cfr 11.416 ). I have not signed a power of attorney to either party that grants either party to take these unlawful acts against me. Furthermore I was not given full disclosure as required by 12 cfr 1026 from either party nor was I given required right of recession forms as required in the truth in lending act ( 15 usc 1635 ). Attached is the multiple remittance that where dishonored. Please be advised that due to fraud and lack of full disclosure i am now exercising my right of recession. Upon notice of this correspondence consider notice of rescission given and please return to me all things required and see that the security interest is terminated.
07/24/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 23607	Web
Lendmark Financial Services has repeatedly harassed my family and I. They have violated my rights under the FDCPA rules. The following violations have occurred since I requested validation of this debt : The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) o Numerous calls have been placed to my phone ( XXXX ) as well as members of my family. Repeatedly call a third party to get your location information. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) o A representative went to my mother 's home in a threatening manner and interrogated her about my whereabouts. I have never been out of touch with the office, therefore there was no reason to send a representative to my home. ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX. A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) o I have repeatedly spoke to representatives that simply ignore my request for validation and continuously ask when I am going to make a payment, request me to enter the office repeatedly, and send letters demanding payment. After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) o I have received numerous calls and written communication during the 30 day time frame, but no validation. Collectors ca n't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) o By repeatedly calling and requesting that I return to the office and showing up at my home, Lendmark has left me feeling threatened and stalked. Furthermore, they referred my account to an attorney and filed a Warrant in Debt while failing to provide validation. XXXX Warrants in Debt came to my home in the same 30 day timeframe with different dates, in an attempt to further discredit my name.
01/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 93560	Web	Servicemember
On Saturday XX/XX/XXXX I applied for a car loan via telephone from the dealership through lendmark financial. The loan agent at lendmark told myself and the dealer that I was preapproved for a loan at 24 %. I took possession of the vehicle, completed the necessary dealership paperwork and made arrangements to go to landmarks office on Monday XX/XX/XXXX. When I arrived at lendmark, they informed me that the loan was now a signature loan and was 32.499 % and there was nothing I could do since I had already taken possession of the vehicle. So I executed the loan paperwork. I have made all payments on time and well in excess of minimum due. On Tuesday XX/XX/XXXX, I received a call from lendmark telling me that since I had been making my payments and was ahead, I qualified to refinance my loan. They asked me if I would like a " cash out '' or lower payment. I responded that I would like a lower rate and I would not accept a " cash out '' or any loan modification that would extend the date of payoff for the existing loan. ( I have 29 payments remaining ) They asked for permission to run my credit and I consented. They said they would call me back. When they called me back, they told me they had gotten me a lower rate and asked me to come in to their office this evening to execute the papers. When I arrived, they made copies of my pay stub, drivers license, insurance card and took pictures of the vehicle then presented me with an offer at the same rate, included multiple insurance plans built in, a {$2800.00} cash out and a payment plan for 48 months and launched into a sales pitch. I interrupted the loan consultant and told him what the discrepancy was between the phone conversations and the offer. He excused himself from the room to " rework the offer ''. When he returned, he presented an offer that was .01 % lower, reduced the monthly minimum by {$17.00}, but added an additional payment to a term of 30 months. I explained the issues and walked out of their office. Lendmark has engaged in bait and switch tactics as well as fraudulent offers/claims. I can provide names of the dealership salesman as well as the lendmark employees if necessary
06/05/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27616	Web
I 've had a vhicule loan for about XXXXyrs.or more & was keeping it up financially untill I was injured about XXXX diffrent times, & would refinance the loan to stay in good stanging untill this last time I was in very good standing, & XXXX of the loan officer kelp requesting me to refinance just to have time off from making a paymt.for XXXX months. & XXXX. So I did, & sign all the paper work that he ask me to sign, & XXXX dayslater he call me & told me that I needed to come & sign over the title because he forgot to give it to XXXX signed, but I just did not have time to go back to their office at that time, & he would call me about XXXX more times requesting for me to come & right as I thought about taking time to go there, he called again & I spoke to XXXX their reprsentative to let her know what was happening & that their reprsentative is acting like I did something wrong, but he is the one who forgot to give me the papers to sign, so he should come to me, or send the paper for me to sign..the next month comes for me to make paymt. & another reprsentative asking for paymt., but I had up to XXXX days to make it ... so I call their big office & wanted to make a paymt Through them as i had done before but they referred me to a online paymt., so that is what i did. XXXX of the female reprsentative mentioned that they have a XXXX lien & another company has a second lien & that is the reason that i am understanding why they are harrassing me to sign title paper. Making it clear that they do not want the second lien holder to have an oppotunitive to get a XXXX. lein on the title.. I told them that I am going to make this complaint because they would not allow me to make my payment on time to XXXX of their reprsentative who had call me that morning & stated that he would be there untill closing if I wanted to pay & when I called he would not come to the phone. I fact no one came which would make my payment late & then they tried to get me to refinance the loan that I just recently refinanced & I was caught up on my payments ... Mostly everything I have mention was / is recorded on my android ....
07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44663	Web
I kept seeing late payments being reported by lendmark financial but you couldn't see the late payments they were reporting the past old derogatory remarks section I finally found them last week and from XX/XX/XXXX to XX/XX/XXXX they reported 40 late payments and we disputed it 2x already they refused to fix them then last week we disputed it for the 3rs time and then instead of fixing it they report 20 more weeks of late payments the account has been closed for over 1 1/2 years it's a local office worker names XXXX XXXX he is purposely reporting the late payments knowing I'm in business and this has crossed the line esp now the reports need to be removed after this little stunt I just lost my SBA loan over this action my credit just dropped nearly 100 pints and I want something done or I will take a personal approach and make a physical interaction over this issue it's an attack on my personal well being and it's a cowardly attack on me and my life and now it just turned beyond personal and today something is being done about this this doesn't just effect me it's effect my community especially knowing I am working on developing a rural community growth and development company and this just drove it in the ground and at this point I only see one option and it's an attack on this local office me and them and I have to follow through with this it's been happening long enough this was discussed last week it was supposed to be fixed and they were still reporting it as an open account I am done like I said I have nothing to lose at this point and this is why there are shoot outs in rural America/ the Urban jungles. XXXX piece of XXXX like this guy personally attacking hood honest people because he was caught working with a local dealership giving out predatory loans and taking side money and this is his retaliation back XXXX no not anymore he will pay the price on lead weight that he adds on you can rest assure that. I want legal actions brought against this company and I want this man XXXX in the stress no doubt. He won't make it this far.
01/06/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MD 20774	Web
Lendmark Financial Services has filed a suit against me and I have received a WRIT of Summons to appear in court on XX/XX/2023 XX/XX/2023. I have attempted to settle this matter personally with no luck. This company has violated a number of my Consumer Rights. Without the signatures of all parties involved and without proper disclosures of my XXXX XXXX XXXX in accordance with the Federal Truth in Lending Act the legally binding contract is null and void. Lendmark has also hired a XXXX XXXX XXXX XXXX XXXX, XXXX to assist in the collection efforts of this alleged debt. This law firm has contacted me via mail and phone calls attempting to collect on this alleged debt with out my consent which is a violation of my rights to privacy. I did not consent to a third party having my information. The FDCPA is clear about the lawful actions that can be taken by a debt collector and this company has blatantly disregarded those regulations. With XXXX different companies contacting me about the same alleged debt I am confused about who is the debt collector and who is the original creditor. Lendmark has also reported false negative information to the Credit Reporting agencies. Defaming my Character and Ruining my reputation. 15 USC 1692e False and Misleading Representation states ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 15 USC 1692i Legal Actions by debt collectors states Authorization of actions ( b ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 15 USC 1692j Furnishing Certain Deceptive Forms states ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
03/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 23320	Web
My monthly payment was coming due on XX/XX/22, and I called Lendmark Financial several days before the due date ( around XX/XX/22 ) to let them know I was out of work because of a family XXXX emergency, and I was requesting help. I knew I would not have income to make a payment. The agent said she could submit an extension request to help, and would follow up with me the next business day after talking with a manager. Nearly a week later, after the due date, I get a rather curt phone call from another agent demanding my payment. Clearly she had NO knowledge of the previous phone call, the information I provided, or the offer of help via an extension. This agent didn't offer an extension at all, but said would send another form to me by mail. There was NO explanation about this form, what to do with it, how to fill it out, how it would affect my account or what it would do for me. After several days another call came and I hadn't received the form yet, so it was emailed to me, again with ZERO explanation about the form or what it would do for me. I told the agent I could try to make a payment but my account was overdrawn because I was out of work. ( I did try to submit a payment and my bank rejected it ). Three hours later I got another call from same agent who was very rude, unhelpful and unprofessional stating I promised to make a payment ( which I did not ) and she hung up on me without any other help. I completed the emailed form and sent the information to Lendmark. I received an automated message that the matter was " closed '' and upon logging into my account, there are no notes, messages, updates or any other information about the matter to let me know what's going on with my account or the form/information I submitted. My account still shows a past due status and late fee. I was never advised of any possible fee either. Clearly, my account is not documented when making contact with agents at Lendmark, information is not followed up on, and requests are ignored by staff.
08/19/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	OH 43130	Web
This is not a duplicate complaint - Please do not treat it as such. Consumer Financial Protection Bureau Complaint For : XXXX XXXX RE : Lendmark Financial Services Credit Reporting Desired Outcome : Removal of negative reporting on credit report Situation resulting in complaint : Due to a deficiency in payment, Lendmark Financial was awarded a garnishment for loan balance unpaid. This balance was paid through XXXX XXXX employer XXXX XXXX via wage garnishment twice monthly from XX/XX/2020 to XX/XX/2020. Inaccuracy of account information : During the successful payment of the wage garnishment and preceding judgment process, Lendmark constantly reported loan balance information incorrectly to credit agency. Lendmark has reported non-payment during successful twice monthly payments via garnishment. Account was changed to Charged Off during the payment process and remains as such. Payments were completed. Despite this, Lendmark has reported that there is a remaining balance due of {$210.00} Examples : XX/XX/XXXX Court filing balance : {$3700.00}, despite reporting a balance of {$3800.00} to credit agencies. XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$840.00} payment ). Began reporting as Charge Off. XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$2000.00} payment ), and continued reporting as Charge Off. XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$1600.00} payment ), and continued reporting as Charge Off. This month completed the full garnishment payment. XXXX reporting balance : {$210.00}, reporting as {$0.00} payment ( despite full payments completed in XX/XX/2020 ), and continued reporting as Charge Off. This was despite a call to the office from XXXX XXXX notifying the balance had been paid. Lendmark has sent XXXX XXXX a paid in full contract and refund of over payment in the amount of {$300.00}, despite reporting a balance due of {$210.00}
10/12/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	WV 26508	Web
I bought the 2003 XXXX truck on XX/XX/XXXX. It immediately had to go to a shop for squealing noises that the dealer said he would fix but did not. I had to get the bearings replaced. The very next week the radiator blew out and my husband had to fix it himself so we weren't stranded. We took it back to the dealer to fix and he kept it for three weeks. After he gave it back with the steering wheel upside down, we found out that he never told the shop what was wrong with it and they obviously didnt drive it or they would have known the engine was gone. We were told that the coil packs were changed and another part was fixed. We never saw anything like a receipt or proof of what was said was done. A day after we got the car back it started acting up again. Doing the same thing it was doing when we gave it to him. We took it back yo him and he told us that he couldn't keep taking loses and said he wasn't fixing it. Due to the fact that it is our only car we took it to a mechanic to see if we could get it fixed ourselves. We were told that we needed a new motor because two cylinders are gone as well as a new power steering pump because it broke due to the work that had been done to it. My husband and I are low income and don't have XXXX dollars for a new engine and XXXX for the car loan at the same time. The dealer knew he sold us a lemon and when it came time to make good on the warranty, he kept it to run the clock out and dump us to the curb stuck with a car thats no good. He took our trade in said the price was one thing and then it was different when we signed the papers. My husband lost his job and we are suffering health wise from the fumes that are burning off the busted engine. We have no other transportation so even my children are forced to ride in the car putting their health at risk as well. My husband cant seek gainful employment due to not having a reliable car. He is severely limited in jib selection which is further hindering our family.
09/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 206XX	Web
On XX/XX/XXXX I spoke with a Mr. XXXX XXXX about my inability to pay being that i was unemployed at that time. He informed me that i could have the XXXX payment waived by going on a payment plan that would push my account out to XX/XX/XXXX. When The XXXX came around i had just began back working starting XX/XX/XXXX. Being that i was unemployed for a total of 6 months, I also had other bills ( Carnote, Insurance, childcare, ect. ) that i had to take care of or else i wouldve continued to be unemployed without the proper means to get to work. Starting XX/XX/XXXX and almost every day there after i would recieve at least 6 live phone calls a day from Their Place of business LENDMARK FINACIAL SERVICES Located in XXXX, MD XXXX. It didnt really bother me until Yester day XX/XX/XXXX, I received a phone call from an unknown number not saved in my phone. Turns out it was the Branch manger, Mrs. XXXX XXXX Contacting Me Using HER PERSONAL PHONE, Once I identified my self, mrs. XXXX preceeded to tell me that i was past due, which i was aware of and explained to her that i can not send what i dont have and that i was working on trying to fulfil my balance. She then threatened that she would foward my file to an attorney that would then move foward with garnishing 25 % of my wages and then hung up the phone. I called her back to ask what other options did I have because i was planning on making a payment today XX/XX/XXXX, in which i did in the amount of {$200.00}. She then preceeded to tell me that i was behind 2 payments as if to say she did not believe i was activley trying to fulfill my my balance or would be able to. I feel this was a form of harrasment because I recieved i high influx of calls from the company while at work with patients and then to have a Manager use her personal phone to contact me was just mind blowing. I understand there was a job to be done which was getting in contact with me, however it was done incorrectly and Unprofessionally.
11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30281	Web
I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. Furthermore, the Installment loan was an approval of a specific extension of line of credit used by my Social Security Card and Identification card. 15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit. ( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
04/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 44121	Web
On XX/XX/2022 the consumer completed an online credit application with Lendmark Financial Services and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Futhermore, Lendmark Financial Services has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because Lendmark Financial Services does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), Lendmark Financial Services actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer. On the online credit application by Lendmark Financial Services, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. Lendmark Financial Services sent a letter of " Adverse Action '' to the consumer stating that " In compliance with Regulation B ( Equal Credit Opportunity Act ) ... your recent application for credit has been declined/terminated. ''
07/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76201	Web
- XX/XX/XXXX my vehicle hit, I sent to repair shop to get an estimate to fix it - XX/XX/XXXXXXXX XXXX XXXX contact me and lendmark about the car being a total loss. On this date my payoff was under {$7600.00} I also emailed XXXX ( branch manager ) to contact me when the payoff check comes [ i have email proof ] - XX/XX/XXXX I was informed that on XX/XX/XXXX my account was updated ( they took the entire check in place it to my account as if it was my paying down on my account but didn't contact me like agreed ) however me and this XXXX XXXX agreed on paying {$550.00} which I informed him that it would take me time to pay it being that I have other obligations - XX/XX/XXXX I emailed XXXX to inform her that i spoke with XXXX about the left over interest lendmark is charging me and XXXX advised me to discontinue all my email communication with her and her branch but I can call to clear up any issues. - XX/XX/XXXX XXXX emailed me a deferment agreement which she told me on the phone it was neccessary in order to move forward ( even though the agreement had that I owe XXXX still which I brought to her attention ) regardless of the balance being not what XXXX and I agreed on which is {$550.00}. XXXX told me that this was like a formality and if I dont sign it will go in collection so I signed it. - XX/XX/XXXX I checked my XXXX account and see that I know owe them over {$1000.00} which its on my credit report and is messing with my ability to rent a home. I have also been sent a letter that say I need to pay {$180.00} so that my account could be in good standing. Lendmark officials If I dont get something in writing that states that I just owe you the remaining {$350.00} ( from the total {$550.00} ) I will be filing a lawsuit against XXXX for breach of contract and against Lendmark so that I can protect myself from your business and branch cause I dont trust you guys at all, you lied to me once it will not happen again.
07/15/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32750	Web
After the death of my father on XX/XX/19 who left no assets and no estate, there was an installment loan through Lendmark Financial with his vehicle as collateral. I called Lendmark multiple times as to what we should do with the car. I offered to bring the car to them, but I was finally told on XX/XX/19 to leave the car and could turn in the tags because it would go through the non-payment process and be would be repossessed. A day or two after these conversations, a payment for the vehicle was deducted from my fathers account for {$260.00}. I had to contact them to correct it, but it took over a month for the refund. Now, three months later, after the car has not been repossessed, I called and was told that it would not be repossessed because it was not worth enough. No one had contacted me to tell me this, I had to call them. There is no estate and no assets to pay off the vehicle. I spoke to the office manager XXXX on XX/XX/19 and they are now telling me that I must sell the vehicle on their behalf and would need to bring the buyer to them to pay them for the car and only then would they sign over the lien. XXXX was rude, condescending, and would not let me explain the situation. He started talking about needing to get a lawyer involved if we are unable to do anything with the vehicle and finally told me he had other things to do and wouldn't continue to " go around in circles '' so I hung up. I then got the number for the District manager XXXX and called her. She was more pleasant, but still told me the same information, but did say if we junked the car she would put a note in the account that the junkyard could call for the title. My father is the only one on the loan, my name is not attached to the vehicle in anyway. The car is in Maryland, but I live in Florida. We turned in the tags per their instruction so it is not able to be driven and will need to be towed which could be a financial burden on my part.
05/05/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WI 546XX	Web
This is about LENDMARK FINANCIAL in XXXX, California This is the 2nd time this company lied and went back on what they told me. The first time is when I got the loan, XXXX told me after 1 year, I could refinance. I made my payments on time ( even paid before the due date ) and 1 year later when I wanted to refinance, he told me they don't refinance. Now, the household has been affected by covid, and XXXX said they are giving their CUSTOMERS relief by refinancing the loans and first payment not due until XXXX. She also stated that she needed a correct number to send a text to for a link to sign documents. She said I wouldn't need to submit anything else, and she'd call me back in half hour to 40 minutes. I ended up calling back an hour and a half later, at this time she told me she couldn't do it because i would have to come into the office to sign papers, i reminded her she said they could be done online like she stated about a link sent in text, then asked what if we came into the office. She then said because we don't live there, their company won't do it. She then said she could send me the papers via email to sign for a deferment, when asked if it will affect us, she said it wouldn't, it would just show a late payment on our credit. Which affects us! I reminded her I AM a customer, and this virus is Nationwide, I was sent the deferment by email, I already called the main office, am told up to 5 days for someone to contact me, the loan is due today! They sent documents via email, there's no reason they can not do the refinance online as XXXX said they could initially. I AM a customer, I have paid my car note for almost 2 years now! Never being late! We are affected by covid 19! We do not want a late payment on our credit! I want this taken care of today and refinance the loan with no payment due until XXXX as told by XXXX.
07/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 280XX	Web
I am writing to file a complaint on Lendmark Financial Services. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX Lendmark Financial Services Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XX/XX/XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was Lendmark Finanical Services they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? I have now been hit twice by the bureaus and my score has dropped tremendously.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30101	Web
Lendmark 's response did not address my concerns. My social security card is a credit card pursuant to 15 USC 1602 ( l ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from the consumer report. This transaction that I am speaking about is a specific extension of credit and shall be excluded. They openly admitted that their policy doesn't abide by federal laws and that they are sticking to that. The person who responded on behalf of Lendmark was not there for the consummation of the transaction and has no first hand knowledge of what took place and what information was or was not disclosed to me. Please declare that I was disclose with adequate disclosures required by federal law under the penalty of perjury. I did not CONSENT to any of my nonpublic personal information to be shared with anyone as it related to this private transaction. The sharing of this information is a violation of my privacy. Their statements " Does Lendmark Share? Yes. Can you limit sharing? No. '' " Should the customer want to limit the types of sharing, they can call '' contradict themselves, this is also further proof that they are failing to uphold their responsibilities under 15 USC 6802. You can not tell me that I do not have the right to limit sharing when federal law says that I am supposed to be provided with the opportunity to opt out of sharing. What laws says that Lendmark has the right to report anything to anyone without MY permission? What law says that Lendmark has the right to continue to disclose my nonpublic personal information with any third party before giving me the disclosure to direct that such information not be disclosed?
06/24/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 20743	Web	Servicemember
On XXXX XXXX, I received a letter from Lendmark Financial stating that they had recently bought out XXXX who I originally took my loan out with. The letter stated that effective XXXX XXXX, my direct pay would be cancelled. All subsequent payments could be made online or by setting up direct pay with Lendmark. On XXXX XXXX, I spoke with the branch manager, who took my payment over the phone. She stated that she would send me forms to complete the XXXX XXXX enrollment process. I received the forms but have not signed and returned them to the branch. On XXXX XXXX, my account was debited for the monthly payment of {$240.00}. Given that Lendmark 's letter and website state that my direct pay was cancelled beginning XXXX XXXX, I was not expecting to have my bank account debited and was actually going to mail in my payment from another bank account that I wanted to use. On XXXX XXXX, I received a letter from Lendmark confirming my authorization for an electronic debit that was done on XXXX XXXX at XXXX which subsequently posted to my bank account in XXXX XXXX. I did not authorize that payment. I also called the XXXX branch and spoke to a rep who told me that because I previously had XXXX XXXX set up with XXXX, that they have a right to debit my account. I explained to her what the letter from Lendmark stated and what is listed on the website regarding the direct pay cancellation. She advised me that regardless of what the letter or website states my bank account can be debited. I again advised the rep that they do not have my signature authorizing the new direct pay enrollment. This unauthorized debit, cost me {$70.00} in overdraft fees. I have since mailed a letter to the XXXX, VA branch and the corporate headquarters revoking their right to debit my bank account.
10/19/2021	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	MD XXXXX	Web
On XX/XX/XXXX, I received an email from Lendmark Financial Services alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest Lendmark branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by Lendmark Financial Services. The Lender was XXXX and the source was XXXX. I contacted the Lendmark branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that Lendmark uses XXXX. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from Lendmark 's security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against Lendmark Financial Services for breach of personal information. That complaint filed before the CFPB was in XXXX ( XXXX ). At that time personnel from the XXXX, MD branch of Lendmark disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by Lendmark through XXXX and if it was an attempt to disclose personal information to a third party or if a third party utilized Lendmark in order to obtain my personal information.
11/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21740	Web	Older American
LENDMARK financial took my husband and I to court in XXXX for a XXXX loan that was a late paid {$5000.00} loan. We went to XXXX XXXX. XXXX XXXX and met with LENDMARKs lawyer. We made a payment arrangement and paid off the loan in XXXX. However almost immediately there after with no notice of filing intent, or notice of new court date LENDMARK filed a lien against our house that we never knew about. I even spoke with the LENDMARK lawyer XXXX XXXX when we made the last payment in XX/XX/XXXX and he told me we were good. My husband died suddenly in XXXX I had to sell my house in XXXX the closing is XX/XX/XXXX and Monday XX/XX/XXXX the title company called to tell me that LENDMARK has 2 liens against my house for over {$7000.00}. I called LENDMARK to get an explanation and after being shuffled through 3 differant offices I called head office at XXXX I tried to get an explanation of the liens for a paid off debt but the woman ( who refused to give her name ) had no interest in helping me telling me " I don't have time to discuss your payments you have an outstanding balance if {$3800.00}. '' Clearly a completely different figure than the secret lien amount. I asked to speak to Mr XXXX XXXX but he was " not available ''. I asked for a LENDMARK attorney to call me back. That was Tuesday XXXX XXXX at XXXX Wednesday still mo call. My closing on the house is XX/XX/XXXX between XXXX and Covid 19 It could take me weeks to get copies 7 year old checks from my bank. LENDMARK is trying to rob me by using secrecy and time constraints to box me into paying them over {$7000.00} I do not owe or losing the buyer of my house. Life as a recent widow is hard enough without criminal lawyers coming after your life savings.
01/10/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 936XX	Web	Older American, Servicemember
On about the XX/XX/XXXX ( morning ) I called XXXX XXXX and asked for a {$3000.00} loan to pay a couple credit cards off. In the afternoon they called back and said my loan was approved. When I get there their associate has a check for {$4000.00} and I told him I had asked for {$3000.00}. He said " do n't worry about it, bring it back if you do n't need the extra XXXX ''. Quite enticing. When we began the loan procedure he marked my loan application with a higher yield for instance : my car was worth {$2000.00} ( XXXX XXXX XXXX ) with a couple dents on it, said I owned 2 flat hd screen TV 's ( I do n't ), put down I had a computer and a lap top ( I do n't ), he never received the pink slip to my car before he gave me the loan, ( he just seemed to be in a hurry to get my loan approved with or without a pink slip ) never once mentioned the interest on the loan and put a lien on my car before the first payment was due so I could n't even get my tags. I 've email their headquarters in Georgia and never once got a reply. I sent letters to the manager in XXXX, California and never got a reply. I received a letter ( it took almost to two months ) from the manager of L.F. in XXXX yesterday asking me to come in because I have n't send them a payment. I just feel this associate took advantage because my credit rating is getting better and it 's taking me a while to accomplish that and now this person is going to XXXX it up as it were. I 've never done this ( good experience ) before probably because I do n't like doing this to people but I also do n't like being taking advantage off. I 'm XXXX years old, I 'm a Veteran, and live alone please consider my complaint it would be highly appreciated. XXXX XXXX.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 294XX	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
02/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 27106	Web
I have a loan with Lendmark Financial Services. My payment is due on the XXXX. I had to change apartments due to mold & constant violence & then the snow storm hit, which left me flat broke. I inform the lender of my situation and that I could make the payment on the XX/XX/XXXX. Their agent " XXXX '' told me that was unacceptable and they could not take the payment then ( the payment would not have been 30 days late ) ->harassing phone calls and letters started. Then On the XXXX they called me for the payment..?? This is harassment by predatory lender, either you want to work with me or not. I have taken steps in retaining an attorney to mediate the matter, but in the meanwhile I need for the harassing phone calls to cease. According to the law as long as the know where I am at all times, the constant phones and harassment should not be happening. I see why the state of NY sued lendmark. I have been thru enough with this company, they have warn on my peace of mind and faith in fair business practices. I have placed complaints on AND with this company before. In my findings its has been the only way the I and others have received any fair result. The previous complaint I had placed, went well the headquarters/main office were fair and I had no problems this is just on the local level where problems arise. I can no longer afford this loan which I have explained several times, the interest rate of 29 % is taken a toll on me financially especially with last series of events and now mentally. I did not give a closing statement to that complaint b/c I knew i would still be faced with more problems later on. Not just my opinion hundreds of people have & are going thru the same thing.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29485	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
02/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	PA 177XX	Web	Servicemember
I'm currently working with XXXX XXXX to help me repair my credit and reduce my obligations so I can secure mortgage financing through the VA to get stable housing for my family. I'm the primary wage earner for my household and my credit tanked when I was on XXXX for XXXX XXXX XXXX. I'm currently stressed and experiencing physical symptoms of anxiety knowing I may be going back on XXXX again. The loan I have an issue with is with Lendmark Financial in XXXX, PA. I'm being charged 25.75 % interest and have paid them over {$4700.00} in the past 15 months and only {$760.00} has been applied to principal. XXXX recommended I use the little bit I have available in my XXXX and asked for a settlement to stop their collection harassment and get on pace to get my VA mortgage. My payoff on the original {$12000.00} loan is currently {$11000.00}. XXXX, the branch manager stated that my offer of settling the debt for {$9000.00} is in line with what has been approved for others in the past. For my request, I was denied claiming they can not settle until my income is impaired. I don't feel I need to give them additional pay stubs or wait until my income is reduced to settle if they have offered settlements similar to others who are using debt relief programs. I also have been subject to arbitrary fees. When one of my two vehicles used as collateral was totaled and insurance needed my title, they were requesting I pay an additional {$2000.00} to get the title back. They agreed to me just paying an additional loan payment of {$400.00} for them to release it. I feel I'm being taken advantage of and want them investigated for unfair lending and collection practices.
11/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 20602	Web	Servicemember
Lendmark Financial is a corrupt company. They have change a bogus loan amount on my credit report more than 5 times, took me to court in both XXXX XXXX and XXXX XXXX XXXX XXXX, marked my credit report as sold then said it was n't and most recently added a bogus amount to my credit report again after it 's been disputed and marked as sold to a collection agency. They have attempted to collect money that I do not owe them for the final time. I will obtain a lawyer because they sued me twice for the same bogus loan in the same state just XXXX different counties. They also reported that I opened up this fraudulent loan on a Sunday, XXXX/XXXX/2013, which I did n't and I would remember that because it 's the day before my Birthday, and they are not even open on weekends. They are not only attempting to get what I do n't owe them but are even reporting incorrectly and but pursuing illegally by suing me twice for something I do n't owe them. My wife and I are currently in the market to purchase a home, this stunt of adding a debt onto my credit could severely hurt our chances of doing that and I 'm livid! I 've had enough of creditors being able to do what they want, when they want and we are to just take it because they say we owe them? I am suppose to be protected from double prosecution, I 'm suppose to be protected through the FCRA and the FDCPA. I ex cerise my right as a consumer to apply these laws to my case and I want this fraudulent account removed from my credit report immediately or I will sue for Fraudulent Credit Damages, Violation of the FCRA and the FDCPA and also for suing me twice the the same fraudulent account.
11/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28269	Web
I have 2 loans with Lendmark Financial, an auto loan and a personal loan. I took out the auto loan in XX/XX/2021 with an APR of 22.49 % and my monthly scheduled payments were XXXX. I took out the personal loan in XX/XX/2021 with an APR of 27.97 % and scheduled monthly payment of {$130.00}. The lender stated in the disclosures that these loans are legal under XXXX XXXX. XXXX the lender pre-computes the loan and adds the full interest owed to the outstanding principal balance. My starting principal balance was {$14000.00} for my auto loan. Had I maintain the loan for 60 months, I would have paid {$9600.00} in interest. My starting Principal balance was {$4000.00} for the personal loan and the {$2600.00} of interest owed after 4 years. Lendmark created a new principal balance whereby all payments made to the loans only pays the interest for the first 18 months or more. Due to their greed and perpetuation of this scheme, they change the loan to a hybrid interest only for the first 18 months without providing proper disclosure nor did they provide an amortization scheduled showing how the loan will be paid in full. I was never informed that the first 18 months of payments would be applied to the interest only and none of those payments would be applied to the original principal balance, I attempted to refinance the loan after 18 months and was told that none of my payments were applied to the principal balance. I am now forced to maintain a car that has a {$7000.00} value and I owed {$13000.00}. I am completely upside down. I was never given the proper notices. I am a victim of reverse redlining and predatory lending.
11/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85122	Web
I took a loan from Lendmark in XXXX of XXXX. The dealer who sold me the car finances through Lendmark accidentally mailed me, the consumer, the title. I turned the title back in to Lendmark. The title was then processed through the normal channels through the state of Alabama. However I made an attempt to refinance the vehicle at a lower interest rate through my credit union shortly after taking possession of the vehicle. Upon which I learned that the title forms submitted to the state of Alabama were incorrect, verified by the state of Alabama titling office, and that my credit union could not refinance the loan therefore sticking me with a 22 % interest rate. I have since then, XXXX of XXXX, until today XX/XX/XXXX, been fighting with lendmark to simply get the title in their possession corrected. There was an attempt made by me in XXXX to get the title corrected myself through the state of Alabama, to which the state of AL told me that I myself could not make the correction as I was not the one at fault. So for well over 2 years I have been paying for a vehicle I can not legally put a tag on and I have followed my end of the loan contract with insurance requirements and address changes as necessary. I am out of options. Since I have not legally been harmed over this yet, I am unable to sue, but I am forced to make payments on the vehicle. I simply want the title issue resolved so that I can avoid the headache of filing suit against Lendmark when my loan is paid off. I currently have the money to satisfy the loan in full, but if I do that then I will be left with a situation that is not resolvable by myself
04/24/2018	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	PA 19018	Web
In the month of XXXX, I opened a loan on an existing account.My initial invoice noted 'please pardon our progress'..we are not able to include your balance at this time. ' I continued to pay the invoice in good faith fr several months. I then called and reminded the creditor that it is legal bussiness practice to include my payment as well as the future balance with the payment deducted ( past balance ). I reminded the csr that I was sure that when he paid his personal invoices, this information was included. He agreed.Asking for patience with the company update, I relented. Six months later, The representative tried to get me to emphathize with their company 's struggle with thier system. I adamantly replied that I pay my invoice on time and noone from her company concerns themselves with my struggles. I pay the invoice on time ... Every Time. Please review my payment history..over 26 years. This company has changed hands twice since XXXX when I initiated a bussiness relationship with them. At this point, I have not received a balance in a year of payments. So, I am not prepared to pull out the initial Loan agreement from XX/XX/XXXXand then pull out check ledgers to find my own balance, only to have this company dispute my math or interest calculations. This is not a reasonable requirement of me. I also refuse to call every month for a balance. In America, if it's not on paper, it holds no weight.At this point, I refuse to pay this company until it provides me with a record of all payments, deductions and balance calculations for every month of the Loan. This will circumvent any descrepancies.
11/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27405	Web
I understand that I borrowed the money because my mom was XXXX so she is not able to work so I 'm helping paying the bills such as ( light, water, cable, insurance, food, phone and etc ) This company is very RUDE they do n't understand things happen. During my time with this company I received these comments : I told XXXX you werent going to payment but I guess he tried to believe you ( XXXX said that! ) I asked to not be called at my employment, ( I even sent an email handwritten to not call at my employment ) XXXX XXXX from the XXXX NC location called XX/XX/XXXX saying " Hey XXXX, are you going to make your payment '' I said I will call back on my lunch break please stop calling me at work '' this is so annoying! XX/XX/XXXX I called and ask the branch manager for the original copies of my contract I finally received them XX/XX/XXXX. ( I guess he stated he was busy ) I called XX/XX/XXXX to ask to why my charges are extremely high if I only received ( 3 ) checks in the amount of : {$1100.00} ( XX/XX/XXXX ) {$390.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) Which is ALL a total of {$1600.00} ( so your telling me it 's THOUSANDS of dollars in INTERST! ugh NO! ( explanation please! ) When I called XX/XX/XXXX I was on the phone with a sweet lady name XXXX and she could not figure out why my charges are extremely high. This company needs to be investigated. Then I get legal papers that say {$830.00} OWED, {$650.00} INTEREST {$9000.00} HOW! I 've sent an email to XXXX XXXX XXXX, XXXX ( Chief Administrative Officer ) XX/XX/XXXX with no reply or anything!
10/12/2017	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	CA 90630	Web
In XXXX of XXXX, I responded to an online advertisement for an unsecured loan. I applied for the loan with the intent to pay off my outstanding car loan and other smaller bills. When applying for the loan, it was n't until after I was approved did I realize the unsecured loan was now a title loan. XXXX reduced the loan by the payoff amount and retained the title of the car. I launched a complaint against the company in XXXX XXXX during the time of an unknown business acquisition. My account with XXXX is now transferred to Lendmark Financials in XXXX XXXX. At this time I was told by the customer service agent at the XXXX, CA location she could no longer discuss my XXXX account. Ever since the transfer to Lendmark Financials in XXXX XXXX, my monthly statements DO NOT reflect how payments are applied or the active balance. Only in the month of XXXX XXXX did my statement reflect my balance of {$7300.00}. I have no way of knowing what the balance is unless I call every time to get this information. With every called I am told they are still working on transferring everything over and they apologize. I have made numerous calls asking how much would I have to pay to purchase my car back from them and gain the title and every response is different. I called them in XXXX XXXX stating I did not want the car anymore and they could come pick it up. I was told they are not in the business of repossessing cars. I am STUCK in an upside down title loan that still has a balance of {$7000.00} something dollars for the last 12 months. I have since bought another car.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92585	Web
Someone opened a car loan using my stolen personal information. I have sent them an abundant amount of information to prove my identity theft claim. They are still trying to say it's a valid account and ruin not only my credit worthy and also pretty much put me in a situation to become homeless. I have applied for over 5 different home loans and have gotten denied to rent or own due to this fraud account. Im so lost at what to do next I feel the next step is to sue this company. They have violated several of my FCRA rights. Whoever opened this fraudulent account, the detective that is working my case believes they know me very personally. I had and still have a fraud alert on my credit that states to contact me before issuing any services or goods and they failed to do that. They have never attempted to call, text or email me anything. I only found out about this account when I tried to apply for my home loan and was denied and I immediately contacted them and sent over all the requested documents. I have sent the information over to them several times. I believe what they are is against the law. Im going to continue to fight for my rights. Its sad that I'm already fighting to regain my identity back and now have to have with this company. I have found out about 37 different accounts that were open and out of all them Im only have problems with two To give advise to any consumer looking to purchase a vehicle or get a credit card STAY AWAY FROM XXXX XXXX XXXX and XXXX XXXX. they will not help you if anything like this happens to you, its very sad.
10/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21227	Web	Servicemember
My husband and I were approved for a car loan from Lendmark Financial. We signed the loan documents and did what we were instructed to do, but the title was misplaced and we had to get another copy from the dealer. The dealer contacted the previous owner and it took the owner some time to give the dealer a copy. Once the dealer received the copy we processed the title immediately, but Lendmark Financial had to update their information with the Virginia DMV in order to get the title. Lendmark claimed they could n't get in touch with the DMV and did not know what to do. I got in touch with the DMV and found out what to do, sent the form to Lendmark and processed a title copy for the third time. I did not miss a payment and I kept open communication through out the entire process. Lendmark Financial placed a judgment on my husband 's and my credit report. When I called to see if the title was received they confirmed that they had it. I then asked if the judgment could be removed since we made sure the company received the title. The branch manager ( XXXX ) was very rude and stated that the judgment would not be removed until the loan was paid in full. I replied that there were no payments missed and reminded her that I made sure they received the title. I also told her that I was not going to pay until they removed the judgment. However, I am still current on the payments and she filed a motion to garnish our wages, even though we have not missed a payment. I have proof from my checking account and my credit report shows on time payments as well.
07/14/2022	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 23602	Web
On XX/XX/2022, I XXXX XXXX sent Lendmark Financial Services LLC a billing error dispute pursuant to 12 CFR section 1026.13 ( b ), correction of billing errors pursuant to 15 U.S.C. 1666, and claim for credit balance pursuant to 12 CFR 1026.21, in the amount of {$6600.00} The correspondence I received back from XXXX XXXX, Associate Legal Counsel for Lendmark Financial Services LLC, had nothing to do with the information that I had requested. I requested documentary evidence of the original instrument of indebtedness, evidence that Lendmark Financial Services LLC owns the debt. I requested the license to collect a debt in the state of Virginia, I asked for evidence that the balance is a credit balance or a debit balance and adjust the account and billing statement in accordance with General Accepted Principles ( GAAP ) an/ or the International Financial Reporting Standards ( IFRS ) were applicable.Provide me with evidence that Lendmark Finacial Services are not creditors who have extended me my own consumer credit via the credit balance you have extended. And that you are indeed a debt collector who is collecting a balance due to the United States Dollars. And last but not least provide evidence that the amount which stated what is owed is not an obligation of the United States pursuant to 18 USC.section 8. All of my requests are noted in this communication. Also I need XXXX XXXX 's XXXX XXXX XXXX number to make sure she is not in violation of fraudulent misrepresentation of a government official.
09/10/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30238	Web	Older American, Servicemember
We had purchased GAP Debt cancellation with this auto loan. The vehicle under this contract was totaled on XX/XX/XXXX Lendmark was paid by our insurer around XXXX XXXX. Lendmark called me to state they received our insurer 's payment and would begin filing the claim to the GAP insurer. Upon receipt of their XX/XX/XXXX letter requesting payment, I called to find out why we received this letter and the status of the GAP claim. It was at that time, when I was informed the claim wasn't submitted until the end of XXXX ( two weeks later ) and no follow up had been done with the insurer. When they finally followed up ( XXXX ), it was discovered there was missing information to approve the claim. By the end of XXXX, the claim was approved and paid to Lendmark Financial. We were told to wait 15 days ( XX/XX/XXXX ) to receive the necessary documents to show the contract was paid in full along with receiving a check in the amount of approx {$170.00} for the credit balance on our account. XX/XX/XXXX is the date both insurers used for payment which effectively is the date this contract ended. Lendmark continued to report to the credit bureaus knowing of the pending claim and payment. Instead of using the XXXX date, they reported and posted, in XX/XX/XXXX, the GAP payment which put our account 30 days past due. Their delay in, first filing the claim and second, not following up properly, delayed the payment by the insurer. Also, they incorrectly reporting to the bureaus put a negative remark on our accounts.
04/07/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TX 76201	Web
I had borrowed money from Lendmark in XXXX, Texas with a title loan but on XX/XX/2023 I got hit and after sending my vehicle to a local auto repair shop I was told on XX/XX/2023 that my vehicle was a loss. Now Lendmark XXXX branch receive the same news via email ( due to the fact their local branch manager informed me via email of this ). She stated that once the check comes in she would contact me so that I can pay the remaining of the payoff ( at this time the payoff was {$7500.00} ) so the remaining balance is XXXX. However I notice that the payoff amount started to increase I informed her of this on XX/XX/XXXX via voicemail then she replied by email ( that the payoff change daily due to the interest on the loan and that the sooner I pay it off the lesser the interest. She end by saying she gave me a payoff quote the day I called in however she emailed me then she called me first and never gave me a quote I told her what the remaining balance was after she tired to sell me on getting another auto loan or refinancing the remaining balance. ). I reached out to XXXX ( it was also difficult to contact them too during since XX/XX/XXXX ) they informed me that they sent the check to them via standard mail early last week. XXXX, Texas to XXXX, Texas doesn't take that long. I have not been able to contact Lendmark XXXX TX Branch or Lendmark headquaters to pay the remaining balance. I fear that they are doing this on purpose to get more money out of me and ruin my credit of paying on time.
11/01/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 301XX	Web	Servicemember
The company is Lendmark Financial. I took out a {$3000.00} loan with this company in XXXX or XXXX. Several months later, I lost my job and was unable to make my payments and the loan was eventually charged off and reported to collections. I took steps to enlist the help of a debt consolidation firm, and they negotiated a lower amount with this company. That was after an employee of Lendmark showed up at MY HOUSE demanding the loan be paid! Fast forward 7 years later, I start getting calls 7 to 10 times a day from a debt collection firm called XXXX. In addition to the frequent calls, which are harassing enough, they are now calling personal contacts. I have heard from immediate familymy parents, my daughter, my ex-husband and my former sister-in-law that they have all received phone calls from this company asking for personal information like my phone number, address, etc. Last week I answered one of these calls and this is the information from that call : Name of Debt Collector - XXXX XXXX XXXX XXXX calling for Lendmark Financial XXXX - XXXX ( just one of several numbers they use in addition to Unknown Caller Name of Caller - XXXX XXXX I am told that I owe {$3800.00}, ( {$3000.00} for the original loan amount and {$820.00} in late fees ). I want these calls to me and my family to cease and desist immediately. I have not received any validation letter that explains this debt and have never used my family members as references, nor given permission for them to be contacted in any way!
09/25/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA 92021	Web
I got a personal loan of {$3000.00} from Lendmark Financial on XX/XX/2020, I made payments on time for the most part or within the month, yet they still charge me a late fee, thats fine but they charge me interest as well, for a while the balance wasnt even going down, they keep harassing me by calling me the day after my due date to pay them if I dont pay them, they even call all of my emergency contacts. I also made a large payment and the balance significantly decreased, I made the mistake of missing some payments but resumed quickly. Then I noticed I was paying my loan for about 6 months and my balance wasnt going down. When I noticed they were charging me so much and my balance wasnt going down I asked them for a breakdown of the interest. They didnt want to give it to me in paper, when I called them they didnt answer me or get back to me, about a month later they called and told me over the phone that I owed like $ XXXX In interest for not paying for some months and all my payments were going to interest and not principal. Ive kept making payments and it seems like theyre still doing whatever theyve been doing because my balance barely goes down. I am just very confused with this loan, Ive never had this happen to me and I believe I am a victim of predatory lending. I cant seem to get below {$1300.00} now, I dont want to continue making payments because I feel I already paid this loan off a long time ago and theyre playing around with the numbers.
06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77064	Web
XXXX XXXX XXXX stated that they sold my bad debt to XXXX XXXX on XXXX/XXXX/XXXX which is incorrect. According to XXXX XXXX they obtained my account on XXXX XXXX, XXXX, therefore XXXX is still reporting false inaccurate information. There are XXXX accounts listed on my credit report from Lendmark Financial one ending with # XXXX in the amount of {$2000.00} and the other one ending with # XXXX in the amount of {$1400.00}. I only had XXXX account with Lendmark and each time Lendmark sold or transferred my account they created a new account number which also added another tradeline to my credit report creating multiple tradelines from the same creditor which has severely affected my credit rating even more. I have made several attempts with Lendmark to correct this matter but I was only disrespected and humiliated and hung up on by one of the managers, and XXXX representatives. I have also disputed this matter to all the credit bureaus and nothing has been done, but Lendmark manages to constantly update my credit report with new or updated information according to the credit bureaus, which is still affecting my credit rating. Again if my account has been sold to XXXX XXXX and they are collecting on this debt as well why is lendmark still reporting on my credit report. I am requesting for the fifth time that Lendmark remove there multiple tradelines from my credit report and allow the company that they sold the debt to, to collect on such debt.
09/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	DC XXXXX	Web	Older American
LendMark Financial Services recently acquired XXXX XXXX XXXX in XXXX 2016. Consumer is a XXXX XXXX loan customer. An original loan in the amount of {$2000.00} + {$1000.00} with XXXX were granted to consumer in XXXX, WV store. The loan are rated sub-prime and loans APR are 24 % - 27 % to consumers with limited or marginal credit. Or less credit than most. Since Lendmark acquired XXXX, all loan requirements and paperwork are different to the XXXX consumer ; if loan funds are added the consumer must comply with inflated APR 's in each state. The APR can increase from existing loan amount sto a maximum of 36 %. Consumers are held to LendMark standards and no longer to the XXXX requirements ; means if consumer needs additional funds all loans are under new rules and regulations. Consumer contends that LendMark offers predatory loans and should have grandfathered -- XXXX loans with similar rates to the contracts signed at the time of lending. And, due to acquistiion consumers facing inflated APR amounts is n't fair practice. In addition, if consumer chooses to re-finance and/or pay-off a loan from one store to another ; why is consumer being rated at higher inflated APR rates ; due to state by state laws. LendMark Finanacial Services should not be providing predatory loans and inflated amounts merely because of acquisition ; and the purpose to recover acquisitions losses ; whereas the consumer will eventually be a part of said purchase.
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WV 26554	Web
XXXX in conjunction with Lendmark keeps reporting that all info which is never provided to me the consumer is acceptable and accurate. As XX/XX/XXXX XXXX opened up the Lendmark account which is charged off and is ex husband 's account to make it appear as an active auto loan. Lendmark will not make.payment arrangements for specific dates, will not give balance owed which has received XXXX dollars and XXXX dollars in XXXX and XXXX, which is charged off after it was a judgement and paid on, which still has an incredible increasing amount because they will not supply balance, give receipts or bills, or and were not even sure if they could accept money because it was closed but that has not stopped XXXX in conjunction with Lendmark from reporting major discrepancies such as loan amount, saying it was open account, and now messing up my payment history by saying a payment is late when indeed there IS NO payment date set in stone and the consumer has no clue balance owed or if it is even supposed to get payments to it because Lendmark will not produce info. Also in XXXX I got divorced. The ex never showed up or responded to divorce but Lendmark accepted his word I had to pay and judge said so. The ex took the car. Lendmark refuses to go after ex XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX unless he calls in because he is pretty much exempt due to a fictious letter. This needs fixed. It is not an open account. It is charged off. It is not late.
08/04/2022	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	TN 373XX	Web	Servicemember
I have a secured loan # XXXX with Lendmark that was started on XX/XX/2021. They have the title of my car as collateral. On XX/XX/XXXX i made my monthly payment of {$270.00} with my XXXX XXXX XXXX debit card. It cleared on XX/XX/XXXX. On XX/XX/XXXX Lendmark called me and said the payment was returned and past due. I checked with my bank and it was not returned or refunded. I provided XXXX XXXX and XXXX XXXX at Lendmark my bank statements and transaction details showing them the payment cleared and was not returned. Through the month of XXXX they continued requesting my bank statements on a weekly basis and i provided them. The payment was never returned or refunded and they have refused to update my account balance. The loan is now in default and they have informed me the car will be repossessed if i dont make that payment again. I called Lendmark and did a conference call with XXXX XXXX XXXX so they could directly ask them about my account. We did two conference calls in the past two weeks. Both times the bank directly told them my account was never refunded or returned any amount of money from Lendmark. Lendmark has now refused to answer my telephone calls over the past week. They are still showing my account in a default status on their website. I am worried they are going to repossess my car. It is very unfair. The payment cleared on XXXX which was 58 days ago. I am a XXXX patient and XXXX. Please help me with this. Thank you.
02/07/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	CO XXXXX	Web
I applied for a loan for an ATV with XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX. They passed my credit app to Lendmark Financial. After I submitted Income and my buyers order they said they would get back to me. My first complaint is that XXXX XXXX, the rep I was dealing with could not explain the disconnect on the total price and debt to income disconnect. Turns out she was adding in a {$1500.00} warranty and all of Lendmark 's ancillary products without asking. I had to press her on this and she reluctantly removed them. She could then not explain why I did not qualify with the new payment amount. She stated I was 55.6 % DTI. She clearly stated that 55 % is there max which in the finance world is everything 55 %, not a decimal more. Her numbers were wrong. I did the math and I was at 54-53 %. She was flat out lying, trying to make room for add ons. When they actually received my income it was even more than expected and I qualified in every regard. She then called me back and said that I didn't qualify because I had some credit card accounts that have been paid through a credit consolidation company for over 2+ years. I have never once missed a payment on any bureau. I searched their website, and terms and found no explanation stating that was a reason for denial. Furthermore the consolidation company excludes major installment purchases in their terms. This is a flat our way to discriminate against a qualified applicant.
01/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 20743	Web
I have take a loan with Lendmark Financial Services, LLC. In XXXX. This company has charged me excessive amounts and fees for interest. They have reported erroneous marks against my credit report repeatedly. They have bad business practices to make the account delinquent by not accepting my payment monthly. They have made harassing telephone calls to me and my employer. The company has three telephone numbers on file for me and one telephone number for my husband. My husband is on the loan but they have never called him not one time. I have visited the company business numerous of time in XXXX the office door was locked. I have downloaded the lendmark app to my cellphone the company has blocked me and the account to access to make payments. They are refusing to accept payments in bad faith to gain additional money from me. The company filed a lawsuit against me in XXXX but they refused to appear in court. The case was fraudulent because they charged my bank card two payments when I was only to make one payment each money as the account was not delinquent. The company has failed to provide account billing statements as I have requested several times by telephone. The company has contacted my employer XXXX about the account. The branch manager XXXX XXXX has repeatedly discussed to me about how the company will continue to destroy my credit and report me as late paying when they refused to accept my payment. Thanks, XXXX XXXX
06/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 21921	Web	Servicemember
I purchased furniture from XXXX in the summer of 2014, I was financed through Lend mark financial. When we purchased the furniture the sales rep advised their was a special promotion were no payments needed to be made until 6 months. I was approved.. Not realizing that this was incorrect information, as statements were being mailed to a wrong address that they had on file. I received a statement from a neighbor which stated I was XXXX months behind. I immediately called the number and explained to the representative, that I was not aware of any past due balance. as the representative at XXXX gave wrong information. The sales rep did not have my correct sale phone number or address correct in the computer, as I did not receive any phone calls or statements. By this time the account was in collections, I explained to the rep that I was currently on bed rest and was only receiving 50 % of my income. She stated I needed to bring account current or account would be charged off. I again tried to explain the situation, to no avail they were not able to help until account was current. I than received a letter stating that there would be court date. I advised that I could not attend due to bed rest. They stated they would send me out paper work to sign and return. I advised when I received the paperwork that I did not agree. I received a judgment on my credit and now they are garnishing my wages 25 %.
08/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 232XX	Web
On XX/XX/2022 I went into the physical location to complete paperwork for a loan. Over the days leading up to XX/XX/XXXX I spoke with the Branch Manager ( at the time ) of my intentions of purchasing a vehicle. I had a vehicle I owed {$4800.00} on financed with a different company and a {$6000.00} personal loan with Lendmark. Branch Manager suggested I combine the XXXX loans under my Lendmark loan and be able to get cash in hand with the refinance and merger of loans. Getting this cash in hand would give me cash to put a down payment on a new or newer vehicle. When I arrived XX/XX/XXXX, it went all down hill. I was abused through harassment and ableism by the Branch manager to the point that they were fired. The branch manager unfair and deceptive about the way the loan product worked when merging into a " partially collaterized personal loan '' and slapped a 36 % interest rate on the loan. So this would mean my vehicle worth {$4800.00} from its loan, when its actual book value is {$2500.00} aprox., is attached to a loan of roughly {$12000.00} for 60 month for a total with interest payment of $ XXXX. There is so much more to write about UDAAAP violations by the branch along with the branch manager trying to bribe me to keep quiet about the issue. Now as of XX/XX/2022 the branch has a new manager and they are committing UDAAP violations and lying and being deceptive in their practices.
12/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 23061	Web
In or around XX/XX/2015 I purchased an enclosed trailer financed through lendmark financial services in XXXX XXXX Virginia. I was paying the loan down and the manager began calling me several times a day advising I was preapproved for a XXXX loan just in time for XXXX of XXXX in addition to the secured loan on the trailer. Days went by and she continued to call. She said shed give me the title to the trailer if I took the personal loan. I paid for 3 years every month. After determining they essentially turned my lower interest secured loan into a high interest personal loan the amount never really went down. I feel their marketing was predatory. I hadnt asked for the loan didnt call back about this loan they were hounding me about. I didnt realize what had occurred and how they changed the structure of the loan. They then, despite giving them my new address via email and via over the phone and each time a payment was made they served me with a warrant in debt which I was unaware of. I found out when they garnished my wages and I had told them not to retain my payment and bank account information. I stopped making payments following an accident for which I now have permanent restrictions and am filing XXXX. I am unable to make the payments and stopped and have spoken to a lawyer about filing bankruptcy. Money in my account is all unemployment and or workers comp exempt from garnishment.
04/17/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 206XX	Web
Lendmark Financial Service. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code 241.Lendmark Financial Service , unlawfully with out a court order or proof of claim arbitrarily deprived me of my property without due process of law. The seizure of my property without a warrant and without a court order is a violation of FRCP rule 41 and 18 U.S. Code 983. I was never personally given any loan fr om Lendmark Financial Service and was never given any accounting or receipt disclosing the transaction which took place between Lendmark Financial Service and the seller. After further discovery I have learn that Lendmark Financial Service used my identity to obtain a fraudulent loan from XXXX XXXX XXXX XXXX . Therefor e Lendmark Financial Service is not the holder in due course, which would explain why they could not provide validation for the allege debt. It is more then clear that Lendmark Financial Service has committed fraud being that Lendmark Financial Service is a Co rporation and corporations or banks can not lend credit and that Lendmark Financial Service pro vided false representation to the credit bureaus which is defamation of character, for a loan that never existed. Due to the fraud committed by Lendmark, my property was stolen from me unlawfully, I have been denied credit based off false information and been the victim of identity theft.
02/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30127	Web
I opened up a personal loan with Lendmark Financial in XXXX Ga on XX/XX/2018 with payments of XXXX a month. I got behind on my XXXX and XXXX payment. When I called in XXXX to make my XXXX payment I actually paid XXXX dollars instead of the normal XXXX and I was told I could do a deferral on the XXXX payments I missed ( XXXX and XXXX XXXX and have those payments put at the end of my loan. I agreed and the representative from Lendmark faxed me over the deferral form and I signed it and faxed it back over to Lendmark 3 different times only to be told they didnt receive it. I then scanned and email the form and sent it to the representative I was speaking with the assumption that everything was handled. I proceeded to make my XXXX payment of XXXX but within a couple of days of making my XXXX payment I was served by the sheriffs office with papers from Lendmark stating I was being sued. Now this is very confusing because I have every intention of paying my loan back which is I why I signed a deferral agreement in XXXX for the XXXX payments I missed and I made my payment in XXXX so why am I being sued. Ive already reported this company to the XXXX and I also plan on sending a email to their corporate office and to the local news channels to see if any investigative reporters can assist me with getting to the bottom of this shady business tactic. LENDMARK FINANCIAL=BAD BUSINESS!!!
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21157	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
04/20/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	WA 98126	Web
I set up a Settlement Agreement on my Account to Settled in Full in two installments of {$750.00}. I awaited to get a Settlement Agreement Letter in which I had to call after my first payment went through to get someone to send me a copy of the AgreemeXXXX. When I asked how long after my last payment goes through should I await for my Settled my account and balance is {$0.00}. I was told by the agent that is something his company does not do due to large inventory of accounts. I told him that is something required by law that we should receive and was told that if I was worried about Credit Reporting then I would have to wait. When my payment went through yesterday XXXX. I emailed the Recovery Agent XXXX to ask for a letter to reflect my balance in {$0.00}. He told me that I needed to call the XXXX line and talk to the same agent that setup my settlement agreement. When I asked " As a Recovery Manager, you are unable to provide me this information? '' His response was " I only send letters via email. I emailed back stating " Well you agent had told me previously that is something your office does not do because your company has a lot of accounts. Frustrating that I wasn't given a settlement agreement letter when it was first set up and to hear that a Recovery Manager can't even provide me any information. Well I guess another CFPB complaint is needed. ''
01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	AL 35401	Web
I took out a loan with this company and it has been a nightmare. My payments were due on the same time each month. If it was one day late they would call several times a day very rude and threatening. They even went as so far as to call one of my relatives. In XXXX I went in to make a payment which was about a week late ( they had called everyday and several times ). The branch manager XXXX refused payment if I did not make payment for the following month which was not even due and even going to the extent of showing me a list of people which included myself as too the reason she had to work on Saturday because of us.Upon calling corporate which still resulted in rudeness and being told that they it is up to the manager if they want to accept payment or not. So I contacted a debt collection attorney whom sent them notice that they were the Guardian of the case. I have constantly received calls from them ( unknown numbers and different numbers ) even though they know I am working with an attorney. I received a subpoena that they were seeing me that came to me instead of my attorney and they have called and left messages almost daily even after filing suite . Their collection practices are horrendous. After being harassed by them, I saw some very negative reviews and it turns out I am not the only one that has been subjected to this.
05/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97420	Web
I have been making payments on my loan with Lendmark Financial 's XXXX office for several years. I have been repeatedly 10-15 days late making my monthly payment. When I moved to Oregon I updated my contact information with them. And in hindsight it was foolish to have provided my work # given I am not allowed to receive personal calls at work. Despite mutiple requests and demands from me since, as well as my manager talking to their agent and telling them I am not allowed to receive calls at work, and my demand to their office manager XXXX that they stop and remove my office # completely from their system, which she assured me had been done, I have received dozens of calls to my work, each and every time I get the call I tell them I can't talk at work and later speak with them via my cell. I thought it had finally been resolved and hadn't gotten any more calls to work for a few months, until recently. I have received 5 vm msgs at my work since XX/XX/2019. I sent an email again demanding they stop calling my work and they called me at work AGAIN claiming my cell # wasn't working. They had inexplicably called a cell # I haven't had since I moved to Oregon and they had called me on my cell as recently as XX/XX/2019. Even if my cell was disconnected they do not have the right to call me at work and they know this and do it anyway.
06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30101	Web
Lendmark is currently negatively reporting an account on my consumer report. I sent off a letter telling them that I do not owe the alleged debt and they need to cease and desist communication. I also requested for them to send me all information that they had in their records so I can validate the debt which is my right as a consumer. They then proceed to send me an alleged contract bearing signatures and it also contained different dates on there as well as the TILA disclosure. Not only did they alter the alleged contract, but they also have violated TILA by failing to disclose to me that the finance charge is actually the sum of ALL charges and letting me that I had the right to rescind the contract as stated in TILA, 15 USC 1635 says " in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained, the obligor shall have the right to rescind the transaction until XXXX of the third business day following the consummation of the transaction ''. They also failed to provide me with any documentation that showed that I owed them anything. Instead, they falsely obtained this account and are harming my reputation by reporting the account on my consumer report.
10/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30135	Web
On the XX/XX/XXXX, I was approved to finance {$9000.00} with Lendmark Financial through dealer XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. The original total for the Trailer {$13000.00} ( including taxes ), in which a payment of {$4900.00} was applied. This brings the total to {$9000.00} financed with Lendmark with APR of 20.999 * ( 21 % ). I reached out to Lendmark Branch manager XX/XX/XXXX to request a payoff amount, after making 2 months payments of {$240.00}, totaling {$480.00} and I was advised {$9100.00}. I inquired on the calculation used to determine this amount and I have received a calculation nor a response. General APR of 21 % calculation, with a loan amount of {$9000.00} equals {$230.00} for a term of 2 months. My issue has been escalated XX/XX/XXXX to the District Manager, who advised " I will return your call today. '' I have not received a callback as of today XX/XX/XXXX a week later. I have made multiple contacts to reach the District Manager for clarification. I am concerned about why {$9000.00} with an 21 % APR with a 2 month term is {$590.00}. Please assist and provide an explanation. Please note per general APR calculation of 21 % on a {$9000.00} loan amount and term of 2 months total {$230.00} interest. I am disputing a difference of {$350.00}, Please clarify.
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78640	Web
I have contacted the reporting credit agency that lendmark is reporting a repeating charge off for more than 180 days. They simply updated the charge off of in XXXX. How we this continues inaccurate reporting was cause for a deletion due to the damage caused by the improper reporting. Which has continue to update for since past the 180 day charge off statute The balance was still showing it shouldnt have due to it being charged off. XXXX showed my last payment as XXXX first 2018 XXXX and XXXX showed last payment as XX/XX/2018 A high credit amount was shown on XXXX as {$4500.00} While XXXX and XXXX showed high credit as {$4700.00} Date last active on all XXXX XXXX, XXXX, XXXX are all showing XXXX different dates. Due to the inaccurate reporting I asked for this account to be deleted. It has impacted my credit due to the length of inaccurate report provided to the agencies. Has violated my rights with fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The fact that this charge off was simply updated and not deleted is a clear violation with the fair credit reporting act.
04/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22042	Web
On XX/XX/XXXX, I called Lendmark Financial Services via phone, spoke to XXXX at the Credit Bureau Information desk. Lendmark was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at Lendmark, submitted supporting documentation that proved all payments to Lendmark were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, XXXX is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my XXXX report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.
06/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21040	Web	Servicemember
WE HAVE A LOAN WITH A COMPANY CALLED LENDMARK FINACIAL. WE ARE CURRENTLY WORKING WITH A XXXX PERSON AS PART OF THE XXXX AND HE ADVISED US TO CONTACT YOU. WE GOT BEHIND ON A PAYMENT BECAUSE MY HUSBAND WAS GOING INTO THE VA HOSPITAL FOR XXXX AND ANOTHER COMPANY CALLED XXXX XXXX XXXX REPOSSED OUR TRUCK ILLEGALLY AND THE DLLR REGULATORS AT THE STATE OF MD HAD THEM RETURN IT BUT IN THE MEANTIME DEPENDING ON FAMILY TO GET AROUND WE BECAME BACK BEHIND WITH OUR PAYMENTS TO LENDMARK AND WAS WORKING WITH ANOTHER FINANCIAL READINESS PERSON THRU THE XXXX AND WE SIGNED THE ATTACHED FORM WITH THE UNDERSTANDING THAT AS LONG AS WE DIDNOT GO IN DEFAULT ON OUR PAYMENTS THAN THEY WOULD NOT PUT A JUDGEMENT AGAINST US. WE NOW OWE XXXX AND THEY NOW WANT ATTORNEY FEES IN THE AMOUNT OF XXXX. WE DO N'T OWE THEM THOSE FEES. WE ARE WITH FINACIAL READINESS TO ASSIST US WITH BILLS. WE ARE ON A FIXED INCOME. WE RECIVED LETTERS ATTACHED INDICTING OUR BALANCE WAS XXXX SO WE DIDNOT PAY THAN WE WOULD RECIVE A LETTER WITH A BALANCE DUE. WE GET THE IMPRESSION THAT SINCE THEY WOULD NOT NEGOIATE WITH OUR XXXX PERSON THAT WE WERE BEING SCAMMED. I RETURNED A CALL AND THEY NEGOIATED THE AMOUNT DOWN A XXXX DOLLARS AND THAN DENIED THEY DID IT. WE WILL FAXS YOU A COPY OF THE LETTERS INDICATING WE HAD A XXXX BALANCE
10/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30534	Web
When working on building my credit, I took out a loan from Lendmark Financial in XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. I have disputed this account several times with the credit bureaus, of which XXXX and XXXX WILL NOT remove the account, XXXX did on the first dispute. This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. The fact that XXXX and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.
06/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 270XX	Web
After being told by finance representative that the loan interest rate would be between 16 % to 27 % as a worst case scenario, I co-signed for my son as this was his first purchase. Although we were informed that I had what they coined as A credit, we ended up at the very highest rate of interest of 27 % on their scale. We were also informed that we would have to secure auto insurance before the approval process was completed which the dealership salesperson said she thought was odd as well. Fast forward to a number of months into this loan and my son is struggling to keep up with payments so we inquired about a refinance and was lead to believe we would have a XXXX month gap where payment would not be due until this refinance was completed. Unfortunately, we were informed that their version of refinance was adding a year to the current loan with absolutely no drop in interest rate resulting in only $ XXXX less payment of what my son is already paying. Both my son and I were stunned when we received a denial letter ( XXXX separate letters in each of our names ) showing each of us applying for a {$1000.00} loan each for which we both had no idea about and was not informed in any way on. We are very concerned about the business practices of this company.
06/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD XXXXX	Web	Older American, Servicemember
MY complaint or request is to Lendmark Financial, who i've been making my car payments to the past year. From time to time during the payment process and as recorded on the monthly statements, the interest payment amount has been recorded very low. This has happened several times duran the 12 month payment period. See attached : THe XX/XX/XXXX statement shows the paid Interest amount as : {$330.00} - with the Principle amount being only : {$13.00} I've reported previously about how Lendmark Financial ignores the contract or payment document that sets the first payment being XX/XX/XXXX, but instead reports the first payment to the credit bureaus as XX/XX/XXXX. They also report for both XXXX and XX/XX/XXXX showing the amount due for those amounts, but nothing recorded as paid for those two months. This of course caused my credit score to drop over XXXX, because the credit reporting is showing the first two months ( XXXX ) as missed with payments starting only for XX/XX/XXXX. Lendmark refused to correct that wrongful credit reporting that cripples my credit reporting by pushing my score below XXXX. Now they continue to wrongfully record the amount that should be recorded on my account, it seems to further cripple my credit score
09/08/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL XXXXX	Web	Servicemember
To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
09/08/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL XXXXX	Web	Servicemember
To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
10/25/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	VA 22079	Web
Lendmark Financial is the absolute worse. Well the XXXX office in Virginia managed by XXXX. They have consistently harassed me with the calls about payment finally Ive expressed to them to stop and they were not authorized to contact me in reference to nonpayment. They have requested me to fill out automatic payment which I signed up for from the very beginning. Listed below in the prove you will see that I have side and authorize them to do automatic payments. They have not collected the payments but of course are adding interest I do not agree with the way how the situation has been handled by the team. I emailed the manager personally she has yet to respond but you have no problem having people calling me and harass me. This is not OK and I should not be penalized with additional fees when everything that was requested for automatic payment has been provided. I told him I prefer not to be disturbed with any phone calls because the payment is in the account and all you have to do is run it with the automatic information provided. I believe theyre maliciously and intentionally not doing it just to allow the loan to go to the creditors. This issue should be addressed and the entire team should be reprimanded.
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30101	Web
Lendmark did not address any of my concerns, see their response on XXXX. Please be advise that I have notified the Attorney General. You all have repeatedly violated my rights as a federally protected consumer. I am now going to be pursuing further action as Lendmark is showing their willful noncompliance to federal law at my expense. I have the right to privacy and that has been breached by Lendmark. I have tried many times to rectify this situation before escalating these concerns. In their responses, they keep addressing me as XXXX AND stating or to whom it may concern as if I am not the one who has been filing these complaints. This is an example of their complete disrespect and disregard for how they are handling my concerns. Lendmark you have been placed on notice for the multiple violations and all I have asked for was for you to remove this unlawfully reported account from my consumer reports and you won't even do that. The FDCPA states that you are to cease all collection activities until you have produced verification of the alleged debt if requested by the consumer. As per the FTC, this includes reporting to the consumer reporting agencies, which you have obviously done illegally.
12/08/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28314	Web
These people, that change staff often leave threatening voice mails to take legal action and then call you the next day that I should call them and make a small payment. It is not against to be in debt. Do not call with threats one day and when you realize that what you said was illegal, call back the next day as if I did not save the voicemail transcription. These people call everyday when they know that I am at work. I get off late so I have to let them leave voicemails. Saturday comes and they call. Then they will call from what I believe is a cell phone. But when I try and call back, it is blocked. That is harassment. Once again, it is not against the law to be in debt. Maybe Im paying slow due to job issues but I always catch up. This type of behavior by their staff that changes monthly is unacceptable and very troubling. They need to know that threats will not get them paid any faster. I am recording each time that call daily and on weekends and Ive saved the cell numbers in which they call from. Ill continue to report them until your company deals with the issue. Threats will get them nowhere.Also where is my written notice within 5 days of the threats? Can I have this is writing.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27909	Web
On XX/XX/2023 I received a alert from XXXX XXXX stating that there was a remark make on my XXXX account from LendMark services stating that my account was increased by {$200.00} between the months of XXXX 2023 to XX/XX/2023. No missed payments were reported to that credit account. I went to the local branch on XX/XX/ 2023 and spoke with a representative loan specialist about the remark that was made and she looked into my account. She stated that the account on file does not show an increase in amount and the amount that was reported to the credit bureau is significantly more than the amount that I owe. She then went through my payments and stated that I did not have any missed or late payments so I also was not charged any late fees. She stated there wasn't any annual fees added to my account either so she did not see where those charges would come from. The loan specialist suggested to dispute the remark made to my account to XXXX and XXXX. She stated that she will print off my payment history if I needed to submit them to the credit bureaus myself to prove there was not an increase in my balance. My credit was negatively impacted by the remark that was made.
11/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92626	Web
I have an installment loan with Lendmark Financial Services. I have made monthly online payments for eight months or so without incident and have reduced my outstanding balance to {$250.00}. This month however, I logged in to my account portal and when I click on Make a Payment for this loan, I get an error message that the service is temporarily unavailable. I have attempted to every day the last four days and received that error each time. Today I contacted an online rep and called my local branch, and both times the person on the phone stated, " it's always been like that for the last payments. '' They suggested paying by phone but would not take my debit card like the online portal does. Their only other option is to pay in-person with cash, but I'm reluctant to go as my household has essential workers and I'm high-risk for Covid-19. I asked repeatedly for their reasoning for why they would not accept online payments at this balance or why they did not disclose to me that my access to a payment service was contingent on my balance. Lendmark failed to disclose that I should expect to be denied a payment service because I was using it to make payments.
09/26/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WV 250XX	Web
I took out a personal loan with Lendmark Financial Services to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. Lendmark was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from Lendmark until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and Lendmark should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. XXXX XXXX is reporting XXXX due which is an incorrect amount.
05/09/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27295	Web
I have a personal loan with Lendmark. I have been put into a medical hardship. I have contacted a debt collection agency. They informed me not to contact any of the businesses that I have placed in debt collection. I have been receiving phone calls 4-5 days a week at my home since doing this in XX/XX/XXXX from Lendmark. I have 10 different companies listed on this account. They are the only company that is calling me and I feel like they are harassing me. It has not even been 30 days since we made this change. This company has called my job asking to speak with me as well. I am not allowed personal phone calls at work. I then called them and asked them not to call my job. I was then informed that I needed to make a payment on this account or it will and can effect my credit. I explained to them that I was more concerned with losing my home than my credit score. Then today XX/XX/XXXX a family member contacted me to tell me that someone named XXXX had called them trying to reach me. I then called and spoke with XXXX and he informed me if I didn't work with them I could be sued and could lose my home. My home is not connected to the loan that I have with them.
03/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23112	Web
THIS IS NOT A DUPLICATE- I received a response from Lendmark Financial regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to XXXX, Lendmark is reporting that this account was closed on XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX there is no closure date. Lendmark is reporting to XXXX and XXXX that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. Lendmark is reporting with XXXX that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX and XXXX, Lendmark reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.
09/24/2016	Yes	Consumer Loan Personal line of credit	Account terms and changes	OH XXXXX	Web
I got a personal loan to get my credit established and to get my car fixed from a certain loan company. I stayed caught up on my payments for as long as I had it, maybe 1 yr or little over and my payments came straight out of my bank on time. Then I get a letter about 2 months later stating that my payments was late and they could n't no longer get the payments from me because they sold my car title to another loan company and I had to sign papers so they can withdraw payments from my bank account again and then I ended up having to pay 2-3 months to catch up. I was n't notified and I did n't sign anything. Why? Because they did n't inform me until I was 2-3 months late. I could n't pay that much at one time because I 'm on a fixed income. Also the loan company they sold my title to another loan company that NEVER let me barrow anything from them when I asked in past. I am concerned, upset and overwhelmed from this. It is ruining my credit as I am trying to gain it back. I feel it is wrong that they DID NOT let me know nor did I sign papers for them to do so. I need some help in resolving the matter. Could someone at CFPB help me get through this?
09/15/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	LA 70726	Web
Lendmark Financial in XXXX XXXX has repeatedly called me, my place of employment, my relatives over and over and over. When I contacted them to tell them to stop, they said I should have told them I'm in a debt collection program. But as per instructed by my debt collection company, XXXX XXXX, I was not returning calls. But it got to the point of harassment. When I said, I didn't have to tell them and to send it to collections if they have to and the company would take care of it, she said it would be too late by then. XXXX, at the location on XXXX XXXX I believe said ok, we'll go ahead and send it to our attorneys and they'll garnish wages or whatever they have to and continued talking over me. I told her in a not so nice way to stop talking. I said one profane word and she said " oh, aren't you a teacher '' as if threatening to call my work and report some sort of behavior. This is ridiculous. I'm not sure how people like her even get in supervisor roles. The number to my debt relief company was updated to my profile for Lendmark Financial, yet, they have not called that number and continue to harass me at work, personally and my relatives.
05/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 23608	Web	Servicemember
I had XXXX loan agreements with Lendmark Financial in XX/XX/XXXX. I ran into some money issues and both accounts went in default. in early XX/XX/XXXX an judgement was granted in favor of Lendmark Financial and the account was soon charged off. I talked to an Attorney and it was discovered that when the judgement was granted, the account was no longer active. ( In other words the judgement would remain on my credit report for 7 years from that day ). The judgement did indeed stay on credit reports for 7 years and was taken off. However, the items still remain on my credit reports ( all XXXX ). I fell strongly that Lendmark Financial has altered the roll off dates to keep the items on my report. ( the dates do not match on the credit reports ). I have contacted the company and reporting agencies numerous time and nothing was done. To sum it up My complaint is that the judgement was removed after seven years but the charge-offs remained. ( they are offset ) and unfairly doing damage to my credit. I think the charge-offs should be taken off just as the judgments were taken off after 7 years. The judgments actually happened before the charge-offs
04/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 64801	Web
we started with having autopay on the account but it took forever for landmark to take the payment via auto deduct from our checking account and they do not offer autopay on debit/credit cards. We cancelled the autopay not knowing it was sent to out bank already and made the payment online with our debit card and was charged a fee. Lendmark took the automatic payment as well. We contacted lendmark and was informed that they would need to clear and they would be able to reverse the payment they also asked for a screenshot of the account showing the completed trans action or a statement or our app. well for security resons our phones will not screenshot our banking app and when I took a screenshot of the pc site and sent it I was then told it had to have my name, account number and the completed transaction. I sent a screenshot showing the last 4 or the account, completed transactions and the only thing it doesnt show is my name on the page because it is on a whole different page. Lendmark then told me that it was not good enough because of my name and that it doesnt show the completed transaction. the sreenshot shows it is completed
02/29/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	VA 23112	Web
Hello, First I would like to say that Lendmark Financial is a great company and I plan to continue to do business with them if they see fit. I requested a car loan for my husband back in XX/XX/XXXX and we were approved for the vehicle. He was hospitalized for weeks due XXXX health and was out of work for some time. My husband was sick again during the time of XX/XX/XXXXand XX/XX/XXXX and he was not being paid for his time out which caused the account to go past due XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX we were late 30 days and XX/XX/XXXX I was also late 30 days. Unfortunately, we had a death in the family and I was responsible for the cremation and the memorial services which set me behind those 2 months for my car payment. I will also admit with much going on I also lost track of my financial obligations. Although the loan has been refinanced and well appreciated, I'm still taking a big hit with my credit score and at this time, I'm trying to get approved for a mortgage. Please consider updating the past due history for the previous loan. Lendmark Financial was gracious enough to refinance the loan in which I am thankful.
05/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 241XX	Web
I took out a personal line in XXXX of XXXX and in XX/XX/XXXX I caught XXXX XXXX a XXXX case. I called them to set up an arrangement once I was out of the hospital at which time they refused to set a repayment plan. The company decided to go to court to obtain a judgement in XXXX of XXXX at witch time the judge on my case instructed them to stop the interest and also advised they could not refuse payments. Every week in XXXX I called to make a payment as they locked me out of the online option. Every week my $ XXXX payment was still refused even after the judgement. On XX/XX/XXXX I reached out again to make a payment towards the account and I was told that again they are refusing my payment and they have filed for garnishment. On XXXX I received notice of garnishment to appear in court with {$2000.00} in additional interest being added to the balance. This loan was for {$6500.00} they have now assessed XXXX in interest and fees of which {$2100.00} was added AFTER the judgement in XXXX where they were instructed to stop all interest and fees. Since this conversation I have made 2 additional calls to make payment that was refused.
07/18/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20707	Web
In a recent review of my credit report, XX/XX/XXXX I noticed the addition of a company called XXXX XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, curtly stated to me : 'We purchased the debt from Lendmark Financial in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that Lendmark provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.
06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92804	Web
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. Account Name : LENDMARK FINANCIAL SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report.
09/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92592	Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
01/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 225XX	Web
The account with Lendmark was paid in full on XX/XX/XXXX. The amount paid was {$6900.00} in the XXXX, VA office. The account was then reported delinquent on XX/XX/XXXX and I called the office at XXXX XXXX XXXX and spoke with the branch manager XXXX XXXX who informed me the acct is not reporting late and she did n't see it on XXXX. At that time I started a dispute with both XXXX & XXXX. On XX/XX/XXXX I received notification that the account with from a derogatory status to a current status. On XX/XX/XXXX I received notification that the account was closed. On XX/XX/XXXX I received an alert that Lendmark was reported back on my credit file, acct opened XX/XX/XXXX. I did not attempt to call the office as the branch manager acted clueless about what was going on.This acct is closed and I have all the documentation but yet Lendmark keeps reporting different information to the credit bureau that is affecting my credit score. Please investigate this financial institution and coach them on better credit reporting. I should n't have to go thru this much headache when I close an account. Thank you.
09/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 279XX	Web
HIS IS NNOT A DUPLICATE. I reported fraud and identity theft since XXXX to all credit reporting agencies and XX/XX/XXXX I pulled my credit reports dude to being denied a loan. Lendmark financial Services # XXXX XXXX Georgia placed a hard inquiry of ON XXXX XXXX XXXX On my XX/XX/XXXX XXXX credit report I recently received it is entered and recorded a hard inquiry that impacted my credit. Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX XXXX Georgia. XXXX XXXX Date of XXXX XXXX XXXX As per attached screenshots. I did not authorize Lendmark financial to do this inquiry. I want Lendmark financial to disclose this hard inquiry of XXXX XXXX XXXX when I did not apply for credit or a loan on this date. I request production of the documents relating to this hard inquiry asap to me only XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX the names of the person address and phone numbers ip address and email and etc used to obtain credit in my names. Thank you Lendmark financial Hopefully you can find my hard inquiry info this time as your company has denied this to to you could not identify the info
07/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33813	Web
I have reason to believe, and do so believe, that Lendmark Financial Services did not loan me anything and I do not have any alleged debt with them. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Lendmark Financial used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Lendmark Financial has continued to report on my consumer credit report during this time, with no regard for federal law nor my rights as a consumer.
01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	MD 216XX	Web
I am just being made aware today of a lawsuit in which a judgment was entered in favor of the Creditor XX/XX/XXXX. The case was filed in District Court XX/XX/XXXX by Lendmark Financial Inc in XXXX XXXX MD and represented by Attorney XXXX XXXX XXXX, XXXX. On XX/XX/XXXX they filed to have my wages garnished. However, I was never, ever served with a summons even notifying me of this lawsuit, and never received any documentation thereafter until being notified TODAY by my Employer that the are attempting to garnish my wages. I called both the Attorney and the Creditor to obtain to get proof of Service and to get my payment history and have not received any response or help with this matter. This case has been sitting here for 8 YEARS and I was never notified, never properly served or given the fair chance to resolve a debt that was opened 11 years ago. I now run the risk of losing my pay when I feel like I was never given the chance to resolve this to begin with. I can not even tell if they filed the lawsuit within statutes because no one will provide the date I was in default.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
After reviewing my credit profile on XX/XX/XXXX \| identified a discrepancy with account listed under LENDMARK FINANICAL SERVICES and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXXXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
06/02/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 27028	Web
On XXXX XXXX, I contacted Lendmark Financial Services to payoff the vehicle loan. The payment was made with XXXX in which XXXX did not communicate any company policies during the process of the payment. The payment was made and was posted to the account as well as cleared from my bank. I called over and over and over requesting the vehicle title securing the collateral of this loan in which Lendmark Financial Services refused to release the title and the lien on the title. They advised that their policy had a waiting period of 10 days, then I was told 14 days. I advised every representative that I spoke with ( on a recorded line ) that Lendmark Financial Services will be responsible for a Fee in the amount of {$250.00} per day until they release the Title and the Lien on the title for the vehicle that is securing the loan as Collateral. All representatives ( on a recorded line ) agreed to the charge. The title was received on XX/XX/2022, therefore Lendmark Financial Services is required to pay the invoice in the amount of {$8500.00} ( 34 days at {$250.00} Per Day. )
02/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	PA 191XX	Web
I contacted the above loan company and spoke with XXXX, branch manager and explained that they were in violation of my consumer rights by not providing me a clear and accurate understanding of the loan. I issued the a an affidavit, demanding the name, address, phone number etc for the original creditor. 15 usc 1692g. She stated that they didnt have to because they were not in violation of any federal rights. They then repossessed my vehicle by coming on to my personal property, in my driveway, and took my vehicle, causing my children to cry historically. I explained that they could not process the repossession while the account is being disputed. They never sent a letter stating they where my vehicle was or who had it. A police report was filed. I made a misinformed decision by obtaining this loan. I never received a separate notice letting me know that I could resend the contract, and obtain another. These transactions were all reported to the 3 credit bureaus, which violated my consumer rights to privacy. Remove account from 3 credit bureaus as soon as possible.
11/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91911	Web
We have repeatedly told XXXX at the telegraph canyon location, XXXX, AND the XXXX XXXX, to not send anything to a particular address. We have provided the correct address many times and they keep sending correspondence and specifically collections letters to an address that is incorrect! Also, I had a promise to pay arrangement with XXXX the XXXX, for the beginning of XXXX and despite this, they went ahead and called a phone number I specifically told them they should never ever call. They spoke to an unauthorized third party and provided details of the loan and the nature of the call etc. I work in consumer lending so I am familiar with what is correct and what is not, and this is not only unethical, it is against the law. I am very upset about this and am seeking some help in getting them to stop these practices. I have warned them several times not to do this or theyd leave me no choice, and they refuse to list the proper address, they refuse to stop calling phone numbers I specifically asked them not to call, and they are causing havoc on my life.
03/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 23434	Web
CFPB Please Read my Entire Complaint. I received the following response from Lendmark stating that they do not have to adhere to Federal law regarding loans they provide. To Whom It May Concern : I have reviewed the complaint brought forth and offer the following explanation. The rescission notice that XXXX XXXX references does not apply to her personal installment loan. All of our loans are made in accordance with the lending laws of the state of Virginia. It is XXXX XXXX 's responsibility to make her contractual monthly payment on time. Currently her account is delinquent, she may contact her local branch to make payment arrangements. I trust this resolves the complaint brought forth if you have any further questions, please do not hesitate to contact me. Sincerely, XXXX XXXX, XXXX XXXX XXXX However, CFPB has clearly noted that lenders of this category in fact HAVE to comply with US Federal Laws. As such, Lendmark failed to provide me with the right to rescind contract which should be included in any consumer credit transaction.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28792	Web
LENDMARK FINANCIAL Services called me today and wanted to make me a loan offer. The lady that called told me they would pull my credit report to do this. I asked if that would count as an inquiry and she stated " yes. '' I told her she did not have my permission to do this as I did not want a hard hit on my credit reports. She stated " OK, if you change your mind about borrowing money from Lendmark, call us back because we have to do the credit pull to complete and application. '' XXXX later I get a email stating someone had pulled my credit & it was Lendmark. I called and spoke to the local XXXX XXXX. She stated " We did not pull it, it must have been someone else. '' I told her that was not true and it was Lendmark after I told them not to do so. She then stated, " I am not sure how to remove it and will have to contact our home office and call you back. '' XXXX 's local number is XXXX. I also called XXXX and they told me I would have to file a fraud report to get them to assist me with the removal of the inquiry by Lendmark.
07/20/2019	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	WY 82801	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. LENDMARK FINANCIAL SVC LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
03/23/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21227	Web	Servicemember
I currently have a car loan showing up on my credit report with Lendmark Financial because the company combined my car loan with a personal loan without my knowledge. They said that they were helping me lower my monthly payments, but they never explained they were turning the full balance into a used vehicle loan. When the company combined the loan I only had about {$1500.00} left to pay off the vehicle. They made the new balance for the used vehicle loan {$6700.00}. I didn't figure this out until XXXX when I attempted to purchase a vehicle. The company stated that it was used as collateral for the loan, but that didn't make sense because the vehicle wasn't worth that much. The company also stated that the manager that did this no longer works for the company. I no longer have the vehicle and at this point the balance of the loan is {$4200.00}. Which means I covered the cost of the vehicle loan. I will attach the accident report showing that I no longer have this vehicle. The vehicle I am referring to is a XXXX XXXX XXXX XXXX.
03/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 312XX	Web	Servicemember
I purchased one vehicle from these individuals in XXXX XXXX 's little did I know that the vehicle needed a new motor shortly after purchase so I went back to the XXXX XXXX 's office to see about securing a personal loan of XXXX to repair the truck so after getting the loan I had the truck repaired 3 days after getting the vehicle back it was totalled by no fault of my own I did purchase the gap insurance and I was having difficulty making the payment I was told by the manager to let it get behind so I could do a differment so I did now I'm being penalized for something I was told to do I have tried to refinance but to no avail because they refuse to send any paperwork to the bank all the above money due has been reported to the credit bureau and it shouldn't be it all should have been resolved between the gap insurance and XXXX paying the truck off so now they continuously harassing me about making these payments what's really going on are they allowed to just do what ever they want? XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
10/31/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	NC 27106	Web
Greetings, This is my forth loan with lendmark financial. They used my car title as collateral for the loan, but always try not to use the words " title loan '' as it is illegal in NC. So ... on my forth loan the transmission went out on my XXXX XXXX XXXX. I simply can not afford to fix it, pay them {$160.00} a month, and pay for full coverage on my XXXX income. I have never been late not one time and do not plan on it as I understand the importance of good credit, but they are leaving me no choice. I have tried to remedy the situation by speaking with them several times ( at the XXXX, NC Branch ) even asked to do a voluntary repo, but they do not want to cooperate at all. I asked if they could re-fi to help lower the payment, have spoken with credit counselors, advisors, reading over the NC Laws and gotten legal opinions. I am completely stressed over the whole thing. I need a remedy to this mess I have gotten myself into, that will not leave leave flat broke or credit unworthy. Thank you for your time.
07/05/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 31707	Web
I sent this XXXX to XXXX. XXXX/ XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Lendmark Financial Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date XX/XX/23 Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The statement showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. Thank you, XXXX XXXX
10/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web	Servicemember
I had an account show up claiming opened in 2018 at a Lendmark. The account was never authorized by me or paid by whomever opened it. Once I found out about the account, I visited the Lendmark location, provided all the things they asked for, filed a police report, had signed affidavit forms notarized and they advised this would be corrected because the camera recording they had was not me. They even told me someone was calling in each month saying they were my family or POA without any documents and saying I had died. Nothing was removed, instead they begin to try and have me settle and pay something on this debt they knowingly gave to someone in my name that was not me and communicated with another person regarding the account, knowing that it was fraud. It has been removed from all reports except XXXX. This has given me great trouble with gaining loans to finishing obtaining my XXXX XXXX and I have continued to try and get this resolved. The dispute with only XXXX has been denied over and over.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23112	Web
Back in XX/XX/XXXX I was advised that I could refinance my loan and that the past due payments will be reflected as current. I received a new loan in which the 1st payment was due in XXXX and the account has been paid on time. In XX/XX/XXXX, I received a letter confirming that if I refinance my loan, past due payments will be updated to current. However, the account is closed and past due payments have not been updated to current on the old loan as I was advised. The letter is conflicting and misleading because I was told by a representative that it did not mean that the past due payments will be updated, it was stated that the the loan would report current when the new loan was established. But the letter does not state that. The letter states Past Due Payments will reflect current. I have disputed the past due reporting before and was told that the past due payment history will not be updated. Im in the process of purchasing a home and the negative information is hurting my credit score.
07/20/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	CA 90241	Web
I have a loan with lendmark finance, this company does tile loans etc etc. Now when I took out the loan there was no hassles they even tried to come to my hse. Long story short my husband at the time was working in XXXX. Unfortunately we were a few pmnts behind. This ppl had their employees follow him and they repo my car while I was in the store it needed a flat bed to be towed which they didnt use and it caused the alignment and transfer case to get damaged and now the truck wont shift gears. We tried calling their offices and tried corporate we dnt know what else to do please help us also they refinance our acc w out our consent. And I know they did because at one point I worked for them and thats how they do it and they they say its ok we will get customer to sign later. So they find accounts that can be refinanced they refi and then later tell customers to come in and sign and say oh we can help you, you dnt have to make the next 2 pmnts all you have to do is come in and sign this form.
09/15/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA XXXXX	Web
Today, at XXXX, XXXX from XXXX XXXX XXXX XXXX of XXXX GA , called. I was unable to answer. She then called a third party and involved them in her collections attempt. XXXX called Lendmark financial and asked an employee named XXXX to call me regarding the $ XXXX XXXX XXXX XXXX claims is owed to them on purchase of my motorcycle from several months ago. XXXX then called me ( as a third party person ) at XXXX today, to discuss my obligation and responsibility to contact XXXX XXXX XXXX and pay off this debt. My account at Lendmark Finance is current, all payments have been on time or early. I dont have another payment due until XXXX XXXX with Lendmark. So a representative of Lendmark had no reason to call, most especially on behalf of another business. XXXX shared details of a debt with a third party and asked them to make a collection call on her behalf, and on behalf of XXXX XXXX XXXX XXXX. I feel both parties violated rules and regulations and would like to have this matter investigated.
02/21/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28314	Web
I have a vehicle loan with Lendmark financial. They call and harass me even if I 'm only one day late on my payment. Literally only 1 day. I was even called at my work place over {$40.00}. I made all of my payment except {$40.00} ( in advance ). And forgot about the remaining {$40.00} since I had paid so much in advance. When they called my job, they was extremely rude to my coworker, who answered the phone. After that incident I wrote a letter requesting that I not be called at any numbers listed on my paperwork any more due to the harassing calls. I requested that any contact be directly through mail. Which is my right. Since writing that letter I have been called several times. I spoke with a manager and that has not resolved anything. When I informed the calling associate of my written requested, I was asked " Why do n't you want us to call you ''. At this point the harassment is out of hand. I am almost ready to just turn my vehicle back into Lendmark to avoid all of their harassment.
03/12/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 28314	Web
Lendmark Financial continues to harass and send documents labeled as NC XXXX XXXX via XXXX. Is that not considered as fraud? For the previous telephone calls were harassing. Some employee called from their personal phone and then blocked the phone number whenever I tried to call back. The culprits are XXXX, XXXX and XXXX. I am not one of their backwoods customers with a low education level. I will be requesting a telephone log from XXXX to show proof of the amount of times that I was called and also, a request for $ XXXX- {$1000.00} per harassing telephone call. These people need to be approached and held accountable. This has been reported to the credit bureau, even when I caught up my payments, they reported me as still owing back payments. Fraudulent practices! A federal crime was committed by them when using a federal institutions name on a package with their documents inside. XXXX NC does not carry a zipcode of XXXX, nor would a representative come to XXXX NC to mail a packet!
08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	TX 75044	Web	Servicemember
Contacted by XXXX XXXX from a XXXX texas branch. During this call he stated he needed to verif information for the loan. He requested inform such as my landlords name and phone, the name of the apartments I lived, and stated if I didnt give it to him he couldnt provide me with my loan to be processed or offered credit. He stated it was the policy of the company when I contacted the number on the webpage it was supposedly to the corporate office. When speaking with the customer service specialist she informed she couldnt submit my complaint unless I provide her with my name, address and phone number. On the website it states complaints can be anonymous. These individuals continued to discriminate against and bully me for my information through gaslighting and manipulation while also violating my privacy rights to refuse lending for information is not required to establish a loan. When I complained about I further refused resolved and address of these unethical practices and conduct
07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20910	Web
Lendmark company has falsely reported me to XXXX and XXXX that I am owning {$1.00}, XXXX. My records show that I have paid off my loan to this company. I paid off my loan of {$8100.00} on XX/XX/XXXX following some advice by the company customer service staff. On XX/XX/XXXX, I was approached that I owed an interest of {$91.00} which I also paid immediately. My bank account can confirm these payments. I also sent a letter to the office location in XXXX to confirm that I have totally paid my loan, but I did not receive any response from this company. On XX/XX/XXXX, I had a telephone conversation with one of their managers Mr. XXXX XXXX about this concern and he apologized and assured me that he would discuss the problem with his supervisor and get back to me, but he never did. Instead, the company sent a report to credit companies claiming that I missed payments which has adversely affected my credit history. I would appreciate if you could please investigate this matter.
09/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30318	Web
LENDMARK FINANCIAL GAVE ME A LOAN, THEN SEVERAL TIMES SAID THEY WERE DEFERRING MY PAYMENT FOR 1 OR 2 MONTHS, THAT NO PAYMENT WAS DUE AT THE TIME, THEN TURNED AROUND AND CHARGED ME LATE FEES AND EVEN REPORTED ME LATE TO THE CREDIT BUREAUS! HOW CAN A DEFERRED PAYMENT BE LATE? WHY WAS MY ACCOUNT CONTINUED TO REPORT NEGATIVE WHEN I WAS DISPUTING THE LATE CHARGES ( SINCE XX/XX/2021 )?!! WHY WAS MY PAYMENTS REPORTED LATE WHEN NO PAYMENT WAS DUE? LENDMARK WILL CALL ME FROM MANY DIFFERENT PHONE NUMBERS AND AREA CODES, EVEN A TENNESSEE NUMBER, AND I KEPT TELLING THEM THAT THE LATE FEES NEEDED TO BE TAKEN OFF SO I COULD MAKE THE PAYMENT. THEY NEVER REMOVED THEM. THEY NEVER EVEN REPORTED MY DISPUTE WITH THE CREDIT BUREAUS, SO IN XXXX, I STARTED DISPUTING MYSELF. THE ACCOUNT WAS NEVER VALIDATED, AND NOTHING WAS FIXED. THESE ARE JUST A BUNCH OF SCAMMERS TAKING PEOPLE 'S MONEY. I PAID ON THAT FOR ALMOST 18 MONTHS AND NOW THEY SAY I OWE MORE THAN I STARTED WITH, WHICH WAS {$5000.00}.
12/06/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 21207	Web	Servicemember
This is the 2nd complaint for Lendmark Financial located at XXXX XXXX XXXX, XXXX, MD XXXX. This company call me daily and leave messages to call them or else. Now they are calling references ( family members ) telling them about this loan. My sister notified me of the phone call yesterday ( XX/X/2017 ) and she now has blocked them from contacting her as well. I pay this account every month and they still call harassing me for payment even if the account is late one day. They also ask me to make post dated payments, which I refuse to do. Every since I wrote the first complaint about their collection practices, the calls of harassment worsened with intimidation to scare me into making a payment. They call from anonymous phone numbers ( someone name XXXX called from XXXX - I have the recording ). This loan is completed and at the end of the term ( they even sent a letter stating this ), they are harrassing me for interest they tacked onto the loan, fees or extra charges.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27284	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
06/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31601	Web
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by __LENDMARK immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.
03/19/2023	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	PA 191XX	Web
On XX/XX/XXXX, the current account was paid, and the repossession fee has been satisfied. Upon checking my credit report, ( XXXX ) there is a repossession remark, and no updated payment history. A sum of {$1100.00} had been paid, and recorded on XXXX XXXX, XXXX. My payment was never recorded on their system, which constitutes fraud, and theft. These improper and unfair business practices has caused grave harm to my family both financially, physically, and emotionally. Ive satisfied all my pass due payments on the account. They never reported anything to the credit bureaus to inflict harm on my personal credit. I would like to seek a legal remedy as well as a removal of all negative items as they are a direct violation of my federal rights as a consumer. Please protect me. This company has numerous prior class actions lawsuits reflecting their unfair business practices. I received the highest interest rate, with no opportunity to rescind or cancel the loan.
10/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 79905	Web
I received a letter from Lendmark giving me an offer of {$3100.00}. I called towards the end of XXXX spoke to the manager XXXX XXXX. She offered me options but did not want the letter offer code. She later said I did not qualify but they would honor any letter that Lendmark sent to me. This particular letter had an expiration date that passed so they could not honor it. XXXX XXXX told me that if they send me another letter in the future that they would honor it. I did receive another letter from Lendmark giving me an offer of {$2900.00}. I called the local office on XX/XX/XXXX. is spoke to the manager but she did not want to honor the promo code. On XX/XX/XXXX, I put the offer code on their website ( lendmarkfinancial.com/personaloffer ). After doing so the website result stated that the promo code expired. It is not supposed to expire until XX/XX/XXXX. It appears that Lendmark is using deceptive trade practices and does not stand behind it's offers.
05/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75204	Web
I reached out to the Lendmark Financial office in XXXX NC on XX/XX/XXXX requesting a full payment history for my loan. My original loan number was XXXX which was then transferred to XXXX and after Lendmark opened a new branch my loan # became XXXX. I requested a full payment history along with all loan origination documents. The branch told me they were not able to provide me with any of my payment history prior to XXXX of XXXX. The online system only allows customers to go back 2 years. Since XXXX of XXXX i have paid a total of XXXX to Lendmark and I am trying to verify that these amounts are correct. I believe that Lendmark has been taking advantage of me and other customers by overcharging in interest and also not appropriately providing payment information and loan documents to consumers. I want my loan either marked as paid in full and the rest of the balance dismissed or I want Lendmark to present all the current documentation I have requested.
09/30/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 20165	Web
I took out a loan for {$3100.00} in XXXX XX/XX//2017. I have been taken to court for {$280.00} late fee. Threaten to take to court for {$70.00} partial payment. Lendmark Financial Services is threatening court and taking folks money not even 30 days late. This company uses employees to go to court as attorney, an abuse of the law. This company needs a audit of their practice and tactics to strong arm. I have had my account t number changed two times and concerned that this company just wants to take folks to court. My debt is monthly {$140.00} and this debt should have been marked paid in full The interest rates over usury laws in Va and so forth. The number of complaints and threats of court and the account is not over 30 days late is abusive practices in lending to consumers. Finance charges are high and this company is a threat to consumers. Please send in testers. Lendmark Office that is abusive XXXX XXXX XXXX XXXX, XXXX, VA XXXX.
10/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29016	Web	Servicemember
A loan amount from Lendmark Financial appears on my credit reports in which the debts does not belong to me. I have contacted the creditor on several occassions explaining to them that I have been a victim of idetity theft for over 21 years and that the listed fraud account account thats reporting to XXXX, XXXX, and XXXX does not belong to me and to please remove it at once. I spoke with the manager at the Lendmark home office ( XXXX XXXX ) and she advise me to send her a copy of a police report and a photo copy of my drivers license. I complied to her request only to find myself in a whirl spin though if it seems none of the documents are n't good enough. She complaining that the police officer did not sign of on the report, or the police officer spelled her company name wrong or my identification is too dark. This has been very time consuming and very stressful. It would be greatly appreciated if you all could assist me in resolving this matter.
12/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30311	Web	Older American
I am sending this letter on behalf of XXXX XXXX XXXX, my mother, who has been hospitalized with a severeXX/XX/XXXXXXXX for the past 2 weeks. She was recently released and recovering from home. She has an outstanding loan with your company and requested the XXXX forms. She also requested that the branch stop auto debits. Instead of sending said forms, your local branch attempted to coerce my mother to refinance the loan. Then today, they informed her that she would need to come in to get the XXXX forms. This is unacceptable and is tantamount to an unfair and deceptive practice. I will taking power of attorney over her affairs until such time as she recovers. I am certain that the media, the State 's Attorney General and the CFPB, would be interested in knowing that your employees are engaging in the types of unfair and deceptive trade practices ; that is impededing customers with serious health conditions from filing XXXX claims on their loans.
04/27/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 27870	Web
I purchased a XXXX XXXX XXXX in XX/XX/XXXX a month later the motor blew out. And found out that XXXX XXXX was shut down for embezzlement and fraud. The vehicle was financed through Lendmark financial agency. I tried to contact the corporate office, and I feel as though I shouldn't be held responsible for the car, and I think that XXXX XXXX knew that they sold me a lemon. I'm a struggling man on XXXX, and I'm not getting any service out of the vehicle, and I repeatedly told Lendmark financial agency to come and get the vehicle. I have told Lendmark financial agency when the vehicle broke down, to come and get the vehicle, and they refused to get the vehicle, because they knew the vehicle was inoperable, and now they are telling me that the lien, and now they are telling me that they do not know who has the lien on the vehicle, and it was released from Lendmark financial agency in XXXX. And now I don't know what's going on, what do I do?
10/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20874	Web
On XX/XX/2016 I took a personal loan with Lendmark Financial Services in XXXX VA for {$2500.00}. The loan was for 36 months at {$150.00} a month payment. I have never miss a single month payment, I only have 1 or 2 at most 3/4 days late payment that I call them in advance for. I was told by the Virginia office representatives that as long as the late payment is less than 8 days I will not be charged late fee. I also changed my due date from the XXXX of the month to the XXXX and I was told that I will not be charged a fee or interests. I was told many times that my last payment date is XX/XX/XXXX. All of a sudden theres a {$250.00} extra in my loan that they can not explain, even the Virginia agent was surprise and confused about the extra fee. The Virginia agent called and tried to explain the extra {$250.00} but he could not clearly articulate why theres an extra {$250.00} on a loan that supposed to have only {$150.00} balance.
11/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 245XX	Web
I have been having financial issues and I had worked out something with them before but things did n't go as planned for me and I 've talked to XXXX a few times and told her that I was n't sure when I would be able to pay. I know that I owe and I had an issue before with them calling my work and also calling my references and my dad. I told them not to call my job or the family but yet they are still calling my references and family and also telling them why they are calling and telling them that it 's because I have n't paid my loan. Not only is this a breach of privacy but it is embarrassing for me beacuse I do not want anyone knowing about my financial difficulties. I am extremely upset but the things that have went on with this company. I 've submitted a complaint against them before for this same reason and apparently it was never resolved and I do not appreciate the blatant disrespect for my wishes by the employees there.
09/22/2017	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Information is missing that should be on the report	OH 44313	Web
On XXXX XXXX, XXXX a lump sum payment of {$1400.00} was made to Lendmark Financial Services. The following month we ( XXXX and XXXX XXXX XXXX received a statement indicating there was a system update and they could only provide us with the next scheduled regular payment. This statement did not indicate the most recent payment of {$1400.00}. In XXXX XXXX, XXXX XXXX received a XXXX XXXX notification that the XXXX account had been removed from her credit report. In XXXX XXXX she contacted XXXX because her credit report had not been updated. The clerk at the local office indicated the problem would be rectified. As of XXXX/XXXX/XXXX the account is being reported with an incorrect balance of {$2900.00} with the last date reported as XXXX XXXX. The last payment indicated is XXXX XXXX and the status of said payment is unknown. The amount reported is not indicative of the lump sum payment or the subsequent XXXX and XXXX payments.
12/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	PA 17701	Web
I am currently off of work due to hospitalization and needing to have XXXX. I do not have a return date, have no income until my short term XXXX is approved and comes through. I called this company to see about a deferment, they advised me no assistance due to not having the current loan opened for 6 months, okay, we told them we may have the funds Friday, they asked me to pay on Thursday and stated it won't clear until the XX/XX/XXXX, kind of asking me to overdraw and make a charge on my account with funds I do not have. Per the loan agreement I am supposed to have a 10 day grace period however what the rep relayed to me was I needed to pay the XXXX or it would be reported late because my payment was due on the XXXX. That is 3 days. It does not matter the due date a grace period is offered the same must be offered to all customers and this did not seem to be the fact what was being told to me. This is unfair practices.
03/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75241	Web	Servicemember
I have asked Lendmark Financial numerous times to stop reporting erroneous information to all three major reporting credit bureaus. I have done this by telephone, direct disputes through XXXX XXXX, and XXXX, and certified ( signature confirmation ) mail etc. Every single time they have told me that they are reporting factual information. This is not true since every report shows payment history completely different than the other. As you are aware, payment history constitutes about 35 % or your FICO credit score. Lendmark financial has an obligation to report factual information by law by terms outlined in the FCRA. I don't know how else to get through to them, the Credit Bureaus have not done anything on their behalf to even assist me with getting documentation from Lendmark that shows accurate payment history. I have had a home loan declined because of the severe impact of Lendmark financials improper practices.
10/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	AZ 85712	Web
I took out a loan with Lendmark Financial. Due to financial hardship, I was not able to make payments. I reached out to XXXX XXXX XXXX and enrolled in their program. I was told by an employee at Lendmark that they do not work with XXXX XXXX XXXX, that if I could not make payments on the loan that I would be taken to court. XXXX XXXX XXXX said that what Lendmark is telling me is false, that they do work with this company to settle debts. When I reviewed my file on XXXX XXXX website, Lendmark is listed as an account they are working to resolve. I was advised by XXXX XXXX XXXX to advise them to stop calling me or they would be reported to the FTC. Lendmark is continuing to bill me and have now resorted to trying to contact me at my place of employment. They have not offered to negotiate. I have insurance on this loan but payments are waived only under conditions of unemployment. I have been lied to and harassed.
11/25/2020	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	MD 21206	Web
This account has been reappearing on my account for some years now. I have made several attempts to resolve this issue and this issue still has not been resolved. I have also contacted each credit bureau and this issue still has not been resolved. Under the credit reporting laws this is to be removed from my credit report. I have sent 609 Letters a total of 6 times. This is a old resolved and closed account, If the collection agency does not have a reason to report this to the credit bureaus it should be removed. If they do see that it is an accurate credit reporting, I have been asking for all supporting documents be sent to XXXX. Lendmark Financial Account # : XXXX Date Opened : XXXX Account Status : Closed 1st Letter : XXXX 2nd Attempt via dispute online : XX/XX/XXXX 3rd Letter Follow Up : XX/XX/XXXX Final Attempt : Called all Bureaus and Company and I received no help with resolving this issue.
09/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30058	Web
Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of XXXX XXXX Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.
07/20/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 91001	Web	Older American
I am a victim of a predatory loan. I bought a used XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX. I was told that with interest my total out of pocket would be approximately {$6300.00}. I signed the paperwork with Lendmark Financial as my loan provider. My monthly payments are {$230.00} which I have paid faithfully. Due to the pandemic, I was laid off from my job as a XXXX XXXX XXXX with XXXX XXXX XXXX. I called Lendmark to request a temporary moratorium while I wait for unemployment thinking I had very little left to pay on my debt. This was when I was informed that of the $ XXXX monthly payment ; that only {$63.00} a month was being applied to the principal. I was never informed during the initial sale that more than 50 % of my payment would be applied to interest. I am a XXXX year old man currently on a fixed income and this loan is creating an unnecessary hardship. I was duped by Lendmark Financial.
08/25/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Did not receive car title	NC 278XX	Web
I purchased a car from XXXX XXXX XXXX on XX/XX/XXXX and the car broke down on XX/XX/XXXX. I was given a loaner car which resulted in my son and I being very sick, we stayed in that car until the end of XXXX in which they finally had fixed my car and gave it back to me. I was able to drive my car about XXXX weeks before it started to break down again, the car has been at XXXX XXXX XXXX for about XXXX weeks now unfixed. I rented a car from XXXX XXXX on XX/XX/XXXX in which I just found out that XXXX XXXX XXXX XXXX XXXX XXXX ) owns the rental place as well in XXXX NC and I was stopped last night when I got off work from XXXX I was on XXXX XXXX when the police told me that the tags on the XXXX XXXX XXXX were expired and there was a warrant for the owner XXXX XXXX arrest. I returned the car this morning and they tried to get me to pay for the car as well as pay for another car so that I could rent it.
02/03/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WV 254XX	Web
I have a loan with Lendmark financial and I have been paying more than minimum for more than 2 years. I called the the company for my pay-off quote and they told me the amount. I quickly made the payment. Few months later they called me and told me that I was still owing them. I went into their office and they saw something they called a glitch in their system. They promised to look into it, but in the time been, we had an agreement that they would be calling me to make minimum payment to avoid credit issue. I have been making the payment to agents anytime they call me, while waiting for the result of the inquiry. I found out that they have reported a late payment on my credit that has bad effect on my credit. I do have the print out they gave me from the office. When I called the office they were surprised to know that their office reported me to the credit bureau. Please help me Thanks XXXX
07/05/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 32224	Web
I have been disputing this account for years. The account was opened in XX/XX/XXXX and was paid in full. I have never received communications that they were attempting to collect a debt or notified of any legal rights that I have to dispute the debt. I have not been provided proof that I owe the debt. Worse of all they report that I last made a payment XX/XX/XXXX which is not true in any way shape or form and extends the statutes of limitations of the time this loan can be reported for an another almost two years. I ask that they show proof of a payment that I made on XX/XX/XXXX or remove that date from the report, I ask that they show proof that they sent written communication of an attempt to collect a debt and that they can validate and did validate that I owed it. This is not a valid debt and the reporting dates of payment is wrong, the debt is paid, and I ask it to be removed.
09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27834	Web	Servicemember
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
07/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30045	Web
I RECEIVED A NOTICE FROM LENDMARK STATING I WAS DENIED A LOAN WITH THIR CONPANY. THE IRONY IS I DON'T EVEN REMEMBER APPLYING FOR THIS LOAN. I AM REQUESTING A COPY OF THE LOAN APPLICATION. IF I APPLIED FOR IT IT WOULD HAVE BEEN ONLINE AND NOT IN PERSON. IN ADDITION 1, MY NAME IS XXXX XXXX 2 . THE LENDMARK OFFICE WAS IN XXXX. 3. SOMEHOW I RECEIVED A DENIED VIA EMAI BUT, NO EMAIL WAS PRIOR COMMUNICATION. 4, THE LETTER CAM IN A BROWN UNOFFICIAL ENEVELOPE WITH NO USPS PROCESSING INDICATORS. THIS APPEARS TO BE A SETUP IF I DID NOT APPLY WHICH, I A, SURE. AGAIN MYNAME IS XXXX XXXX , I DO FEEL THIS IS ANOTHER PART OF A RING BACKTRACKING TO BUILD A ID THEFT CASE AFTER THE FACT. AND THE DATES OF THE COMMUNICATION DOESNT MAKE SINCE. APPLY EARLY XXXX JUST GOT LETTER??? INTERESTING TIMING DUE TO THE REPORTS WHICH WERE FILED OVER THE LAST 2 WEEKS BASICALLY CONFIRMING THE ID THEFT,
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 272XX	Web	Servicemember
I notified Lendmark financial on Tuesday XX/XX/2023 once I notice a few hard inquiries. I applied with lendmark a few times but the sites states will not affect credit score which I will provide that. I called and spoke with someone in disputing. She stated that when applying it's a hard pull online and I stated your site says WILL NOT AFFECT YOUR CREDIT SCORE. I begin to pull up site and read it to her. After the conversation she states I would just dispute it. I was confused because I stated that's why I'm calling because this is the disputing line. Lendmark financial has false information on their website and states it want affect which would be a soft inquiry but unfortunately it's a hard inquiry and I wasn't aware until now. Lendmark financial need to make customers aware of this and remove that it wont affect credit score because it drops it points for checking it.
07/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91342	Web
I'm currently struggling on paying some bills so I went to XXXX XXXX company which helps out people with different creditors to settle on a certain amount so I don't have to pay all of it back. They are currently trying to settle with Lendmark and I understand why they are calling me constantly to make a payment because I haven't but I had already told them to not contact where I work and they continue to. I find it disrespectful and thank XXXX I haven't got fired because they call almost everyday. I had spoke with a lady at Lendmark telling her to not contact me at work and she has other people calling from Lendmark and she should of passed the message to them as well. Also, they contacted my mom the other day asking to verify my employment and I don't appreciate that. I'm waiting till they settle on a agreement but until then I don't want them to contact me at work.
04/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 278XX	Web
I took out a loan with a buisness while I was actively working, to date I have been out of work due to this horrific COVID19 virus, not sure when we will be able to work, i am a XXXX that does XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX and it does require us to go on the inside of the homes. I took this loan out XX/XX/XXXX, I called them as soon as I wsa laid off around XX/XX/XXXX or XXXX, I asked them if we could please make a deferrment or allow me a forebearnce. I also told them I was not quite sure when I woudl get back to work as for the information I had recieved, i was goinng to have troulble making alot of bills, wasnt quite sure what to do but hoping they would umderstand what out President had mentioned and little understanding. Im not home due to a lack of not tryihng, I would like to have a deferrment or do away with the loan.
02/02/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 92503	Web
My monthly is payment is due the XXXX of each month. According to the comp at a grace period is provided, however the company begins to call on a daily and multiple times a day before the payment is due. According to them they need to start collecting payment before the due date. Additionally when they call after the due date, they indicate a payment is due before the end of the month, which is before their grace period, otherwise it's negative reporting. This lender has also called references on my application, again before the grace period is up. This lender will not take a payment arrangement. They indicate they need my banking information right than and there to make the arrangement. I have previously spoke with their store manager and he has informed he is not sure why these are the calls I'm recieving, however the calls have resumed.
05/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29485	Web
I have contacted LendMark Financial directly as well as the 3 credit bureau 's. I have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.
05/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29485	Web
I have contacted LendMark Financial directly as well as the 3 credit bureau 's. I have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.
11/22/2017	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30093	Web
I called XXXX back in XXXX and ask them to put on file not to call my job. The debt owed to them will be paid through Debt Couseling service ie XXXX XXXX XXXX XXXX. Correspondence was sent to them via mail. Theses people are relentless they have called my job everyday disclosing personal information. They have recently just yesterday XXXX/XXXX/17 @ XXXX in the morning. Told the receptionist Give me the address we are get ready to garnish her wage They have also called my friends and family and pretended to be my bank representative. I couldve filled bankruptcy but I want to pay these people. They have also reported this to the credit bureaus to hurt my credit and to black ball me. I was told by XXXX XXXX relief not to talk with them after asking them not to call my job. I trust that this issue will be handled in the appropriate manner.
06/14/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93245	Web
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my Credit Report. Account Name : LENDMARK FINANCIAL SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my Credit Report. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my Credit Report. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my Credit Report. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my Credit Report.
04/27/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92020	Web
XXXX XXXX mos ago ( End of XXXX ) ..I contacted a company who I thought still had my file altho credit report showed XXXX bal tried to get title..they informed me that debt had been sold altho I was never notified... was referred to another company & then was referred to a Law firm in XXXX... they NEVER sent me letter they had file ... When I contacted them I kept asking why I was never notified... all the representive said was " You can make an arrangement or I put the vehicle out for XXXX now '' ... I felt I had no choice to make an arrangement but they never answer the phone when you call..Have been trying get ahold & only able to leave msgs for over a week..One representative finally called me back... But at XXXX ... And also I am in XXXX & They are in Washington State... They claim they are a Law firm ... XXXX XXXX XXXX
02/03/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 22408	Web
Landmark- I called to make a payment and XXXX XXXX advised me that I was prequalified for an additional loan amount of {$5100.00}. I advised her that I had a loan that was place in collections and paid. She advised me if it came up in the process I could send her proof the account was paid. I advised her that it had affected my credit score. She then told me as long as my credit was at a score of at least 500 I would be approved. I called back to review the information and told I was denied because of a late payment which was from their company for a payment while my account was deferred. She also stated my credit was below the minimum required which currently is a XXXX. I advised her that this contradicted what she originally shared with me and that it was deceptive and predatory. She had no other information to offer me.
07/17/2017	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	VA 22401	Web
I was contacted by the lender and told i was eligible for a {$3000.00} increase. She asked me if i rent and what my monthly rent was. I advised her i had just refinanced the loan. She stated I was eligible for an increase and asked if I wanted the full {$3000.00}. I advised her that I did not want my payment to go over $ 300 monthly. She stated she would call me back after she processed the paperwork. She never obtained my permission to pull my credit. The next morning she advised me the company declined to extend the credit. I advised her I had discussed the fact that I had just refinanced prior to her offering an additional loan. She advised me I was eligible for the loan but the company declined. I have received a copy of my consumer report with a hard pull from the lender. I have contacted the office to report this.
12/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MD 21502	Web
Took a loan out with Lendmark, inc. I decided to take the loan and several other bills and consolidate them together for one payment. The company used for consolidation is XXXX. Everything is set up, signed and first payment made to XXXX. In return Century contacts creditors about this new arrangement. Lendmark Financial was told of this consolidation but continuously calls myself, friends and family members all day long five days a week. Lendmark even sent an email to Human Resources at my place of employment, and the email stated they found the email address on a website. They DID NOT have permission to ever contact my place of employment. I do have a copy of the email. They usually call from their office in XXXX, MD, but recently have been calling from several other numbers. This is harassment and it needs to stop.
02/17/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 92870	Web
I called Lendmark Financial and advise them that I had made a {$350.00} payment towards my loan on due date of XX/XX/2022. I adv. the representative helping me with call that I wanted {$280.00} applied towards my regular payment and rest {$60.00} towards principal only. I was advise that could only be done if I call someone over the phone and instruct them to apply it that way or to walk in the branch and pay there and have them applied that way. My issue is why can they apply the payment I already paid through them via phone application the way im asking. I feel like they are steeling from us consumers with already high interest rate well over % 35. I also called corporate to resolve this and all they did was xfer me to a supervisor the branch location where I got my loan. Manager was not available for my complaint.
05/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30189	Web
on XX/XX/2019 i recieved an iquiry from XXXX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. on XX/XX/2019 i recieved an iquiry from Lendmark Financial S. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.
03/02/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77845	Web
This company keeps adding information to my credit under different names. Lendmark financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX are all the same! They are now on my credit report twice under two names. But, are also listed under the above named companies as well. They have been harassing my family, and have called impersonating the people at the XXXX County Courthouse, telling me I've been sued and that I have a court date. They have also called me and told me they were suing me and I needed to be home between 3-5 on XYZ date to serve me papers. I was home, and no one showed up. This company is using UNETHICAL tactics to try and get money and have been readding their accounts to my credit under different names and messing up my credit. I do have a voicemail that I can email to you as well, as proof.
05/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29485	Web
I have contacted XXXX XXXX XXXX XXXX directly as well as the 3 credit bureau 's. I have requested that this lending company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. My I have maintained copies of these notarized letters and dates. Your assistance and investigation of this matter is greatly appreciated.
05/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 44121	Web
On XX/XX/XXXX and XX/XX/XXXX, the Consumer completed an online credit application providing 2 accepted credit cards ( the Consumer 's Social Security Number/Card and the Consumer 's Driver License Number/Information ) pursuant to 15 U.S.Code {$1600.00} ( m ) to the Lendmark Financial Services LLC for the purpose XXXX obtaining money on credit. After completing the application the consumer was both a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code {$1600.00} ( p ) and was " discriminated against '' by the Lendmark Financial Services LLC pursuant to 15 U.S.Code {$1600.00} ( a ) ( 3 ). Furthermore, the Lendmark Financial Services LLC has obtained the consumer 's, consumer report under false pretenses pursuant to 15 U.S.Code $ 1681q and without permissible purposes pursuant to 15 U.S.Code $ 1681b
03/14/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	GA 30331	Web	Servicemember
I had an account with Lendmark Financial. Upon obtaining a loan from Lendmark Financial I setup automatic payments to be deducted from my checking account. As of XX/XX/XXXX I was coming up to my last payment which I figured would be deducted like all other payments. That final payment wasn't deducted and I didn't realize it until XX/XX/XXXX. I went online to Lendmarkfinancial.com check the status of my account. It showed the last payment amount as late. So attempted to make a payment online. The system error popped up and advised the system wasn't available. Tried to make a payment on several occasions and got the same error. Then late XX/XX/XXXX I noticed Lendmark Financial put negative remarks on my credit report. I contacted Lendmark Financial on several occasions via email with absolutely no response.
12/04/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web
This is in response to XXXX, attached is a federal trade commision report as well as a rescission notice and documentation of full faith in credit that I have from the federal government that will be used in the litigation process. I do not care for the vehicle nor the fraud that was placed on my consumer report I do not wish to retrieve the vehicle that was unlawfully stolen from me. I have zero interest in going back and forth about you all stealing my property due to a billing error on a extension of credit pursuant to 12 cfr 1026.13. I will be seeking monetary compensation for the damage that have been done. You all arent in compliance of regulation z, and regulation f. I hope you all understand the severity of the nature of this issue. I do not wish to be contacted via non written communication.
04/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 19040	Web
XX/XX/2020 XXXX XXXX made contact with about payment I stated I did not have the payment and would call him back I am XXXX late or 2 months late XX/XX/2020 XXXX XXXX attempt to make a contact with me again but I could not answer as I am an essential worker. He then moments after called 2 of my friends and family members. He did not leave his name or his contact info. I then called him back on my break he asked for payment I stated I would pay it on Thursday. {$170.00} he said that's fine and then you won't owe I Payment until XXXX as he offered me a deferment .... ..after getting more details from the calls he made to try and understand his course of action I called back to lendmark and asked what there corporate number was, which he also said he could not find and wasn't sure of an external number.
01/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77450	Web	Older American
Email Scam, unrequested documentation to sign for ACH payments. From : XXXX XXXX via XXXX XXXX which is the XXXX country code To : XXXX which is probably a fake, diverted email. Notice the " double XXXX '' in name. Message : " All parties have completed Please DocuSign : Recurring ACH Enrollment Form. Lendmark Financial Services thanks you for your business! Included herein is an ACH Enrollment Form, please carefully review, fill in banking information, and sign electronically. Upon completion, you may print the document for your records but you will also receive a copy of the agreement by email. If you have any questions, please contact our branch. Alternate Signing Method Visit DocuSign.com, click 'Access Documents ', and enter the security code : Available to Law Enforcement Upon Request
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 95127	Web
Lendmark financial called me to make a payment. I told them ok ill pay it off now. I was told by the rep who called me she didnt know how to take payment over the phone. I asked her for payoff amount and she gave it to me and someone will call me back. When they called me back i was out of town due to a death in my family. I called them back and let them know I will call them as soon as I am back home to pay. They agreed. When I returned home I called to payoff and received a higher payoff amount and was told it was a new rep who gave me wrong amount. After I paid that is when I realized they reported me paying late after agreeing I would pay when I return. Given that I paid off {$4000.00} at one time after given that payoff amount. I am hit with another {$100.00}! They should be investigated!
06/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30052	Web
I open an account with Lendmark Financial, XXXX, GA XXXX, in XXXX 2015 for {$5000.00}. Today, I called and ask for my payoff balance and the manager XXXX stated my payoff is {$4900.00}. She further stated the reason why the balance is still high is that when I paid two or three payments in advance I should have still made payments the following months so the interest would not continue to accrue. She also stated I was charged late fees of {$30.00} from making payments 1 or 2 days after due date. This is unacceptable because when I initially open this account I set it up for automatic debit. As of today, I have paid over {$2300.00} plus late fees and my balance is {$4900.00}. Your assistance is greatly needed and appreciated in this matter because I really do n't want to ruin my credit.
04/06/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30045	Web
This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.
01/19/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 21044	Web
I owe a debt to Lendmark Financial Services. We have already been to court in the past because I was behind on my payments. Most recently, my account with XXXX XXXX has been hit with a garnishment hold of around {$4500.00} on XXXX XXXX, 2017. I have contacted Lendmark Financial to see who I should speak with to get current with my payments. They directed me to their lawyer. I have contacted their attorneys at XXXX XXXX XXXX Attorneys at Law located at XXXX XXXX XXXX XXXX XXXX, MD XXXX multiple times to explain that if the hold is removed from the account I will be able to make good on my past due payments.I have received no response from them after leaving several messages. There have been other garnishment attempts by Lendmark Financial on other accounts that I have as well.
12/31/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 28314	Web
The company is Lendmark Financial in XXXX NC. These people, especially XXXX and XXXX call everyday, even on Saturday. I explain to these people to expect payment soon, as I am trying, to catch up. They then begin to lecture me in paying. What you will not do, is lecture and expect payment as well! I am not a child! Every day they are calling me! If this continues, they will owe me {$500.00} per call. I will continue to charge them until the loan is forgiven. I took a second job to get caught up. If I do not answer my phone, these people continue to call. It is not a game nor a joke. This office even has the main office in XXXX NC calling me. This office is in XXXX NC. This stops here. If these people continue to call, I will consider that harassment and take further action.
12/19/2022	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	AZ 85296	Web
I applied for a loan on XXXX XXXX to see what my options were without affecting my credit. I was suggested a company called Lendmark financial while on the phone with them I was just inquiring about a loan and did not want my credit pulled. I looked up companies that did soft pulls without applying for a loan and they were one of the companies that came up. After speaking to the representative they told me I could see how much I could get approved for without a hard credit pull, because I was very specific I did not want a hard credit pull. I hung up from the representative and after discussing with my wife I did not want the hard inquiry on my credit report. About 30 minutes later the representative had called me and told me my credit had already been pulled.
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75052	Web
Lendmark financial illegally furnished information to my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer to protect my non public personal information were violated by Lendmark Financial. Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
10/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30076	Web
Lendmark Financial- Attempted to make first payment on loan through XXXX bill pay. Called for the address and was given the wrong address by their customer service team. My bank let me know that the money had not been paid over a week later. So I called again and was given a different address so I resent the payment I received a notice for a fee for cancelation of payment a month later. By that time my wife and I had both made a payment and provided the bank information to Lendmark. I have sent the escalation manager several emails and submitted an email via their online complaint portal and have received no response. I have called again and have not been able to reach the manager I spoke to initially. Are you the correct org for this type of complaint?
12/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 286XX	Web
On XX/XX/2019, I applied for a loan with Lendmark Financial in XXXX NC. Location address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NC XXXX. During the loan application process, Predatory Lending was exhibited by the Store Manager. He failed to review the APY ( Annual Percentage Yield ) and added on services without approval. The loan was paid off on XX/XX/2019, there was a credit due back to me and the Store Manager advised the refund check was mailed on XX/XX/2019. However, after waiting 2 weeks I went to the location and they had only mailed out the check on XX/XX/2019. Even though they knew I was entitled to the refund, they refused to provide it to me in a timely manner. I know this is in violation of the Equal Credit Opportunity Act ( ECOA ).
06/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 94117	Web
I have been paying my loan off on time for the last 4 years with Lendmark Financial. My balance was {$170.00}. I processed my last payment online today and scheduled it for tomorrow. Due to issues I have heard about pay off practices with this lender, I decided to give them a call and confirm that all my obligations will be satisfied. I was then told that i will till owe money and that the amount listed is not what I actually own. I tried to speak with the manager and express concerns about irregular practice in which the information online and over the phone are not correct, and I was told that it is all in my loan docs! I have heard that a lot of other customers had the same issue with this lender and this is why I decided to submit my complaint.
06/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30701	Web
I was only 2 weeks past due and an employee left me a voicemail and then when she thought she hung up she said " I am going to call her at her job '' a girl in the background said " who '' and then she said " XXXX XXXX XXXX '' I have the recording of her saying this. I then called them back and stated I was filing for Bankruptcy and then an employee told me that she would still garnish my wages if I did n't bring in a payment. They have called me every single day and left me voicemails. I just now have turned into a 30 day account and they are collecting on me like I am over 180 days. I work for a XXXX company as well and that is not how you treat customers. Especially ones who have always been current for 2 years and have just run into a hardship.
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19139	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/11/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	AL 368XX	Web
2 weeks after i purchased the vehicle in XXXX 2014 the motor blew up. I then had to take out another loan to replace it even tho i purchased a warranty which was denied when i was trying to have the vehicle fixed.Neither the dealership ( XXXX XXXX XXXX in XXXX al ) or the finance company ( lendmark financial ) resolved the issue. I was told it was my responsibility. I have nothing but issues with this vehicle. I have been behind because of the issues with the vehicle. The solution was for the finance company to rewrite the loan so i could pay for it or not fall behind. I stiil owe thousands more than this vehicle is worth so i cant trade it it. Pretty much they point their finger at the other company and tell me its my problem.
10/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91042	Web
I am filing this report because I discovered that I've been an identity theft victim and informed all the required parties. I told the credit bureaus and informed the creditors I suspected they were fraudulently reporting on my credit report. After deliberation, the creditors were notified and are aware that the accounts they are currently reporting to the credit bureaus are fraudulent and do not belong to me. I contacted the collection companies and informed them that the version resulted from fraud and identity theft, and they needed to remove it from my credit report. They have ignored my request. At this stage, my credit is being harmed by these derogatory accounts and collections and must be removed from my credit report.
09/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA XXXXX	Web	Servicemember
I took out a loan with XXXX in XXXX for {$3000.00}, I have paid {$1600.00} in payments since and they say my balance is {$2400.00}. They say I am delinquent and they are going to take legal action against me if I dont pay in XXXX days. I got a statement in the mail from XXXX that is dated XXXX/XXXX/XXXX and it says I owe {$130.00} on XXXX/XXXX/XXXX. When I told the XXXX person on the phone about this they said they just send those out they dont really know if you have paid or not. I just paid {$220.00} on XXXX/XXXX/XXXX. They never give you your balance unless you ask for it and when you say why can you see your statements online or your balance they say it is under construction. Is this loan legal in Virginia? If it is why?
09/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20746	Web
Back in XXXX I applied for and received a loan from Lendmark Financial located in XXXX Maryland in the amount of {$6500.00}. As of today, XXXX, I am still owe over {$7000.00}. All of my payments that have been made are being applied to the interest only. I do not believe that is fair business practice to consumers and I believe that it is up to our elected officials to stop this unfair business practice and put a stop to lenders who out to only steal from hard-working consumers. It is really hard today with extremely high cost for just about everything. I have reached out to Lendmark to make a settlement offer but they refuse to accept a lower amount. I want to take them to court and start a class-action suit against them.
02/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94124	Web
I took out a personal loan back in XX/XX/2019 amount given to me directly was {$5000.00} when I applied for this loan I was not aware of their hidden high interest fees plus this company added insurance to the loan. It has been 3 years now paying every month {$210.00} and until todays date still paying for it. I have made a research about this company and all I have heard there is a lawsuit against them and I want to be part of that lawsuit agains them. How can you help me they are really taking advantage of consumers. I have called them to speak with someone about it and all they tell me is to keep paying but I just cant be giving them more free money for their high interest fees. I am not happy with it. Please help
04/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20716	Web
I called last week on XX/XX/26 to let them know that we are not working due to the Corona virus and need some sort of relief for the month of XXXX and XXXX. They said that we have to wait till XX/XX/XXXX and they can send us an email for some sort of deferment and fill out some paperwork. They said XXXX needs to be due for them to send the email. I NEVER RECEIVED THE EMAIL. I specifically asked them if we were going to be reported late and they assured me we were not. They reported us late for XXXX. According to the Government they are not allowed to do that because of the CARES act. THEY NEED TO REMOVE THE DELINQUENCY ASAP, I WAS NEVER LATE WITH THIS COMPANY AND BECAUSE OF THIS MY SCORE DROPPED 14 POINTS!!!
06/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	VA 23234	Web
Back in the beginning part of XX/XX/XXXX I reach out to the regional of the office never got a response back so I had to keep calling the area manager and new area manager finally called me back she stated that she never got my message. Her name is XXXX and I stated to her that I was given wrong information about my account when I made the payment they applied it to the month of XX/XX/XXXX not XX/XX/XXXX so its showing on my credit report that Im in 30 days late theyre telling me that they can not go back and change it and I told him yes you can because I was given the wrong information I have tried on several occasions to have this matter rectified and to have it reporting correctly on my credit report.
04/03/2023	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	PA 191XX	Web
The above named account t had been brought current, or paid up to date on XX/XX/XXXX. They never reported my payment to the account, nor to the credit bureaus. They are purposely ruining peoples lives by repeatedly ignoring federal and state laws protecting us from such actions. They are furnishing inaccurate. Invalidated to all XXXX credit bureaus including XXXX, XXXX, and XXXX. My car is not in reposession, and I demand that it be removed as soon as possible as its is a violation of 15 usc 1692g. This also constitutes fraud amongst other federal and state violations for abuse of credit reporting etc. Congress created these laws to protect consumers. Can you guys protect me? Or are they above the law?
12/09/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
07/21/2023	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	MD 20743	Web
Accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 16 U.S. Code 1681a- Definitions, rules of construction Exclusion-Except as provided in paragraph the them " consumer report '' does not include-any report containing information solely as to transactions or experience between the consumer and the person making the report. 15USC 166B : A Creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.
06/24/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28208	Web
Requested Do not call on all phone numbers on account XX/XX/18, Company has continued collection attempts through phone calls, has left several voicemails. Spoke to a manager at the branch, XXXX XXXX, she initially admitted fault and apologized for the continue phone call. XXXX used the exact words " we made a mistake ''. XXXX stated she would have her manager give me a call back at the end of the day. Spoke to XXXX again, only to confirm the manager 's information that I would be expecting a call back from later, XXXX became very upset and confrontational, raised her voice, denied any fault in the situation after already admitting fault. States either you're going to pay your loan or you're not.
05/01/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37130	Web
It is XX/XX/2019. Lendmark Financial has called me 20 times in the last 5 days. They have been calling and harassing me for the last two months on average of 4 calls per day. I am in a debt settlement program and they have been notified to contact my representation, XXXX XXXX, for inquiries, but refuse to. They have threatened to sue me even though I have made 3 payments on my account since XX/XX/2019. I am a little behind, but the amount of contact I have received from this company is highly unprofessional and extremely harassing. I am considering suing Lendmark Financial for breaching the U.S. Fair Debt Collections Act of 1978 as well as filing a Protection Against Stalking / Harassment.
09/10/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 806XX	Web
Monthly payments are being made to Lenmark Financial @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I understand they are coming in late, this is no excuse. They have not been more then 30 days past due. The issue is that I get repeated phone calls from an employee by the name of XXXX. He leaves voicemails that are threatening collection tactics. I spoke to a manager months ago about an extension after the payment was made. Never went through. I make my payment each month, again I fully understand that its late I try my best not to go over 30 days ( which I have never done ). I do not want this type of employee calling me in this manner ever again. Voicemail of last message is attached.
08/04/2017	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	NC 278XX	Web
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.
07/05/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 398XX	Web
I am on XXXX and I fell on hard times and I'm trying to catch up on all my bills and I speak to a representative one day and the very next day another representative calls me and the next day another one caused me sometimes two and three times a day after we have already made arrangements to come in. They're calling in all time of the day and all the time of the night. They have a very rude and bad attitude and I'm just sick of them calling me so much when I told them that when I get paid and I have enough money I will bring them a payment. They act like they don't hear me the first time and they called again and another one called again and it is really getting annoying and harassing me
12/01/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	SC 29801	Web	Servicemember
I received something in the mail from them for a preselected offer XX/XX/XXXX I called them on XX/XX/XXXX to get a loan and they told me that there was an auto decline the branch manager told me this.. I advised her what the law was and she stated that she gets trained on this and that I don't understand what the law states even though on your website says that denial of credit is considered discrimination you stated that she will not but does not have the ability to reverse the decision.. XXXX XXXX XXXX Branch manager also stated that they get trained on this every year which means she knows what the law is and decided not to rectify the situation after I pointed this fact out to her
03/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23234	Web
Hello, I have reach out to lendmark Financial on several occasions about some late payment. They was there mistake. And now I have received a letter in the mail, but unfortunately the envelope was address to me but the letter had someone letter inside so someone has all of my personal information and I have there, that just go to show you that lendmark is doing stuff wrong on so many level. No other customer should have anybody personal information. and I have poof. So at this point I am requesting that those late payment be removed from all three credit reports. If lendmark can make a big mistake like this now I am very worried about my personal information going to another customer.
08/07/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	GA 30038	Web
lendmark financial has been approached by us about lower payments due to the stress of changing income source.XX/XX/19 they lower the payment {$30.00} per month, added two insurances that we don't need, and did another hard pull again on our credit report too. that did not help that much. payment is XXXX now for an 2007 XXXX that has been sitting due to it is not safe to drive anymore for more than six months. we still had to obtain another vehicle just to get back and forth to work. rent is XXXX now, lights, insurances, groceries, credit cards and the children supplies. 35.99 % daily is entirely too much. we are drowning trying to keep our credit for a first time car loan.
11/03/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CO 802XX	Web
I had an arrangement with Lendmark I lost my job and then they did not contact me nor did they try to work with me. I than I had contacted them nurmous times to try to make an arrangement they would put me on hold and they would not work with me. They sent me to collection agency which I found out in XX/XX/31 that an office was going to my mailing address and my former employer. I had not had any type of correspondence from either of the companies now I have added interest and legal fees that I don't feel I should have pay if I had no correspondence from them. I feel like this is unfair and they are using gray areas of the laws to charge the anomus fees to the consumer.
05/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 283XX	Web	Servicemember
i am sending this in dispute of lendmark financial. now i find the new interest rate on a loan to be over 37.47 %, they also claim they explained the loan terms to me. yes, but they did not disclose the interest rate to me. they never do and i never paid it any attention until now and now i am concerned. Plus they kept sending out new loan invitations back to back in the same month to me in my emails. i was supposed to wait six months before this happened but it didnt, so they baited me into getting a higher loan amount which is strange and weird. loan companies should be reprimanded for doing that to customers and getting them higher interest rates and more debt
10/22/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93313	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LANDMARK FINANCIAL SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
02/14/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 368XX	Web
I am currently enrolled in a debt settlement program. I notified the debtor, Lendmark Financial at the time of enrollment and provided the information to the company. On XX/XX/22, I received a call from XXXX at Lendmark to discuss my account. I informed her that I was enrolled with XXXX XXXX and she stated that the information was notated on the account. At the end of the conversation, I asked XXXX politely to not call my job again and to contact me via my personal cell. Less that XXXX minutes later, I received a call from Lendmark again, XXXX was the caller. I asked them why are they calling my job after I specifically just asked them not to call me at work.
10/25/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NC 283XX	Web	Servicemember
the company is lendmark financial. i recently asked the company if i could borrow up to {$800.00} to help me catch up on my mortgage payments. the lady informed me she would send it to underwriting to be approved. she informed me that if she didnt get a hold of me the day i applied for the loan, she would call me the next day. but she never did call me back. at least give me a courtesy call. i do not appreciate their business and shady tactics and i had my bank put a stop payment on them from taking money from my account. they could have at least given me a call back or something whether i was approved for the loan or not. but that's ok as a XXXX veteran
07/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93307	Web
I recently settled my account for less than the full balance. The company agreed that they would report this correctly on all of my credit reports after 30 days. However, through XXXX they have recently reported that I owe the previous balance of {$5500.00}. In addition, my XXXX report shows {$0.00} balance ; yet, it still reads " charge off '' when it should read " settled for less than full balance '' in the remarks section. They agreed to settle for {$1600.00}. It is now XX/XX/XXXX, almost 90 days since I have settled with them. I completed settlement payment on XX/XX/XXXX, and I expect my credit reports to accurately reflect the current information.
03/03/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 24502	Web
On XX/XX/XXXX Lendmark Financial Services reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the XXXX breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either Lendmark or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.
11/04/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC XXXXX	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDMARK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
10/28/2021	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 95608	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
06/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21040	Web	Servicemember
I ALREADY SUBMITTED A COMPLAINT NUMBER XXXX AND WAS TOLD IT WAS SENT TO THE COMPANY LENDMARK AND I HAVE ADDITIONAL INFORMATION AND EXPLANATION TO SUBMITT. THE PAYMNET HISTORY INDICATED A MALST PAYMENT IN XXXX.. I AM XXXX VETERAN AND HAS BEEN GOING THRU XXXX AND XXXX WAS IN XXXX 2016. WEHN MY WIFW ENT INTO MAKE PAYMENT SHE WAS TOLD THERE WERE NO MORE PAYMENT DUE BUT UET WE WOULD RECIVED LETTERS INDICATING OTHERWISE AND WE ARE FAXING XXXX LETTER WHICH INDICATES A XXXX BALANCE DUE AND ITS VERY CONFUSING. THE FINACIAL READINESS PERSON AT THE XXXX ADVISED US TO CONTACT YOU. IT APPEARS THE COMAPONY IS CHOSSING TO CHARGE OTHER THAN THE XXXX INDICATED
10/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 795XX	Web
I got my loan in XXXX XXXX Texas. It got transferred to XXXX tho. When I was offered to refinance. I couldn't because my income from my loan was not what I submitted. I had never seen them before showing I made so much more than I really did. XXXX tons them I got paid cash. And now I'm stuck in this loan and if something comes up. I can't ever refinance if because the XXXX XXXX branch Lendmark financial made fake income verification for me just to book a loan. In fact I know quite a see people who are in the same boat as me. We all got our loans in XXXX XXXX Texas too. Told us so much lies to get it on top of fraud. Now we all screwed.
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX and XXXX. XXXX, XXXX, LENDMARK FINANCIAL S add a hard inquiries on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
04/26/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28120	Web
My now ex-spouse and I got divorced during the divorce all the auto were to remain with her both truck and suv. She accepted full responsibility for these loan which she turned and filed in a chapter XXXX. The divorce Judge signed the agreement. The lender refused to delete the negative loan from my credit reports and I disputed showing all my legal paperwork and the CRA have yet to update. I have emailed and contacted the lender with no response. I am still being hurt from this past with her even though I have legal paperwork showing I am not to be held accountable for these loans! There are two different lenders involved.
11/18/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29605	Web
Recently my payments on my personal loan with Lendmark Financial has went into default. I still try to make at least one payment until I can get caught up on all payments. Recently I wrote Lendmark a letter asking them to stop contacting me by phone and to contact me by mail because the phone were 3 to 4 times a day every day after that I was served with XXXX Court Papers so now they are claiming no payments have been paid and they want the payoff balance. The only notification I received about this action was letter in the mail from the Court. Lendmark only sent me the next month statement and a letter to defer my account.
01/08/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	PA 15221	Web
lendmark sold contract to this company the name of this company is called XXXX XXXX XXXX stating they were going to do a civil suit out against me with no legal documents I haven't receive anything since XXXX that's when the loan was taking out when I spoke to lendmark they didn't know had my contract and was trying to make me do the payment through them when I finally found the company they sold to when I look on my credit report the name was XXXX XXXX last report on credit report XX/XX/XXXX, dispute reason was the contract related to this account has been cancelled the results were deleted XXXX has deled the account.
01/24/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 417XX	Web	Servicemember
XXXX lendmark financial contacts me and informed me that none of the electronic checks they have turned in have not been paid and they have already destroyed my credit and were threatening to sue me, so I contacted my bank to inquire if they had been paid my bank statement reflected payment to them when they turned it in on the correct date they were not paid on some dates because they failed to turn in to my bank and want me to pay for it that's not going to happen I have retained a attorney and going to file breech of contract with courts they're also charging me XXXX different interests rates is that legal
09/19/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NC XXXXX	Web
I have been paying on this loan which seems like forever for instants last month after paying XXXX and some dollars the balance was XXXX and within no time its back up to XXXX and saying I owe XXXX and some dollars when the loan is only a month behind so it should only be {$200.00} the current month due in the one behind Also when Ive tried to pay it off over a year ago, it will only allow you to pay {$200.00} at a time when you try to speak to the people in the office all they do is scream at you and tell you theyre going to repossess your car. I thought car title loans were illegal in North Carolina.
04/08/2021	Yes	Mortgage Other type of mortgage	Closing on a mortgage	SC 29020	Web
A 2nd mortgage was taken out in XXXX at lendmark financial. Sold to XXXX XXXX XXXX which paid off lendmark. They never released the lien from my title & now I'm refinancing & they won't get me the release paperwork to clear the title so I can close on refinance. I called XX/XX/XXXX ... said they would check on it. Today XX/XX/XXXX I called back they just put in work order when I called today. Simply not doing their job for years.. now i can't close on new loan due to them ( lendmark financial ) not doing their job in the first place. Ridiculous business practices & no one knows anything ... please help
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93612	Web
XXXX XXXX XXXX Balance Owed : {$570.00} LENDMARK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27407	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
03/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 27909	Web	Servicemember
My due date for the loan is the XXXX of every month but I do n't get my retirement check till the XXXX which I fall in the category of making the payment before the 10 day Grace period. The problem is that every time I make my payment, all of the payment is going towards interest and none to principal. Plus the loan balance is increasing. I have complained and question why all of the payment is going to the interest and none to principal and they says that everyday my payment is late causes more interest. I will think this company is taking advantage of poor people and something needs to be done.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TN 371XX	Web
I have 5 inquiries made on my report from loans and credit card applications that I did not make. Someone had stolen my identity and I didnt realize it until I received a XXXX XXXX card that I did not apply for I then called and canceled the card and started to see notes about loans being applied for and made a XXXX report to see what all was created. I noticed they was all made on XXXX and the accounts are as follows Lendmark Financial, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX and XXXX XXXX. I would like these marks removed from my account and the amounts closed please.
09/09/2022	No	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	VA 23225	Web
Lendmark Financial has been calling and sending mail to my mothers house about a previous car that I had. I constantly told them when they called to stop calling me as I was dealing with health issues ( XXXX and Covid ). They continued to call and ask for small payments even though I was not working and I stated that to them. last certified letter that they sent was on XXXX XXXX. They have also sent letters stating that they were going to sale my car even after me telling them I was going to pay them once I got back to work. They sold my car after almost a week after sending the letter.
09/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 27263	Web
Lendmark Financial in XXXX XXXX, North Carolina. I currently have a loan out with them. I started getting phone calls on the first due date of the loan. I am only 30 days late and i get daily calls from them. They have also called my 3 references and left them daily voicemails. Harassing me about payments. Today they threatened to take action against me. Im going to pay them. Im just getting caught up after having to pay for daily summer care for my XXXX boys who have XXXX. I will never get a loan from this company ever again. And I recommend everyone to avoid this company for a loan.
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23434	Web
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting XXXX, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 1. ) XXXX XXXX XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00} 2. ) XXXX XXXX XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}
08/26/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30324	Web	Servicemember
LENDMARK FINANCIAL CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION, CALLING ME REPEATEDLY BEFORE XXXX, AND AFTER XXXX, EVEN CONTINUOUSLY THROUGHOUT THE DAY. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT LENDMARK FINANCIAL COULD RAISE OR LOWER THE CREDIT RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE LENDMARK FINANCIAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT
12/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27262	Web
I am continuously and repeatedly receiving collection calls for a debt that is not legally mine. The collector/caller/creditor, XXXX, with Lendmark Financial has suddenly took it upon himself to call my place of employment on XX/XX/2018 at XXXX. The call is recorded along with the voicemail. I have spoken with XXXX before and advised him to not call me regarding a debt that is not legally mine. He has alternatively called me from private numbers, and from other non- business numbers. This is harassment. This is not my debt. This debt legally belongs to my living relatives.
05/24/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	NC 283XX	Web	Servicemember
I reported Lendmark financial to the nc department of justice around XX/XX/XXXX of XXXX they have not responded to my previous cfpb complaint and they have not responded to the complaint i filed against the nc doj XXXX i am reporting them again because they closed out the previous loan and now they are showing a different one with a different account number. this is very unethical and strange. I reported XXXX XXXX to the nc doj today as well because i just found out that my interest rate with the loan i have with them is over 46 percent and that has to be illegal
11/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC XXXXX	Web	Servicemember
Monthly statements do not display current interest rate or breakdown as to how much of monthly payment is principal versus interest. I have written to the company asking for the interest rate of this installment loan, and requesting the XXXX interest rate reduction - but, my correspondence has been ignored. I am a reservist who has been on multiple periods of XXXX XXXX orders since getting this loan ( for an HVAC replacement ) ... But, the company ignores my requests for information about XXXX interest rate reduction. Account : XXXX Please help. Thank you.
08/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL XXXXX	Web	Servicemember
I received a Notice of Lack of Prosecution and Dismissal of Case on Date Certain on XX/XX/2022. I was never given any proper notice of their intent to sue with a court date of XX/XX/2022. There was no reasonable attempts made to contact me regarding the alleged debt prior to them pursuing legal action. As of XX/XX/2022 I sent a letter ( XXXX XXXX # XXXX ) requesting validation to Lendmark Financial Services, as I do not believe I have ever done business with this corporation. Their reporting inaccurate information to my consumer report and defaming my character.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 435XX	Web
On or about XX/XX/2023 I requested that XXXX conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however XXXX was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. XXXX was not able to validate the debts but yet said they had.
05/16/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32828	Web
On XX/XX/2020 I sent this company a cease and desist letter which they did reply on XX/XX/XXXX that they received it and will honor my request. This company has called me 29 times since then also leaving multiple voicemails on the same day. On XX/XX/XXXX XXXX and XXXX left two voicemails, on XX/XX/XXXX XXXX and XXXX left two voicemails, and on XX/XX/XXXX XXXX and XXXX both left messages as well. This is considered harassment especially after I sent them the seas and desist letter. His company is in violation of that and Ill like To make a formal complaint
02/22/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 20743	Web
I have an installment loan with Lendmark Financial and I experienced several issues with the company drafting the payment from my account when they were supposed to. This resulted in my account being delinquent. I then got my account back on track and the same issue occurred again. Lendmark Financial filed a court case against me and placed a judgment on my credit report. I feel that I have been paying the loan and should not have a judgment while paying. The judgment amount is inaccurate as well. The judgment is {$12000.00} and my balance is {$8400.00}.
03/25/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85120	Web	Older American
I am behind in my payment to Lendmark Financial Services. I spoke with then 2 weeks ago and explained the situation and that I would make a payment as soon as possible. they continue to call multiple times a day, leave me messages and now are calling my references. I spoke with XXXX today who was rude. When I told them to stop repeat calling and to stop calling my references, I was told they had every right to keep calling and will continue to do so. I told her 3 times to cease calls, she said they will not. I advised this is unfair collection tactics.
10/30/2023	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	KY 40403	Web	Servicemember
I submitted a complaint a couple of days ago due to the number of calls that were being made to me during the week ... after this complaint I set up a payment arrangement and have it scheduled to be directly withdrawn on XX/XX/ in which my account will be due for 34 days. The very next day I received I phone call from the company from the company line, and 3 hours later I got another call from a cell phone number that is registered to an employee with their company. I have a payment set up and there is no reason for them to harass me to this point.
09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web
Lendmark Financial is posting an account on my credit profile that i have no knowledge of nor has the company followed any of the procedures set forward in the fair dept collection act which states that i should have been notified and had a chance to dispute any collection attempt before posting to my credit profile, I believe this account was opened fraudulently and would like the company to stop posting to my credit report as the is a violation of my rights under the FDCRA and FCRA, attached is a police report as i am a victim of identity fraud
10/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	KY 412XX	Web
I took a mortgage loan out in 2009 and the company was bought by three other loan companys. I had expectional payment history until my mining job shut down. However, my credit score is suffering because even though the two other companies shut down and the third company took it over, I still have it in my credit from all three companies as if it is three different accounts, even having different account numbers. I have filed a dispute to have these other two companies to delete the duplicate negatively reported information and they fail to do so.
01/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 207XX	Web
years ago i opened a loan with Lendmark. Prior to 2015 the account was charged off and placed with XXXX XXXX XXXX. I have called and documented at least 4 calls between this office and myself offering to settle the matter. I was told on multiple occasions to call back. I recently received some type of asset verification letter which i found to be offensive considering ive been trying to reach them to pay. Ive even called lendmark directly to try to resolve this issue. The attorney is non responsive and does not assist in the collection of debt.
12/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD XXXXX	Web
I was a victim of identity theft and I notified the company involved. ( Landmark Financial Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.
03/25/2023	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	AZ 85282	Web
XXXX XXXX, XXXX AZ. Reporting false information, sending unauthorized information to other creditors, will not speak to me why are they providing misinformation to creditors and credit bureaus, bad company, lots of bad experience from current and previous clients. Forced High interest increase and false late fees without notice in the mail. Loan was at {$6000.00} in 3 months {$8000.00} false reporting. Defamation of character. They blow up my phone for payments, but do not notify me for increasing fees and interest. Company is fraud.
02/13/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	WV 26501	Web
I've had this loan since XXXX. I've paid consistently on it for 5 years but the interest rate is so high it never goes down. I haven't owned the car this loan was taken out for since XXXX. It was a lemon so i went upside down on it. Even though I've consistently tried to make payments on this account it is no longer worth it with the harrasment i receive from them. They call me 30 times or more per week.. 7 or more times per day. I've tried refinancing through them but they give me an even higher interest rate. Somewhere around 27 %.
10/14/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 390XX	Web	Older American
Have had numerous phone calls from Lenmark loans, They are located in XXXX XXXX XXXX They keep calling to try and collect a debt from an employee that works for me. I have asked that they stop calling my business and they continue. I have asked to speak with a manager and they hang up. When I called back they said the manager is out and have refused to speak with me. The employee that made the loan is part time and is about to be fired because of the phone calls and other reasons. I would like to file a lawsuit if that is possible.
09/07/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 286XX	Web
I applied for a loan with Lendmark Financial. Upon them obtaining my employers information I informed them I was not allowed to have personal phone calls of any kind. Informed them just to leave a message with my other contact number and I would get back to them. My supervisor sent me an email advising me that a representative from Lendmark Financial has repeatedly called asking for me to return his call. Specifically the email was received on XXXX. I have also received texts and phone calls from my supervisor over the same matter.
06/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 31061	Web
I have repeatedly contacted this company to correct my late fees as they call them. In the beginning I had problems with them talking to unauthorized members on my behalf which is illegal. I paid every month until they continually added late fees that were not justified. I feel they did this so I would not be able to pay the loan off. I am very upset with this. I have tried numerous times to have this handled. They also call me at least 14 times on any given day to bully me. Never to talk and try to handle it. I do not understand.
03/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	MD 210XX	Web
On XXXX XXXX, 2015. I received a call from XXXX XXXX of Lendmark Financial regarding a personal loan debt. XXXX calls my cell phone at least 3 times a day, sometimes back to back. On today when he called me at work, I immediately told him to call me on my cell and when he did he immediately started using an offensive tone and was very rude. He was yelling very loudly. Unfortunately we had a very inappropriate call. He was unprofessional, nasty and very rude and condescending. I have never been harassed like this before in my life.
07/26/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	ID 833XX	Web
I have enrolled in XXXX XXXX XXXX as an alternative to filing for bankruptcy. I have notified Lendmark Financial that I am enrolled in the program and to contact XXXX XXXX XXXX as they are handling this financial case. I have asked them on 3 separate occasions to NOT call me at work. I asked them on XXXX XXXX, 2017 at XXXX XXXX to not call, again on XXXX XXXX at XXXX XXXX, and again on XXXX XXXX, 2017 at XXXX XXXX to not contact me at work. I am in jeopardy of losing my job. I 've asked them REPEATEDLY to contact XXXX XXXX XXXX.
03/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	PA 191XX	Web
I spoke with XXXX, branch XXXX, and told me that in addition to pass due balance fees, that I would be held accountable for repo fees. Upon completion of payment for the loan, and additional fee of {$410.00} was added to the repossession after the agreement was paid ; forcing me back into default. I never received a letter stating impound or repo date or letter stating any fees regarding a key purchase, of {$410.00}. This is unfair practices under federal law. Please investigate these deceptive practices. 12 CFR X ( b )., c.
12/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23434	Web
I XXXX XXXX entered into a consumer credit transaction with Lendmark Financial Services, LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. This means there should be no separate fees associated with this consumer credit transaction beyond the amount financed. Pursuant to 15 USC 1640 ( a ) ( A ) ( i ) I should receive compensation for twice the amount of the finance charge shown as {$6500.00}.
10/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 21244	Web
My name is XXXX XXXX and I am having problems with Lendmark Financial Services. I was summons to go to court and my attorney requested information from XXXX attorney for which they could not produce so the courts recommended they settle the account with us. The information was given to the XXXX attorney and they still have not contact my attorney and this is getting to be absolutely ridiculous. Also if my attorney was unable to obtain the proper information directly from their attorney how are the bureaus getting information?
09/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21040	Web	Servicemember
ATTACHED IS A COPY OF THE DISTRICT COURT COMPLAINT FILED XX/XX/XXXX WHICH INDICATES ON XXXX UNDERLINED INDICATED IN THE SETTLEMENT AGREEMENT ALL ATORNEY FEES WERE INCLUDED IN THE XXXX PAYMENT AND THE LAST XXXX PAYMENT WAS MADE ONXX/XX/XXXX AND WE CURRENTLY ONLY OWE THE XXXX NO LATE PAYMENTS WERE ATTACHED TO THIS FIGURE ON THE STATEMENT AND THE ONLY REASON THAT XXXX WAS NOT PAID WAS BECAUSE LENDMARK KEPT ASKING FOR THE ATTORNEY FEES WE HAD ALREADY PAID AND ALSO THE XX/XX/XXXX PAYMENT SHOWED NO LATE CHARGES WHICH IS ATTACHED
07/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MD 21234	Web
I am writing this complaint in regards to Lendmark Financial. Lendmark completely violated my privacy by contacting one of my references, and telling that person personal information about my account status. Lendmark didnt even try to contact me or myself, who are both on the account. This is absolutely unacceptable and should have NEVER happened. Furthermore, I have already told this company that Im in the process of filing bankruptcy. Ive attached the text message received from thw reference that lendmark contacted.
02/14/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29687	Web
I, XXXX XXXX entered into a consumer credit transaction with Lendmark Financial Services on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Lendmark Financial Services made me purchase insurance separately. Lendmark Financial Services also did not disclose/provide information concerning my right to rescission as defined in 15 usc 1635.
10/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	VA 23234	Web
I have contacted this company Ill several occasions to fix the problem the only amount that is due is for XXXX so theyre not even reporting the correct balance and theyre reporting in accurate information when I spoke with the branch manager went today he told me that they dont report until the end of the month and that they report it wrong so it needs to be fixed the next step. I will write a letter to the president of the company and I will contact the media for a new story investigation. I do have Proof all payments
12/29/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	DE 19711	Web
Lendmark financial keeps harassing me daily with phone calls and voicemails in regards to a loan for a repair that was never made. They even filed court action against me but didnt show up to court and non judgement suit was ruled in my favor. Yet even on weekends and holidays they are calling me still. They are a scammer company. Reviews from XXXX XXXX XXXX have informed me of other cases just like mine. I want them to leave me alone. Since XX/XX/XXXXthey will not stop calling me and its extremely disrespectful.
01/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 731XX	Web
The problem is with the statement procedure. For over 2 years, mailed statements only include regular payment amount due. Statements have not had ANY information regarding amounts paid towards principal or interest, payments made, loan pay-off amounts, etc. for this length of time, statements have the words “under construction” pertaining to the lack of information. Online access is extremely limited; unable to update personal information, and payment due is vague (does not show past due dates, only amounts).
01/18/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29605	Web
The branch office filing lawsuits in magistrate court to collect on accounts that are 60 days past due. This is a breach of contract. I went to court on XX/XX/XXXX then 5 days letter I received a letter dated XX/XX/XXXX letting me know that my account had been transferred to the collection the department. Due to the fact that the branch office was claiming a payoff higher then my balance I have to appeal the judgement by the court. They are taking all customers to court to collect higher payoff then what is owed.
11/30/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	PA 194XX	Web
I received a vehicle title loan a week later I was laid off the loan had insurance as if I were to loose my job I was covered - I submitted the information meantime covid hit I became homeless and lost my mailing address. I did not receive any mail from this company nor towing company to make me aware they were repossessing my vehicle My car was repossessed on XX/XX/2020 the lendmark financial says if I give them {$300.00} its the towing company thats charging {$650.00} for repossession Please help me XXXX XXXX
08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	MD 20748	Web	Older American
I agreed to be a Co-Signer for my husband 's car loan. I am retired and my income is from Social Security and Pension. I presented proof of income statements from both my Pension and Social Security however the Loan Consultant for Lendmark Financial Services still demanded I present a copy of my checking account monthly statement to show a receipt of my pension payment. I did not think this was legal or necessary however, to avoid having my husband 's loan application being denied, I presented a redacted copy.
11/10/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NC 27012	Web
Beginning in XX/XX/XXXX until XXXX 2017. My wife and I have been notified by mail and we understand that we owe Lendmark Financial. The number of times they call her at work, on her cell, call my cell repeatedly and our home number is unacceptable. It is an all day every day calling process and I would like for it to stop. I have talked to someone once before about calling me at work. It has since stopped, but calling multiple times a day at my wife 's job, calling our home and or cell phones is too much.
07/15/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NC 28025	Web
Tile loan was paid off XX/XX/XXXX and I have not received title for trailer. When contacted they stated they did not have title. DMV contacted and stated Lendmark was lien holder on title and has not released lien. Lendmark contacted again stated they did not have title that XXXX never sent it back in XXXX. I just want title for vehicle that has been aid off since XX/XX/XXXX it is now XX/XX/XXXX. Unable to sale due to no title and lien holder still on title. Lost income due to financial institute.
12/29/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 95116	Web
XX/XX/XXXX My complaint is that my lender has not provided me with a complete monthly statement since taking over my loan. XXXX XXXX was my original lender. in XX/XX/XXXX, the company XXXX XXXX purchased XXXX XXXX. When the new lender took over I stopped receiving monthly statements with details like ending balance and how much of my payment went to primary loan and how much of it went to interest. We are now at the end of XX/XX/XXXX and XXXX still ca n't print the information on my monthly bill note.
04/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20747	Web
I reached out to the company about paying off the balance in XXXX. My Balance at the time was XXXX dollars. I was told I could not pay the balance off because of legal fees. However, I have not been delinquent with this account since 2016. In XXXX my credit report notified me that XXXX increased my balance by XXXX. They added this amount with out me taking out another loan. I fear that this company is trying to keep me in debt to them. This was a 6 year loan and this is the sixth year. Please Help me!
05/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77064	Web
Lendmark Financial is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.
10/06/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS 388XX	Web
I have a loan with Lendmark Financial located in XXXX, XXXX XXXX I have a grace period until the XXXX of each month, but Ive received a phone call everyday since XXXX and 3 times today XXXX from XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is very stressful as I am already dealing with health issues. A payment will be made today, I understand the contract I signed I dont need the harassing phone calls making my condition worse than it is.
08/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NC 283XX	Web
I currently have a open loan with a company called Lendmark.They called everyday some time twice a day and insist I make a payment or they will take me to court. I have not answered my phone but the call my friend and his mother telling them to have me give them a call. I was behind two months and have actively been paying what I can to get catch up. XXXX. I was sitting at home with my electric out trying to come up with a way to pay it and a rep from Lendmark came to my home asking for money.
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31909	Web
I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
02/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93033	Web
Took out a personal loan with Lendmark Financial Services in XX/XX/2017. Since, the statements we have received does not include payment information, interest charge or balances, only how much more we should send them for that month. Every time we call they are saying that they are working on fixing the problem, but it has been since the inception of the loan. Their practice is deceiving as we don't know how much of our payment is going to interest and how much is going to payoff the loan.
10/26/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 207XX	Web	Servicemember
Went to a local auto sales lot and picked out a car and applied for a auto loan through their website. Loan vendor is Lendmark Financial Service located in XXXX, MD. Asked for $ XXXX. Was approved for the full amount at an ridiculous rate of 21.99 APR. I have good credit, great work history and well above avg salary. Later that same day I applied at my local credit union and was approved for the same loan at 3.99 APR. I am complaining because I want this type of predatory practice stopped.
02/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	PA 191XX	Web
A debt validation letter, along with a cease and desist letter had been issued to the company above. They continue calling me disregarding they cease and desist, as well as repossessed my car without responding to the debt validation letter. I would like to enforce my right to resend this contract, and retrieve my vehicle, title, and money paid towards the alleged loan. Please help me. I have XXXX children. I never received the letter as giving me the option to resend the contract.
08/11/2022	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	CA 91326	Web
the company Lendmark financial services made an arbitrary change of location of the store without my consent also their application stopped working and they gave me a phone number so I could look for the solution in which they do not have staff to help in XXXX and when I call them They only behave rudely and put me on hold on the phone and they don't want to expose me to the store manager, they claim that the location to which they sent me is better for me without consulting me.
10/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	SC XXXXX	Web
XX/XX/2021 {$4100.00} This company report bad information on my credit report without my knowledge. I never gave this company permission to obtain my credit. 1692e, entitled False or Misleading Representations, states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Further, section 1692e ( 2 ) ( A ) prohibits the false representation of the character, amount, or legal status of any...
04/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91762	Web	Older American
My finance company Lendmark Finance sent a letter stating it was updating their statement, that was over a year ago. The statement they have been sending only states the monthly amount due and does not include the interest paid. I have contacted the XXXX branch and all they can tell me is they know and it's still be updated, I sent a message on-line to Lendmark and inquired about the problem, I was never contacted. At this point I don't what I am paying in interest every month.
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28546	Web
I have attempted to contact Lendmark several times attempting to address this loan ; however they are unable to locate or provide any information concerning this loan that they are reporting on both credit report. I would like this information deleted and removed from my reports as they are not able to locate and provide needed information concerning this account. I have spoken to supervisors who never called me back to provide any updates on account to see if it was found.
03/31/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37129	Web
I have a loan with Lendmark in XXXX TN. I signed up for an insurance product ( unemployment insurance. ) it was explained to me that if I lose my job my payment will be covered for 3 months. I called and was denied the service after rightfully paying for it for 7 months. I was told to come in and refinance my account and the TILA boxes nor the new contract was properly explained. I felt cornered to sign and accept the terms so that the creditor does not tarnish my credit.
02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 191XX	Web
A debt validation letter had been sent via certified mail, alongside a cease and desist order. I was never given a copy of my right to resend letter either, granting me the right or not. I would like to enforce my right to resend this contract, and for my title to my car be returned to me. I would also like to file for damages because my credit report is reporting inaccurate/invalided information as well. Please help! My consumer rights are being ignored, and violated.
06/13/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AZ 85335	Web
I have a loan with Lendmark Financial Services. For at least a year I have been asking for a monthly statement that shows current balance. Each time I am told the " process '' is under construction. I also expressed on serveal occasions my balance goes up and not down. They crafted some form of a statement that was very confusing. Is is not required to get a statement with due date, payment due, and current balance??? Are they not required to show current apr?
06/21/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 283XX	Web	Servicemember
Lendmark financial keeps sending me promotional ads for loans after I told them to stop doing so and to stop contacting me. I currently have a loan with them, a personal loan. they would send me promotional ads for loans in the past as well. i reported them to the nc doj recently and they were told not to contact me. they also reported duplicate accounts on the credit report. i got a promotional ad for a personal loan today in my email. they are violating my rights.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19050	Web
I took out a loan with Lenmark financial and I defaulted on the loan Lendmark financial then sold the debt to XXXX XXXX XXXX XXXX. I settled the deck with XXXX XXXX XXXX XXXX and they gave me a settlement letter the account on my credit report is still showing derogatory and charged off I filed a complaint with consumer finance. XXXX XXXX replied that they reported the status of my account to the creditor. Lendmark has not updated my credit report to show settled.
11/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 81212	Web
Monday XXXX XXXX, 2020. At XXXX XXXXXXXXXXXX. my mom had tried to pay her loan at Lendmark financial services LLC. They asked her a couple of questions, and proceeded to run a hard inquiry on my credit. Once I was notified that something had happened to my credit I checked and it had said my XXXX score had dropped XXXX points. I called them and they were trying to say that it isnt going to matter. They also tried to blame a different credit union for the mishap.
05/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
02/19/2022	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	SC 29303	Web
I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX XXXX = XX/XX/XXXX Lendmark Financial S XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX
08/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA XXXXX	Web
I have a loan with LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
01/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 15401	Web
it began XX/XX/2022. I applied for a stove at carmines appliances. I was sent to Lendmark and they took my information over the phone. I waited over thirty days to find out if I was approved. I went to the store, and they said that I would have to call Lendmark. I made that call to find out that I was not approved because I needed my sister 's income because mine was not high enough. I did not give my sister permission to use my identity or my income.
10/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30318	Web
I have asked the company a number of times to stop reporting late payments which was false ; there was originally supposed to be a deferred payment, and payments were reported late. Then there was dispute of the account, the time during which no late payment was supposed to be reported. This account continues to be reported late, in violation of consumer protection laws, and the fair credit reporting act. This has went on since XX/XX/2021 to present,
05/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55038	Web
I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.
04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 401XX	Web	Servicemember
This account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 238XX	Web
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
04/01/2019	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28086	Web
The date was XX/XX/2019. And the loan amount ask for the vehicle was XXXX XXXX dollars and +.I inquired about the vehicle at XXXX XXXX in XXXX N C. I do bussiness with XXXX XXXX XXXX in XXXX NC . Instead XXXX call XXXX XXXX XXXX in XXXX N C. And XXXX specifically ask for a man name XXXX. I was handed the phone without the knowledge that it wasn't XXXX XXXX XXXX in XXXX N C. I also did not authorize XXXX to contact Lendmark to check my credit.
06/18/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 806XX	Web
Repeated calls continue from this company, they are calling my relatives for being 3 days past due. Needs to stop. I have placed a complained before and they continue doing it. They call 5 - 7 calls per day on my phone and wife 's phone. I am making my payment each month, not on time however, never past 30 days, I asked for help before they did not do what they say they would. They just want to make sure they numbers look good that's all.
11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29687	Web
In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604, A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	NC 27909	Web	Servicemember
I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me
07/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	NC 28451	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open and consumer credit plan late for any purpose.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28451	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without any written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
02/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 15239	Web	Servicemember
In accordance with the Fair credit reporting act XXXX to lendmark financial services has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 B A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94122	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
08/22/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32246	Web
XXXX has been non-compliant with removing the unverified account LENDMARK FINANCIAL S which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that LENDMARK FINANCIAL S was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 usc 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 778XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
06/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85042	Web
I have contacted LENDMARK on XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and LENDMARK, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to LENDMARK to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
07/31/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30101	Web
REF XXXX, Lendmark has violated the Equal Credit Opportunity Act and has discriminated against me. I exercised my right in good faith under Title 15 by stating the various ways that that Lendmark has violated Federal Law and then I pull my most recent credit report and they have charged off the account which is now another negative mark. This constitutes discrimination and they are liable to violating yet ANOTHER Federal Law.
08/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 208XX	Web
The loan is with LendMark Financial. I received a letter to settle this but decided to evaluate the handling of this loan first. I responded to the settlement letter and requested my payment history. I discovered my payments were not deducted properly and I still owed a larger balance than I should have. I have not anything further from LendMark since I requested the payments I already made be used to settle my account.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30331	Web	Servicemember
In accordance with the fair credit report act this creditor has violated my rights. Under 15 US c 1681 section 602 states I have the right to privacy. 15 US c 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 US c 1666B a creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose.
08/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MD 21742	Web
Identification of status to company LENDMARK FINANCIAL SERVICES cooperate office with billing errors with IRS pub. U.S.C. and UCC commerce and trade understanding with honor on UCC and was rejected and negotiable instruments with stipulations was deposited TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 16 CFR 433.1C 433.2 433.3 TITLE 12 USC 1431 12 USC 411 18 USC 8 HJR 192 73-10 ( CHAP 48.48 ) UCC 3 -603 306 311 501 502 104
05/29/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33578	Web
Lend-mark has been constantly pulling me credit report each month however ive disputed inquiries from this company several times. They are calling threatening me threatening my mom, my kids and my co workers This company has been harassing me for 9 months straight non-stop. on XX/XX/2019 the company pulled another hard inquiry without my consent this is the 4th inquiry pulled from this company without my consent
11/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28303	Web
LendMark financial is the worst company. There are always different balances on your account, but the little rude, ignorant staff members never want to explain where they come from. This company needs to be investigated. Asking to investigate them, if it is not done, part of the problem, will be that this place is going to have a lawsuit against them. Investigate them. XXXX NC branch. XXXX XXXX location.
07/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75050	Web
I have a credit inquiry on my credit report from Lendmark on XX/XX/XXXX that I do not recognize. I contacted Lendmark on XX/XX/XXXX to find out why I have this credit inquiry on my credit report and they did not respond. They have not provided me with any documentation or proof showing that I allowed them to inquire about my credit. This credit inquiry needs to be removed from my credit report.
08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 232XX	Web
In accordance with the Fair Credit Reporting Act Lendmark Financial Services Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I would like to have the account removed from my credit report.
02/26/2022	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	CA 92651	Web
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22903	Web
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer can not furnish an account without my written instructions https : //portal.consumerfinance.gov/consumer/s/complaint-description? XXXX # XXXX 15 USC 1666B A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
05/03/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29621	Web
I have a loan that held a title as collateral. The car stopped running shortly after and the loan company allowed me to drop insurance on the vehicle. The loan went into default and they refuse to repossess the XXXX off my ex husbands land or give me the title so I can dispose of the car. I have called them and left messages but no one will call me back. It 's XXXX in XXXX sc
10/28/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KY 40403	Web	Servicemember
I am just due for the current months payment, so not even XXXX days past due, and in a matter of XXXX days I have received XXXX phone calls from this company, as close as an hour and a half apart, to collect the debt. There is no reason at all to call a customer XXXX times a day to collect a debt, especially with the times so close together. Their collections tactics are harassment.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21206	Web
This company is reporting to my credit profile. The company has stated that they do not have a account that the can verify as being my account. The company needs to remove their information from my credit report. XXXX should also remove this from my credit report for which the company has clearly stated that I do not have an account with them that should be on my credit report.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	WA 98408	Web
XXXX said I had to dispute these with the police department, as I have had my identity stolen in the past. Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ) Here are more hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Lendmark XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/26/2019	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	NC 27295	Web
Lendmark pulled my XXXX report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. XXXX was provided a copy of the letter after 30 days went by and the inquiry not being removed. XXXX stated Lendmark did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 397XX	Web
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
09/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web	Servicemember
Lendmark Financial Services has not provided me with and document with my wet signature giving them permission to report ANY information to my consumer report. I, XXXX XXXX am enforcing my rights to privacy as a consumer under 15 USC 6803 a 1. They did NOT exercise their grave responsibility, they have been unfair, and were partial in the matter under 15 USC 1681 a 4
09/17/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 300XX	Web
This debt collector has called my job over 20 time. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are just some of the days I have written down.I have asked them and told them to stop calling my job in concerns to this matter and to call my personal number instead. Her name is XXXX and she has cures out my boss when she asked her to stop. My boss is now taking lawful action.
11/02/2022	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	SC 29456	Web
On XX/XX/XXXX there was an unknown hard inquiry on my XXXX credit report showing that someone tried to get a personal loan from LendMark Financial S using my name. They also knew my address and my current employer as well. I did not take out a personal loan at all. Now its showing on my credit report as a hard inquiry. I found out that the person did this in XXXX SC
01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20879	Web
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30016	Web
XX/XX/XXXX, my Lendmark Financial Account was settled for a little over {$6000.00} and was to show as settled on my credit reports. The loan that was opened XX/XX/XXXX was to be closed and merged with the loan fromXX/XX/XXXX to be one loan. They are showing as 2 negative marks on my credit with one showing a last payment ofXX/XX/XXXX which is incorrect.
06/04/2021	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 28105	Web
There are two hard inquiries listed on my credit report that I have no knowledge of from Lendmark Financial on the dates of XX/XX/2021 and XX/XX/2021. I never gave consent to this company nor do I know of this company to give access to my personal information. I have never given written consent nor signed off on anything that has to do with this company.
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	WA 985XX	Web	Servicemember
I have recently viewed my credit report online, and discovered that on XX/XX/XXXX of 2021, Lendmark Financial Services XXXX, has caused a drop in my credit score by running a hard inquiry on my credit report. I have no business dealings with this entity and have not had dealings with them in the past. I did not give them permission to run my credit.
01/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	MD 21158	Web
Had a personal loan with lendmark financial. Had 3 missed payments due to the online website they have set up not working after they changed my loan number. Thought payments were being paid. Then got a later from them saying it was past due. Called lendmark to explain the issue and they are no help so ended up paying the loan off all at once.
02/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 443XX	Web	Servicemember
LENDMARK FINANCIAL they won't send a statement for over 2 years now I don't know what they are doing to my account how much is being applied to balance how much interest I'm paying. I look online at complaints for this company and see they are tacking on fees so that the loan can never be paid off. how is this company still allowed to exist.
11/28/2023	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	KY 417XX	Web
XXXX of XXXX my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. I am submitting indictment court issued documents.
05/27/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	ID 83201	Web
They have called from personal cell XXXX .phone numbers called multiple times in a day called my work number after being told not to call Phone logs available. Sent there vice VP into my work even after being told not to call making field visits to my office! Leaving detailed messages on the voicemail. Voicemails also have been saved.
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 21207	Web
XXXX XXXX, 2020 after reviewing my personal credit report ; an unauthorized inquiry from LENDMARK FINANCIAL SVCS # XXXX located at XXXX XXXX XXXX XXXX GA XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30350	Web
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 191XX	Web
The company XXXX XXXX is hosting an account that had been paid in full; but continues to host an open account as past due, The companys name is Lendmark financial services.This is defaming my character as it displaying inaccurate, and invalid information on a public profile preventing me from obtaining any new lines of credit etc.
02/28/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30097	Web
The representatives call me on my due date harassing me about payment. I tell them when I plan to pay and then they ask all kinds of personal questions about my job and what's going on why am I in the situation that I'm in. That is totally out of line. The employees at Lendmark Financial need proper training on telephone etiquette.
08/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91711	Web
For the past four months they are not supplying the balance or payoff amount to keep the consumers as my self in the dark. They are collecting payments and not crediting the accounts. When asked for my loan balance no one knows. The company keeps saying they are upgrading their system so they can not supply me with my loan balance.
08/18/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	TX 78717	Web	Servicemember
I have a phone number calling my employer falsing information about who they are, their names, and refuse to give any information. After researching the phone number I found out it is Lendmark Financial and they are calling more than 5 times a day on my cell phone, contacted my family, and my employer more than 5 times a day!!
09/20/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23832	Web
Lendmark Financial is calling me twice and 34 times a day about my car loan which is totally unacceptable and against the rules and laws of Virginia they need to call once and that is it not calling back to back. Im aware that Im a one month behind but to Continuously calling multiple times in one day is a form of harassment.
02/18/2019	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	AL 354XX	Web
The account was disputed in XX/XX/XXXX asking for validation, none was supplied. On my credit report it states that the balance was XXXX from XX/XX/2018. On disputing again, on my credit report it states that the balance is XXXX, XXXX for the same time period. They are just reporting inaccurate information with no validation.
05/16/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	GA 302XX	Web
I FOUND SOME ERRORS ON MY REPORT THAT ARE IN QUESTION, CAN YOU PLEASE SEE THE ERRORS I FOUND BELOW, THANK YOU FOR YOUR PROMPT ENGAGEMENT. I DISPUTED THIS ACCOUNT WITH XXXX XXXX AND XXXX. XXXX DELETED XXXX OF THE CHARGED OFFS ACCOUNTS BUT NOT THE THIRD ACCOUNT. THIS IS DAMAGING MY ABILITY TO GET A JOB.I DO NOT OWE ANYONE
01/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ID 83301	Web
Paid off loan on XX/XX/XXXX in amount of XXXX was told 110 days to get off credit report, account still shows up on report at XXXX with an update report of XX/XX/XXXX. When called to see why it has n't reported clear yet they give run around as if my problem and not theirs nothing but excuses and hung up on several times
08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23060	Web	Servicemember
This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!
08/27/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 769XX	Web
Harrassing phone calls daily, leaving threats that they will procicute for not being able to make my payments on time. I 'm struggling with my finances and payments are higher than disgust. They approved me without properly evaluating my credit reports and refinanced a previous loan at a ridiculous interest rate.
08/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20746	Web
This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP
06/02/2022	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	OH 440XX	Web
Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. XXXX XXXX XXXX settlement accepted date XX/XX/XXXX XXXX card services settlement accepted XX/XX/XXXX XXXX financial services settlement accepted XX/XX/XXXX XXXX
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89044	Web
This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt. I know that a 1099-C had to be filed, and I never received a copy of it.
09/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30180	Web
I have an open loan with Lendmark financial in XXXX XXXX XXXX my wife was checking my voice mail over the weekend and the office left a msg on my voice mail that they was calling about my XXXX payment and where they was calling from, this broke the privacy policy, which cause a lot of problem 's at my house
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30306	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
07/11/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85224	Web	Servicemember
On XX/XX/17 Lendmark Financial Services LLC approved me for a title loan in the amount of {$7100.00}. The account number is XXXX or XXXX. I gave them the actual paper title to my vehicle. They did not receive any consumer goods from me. The promissary note that was provided to me corroborates this.
08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NC 27406	Web
A loan office employee approached XXXX of my coworkers while they were outside on their lunch break in front of our place of employment and asked them, " Do you know ' [ first and last name ] '? She owes us money and I know she works for this company, but I did n't know if this location or not ''.
06/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85042	Web
Sent a request on XX/XX/2022 to provide a binding contract with two signatures from me, XXXX XXXX and LENDMARK, but LENDMARK refuse to provide. Requested that LENDMARK be removed from my credit reports due to fraudulent acts of accessing my report without consent, LENDMARK refuse to comply.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 239XX	Web
This loan was XXXX a chapterXXXX bankruptcy that was dismissed the titles was released and the vehicles weer salvaged. I feel like the company violated bankruptcy law. Also predator lending. Also i have a court order from the vec that my unemployment my not be approved until XX/XX/XXXX XXXX
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TN 37042	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
06/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 17042	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 to XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web
n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 15 U.S.C 1681 Section 602 A. States i have a 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
12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 368XX	Web
Lendmark is reporting the payment status as 30 days late with XXXX and XXXX. The account was paid in 2019. I disputed the account through the credit bureaus and directly with the local office. The company has not changed the information. The company verified the information as accurate.
02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NC 27292	Web
Lendmark financial calls me EVERY day, and twice on most days. I have never been more than 24 days late. I receive letters in the mail, constantly but because of the calls I have had to block their number and now they call from a private line that I can not block. This is infuriating!
08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	VA 23320	Web
From the day I got this account I told the employees that they can not call me at work. I have repeated that every time theyve verified my information such as during refinancing the loan. XXXX still getting calls at my workplace-this interferes with my job and could cost me my job!!
11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93305	Web
I have try several times to reach out to Lendmark and have got no reply. In XX/XX/2020 I sent a letter asking for proof of this is account and i have yet to receive anything. Four months and NOTHING this is crazy. I'm asking for a difficult letter here only want to know about this.
11/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	SC 29501	Web
Lenmark Finance Company continues to call my job. They have called multiple time which includes XXXX XXXX times a day. Trying to be smart and call back to back blocking their number. Threating to call to speak to our corporate office to get my information to file papers at my job.
10/30/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MD 212XX	Web
Lendmark Financial continues to call my employer. My human resources department and any line in the company. They are harassing my family with daily phone calls as well. I have sent numerous communication via email and told them on phone to cease calling. this has not stopped.
10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MD 21207	Web
An employee at Lendmark Financicial named XXXX hung up on me and refused to discuss my account kept calling my place of employment about a debt that is past due a few days. when I asked her not to call my employer, threatened to take legal action to make me and hung up again.
06/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AL 351XX	Web
I submitted all the required paperwork for the loan and was told I was approved and and was told the loan amount and payment amount in the process of purchasing a vehicle with the loan was told that the supervisor had changed theyre mind and was not going to fund the loan.
11/10/2023	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	FL 32547	Web	Servicemember
I got a notification through XXXX XXXX that I had a hard inquiry submitted on XXXX XXXX XXXX with lendmark financial s. I did not apply for any loans. I called them and they said they did not see any line of credit. I want this removed from my credit report immediately.
05/07/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	OH 441XX	Web
This is a inquiry that I do not recognize and I let the lender know that I did not authorize this transaction with trying to get a line of credit I need this to be off my credit report and removed immediately this inquiry was supposed to be off my report 1 month ago.
05/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 283XX	Web	Servicemember
just recently found out that lendmark financial is using predatory lending. they never disclosed the interest rate to me and i saw where my loan will take a lot longer to pay off. the only way i viewed my interest rate was online using lending tree that revealed it.
02/18/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	CA XXXXX	Web
I was recently made aware of a fraudulent account that was open using my personal information without my knowledge or permission. There were two different auto loans as well several credit cards. 1. XXXX Account Number XXXX 2 ; XXXX XXXX XXXX Account Number XXXX
10/23/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem related to refinancing	NC 27834	Web
XXXX printed up a contract thats was sent up and approved by their higher ups with a lower interest rate I signed and finalized everything. They come back within minutes saying the contract was not valid this is not fair especially if a system created the contract
08/11/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 92618	Web
This debtor continues to make up to XXXX phone calls a day at work and to my " emergency contacts '' to collect a debt that payments continue to be made on. They will call up to every two hours to work continuing to harass not only myself but my place of business.
08/25/2018	Yes	Payday loan, title loan, or personal loan Title loan	Can't stop withdrawals from your bank account	CA 95358	Web
I did a stop payment on any and all payments to Lendmark - They charged my debit card, and the bank information I was given stated that I authorized the payment over the phone. Lendmark posed as me, and authorized the payment without my consent. This is fraud.
07/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	DC 20032	Web
I sent request and request, request for validation and verification of this alleged debt being reported on my credit file. This is NOT my debt and i am a victim of ID Theft. This company will not response to my request but continue to contact me to make payment
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 295XX	Web
I have several accounts that does not belong to me and I need them removed from my credit report. I am listing the accounts below. XXXX. LENDMARK FIN SVCS XXXX {$3100.00} XXXX. XXXX XXXX XXXX {$2200.00} XXXX. XXXX XXXX XXXX {$970.00} XXXX. XXXX XXXX {$0.00}
05/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97401	Web	Servicemember
I have told Lendmark on numerous occasions that I live on the west coast and they continue to call me at inappropriate times ( before XXXX ). I have lived out here for 5 years. This should not continue to be an issue. I have paid on this loan the entire time.
06/14/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 31061	Web
I have notified lendmark several times that I am in school and I will work with them on my payments. They continue to call my grandmother and told her the debt I had and what they were looking for. They are not allowed to share my information with anyone.
01/11/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NC XXXXX	Web
No matter how on time or how much I pay the payoff never changes, 4 years still owe the same amount they are holding my title and title loans i thought were illegal in NC please help my nightmare, im on XXXX and an being taken advantage of at this point
09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 21206	Web
I filed bankruptcy that includes 2 companies that were contacted and are now reporting these accounts as open accounts closed that were included in the bankruptcy. Its inaccurate and causing my score to drop because of false reporting of these accounts.
03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30127	Web
Tried disputing keeps being verified, went to there office was told the debt was sold wouldnt tell me who or what and was asked to leave, I asked for all original signed documentation to prove I dont owe anything to this company but was asked to leave
09/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20032	Web
LENDMARK FINANCIAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME. I SENT 3 LETTERS TO THEM REQUESTING FOR VERFICATION AND VALIDATION AND AS OF TODAY THEY HAVE NOT VALIDATED THE DEBT. THE DEBT IS NOT MIND AND DOES NOT BELONG TO ME.
01/11/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	VA 231XX	Web
Lendmark has repeatedly try to contact both my husband and I at work even after they were told not to, that they were jeopardizing our employment. They have been notified that we are working with a debt consolidation company to help resolve our debt.
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36116	Web
I have inquiries on my XXXX report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX credit report
09/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 174XX	Web	Servicemember
LENDMARK FINANCIAL SVCS is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
03/02/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32303	Web
I only fell a few weeks behind and they are calling my employer, who I never gave permission to call. I have instructed them that the only valid number to call is my home, and they must discontinue calling my place of work and my family.
01/23/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 398XX	Web
XX/XX/2020 - call from unknown number threatening to come to my house or job. XX/XX/2020 - call from unknown number threatening to come to my house or job. XX/XX/2020 - call from unknown number threatening to come to my house or job.
10/13/2022	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	CA 91316	Web
On XX/XX/2022, Lendmark made an inquiry on my credit score report. I had no knowledge of it. I did not give any consent to do so. They offered refinance but said no credit check will happen. I was tricked by the agent. This is fraud.
09/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Problem with the payoff process at the end of the loan	CO 805XX	Web
I had a loan which interest rate is outrageous and can not afford to pay due to unemployed. They call me uncountable times a day, every day for months, and they also called my landlord and my previous workplaces. It's a harassment!
08/01/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	KY 402XX	Web
This company is reporting a title loan to my credit report. This was my ex husbands car and loan and it is named as his in our divorce decree. Yet this company continues to report this to the 3 credit bureaus as if I owe this debt.
05/12/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KY 402XX	Web
Lendmark is reporting that I owe XXXX for a loan. My collateral was a XXXX that my husband got in a divorce decree ... he took on that debt as well. I also filed bankruptcy in XXXX and this was included. I never owed XXXX
01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 294XX	Web
The two companies Im reporting has charge offs on my credit that I dont even know about and Im a identity theft victim so I would like this problem handled please I would like everything erased from my credit report. Thank you
06/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75287	Web
I applied for a personal loan and was denied because of credit factors and score. It said i had no score and they cant determine my eligibility due to my credit worthiness. I sent a letter to notify them of their violations.
06/10/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 350XX	Web
Lendmark Financial The account is due I the XXXX of every month however they are calling harassing starting on the day ( s ) before the due date. The calls then comes several times a day and respresentatives are being rude.
04/17/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30096	Web
Lendmark Financial XX/XX/XXXX in the amount of {$1700.00}, XX/XX/XXXX {$1200.00} and XX/XX/XXXX {$0.00}. Accounts are charged off and closed on my account and tried to dispute why 3 different accounts that I'm not aware of.
02/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30240	Web
Lendmark Finan loaned money for a metal building I paid it off... there was confusion because they recorded it as 2 accounts. Account XXXX and XXXX they reported it incorrectly. It is and was paid in full.. XXXX XXXX
09/28/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with the interest rate	CA XXXXX	Web
I have had my vehicle for over 2 years now and I refinanced back in 2021 not understanding about what it meant to refinance the vehicle and my loan payment increased when I was actually closer to paying off my debt
04/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	GA 31419	Web
Lenmark Financial was paid off on XX/XX/2023. It's showing that I owe XXXX .Also the relatives on my report does not involve being related to me and I'm concerned about having the removed off my report. Thank You.
05/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30083	Web
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 239XX	Web
This loan was in a chapterXXXX bankruptcy the liens was released and the vehicles were salvaged. I request that the dept be discharged also i have a court order from the XXXX asking for forbearance untill XXXX.
06/18/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92410	Web
The customer service reps call on a daily basis. It's complete harassment in my opinion. I don't know if their extremely bored in the Office but I don't wish to get to know these people on a personal basis.
08/01/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	KY 402XX	Web
This company sold this account, but yet still reports this to the credit bureau as negative. Both companies are reporting the exact same account that was taken over by the co signer and is in good standing.
10/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	FL 32086	Web
XX/XX/XXXX purchased a car loan. XX/XX/XXXX lost job. XX/XX/XXXX filled volunteer repossession form. XX/XX/XXXX vehicle remains at my residence. Decreasing credit score and accumulating late fees.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20879	Web
In accordance with the Fair Credit Reporting Act XXXX account : Lendmark Financial Services XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.
12/14/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	OH 44281	Web	Servicemember
I was denied SCRA by Lendmark Financial on two loans for two XX/XX/2018 XXXX XXXX XXXX XXXX in XX/XX/2018. I am an XXXX XXXX Service Member. I requested SCRA and the Loan Officer dismissed me.
04/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NC XXXXX	Web	Servicemember
Lendmark refuses to apply S.C.R.A. Interest rate reduction to this loan for the period of time I was mobiled to XXXX XXXX XXXX-XXXX. Local manager claims ignorance on what Headquarters does.
12/21/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 44281	Web	Servicemember
I was denied SCRA by Lendmark Financial. I would like a rebuttal to the outcome of complaint # XXXX. I would also like Lendmark to revisit their policy under OHIO SCRA Chapter 7.1.
05/12/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 23456	Web	Servicemember
I m currently working with customer legal group to help resolve my debit when I received this warrant of debt in the mail. I have notified customer legal group at XXXX about this
10/19/2021	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 Investigation took more than 30 days	NM 87106	Web
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
06/22/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KY 409XX	Web
I made a payment on my account, they sent confidential information via email to a 3rd party so now they have my info regarding checking info and account information with Lendmark
12/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	LA 70806	Web
Lendmark financial services denied my right to counteroffer. I did not request a counteroffer yet they stated in previous complaint XXXX they are denying my counteroffer.
12/27/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you instead of your attorney	GA 30039	Web
I am receiving harrassing and abusive phone calls from a debt collector that is currently being paid through a law firm. They are also harassing a family member of mine.
08/15/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA XXXXX	Web
Received a phone call XXXX at XXXX at my place of work. They have been instructed not to call me at work. They told me they don't call any of my references or business
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28212	Web
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
09/06/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	CA 92551	Web
The company made more than 1 call with contact to myself. They also threatened to report to my credit even though the account was not past due more than 30 days.
05/27/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29906	Web
I am currently in debt relief program and my lawyers have sent lendmark financial there power of attorney letting them know to contact them regarding my account
10/13/2022	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	CA 91316	Web
XX/XX/2021 Lendmark checked my credit score without my consent. They want to offer refinancing. I turned them down. I have a hard inquiry hit. This is fraud.
05/12/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	PA 15301	Web
Lendmark took me XXXX district judge XXXX XXXX for XXXX lendmark didn't show up so the decision was in my favor I can't get them off of my XXXX credit report
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web	Servicemember
lendmark is incorrectly showing an old account on XXXX. i check my credit daily and i see two lendmark accounts opened and that is against the law i am sure
11/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 15239	Web	Servicemember
Lendmark financial services are sharing my personal information to the credit beauras such as my payment history. By law that is prohibited in state of XXXX
05/12/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 22485	Web
Landmark Financial has been told repeatedly not to call before XXXX. I get 3 to 4 calls daily with voice messages now that I have blocked their number.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DC 20032	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
05/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web
Affidavit was filed XX/XX/XXXX, disputes XX/XX/XXXX, Telephone calls to the company XX/XX/XXXX. Information should not be on my credit report. Theft.
08/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85308	Web	Servicemember
I have told them they have the wrong number they are looking for XXXX my name is XXXX they refuse to remove my number despite multiple requests
02/12/2019	Yes	Mortgage Other type of mortgage	Improper use of your report Credit inquiries on your report that you don't recognize	NC 279XX	Web
I HAVE KINDLY ASKED LENDMARK FINANCIAL TO SEND ME THE INQUIRY DETAILS OF THEIR INQUIRY ON XX/XX/2018 but after numerous attempts I came here
08/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29212	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
Lendmark Financial Services and XXXX. I had a representative payee, which was paying on for me, then he decided to stop making payments
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91316	Web
Lendmark checked my credit report without my consent. told no hard inquiry will be done then it made credit check on XX/XX/2022 2022
07/06/2021	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	VA 23324	Web
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.
07/27/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KY 409XX	Web
I have sent a cease and desist letter to this creditor and they are still contacting # s that was on that cease and desist letter
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29501	Web
Accounts are closed and were sold to another company without my consent which is identity theft I want them removed immediately!
02/13/2019	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	MD 210XX	Web
I have absolutely no idea who these agencies are that are reporting on my credit report ; did not ask any of them to report.
01/30/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA XXXXX	Web
Please see the attached document with the full explanation. This venue is too short for the events that have taken place.
08/17/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	PA 177XX	Web
Lendmark fininical has report late charged on my credit report without my consent also violated my privacy by doing this
06/09/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90746	Web
LENDMARK XXXX this loan was taken out without my consent I contacted creditors do not respond to call, or letters ....
10/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30294	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
06/06/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	MD 210XX	Web
Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	CA 91761	Web
This is a fraudulent account that was opened some time ago using my personal information without my consent.
09/20/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 238XX	Web
They have called every day started at or before XXXX XXXX and have called my mom and my place of employment
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23435	Web
I never gave any written consent to report anything on my consumer report. No consent is identity theft.
12/07/2023	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	CA 93552	Web
I want these inquiries deleted I did not authorize these companies to run my credit its fraudulent
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28273	Web
Lendmark Fin is reporting I have an account with them and I have never had an account with them.
11/06/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	GA 30134	Web
Loan is over 7yrs old and this loan shouldn't be on my report. Company Name Lendmark Financial
01/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20746	Web	Servicemember
This account was paid off in 2014. I have asked that this be removed from my credit report.
08/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29406	Web
Companies charge the entire APR up front as amount borrowed even if paid off sooner.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43607	Web
Someone opened a Lendmark account in my name opened on XX/XX/17 the balance is XXXX
02/21/2023	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	AZ 85296	Web
I did not authorize the local branch to do an hard inquiry on my credit report
11/07/2023	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	GA 30052	Web
There are several inquiries on my credict report that I did not submit.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 302XX	Web
i do no know where this account came from. it does not belong to me.
12/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21234	Web
Lendmark financials s XX/XX/2018 unknown inquiring on credit report.
05/22/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 28306	Web
I told the company that my name was spelled wrong & it wasn't me
12/19/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 76901	Web
They are going to my job site looking for me A person named XXXX
07/05/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 79109	Web
They are calling my work repeatedly after I asked them to stop.
12/13/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 210XX	Web	Servicemember
TOOK MONEY FROM MY BANK ACOUNT JUDGE SAID IT PAIDED IN FULL
02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 312XX	Web
unauthorized inquiries on report.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 303XX	Web
I WAS A VICTIM OF ID THEFT!
09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30286	Web
Accounts was not removed
02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 191XX	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28216	Web

01/30/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AL 35601	Web

01/29/2024	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 224XX	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 270XX	Web

01/26/2024	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	OH 45431	Web

01/26/2024	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	VA 232XX	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37128	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20019	Web	Servicemember

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21234	Web	Servicemember

01/23/2024	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN XXXXX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	VA 20152	Web	Servicemember

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30096	Web

01/18/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	AZ 85018	Web	Servicemember

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 278XX	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91381	Web

01/10/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	AZ 85302	Web

01/05/2024	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	GA 30238	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27804	Web

01/04/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 21222	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35601	Web

12/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	TX 78673	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	OH 44306	Web

12/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Old information reappears or never goes away	NC 28312	Web

12/28/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 38133	Web

12/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 19454	Web

12/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 92020	Web

12/20/2023	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	VA 23223	Web

12/14/2023	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	TN 38474	Web

12/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	SC 29690	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77625	Web

12/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75248	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20716	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30324	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30815	Web

11/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	TX XXXXX	Web	Servicemember

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30324	Web

11/21/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	NC 27407	Phone

11/18/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	PA 19464	Web

11/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	CO 81211	Web

11/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	CO 80911	Phone

11/14/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 93035	Phone

11/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Other advances of future income	Confusing or missing disclosures	CA 91977	Web	Older American

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20032	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30236	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22601	Web

10/20/2023	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	FL 33511	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20602	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48221	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23462	Web	Servicemember

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30326	Web	Servicemember

10/17/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20747	Web

10/14/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	PA 15147	Web

10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28214	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44146	Web

10/05/2023	No	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	LA 70001	Phone	Older American

09/28/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 15147	Web

09/27/2023	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	GA 30036	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29486	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30290	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23847	Web

09/06/2023	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	NC 28390	Web

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web

08/21/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 63118	Web

08/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	MD 21216	Postal mail	Older American

08/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 79363	Web

08/05/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95219	Web

08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WV 25401	Web

08/01/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	NC 28134	Web

08/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 91362	Phone

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36609	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23225	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32505	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23840	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30328	Web

06/29/2023	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	CA 90250	Web

06/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	SC 29611	Web	Servicemember

06/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 31521	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 270XX	Web

06/14/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	VA 23228	Phone

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22601	Web

06/13/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	WA 98620	Phone

05/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	MD 20707	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30305	Web

05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29611	Web	Servicemember

05/16/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29611	Web	Servicemember

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web	Servicemember

05/06/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29621	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83646	Web

04/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	MD 21222	Phone

04/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 44121	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29485	Web

04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36869	Web

03/29/2023	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	VA 23603	Web

03/28/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	VA 23231	Phone	Older American, Servicemember

03/28/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 23456	Phone

03/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23324	Phone	Older American

03/14/2023	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	MD 21234	Web

03/14/2023	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	WA 98370	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27893	Web

02/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 43201	Web

02/10/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 24531	Web

01/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 23803	Phone	Older American

01/30/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	OH 43227	Phone

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37415	Web

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23692	Web

12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30260	Web

12/23/2022	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	SC 29486	Web

12/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28273	Web

12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18201	Web

12/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	PA 15239	Web	Servicemember

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21017	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95838	Web

12/07/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30260	Web	Servicemember

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91364	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32547	Web

12/04/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 27705	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29153	Web	Servicemember

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29115	Web

11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28546	Web

11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28546	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95206	Web

11/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	LA 70806	Web

11/06/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	SC 29607	Web

11/04/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91709	Web

10/24/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29307	Web

10/17/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MD 21202	Web	Servicemember

10/15/2022	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	OH 45207	Web

10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30101	Web

10/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29940	Web

10/02/2022	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	VA 23505	Web

09/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30101	Web

09/26/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TN 37128	Web

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39773	Web

09/14/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 37146	Web

09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30506	Web

09/11/2022	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	PA 19018	Web

09/10/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29607	Web	Servicemember

08/31/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CA 95630	Web	Servicemember

08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27591	Web	Servicemember

08/17/2022	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30101	Web

08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 15221	Web

08/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21244	Web

08/10/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20748	Referral	Older American, Servicemember

07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NC 27536	Web

07/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30052	Web

07/26/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 28269	Phone

07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30907	Web	Servicemember

07/18/2022	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	GA 30331	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43326	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30088	Web

07/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 18103	Web

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27536	Web

07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21921	Phone	Servicemember

06/29/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23513	Phone

06/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	VA 24018	Phone	Servicemember

06/23/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	DE 19805	Web

06/21/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 92394	Phone

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92114	Web

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92114	Web

06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23451	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23177	Web

06/09/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 28027	Referral

06/07/2022	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	GA 31768	Web

06/02/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30328	Referral

06/01/2022	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	OH 45014	Web

06/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30328	Web	Servicemember

05/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27886	Web

05/26/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92336	Web

05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29063	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90703	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94587	Web

05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89123	Web

05/13/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77429	Web

05/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 30253	Phone

05/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77014	Phone

04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48146	Web

04/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76227	Web

04/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37921	Web

04/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23223	Phone

04/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	DC 20001	Web

04/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MD 21206	Referral

04/05/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 43050	Phone	Older American

04/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 43125	Referral

04/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 36526	Web

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40210	Web

03/23/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29351	Web

03/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 36559	Web

03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92019	Web

03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40475	Web	Servicemember

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 18201	Web

03/07/2022	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	NC 28665	Web

03/01/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Reporting company used your report improperly	VA 23434	Web

02/25/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NC 27284	Web	Servicemember

02/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 22026	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15208	Web

02/20/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	OH 44128	Web

02/20/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	OH 44128	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15108	Web

02/15/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	GA 30038	Phone	Older American, Servicemember

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30117	Web

02/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 15235	Web

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98310	Referral

01/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17044	Web

01/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	DE 19801	Web

01/12/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	VA 23434	Web

01/10/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	PA 17401	Web

01/10/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 95240	Phone

01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30038	Web

01/04/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web

12/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98579	Web	Servicemember

12/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	SC 29436	Web

12/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 365XX	Web

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 31787	Web

11/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	VA 24541	Phone	Older American

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30087	Web

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30087	Web

11/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 24540	Web

11/22/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30272	Web

11/20/2021	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	AL 36869	Web

11/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	KY 40330	Web

11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19111	Web

11/14/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WA 98408	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23220	Web

11/07/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30272	Web

11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27609	Web

11/02/2021	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 30016	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web

10/27/2021	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 30253	Web

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92648	Web

10/22/2021	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 27529	Web

10/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	MD 21702	Phone	Servicemember

10/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30066	Phone

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92071	Web	Servicemember

09/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28173	Web

09/28/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17044	Web

09/24/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 92120	Phone	Older American

09/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31096	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29172	Web

08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27302	Web

08/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36526	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 99336	Web

08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93311	Web

07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20772	Web	Servicemember

07/25/2021	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 90002	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91208	Web

07/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

06/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91302	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23452	Web

06/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30457	Web

06/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 78660	Phone

06/09/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	VA 22942	Phone

06/05/2021	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 30094	Web

06/04/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	GA 30066	Phone

05/29/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29483	Web

05/26/2021	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 28546	Phone	Servicemember

05/25/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31027	Web

05/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

05/14/2021	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	AZ 85374	Web

05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34787	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30309	Web	Servicemember

05/03/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31905	Web

04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	SC 29072	Web

04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29302	Web

04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23464	Web

04/11/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TN 37852	Web	Servicemember

04/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 98126	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23452	Web

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39501	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31023	Web

02/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KY 41701	Web

02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30228	Web

02/11/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	MD 20745	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30106	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31909	Web

01/12/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 37643	Phone

12/28/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TN 37643	Phone

12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36526	Web

12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30043	Web	Servicemember

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36801	Web

11/28/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	AL 36507	Web

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30152	Web

11/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23922	Web

11/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 39204	Phone	Older American

11/06/2020	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	GA 31329	Web

10/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30281	Web

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30101	Phone

10/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

10/01/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Public record information inaccurate	NC 27834	Postal mail

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77517	Web

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web

09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55038	Web

09/25/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30058	Web

09/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93389	Web

09/17/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NC 28311	Fax

09/15/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	OH 43123	Web

09/08/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 23222	Web

08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28105	Web

08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31027	Web

08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30281	Web

07/28/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	TN 38501	Phone	Older American

07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30093	Web

07/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect		Phone

06/12/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 24501	Phone

06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30549	Web

06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35473	Fax

05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98012	Web

03/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23666	Postal mail

03/24/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	GA 30014	Referral

03/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30252	Web

03/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 43223	Referral

03/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30252	Web

02/13/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone	Servicemember

02/09/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MD 21244	Web

01/29/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	KY 41622	Web

01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30248	Web	Servicemember

01/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31210	Web

12/21/2019	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 76052	Web	Servicemember

11/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20707	Web

11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23223	Web

11/05/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30013	Web

11/05/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Old information reappears or never goes away	AZ 85757	Web

10/28/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD 21030	Web

10/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WV 24910	Web

10/24/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20774	Web

10/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23847	Web

10/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 22193	Postal mail

09/30/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 91710	Phone

09/25/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing		Postal mail

09/20/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33570	Web

08/13/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40701	Web

08/07/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan		Phone

08/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MS 39648	Phone

08/01/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21001	Phone

07/27/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 27878	Web

06/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23851	Web

05/03/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 98373	Web

04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DC 20019	Web	Servicemember

04/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web

04/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan		Phone

04/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29506	Phone	Older American

04/03/2019	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	PA 15210	Web

03/25/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	NC 27712	Web

03/25/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	VA 22401	Web	Older American, Servicemember

03/08/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA 23116	Web	Servicemember

03/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33578	Web

03/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Phone

02/25/2019	Yes	Vehicle loan or lease Title loan	Incorrect information on your report Account status incorrect	VA 22701	Web

01/23/2019	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		Phone

01/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77627	Web

01/08/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 92405	Web	Servicemember

12/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75218	Web

11/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18510	Web

11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	TX 75068	Web

11/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 98311	Postal mail

11/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23851	Web

11/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 20705	Web	Older American

10/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85757	Web	Servicemember

09/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 23803	Web

09/07/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30092	Web

09/06/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30115	Web

08/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80401	Web

08/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	VA 23320	Phone

08/22/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30605	Web

08/15/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80202	Web

08/14/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 21811	Referral

07/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19709	Web

07/24/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	VA 23072	Fax

07/18/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44805	Fax	Servicemember

07/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21920	Web

06/28/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	FL 32055	Web

06/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Phone

05/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web

05/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29485	Web

05/14/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CA 93250	Web

05/04/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NC 27407	Phone

04/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27703	Web

04/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33187	Web

04/19/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44663	Fax	Servicemember

04/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MD 20904	Phone

04/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	WA 98270	Web

04/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 44333	Web

03/29/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	KY 42141	Referral

02/15/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC 29406	Web	Servicemember

02/15/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WA 98178	Referral

02/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31206	Web

01/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20743	Web

01/05/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WA 98148	Referral

12/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30134	Web

11/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90807	Phone

11/17/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Phone

11/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30180	Web

11/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Public record information inaccurate	NC 28301	Web

10/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30067	Web

09/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 96002	Web

09/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30039	Web

09/22/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MI 49418	Web

09/20/2017	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	CA 93720	Web

09/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 95828	Web	Older American

09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30039	Web

09/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 19809	Web

08/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 21001	Web

08/15/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Unable to get your credit report or credit score Other problem getting your report or credit score		Phone

08/05/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WV 24736	Web

07/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20695	Web	Servicemember

07/14/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan		Referral

07/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30076	Postal mail

07/04/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 24592	Web

06/26/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OH 44320	Fax	Servicemember

06/07/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA 93535	Web

05/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85209	Web

04/26/2017	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	SC 29436	Web

04/19/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35068	Web

03/29/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 22942	Web

03/23/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44004	Referral

02/26/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32565	Web

02/21/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	GA 30680	Web

02/18/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 22942	Web

02/15/2017	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	WA 98273	Referral

02/11/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28574	Web

01/23/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 15417	Phone

01/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 81620	Fax

01/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29486	Web	Servicemember

01/11/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	KY 42503	Web

01/11/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29565	Web

01/11/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75503	Web

12/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	DC 20003	Web

11/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CO 80923	Web	Servicemember

11/19/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 94401	Web

11/17/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98056	Referral

11/17/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AL 36603	Phone	Older American, Servicemember

11/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 27330	Web

11/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 24563	Web

11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30281	Web

10/15/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	GA 30047	Web

09/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	KY 32445	Phone

09/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 44320	Phone

08/26/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 151XX	Web

08/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 20745	Phone	Older American

06/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 23847	Postal mail	Older American

06/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 92154	Web

06/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91910	Phone	Servicemember

04/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 20715	Web

03/10/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 23608	Web

01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27545	Web

12/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	PA 18504	Web

12/15/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	NC 27511	Phone	Servicemember

12/03/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	VA 22601	Web

09/23/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 31005	Web

09/16/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	PA 19143	Web

09/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TN 378XX	Web	Older American

06/30/2015	Yes	Debt collection Non-federal student loan	False statements or representation Impersonated an attorney or official	MD 21060	Web

06/17/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 21213	Web

05/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11435	Referral

04/19/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21117	Web

04/19/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21201	Web

03/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	FL 33815	Phone

03/10/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	FL 33917	Phone	Older American

01/23/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 31407	Web

01/20/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 20747	Web	Older American

01/07/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 22551	Web

01/07/2015	Yes	Consumer Loan Pawn loan	Charged fees or interest I didn't expect	VA 23231	Web

12/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 23231	Web

12/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	MD 20772	Web	Servicemember

11/15/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MD 21793	Web

11/07/2014	Yes	Credit reporting	Incorrect information on credit report Public record	WV 25427	Web

10/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27587	Web	Servicemember

10/16/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KY 42301	Phone

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	TN 37743	Web

10/09/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29847	Web

10/03/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31558	Phone

09/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MD 20784	Web

09/22/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 21229	Web

08/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27522	Web	Older American

07/29/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PA 19013	Referral

07/24/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32548	Web	Servicemember

07/21/2014	Yes	Consumer Loan Personal line of credit	Account terms and changes	GA 30117	Phone

06/08/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	DC 20020	Web

04/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28306	Web	Servicemember

03/27/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21793	Web	Servicemember

03/24/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21212	Web	Older American

03/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21793	Web	Servicemember

03/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21793	Web	Servicemember

01/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20785	Web

01/14/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23229	Referral

12/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	KY 40701	Web

12/02/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29801	Postal mail

11/30/2013	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NC 28409	Web	Older American

11/08/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30038	Web

11/01/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt		Referral