MARINER FINANCE, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
10/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NY
  • 13090
Web Servicemember
so in late XXXX of XXXX i crashed my car and needed to get together a decent chunk of money to get the ball rolling on my new vehicle purchase, which needed to be done ASAP since i rely on my car extensively for work and personal purposes. being strapped for other options i looked into loans (having already received one from Mariner FInance in XXXX) again as much as i didnt want to. After looking at what XXXX XXXX said was a guaranteed approval i received a call from Mariner FInance in probably 5 miuntes.. They started their spiel only to stop themselves noticing i already had an account and asked if id like to increase my current loan amount because i was in near perfect standing with payments so i qualified to do so....Thought about it on Friday night at work XXXX XXXX XXXX and they reached back to me the following morning....having no other options i decided to go ahead with the appointment set for monday the XXXX. now its monday XXXX XXXX im still second guessing this and running late the the appointment they call twice and i told them i would be there ASAP having gone to the XXXX i XXXX to get it ready for dinner service. i arrive maybe a half hour late and they brin me into the room in the center of the office shut the door and they already have stuff set up for me just need to get some signtures. so they ask things like do you have any changed assets from your original list of valuables this was an unsecured loan initilaly when i got the first loan in XXXX of XXXX (not anymore obviously if my car got wrecke) only had to take my car off the list of valuables, asked if it was a loan for a car obvioisly i just said that. and chaged my address okay filled all of this out and they said theyd print me up a copy and itd be all good to go and hand me acheck....so they do.....fast forward to XXXX. im having difficulty paying the oan on top of my car loan itsself and other things....they take note and helped me a little bit that month...then XXXX same thing and they started to call asking for payments and i would say ok auto deduct it from this account and werer good so they do that...well apparently i didnt find out untilend of may beginning of XXXX that i had missed any payments...i was so busy with XXXX XXXX that i literallysome how missed payments beign taken out ofmy account and receiving overdraft fees but then having the withdrawals returned it looked no different to me....i thpught theloan was paid.....nope i was wrong now iits end of XXXX and i get an ugly call from Mariner saying in essence im lying theyve been trying to get ahold of me for months i do not recal or have any missed calls or anything from them....and this last call only came after i recevied a letter in the mail saying its going to be going to an attorneys now..confused i wiated for them to clal me at this point they said i could pay for the whole loan off and thats it...they refused to take an partial payments no matter the amount. so they said our lawyerrs will be handing this now have a good day. furioius i went trough and searched for the updated contract..they hid under neath all the paperwork i updated paperwork that i did sign yes but absolutely did not have a chance to read thoruoughly because NOONE not once told me that my original loan would actually be closed and that a new loan would be opened and then id be given essentially a new loan for the larger amount....but only receiving a check for the difference....thats odd, and how is this legal at al?!? So no only doesmy credit get affeced by them closing an account but then they do another inuiry on me and then open another account or a larger sum. but i only have been given much less and now a new account with ZERO credit history to be used in case something such as missing a payment or partial payments etc. instead it looks like on my credit report that the account was just closed in XXXX abruptly and. a new one opened that same month. and actually now looking back at my history it says my initial loan was secured....i have no idea what would have been secured as collateral as i had nothing to offer up and they knew this thats why i chose them in XXXX because it. was unsecured... so XXXX XXXX account closed saying it was secure loan just says closed XXXX XXXX account opened up to date having only 1 payment on it updated on XXXX XXXX but theres nothign on my credit report until almost XXXX about it now showing an original balance of XXXX and a new balance or $XXXX more than the XXXX balance..... why was this not continued as the original loan as to preserve credit history and ability to receive help in case of payment porblems? and how come it was missing from my reports for a month and i cannot get an aanswer from them otehr than you signed the paperwork but were givign you to our lawyers now.....now that phone call was in end of XXXX maybe first week of XXXX .... i get a cal from the attorneys office stating i am being sued by them and i will be recevings papers shortly...about 2 wees goes by its now middle XXXX and i get a guy serving me papers from them....i did not answer the door nor take any of the paperwork he tried to leave i said he needs to get off my property and to leave his firearm in his car while he retrieves teh paperwork. refused to comply to that. now i get a lettter in the mail on the firs monday in XXXX. dated for XXXX XXXX? stating i was to report to court by XXXX XXXX or something....and if i want to file somethign or other i must do it before XXXX date...but the only issue is the orignal letter was dated for early XXXX then the mail was stamped in late XXXX AFTER the court date had already passed. and im pretty sure the guy came about a week after the initial clal with lawyers. so as to gie me about a week for anything. but my refusal to accept any parperwork from him should not be delaying in any credit or bankruptcy litigation speed of service....so how was this now new creditor (their attorney) able to harrase me like this so quikly then immediately sue me for the money? his excuse poor credit history with the loan and the ammount borrowed....THEY closed the account and THEY ade it a new one and MADE it seem like i had no credit history now because THEY KNEW iwas in a pinch and that i would not be able to make payments epecially so after i told them i wouldnt be in XXXX id need help to. i know this is a huge what eems rant but i have no other way to get my point across or to try and get my story to the right people to help me. and because of thi my credit dropped over 200 points because of this situation adn then cuased me to start missing other payments so MARINER FINANCE is the big name thing i guess i have al the contracts etc if needed.
09/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19124
Web
I am XXXX XXXX XXXX, a current resident of Pennsylvania. I am providing this letter to serve as evidence of my persistent attempt to mediate the ongoing issue with MARINER FINANCE LLC and myself. I have reached out to MARINER FINANCE LLC VIA USPS PRIORITY MAIL on several occasions requesting them to remove this account from my consumer report. I am not disputing that loan that I have with MARINER FINANCE LLC. I am disputing their negligence with providing the appropriate electronic disclosures prior to closing loans with their customers. Prior to me obtaining a loan thru MARINER FINANCE LLC, I was unaware that there a finance companies are required to provide the Opt-Out disclosure form to its customers prior to first payment and at the initial signing of the loan documents. Under 12 CFR ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( j ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 1016.9 of this part Under 12 CFR 1016.9 ( a ) ( b ) ( 1 ) ( A ) : ( A ) In the case of financial institutions other than those described in 1016.3 ( l ) ( 3 ) of this part, post the notice on the electronic site and require the consumer to acknowledge receipt of the notice as a necessary step to obtaining a particular financial product or service; or ( B ) In the case of financial institutions described in 1016.3 ( l ) ( 3 ), clearly and conspicuously post the notice on the electronic site and require the consumer to acknowledge receipt of the notice as a necessary step to obtaining a particular financial product or service; I signed all of my documents electronically in the office located at XXXX XXXX XXXX XXXX PA XXXX on XX/XX/2023. On both occasions, the Sales consultant had their screen turned away from me during the signing. While I did sign MARINER FINANCE LLCs CREDIT AND CONTACT AUTHORIZATION FORM & DISCLOSURE REQUIRED UNDER AMENDMENTS TO THE FAIR CREDIT REPORTING ACT. I did not receive the opt-out form. MARINER FINANCE LLCs disclosures alleges that we the consumer can not opt out of credit reporting. When I left MARINER FINANCE LLC I was given paper copies of my loan documents I signed, along with additional information MARINER FINANCE LLC provides to their consumers. When you read their Privacy Policy under TO LIMIT OUR SHARING it states : We have the option to opt-out in small print and list their companys website to initiate this process ( exhibit enclosed ). I would like to reiterate that this option was not available to me at the time of signing the loan on XX/XX/2023. Leading me to believe that my private relationship with MARINER FINANACE would be forcibly shared with the credit reporting agencies. On XX/XX/2023, I sent a certified letter tracking number # XXXX to MARINER FINANCE LLC, LLC at XXXX XXXX XXXX XXXX XXXX, MD XXXX ; requesting to have the account removed from my consumer file and that my private information not be shared with the credit reporting agencies as I continue my relationship with MARINER FINANCE LLC ( exhibit enclosed ) As of XX/XX/2023, I had not received a response from MARINER FINANCE LLC LLC, nor has the account been removed from my consumer file. UPDATE FOR TODAY XXXX XXXX, XXXX. I RECEIVED A NOTICE ON MY CONSUMER FILE FOR A 60DAY LATE PAYMENT. Ive OPT-OUT of having my information shared through their website and sent them a letter. I should not have any late payments reporting to my consumer file with any of the consumer reporting agencies. Basis of dispute : 1. Violation Under 12 CFR ( a ) ( 1 ) Form of opt out notice. 2. Violation Under 12 CFR 1016.9 ( a ) ( b ) ( 1 ) ( A ) : 3. Violation of privacy under GRAMM-LEACH-BILEY ACT , TITLE V PRIVACY Subtitle ADisclosure of Nonpublic Personal Information : SEC. 501. 15 USC 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION. ( a ) PRIVACY OBLIGATION POLICY. ( b ) FINANCIAL INSTITUTIONS SAFEGUARDS. SEC. 502. OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( a ) NOTICE REQUIREMENTS. ( b ) OPT OUT- 4. Violation 15 1681b ( 4 ) ( c ) ( 1 ) ( A ) Permissible purposes of consumer reports Proof of Harm : 1. This account is furnished on my credit report ( XXXX, XXXX and XXXX ). I am in the process of obtaining a pre-approval of a home and this effects my debt to income ratio. 2. The late payment that has been reported has lowered my credit score significantly 3. My right to privacy has been violated by MARINER FINANCE LLC LLC. The protection of myself the consumer was not exercised due to the opt-out form not being furnished at the time of the loan signing. 4. MARINER FINANCE HAS DONE THIS TO MULTPLE CONSUMERS AS OUTLINED IN THE ATTORNEY GENERAL LAWSUIT ATTACHED CASE 2:22-cv-03253
11/16/2023 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
  • PA
  • 18704
Web
Mariner Finance , LLC is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Mariner Finance , LLC ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Mariner Finance , LLC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. Mariner Finance , LLC can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Mariner Finance , LLC for the cancelled debt of { {$1800.00} } in order to file as ordinary income. Where is my 1099-C Mariner Finance , LLC is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! Mariner Finance , LLC has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In Mariner Finance , LLC terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of Mariner Finance , LLC nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Mariner Finance , LLC must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
02/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • XXXXX
Web
I have sent numerous emails and have made several phone calls to the Vic President of Mariner Finance about my situation. It started at the end of XXXX. Due to being unemployed I reached out to Mariner Finance about any payment relief options. Their only option was to come in person to the branch and make a half payment in cash and that was the only thing they could do. I was scheduled to come in on XX/XX/XXXX ( the payment was due XX/XX/XXXX ). I decided to make my best attempt to pay my monthly payment with a late fee on the XXXX. On the XXXX i made several attempts to go into the online system and make the payment but I was receiving an error message stating a payment could only be submitted that day which was what I was trying to do. So I ended up finally being able to make my payment at XXXX on XX/XX/2022. On XX/XX/XXXX I was alerted that my payment was marked 30 days late. I couldn't understand what was going on. I reached out to customer service and WAS TOLD that since I BROKE MY PROMISE TO COME IN TO MAKE MY PAYMENT, THEY HAD TO MARK ME 30 DAYS LATE. This makes 0 sense to me. I required a manager to reach out to me to escalate the issue further. I was able to talk to a district manager and this is what happened when I spoke to him : Good evening. I have left a couple messages and have spoken to a customer service representative asking for a higher up manager contact me about my account. I spoke to XXXX who is a District Manager, and it had to be one of the rudest experiences I have ever gone through. The way he spoke to me was disrespectful and uncalled for and no one at your company seems to care. I lost my job a few months ago and have been unemployed. For my XXXX payment I was going to go into a branch and do a 1 time 50 % off payment on the XXXX, however I decided to just make my regular monthly payment on the XXXX online. Well when I went to make the payment, I received a message stating payments can only be scheduled that day which was what I was trying to do. I tried several times. Finally after XXXX which was now XX/XX/XXXX I was able to make the payment. I was marked 30 days late on my credit. This makes 0 sense for several reasons. According to XXXX if I made the payment in the branch I wouldn't have been marked late but because I decided to make it myself I would be considered late. How is that fair? If I decided to just make my regular payment why would I be penalized? No one ever communicated that to me which XXXX claims they are not required to do that. But XXXX stated that there is nothing he can do for the 30 day late because that is the law and they are reporting correctly. So how is that fair? Isn't that deceptive? When discussing my account with XXXX he stated that there was nothing he could do to help me because he read the notes on my file and I never answer phone calls from Mariner and I am a poor customer because I've made a lot of late payments on my account. First of all, I was affected by COVID-19 last year and made several late payments because of this which I communicated to the branch. Second of all, even if I make my payments late, I am paying you a late fee on the account. I am never calling and asking for fees to be waived or complaining. Why does that make me a lesser customer? So after XXXX telling me what a crappy customer I am, I told him my situation and how I am having a hard time finding employment in my field. XXXX told me I was a LIAR and that everywhere is hiring because he is hiring and HE PROCEEDED TO OFFER ME A JOB AT A BRANCH THAT IS ALMOST 45 MINUTES PLUS FROM MY HOME. This was beyond unprofessional. I was stunned and told him that that was too far away then he asked me to give him a branch that was closer to my home and he would give me a job and it would solve my problems. Um, how do you know what my problems are, what kind of job I am looking for, salary, work accommodations, etc? After this part of the conversation he proceeded to tell me that he could help me BY REFINANCING MY LOAN, GIVING ME CASH BACK AND A LOWER PAYMENT. If I am unemployed, how is this solving the XXXX payment issue? This solution made 0 sense to me. And if I am such a crappy customer, why would you offer me another loan? It just was mind boggling the circles he was talking in. He then stated it seems like you don't like either solution. I told him the issue is the payment being marked 30 days late. He again stated by law there was nothing he could do ( which is not true, I can literally look up the credit laws and go on any credit website and read this is not true ). He was like you broke your promise to come into the branch, and I said yes because I decided to make a full payment and went online and was unable to make the payment and received the error message and he was like well because our website had technical difficulties. I asked well how is it my fault if your website wasn't working and he said because you waited to make the payment at the last minute. Everything he stated was a total contradiction and not a solution. He was condescending and rude and I can not believe he is a manager in charge of employees and customer escalations. I can only imagine how he has spoken to other customers. I still want a higher up manager to contact me about this and speak to them over the phone to discuss this matter further. If I do not get a follow up email, with an outline for a follow up phone call I will be speaking with an attorney because this is getting ridiculous and I am not sure what to do at this point. Thank you for your time and I hope to ( finally ) hear back from someone. I reached back out again on XX/XX/XXXX to have a higher up manager reach out to me. I missed his call and he has NOT returned my calls since. He has sent me a text message stating he will reach out to me by phone but fails to do so. I talked to a CFPB associate earlier who advised me to file the complaint because 30 day later can not be given " for breaking a promise ''. This is ridiculous. I want the late removed from my credit report.
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • WI
  • 53219
Web
Dear Sir or Madam, 1. MARINR FINC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with MARINR FINC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by 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 ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments 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, Client Name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/06/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33570
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MARINR FINC bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/16/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 18704
Web
Im reaching out to the CFPB out of some major concerns about the predatory practices at Mariner Finance. Mariner has attempted to take advantage of me at every point of the process, from loan origination and through the servicing process as well. First, I am a fairly financially savvy individual with a great amount of knowledge with lending rules and regulations. I, however, in a weak moment, was foolish enough to accept a loan from Mariner Finance. Mariner mailed a check to my house which I was foolish enough to cash, thereby accepting the loan and agreeing to repay the debt at an absorbent interest rate. At the time I had just had a few unfortunate circumstances and was struggling to pay my bills. After receiving the loan, I did attempt to increase the loan amount, Mariner agreed to lend an additional {$500.00} and I was told I needed to go into the office to sign the paperwork. When I received the paperwork I was told I needed to list my assets on paper and was told by the manager to just put down a few high price items for the paperwork. Then, when I received the actual loan paperwork the monthly payment amount had significantly increased and the terms were extended even though the loan amount was only being increased by {$500.00}. When I reviewed the paperwork this was because Mariner took it upon themselves to add multiple options and insurances to the loan without even mentioning them to me. If I hadnt reviewed the paperwork I likely wouldnt have even realized what they attempted to do. Again, I am very familiar with lending having worked in the financial sector for the last ten years so I was fortunate enough to catch this. I feel that the majority of the customers Mariner has are financially uneducated and are being taken advantage of by Mariners deceptive practices such as this. When I requested to have the additional products removed from the loan the manager pushed back stating he would have to re-do the paperwork. They were eventually removed after I insisted. The servicing of the loan has been even worse, admittedly I have made most of the payments a few days late, but have always been very careful never to pay more than 30 days late knowing this can be reported negatively to the credit bureaus. I consistently receive harassing and unprofessional letters from Mariner advising that my loan is in default and they are advising their attorney to proceed with taking legal action against me. This is all for a loan that is less than 30 days delinquent. Additionally, Mariner makes it extremely difficult to make payments. For approximately the first year that I had the loan I was unable to make payments via the website and being close to the 30 day late mark and not having the opportunity/time to mail a paper check, I had to pay over the phone. Mariner charged a {$6.00} convenience fee with each payment, I pay every one of my bills online and am absolutely certain it was Mariners site that was the issue and not my lack of computer knowledge. This is another example of how Mariner is taking unfair advantage of me by charging unnecessary and excessive fees. Even to make the payment online or on auto pay Mariner still charges a {$2.00} fee to make the payment. The only option to pay for free in XXXX is to mail a paper check or go to the branch to pay. All this on top of the excessively high interest rates they are already charging. The messages they have left me are even worse than the letters. The messages got so bad that for the last year I have left my voicemail full just because of them so that I dont receive any additional messages. This occurred after multiple harassing and sarcastic messages mainly from XXXX. The message on my voicemail advised to leave a message and I will call you back. XXXX felt it appropriate to leave me a messages in a sarcastic and ignorant tone advising something like shes doing what I ask but Im not doing what I say I will. More recently I was approximately 15 days past due and received a letter to call them and I could skip a payment. I decided to take advantage of this opportunity and called them to do this based on the instructions in the letter. The woman I spoke with took my information and advised me that she would call me back later that afternoon to confirm everything. I never received a return call and I foolishly assumed everything was updated. Then approximately 30 days after this, my cell phone was ringing non-stop one morning. My phone rang at least 10 times within a one hour period. I work in an area with a lot of secured information and we are not allowed to have cell phones on the floor, after noticing the amount of missed calls I thought it must be some sort of emergency and called the number back as soon as I had a chance. When I called back it was Mariner advising that my account was 45 days delinquent and they absolutely can not let the delinquency go into the next month. I was completely shocked and advised that cant be because they skipped the previous months payment. Mariner advised me they hadnt skipped that payment and I would have had to come into the office to sign paperwork for that. Never once in their letter to me or during the phone call request did they ever advise I would need to come into the office to complete the paperwork. I also never received any of the promised follow up from Mariner after I called to request the payment postponement. This is another way of how Mariner has taken advantage of me and I havent had the opportunity to pull my credit report yet, but if the delinquency was reported it was absolutely because of a servicing error by Mariner and needs to be retracted. Upon receiving that call I immediately paid both of the past due payments.
09/10/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 33409
Web
XXXX XXXX XXXX I am writing this letter to the above referenced account and transactions. This Vehicle was repossessed by in the state of FLORIDA and resold under the laws of the FLORIDA TITLE 11 UCC article 9 and UCC- Article 9 - Secured Transactions Part 6 Default 11-9-610. Disposition of Collateral After Default and Article 2 - Motor Vehicle Sales Financing 10-1-36. Disposition of Motor Vehicle Repossessed After Default ; Right to Recover Deficiency a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. please Provide copies of the legal notices and proof of the commercially reasonable Manner of the resale of the subject Vehicle. if no such proof is provided within 14 days from receipt of this notice the alleged claim of deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation if the FDCPA and FCRA in addition, if your singularly or severally to comply with above request. I reserve the right to seek damages. Against all parties involved under all available state and federal statues and UCC article 9 and article 9, article 2 remedies This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. To ensure a clear and transparent resolution, I kindly request the following documentation and information related to the vehicle repossession : Repossession Notice : Please provide a copy of the initial repossession notice sent to me. This should include the date of the notice, the reason for repossession, and any specific instructions or options provided. Account Statements : I would like to review a detailed account statement that outlines the outstanding balance, including any fees, charges, or interest accrued up to the date of repossession. Repossession Order : If applicable, please provide a copy of the court-issued repossession order, if one was obtained before repossessing the vehicle. Inventory Report : I would appreciate receiving an inventory report that lists all personal items found in the repossessed vehicle. This will help ensure that none of my personal belongings have been mishandled or lost during the repossession. Disclosure of Sale Information : If the vehicle has been sold or is pending sale, please provide information on the sale price, any associated costs, and the calculation of any deficiency balance remaining. Redemption Rights : Please clarify my rights, if any, to redeem the vehicle by paying the outstanding balance, as well as the time frame within which I can exercise this option. Contact Information : If there is a designated representative or department I should communicate with regarding this matter, please provide their contact information. I have not given you written permission to put anything on my credit profile. 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. your agency is in violation of 15 USC 1692g. your agency were to notify me of this in writing 5 days prior, I was not. I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] However, you Must Provide all required documentation listed Documentation between you and the repossession company Documentation from repossession company giving me proper 10 day notice prior to repossession of vehicle. All documentation of the total sold price resale of the repossessed vehicle All documentation proving that your company conducted proper legal procedures to repossess vehicle. This vehicle is sold higher than the original purchase price and the original amount owed your company can not collect extra fees from me the debt would then be complete and no amount would be owe from me to your company. if the repossessed vehicle is sold lower then the original purchase price your company must provide all documentation of the sale of the repossessed vehicle as well as the bill of particulars that properly and fairly calculates the remaining balance owe failure to do so real result and any and all legal concepts that will constitute a civil suit against your company and the repossession company failing to provide all requesting required documentation. your company has 10 calendar days to provide this requested information. your company also does not have the legal consent by me to furnish to any third parties concerning this debt. your company must remove and cease any furnishing of information regarding this that to any third parties you do not hereby have my consent. please respond via mail of all reflecting this letter thank you.
05/16/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • PA
  • XXXXX
Web
Please reference complaint XXXX for the underlying story. Since then the company has responded by stating that I signed a stipulation on XX/XX/XXXX. I was on a recorded three way conference call with Mariner finance branch manager, and the law firm representing them. The law firm has sent me no verification of debt at any point and moved to file a complaint in XX/XX/XXXX. Through failure to communicate with Mariner the outside law firm proceeded with the lawsuit not realizing that I had already been in the middle of a payment agreement with Mariner. Mariner has verified that the balance on my loan was for SIGNIFICANTLY less than the first stipulation that was sent to me ( again without verification, notice of right to dispute, and of that ) so I asked the attorney in XX/XX/XXXX to draw up a new stipulation if he wanted me to sign it. He said not to act until he contacted me and all the while I was still actively paying Mariner for the loan on the terms i worked out directly with the Branch. A lack of communication between the lender and the outside firm led the outside firm to reinstate the complaint in XX/XX/XXXX. I had an answer and New Matter drawn up to file when I again contacted the branch manager and the outside firm on a recorded three way conference call where the lender admitted all of this was because of miscommunication and I in good faith had the manager verify with the firm that the amounts requested on these stipulations were incorrect. The law firm corrected the stipulation and emailed it to me with a revised balance. I signed it and forwarded it to them and they told me not to file an answer or do anything else with the courts on that same call because the stipulation would be filed. The stipulation i mailed was time stamped and they received it and never filed it in a timely manner with the courts and a status conference has been scheduled with the courts for XX/XX/XXXX at XXXX because of their incompetence and instead of being able to present my answer and new matter which was my initial intent i am now outside my window to respond and I am susceptible to a default judgement. While the firm has promised to " expedite the stipulation and XXXX XXXX it 2 day to the court '' I have lost my faith in them as i have been calling 5-6 times a day and emailing and not getting any responses confirming it was filed because they were using it to deceive me out of properly defending myself. All of this aside they also failed to every verify the debt at any point in this collection process even though i have requested in on a number of occasions, have advised me against responding to the complaint because of the stipulation they never filed ( emails can be provided for confirmation of timeline and that they received the signed stipulation from me same day in the fax and 2 days later via mail as it was a time stamped envelope that I sent it in. The bank now says they have no influence over the firm because it is a third party and neither Mariner or the Firm could confirm the best person to pay for the stipulation because of the pre existing communication issues. They advised me when I signed the stipulation that I should pay the firm directly so I remitted a payment to the firm with the stipulation before the due date and for more than the minimum amount due and in return they were supposed to file the stipulation with the courts. Now i have records of these transactions, they have my money, and I still have an active court proceeding against me that I lost my right to respond to because they told me not to as a " provision to the stipulation its not necessary. '' I have done nothing but make my payments to Mariner and now to their outside firm and they have nothing but deceive me. The complaint they filed, the first stipulation they sent me in XX/XX/XXXX, and the one I signed in XX/XX/XXXX all show different amounts. They could not verify this debt and they have violated my rights as a consumer and I would expect the CFPB to take this deception by the lender very seriously as it is downright predatory in nature at this point. I can provide the stipulations showing the different amounts, the bank statements showing different amounts, the complaint showing a different amount. Ask Mariner or their outside firm if they could provide one verification of debt or that they acted in an appropriate manner. In fact it was brought to my knowledge that Mariner is acknowledging they have communication issues with this outside firm and they held a conference call about it because I am not the consumer who was negatively impacted by their incompetence. I think a full investigation of this matter is necessary.
07/22/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Loan payment wasn't credited to your account
  • MD
  • 21221
Web
It began On XX/XX/XXXX when my online access stopped working. I email In reference to making the monthly payment online and received no response. This continue to happen multiple times until I was able to reach someone in the office by XX/XX/XXXX which I was told their system has costant issues and its best to set up the payments on the phone. Throughout the year of XXXX to present I scheduled payments with the office staff and payments would not be taking out. The date specified. I always have to call back again to have them to put in the payment processing request. In XX/XX/XXXX I authorized two payments for the pass due bill in XX/XX/XXXX and another payment on XX/XX/XXXX the payment for XX/XX/XXXX was not taking out. On XXXX XXXX, I received a court notice stating Marnier fiance submitted a motion of judgement. Which I spoke to my loan specialist and made him aware that the payment scheduled did not come out my account and the manager made me aware of his mistake and set a new date for A small portion due. I Request and explanations on why would I be subject to accussal of defaulting the loan. Considering he did not submit the payment request. I was told that since my account did not reflect the pass due being paid and it was scheduled after the end of the month ( XXXX XXXX ) that I would need to signed the stipulation of settlement request form so I can keep my car. On XXXX I sent another email / called because the {$300.00}, schedule was not pending in my accoint. After speaking with the looanspecialist, heconfirmed that the request was put inThis payment was successful.this payment was for XXXX XXXX XXXX. Due to the many issue and possible judgement I decided to submit my future payment in the drop box for XX/XX/XXXX payment. I wrote a note on the envelope to call me to confirm that they received it. I gave them multiple calls. This payment was posted on XX/XX/XXXX. I was able to confirm on XX/XX/XXXX. On XXXX XXXX I made my loan specialist aware that I was no longer employed, as of the day, and would like to submit the unemployed insurance I have with my loan. I was told that I would needed to be fully approved by the unemployment office in order for he insurance agency to approve the request. Since I was current on my loan to wait until XXXX to submit the approval letter from the dept of unemployment and the insurance application policy. This way when I am approved for the loan I would be able to get the full amount of my monthly loan ad won't get late fees. On XX/XX/XXXX I received a motion to amend judgement from Marinier. I immediately called which I left a message and email my specialist to make him away that I would be contacting my lawyer because my account is current. My specialist called right away an apologize and started that he was not sure why his corporate office submitted this. I requested that it would be dismissed and he states that he would submit this request via email and not to worry. On XX/XX/XXXX the I called and left another message. I called to make him aware that I did not receive the approval from the dept. Of unemployment as of today. I called again on XX/XX/XXXX which I made him aware and to ask if he could accept the statement of Eligibility letter which is on the beacon portal. He stated that I would not be able to use this paper work and he would need the approval letter or transaction history to be approved. I asked if there was anything I need to do and I was told to keep following up with him. I called on XX/XX/XXXX to make him aware again that I have not received the approval letter and for a update on the dismissal. He started not to worry about that and they would not take my car. He noted the system and I would be fine. I requested that he submitted the dismissal request anyways which he stated he did and still waiting on response. Explained for the 3rs time that his office was understaffed and apologize. I received a call on, XXXX from my specialist stating that a payment for XXXX and XX/XX/XXXX needs to be submitted by the end of XX/XX/XXXX or they will take my car. I rebuttal that he didn't tell me that payments would still be due while I wait for my approval letter from unemployment. Reminded him that we were on a conference call with my family member during the initial conversation ; of me requesting to take the unemployment and that he would not accept the statement of eligibility letter from unemployment to submit to the Insurance Company. Also, the motion to amend judgement was not dismissed although I was current and should have not been filed on.
04/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 43078
Web Servicemember
I refinanced an installment loan in XX/XX/XXXX and fell behind on payments due to financial hardships and was going through a very difficult time in my life. I recieved a notice in the mail that a judgement was granted Against me in the amount of {$2700.00} from missed payments on this installment loan. I did not receive an option to appeal just the judgment results i but did receive a notice of garnishment. I called Mariner Finance and spoke to the office manager XXXX and agreed to make payments to avoid garnishment I begin making payments in XX/XX/XXXX. I continued making payments Until approx XX/XX/XXXX to avoid garnishment with the last one being XX/XX/XXXX. I missed a payment in XXXX And did not receive a notice that my payments would be garnished due to that failed one missed payment. My wages began to be garnished without any appeal option on the original amount of the judgment of {$2700.00}. I attempted to contact Mariner Finance and send them a final check of the {$200.00} and some odd odd cents that I owe them. My wages continued to be garnished with a total amount completed just with garnishment of {$2800.00}. I never received any of the money back/any of the money back that I had paid to avoid garnishment which totaled Over {$2600.00}, and when I called the company Mariner Finance I was met with just pure nastiness and disrespect from the manager stating that this was all my fault and Im the one who didnt make timely payments. I contacted the lawyer for mariner finance previously when I mailed him a check of the approx {$200.00} final balance in which was returned to me before wages were garnished and called their central office who referred me to their attorney again but said that they did not have a phone number for him. So my wages were garnished with the total amount completed and XX/XX/XXXX of XXXX in the amount of {$2800.00}. I thought that this was all over even though I was upset that they had taken the money that I had paid to avoid garnishment and pocketed it, but was just glad that the garnishment was over. I then received another garnishment notice for the same loan that has been paid off in the amount of {$160.00} which was completed XX/XX/XXXX. I attempted to file an appeal with the court and when I went down there the secretary told me it was probably just finance charges and she wouldnt even mess with it that because the balance is so low just pay them off and be done with it. So they took that garnishment of {$160.00}. I received yet another garnishment for the same loan and XX/XX/XXXX in the amount of {$1000.00} and that garnishment was completed on XX/XX/XXXX. I did file in a peer appeal but did not receive a court notice in the mail so they proceed to yet again garnish my wages. So my wages have been garnished three separate times for this one loan. I have documentation of my payments that will be attached. I also have their conflicting payment information that has different amounts and balances to different credit reporting agencies that do not concur with the same balances that I would find when I would log onto my account. they are reporting to the credit companies that I still owe them {$700.00}. I have paid them more than {$3000.00} over the fees in interest charged on the original loan and garnishment. Even on the court orders in the 3 different garnishments the finance company has a different amount due. This company continues falsifying documentation and has committed theft. Again I have the original loan documentation and all the wage garnishments that total more than the amount of the total loan with interest and fees over the last three years and they did not deduct the payments I made to avoid garnishment. On their website I do not even have a payment due until XXXX of XXXX which isnt correct either because this is been paid off and theyre stealing my money. I have disputed this with the credit bureaus multiple times unsuccessfully. Mariner finance continues falsifying payment information. And if someone from the credit beureo wouldve taken the time to calculate the payments you can clearly see that theres no balance due but yet yesterday they reported I still had a {$700.00} balance. I have paid over {$7200.00} to Mariner Finance when they total amount on the original loan with interest is {$4800.00} at a 30 % interest-rate. Im not sure if Im eligible to file criminal charges but I intend on talking to a lawyer soon to receive compensation for all the troubles This has caused me.
10/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 34491
Web
As a natural person, consumer, original creditor and executor per 15 USC 7006. Due to the UNITED STATES Bankruptcy of 1933 and passing of XXXX, the UNITED STATES is bankrupt and all debt is the obligation of the UNITED STATES. The bank CAN NOT loan money so why am I paying on a loan? As a result of this documentary evidence I am asserting my rights per my contract and revoking power of attorney by rescinding the transaction and arbitration agreement per 15 USC 1635 due to repeated FDCPA and TILA violations, fraud and all information and representations being false and misleading pursuant to 15 USC 1692e. MARINER FINANCE is collecting on an alleged debt that has been paid. I am constantly being harassed by this company, by mail, phone, text and emails per violations 15 USC 1692b, 15 USC 1692c and 15 USC 1692d. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I was violated before, during and after the consumer credit transaction by pulling my consumer report without permissible purpose, Identity theft and violating my right to privacy 15 USC 1692a. My consumer report did not need to be pulled, my signing of the negotiable instrument completed the consumer credit transaction, which is open ended. The transaction is a violation due to being charged a finance charge, which is the sum of ALL charges. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. I was charged additional fees, I never received the 3 copies of the right to recission and supported documents. The entire consumer credit transaction was complete at signing of the master promissory note, the negotiable instrument. Per my contract the alleged debt is paid in full in accordance with the law 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3.
01/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95070
Web
XX/XX/XXXX Could CFPB please notify the Mariner Financial Corporate Office, Mariner Finance , LLC, XXXX XXXX XXXX XXXX, XXXX, Maryland. XXXX. XXXX XXXX believed CEOs name. This is a courtesy, so the CEO is aware, there appear to be numerous federal loan violations. This involves XXXX, CA XXXX XXXX XXXX XXXX Branch, XXXX, XXXX, XXXX, XXXX Main ManageXXXX, as well as XXXX Branch. XXXX XXXX, an Assistant Manager received emails, shared with media and newspapers, as well as Banks. XXXX XXXX, affiliate of XXXX, just sent out a {$58.00} M Settlement Article on Plaid, which is an APP for lending businesses. Point being, settlements are awarded when there are violations in fair lending practices, truth in lending, federal non-compliance. MAIN OBJECTION IS DECEPTIVE PRACTICES. CHECKS FROM XXXX BRANCHES, XXXX MILES APART, ARE SENT TO XXXX DIFFERENT ADDRESSES LIKE MINI EQUITY LINES. THE CHECKS ARE DEPOSITED, CLEARED, FUNDS USED. XXXX SENDS A BILL, {$110.00} IS PAID. XXXX DOES NOT. ONE INQUIRES XXXX IS THE XXXX BILL. THIS IS WHEN XXXX COMBINES THE TWOMUCH HIGHER INTEREST RATETAMPERS WITH THE CONTRACTUAL ACCEPTANCE PAYMENT OF {$110.00}, NO PERMISSION. THE PAPERS ARE NOT SIGNED. CLIENT COERCED INTO ACCEPTING THE NEW CONTRACT LOAN OR IF NOT TO OBJECTMARINER CAN STOP PAYMENT LONG AFTER CHECKS HAVE CLEARED WHICH MAY BE UNLAWFUL AS IT CAUSES NEGATIVES, WHILE FORCING/COERCING NEW LOAN PAPERS AND HIGHER INTEREST WHICH MAY EXCEED REGULATORY STANDARD. NON ACCEPTANCEA CHECK FOR {$200.00} XXXX XXXX ISSUED XX/XX/XXXX, HAS NOT BEEN DEPOSITED AS THERE IS OBJECTION ON THE APPROACH. BASICALLY, LONG AFTER MARINER CHECK HAS CLEARED, WAS USED TO PAY YEAR END BILLS, TO PAYEES, MARINER ( XXXX ) STATES THAT THE MARINER CHECKS CAN BE STOPPED MONTHS LATER. PLEASE KNOW BANKS ARE INFORMED, XXXX, SENIOR PROTECTION ATTORNEYS, MEDIA TO KEEP WATCH ON THIS TRUTH IN LENDING, FAIR LENDING PRACTICES ARE IMPORTANT. THE CEO AND PRESIDENT MAY WISH TO CONSULT WITH THE BANKING EXECUTIVES XXXX ISSUES MARINER CHECKSAS THIS PRACTICE OF STOPPING PAYMENTS ON CHECKS LONG AFTER THE CHECKS CLEARIS BELIEVED TO BE HIGHLY UNLAWFUL FROM THE PERSPECTIVE THAT IT WILL BOUNCE PAYMENTS AND WREAK HAVOC IN BANKING CUSTOMERS ACCOUNTS, AS WELL AS THE PAYEES. THE PRACTICES MAY BE HIGHLY UNLAWFUL INSOFAR AS ELDERLAW PERSPECTIVES. OUR FAMILY PROTECTION TRUST AUTHOR/ATTORNEY IS THE XXXX US SUPREME COURT , US SUPREME COURT JUSTICE ( LATE ) XXXX XXXX XXXX XXXX XXXX EXCELLENCE AWARD WINNER. XXXX MARINER FINANCIAL IS POSITIVE TO HAVE BUT DID NOT EXPECT THE DECEPTIVE TWIST INTO THE NEW LOAN PACKAGE WITH CONCERNS THAT XXXX XXXX PAYMENT COULD BE STOPPED. THIS IS COERCION IN XXXX. ( XXXX ). SHOULD NOT BE IN THIS PREDICAMENT, AS TOTAL VALUE OF $ XXXX TO $ XXXX IS EXPECTED TO BE RETURNED TO FAMILY PROTECTION TRUST FROM CORRUPT PRACTICES, INTERFERENCE, EMBEZZLEMENTS, GRANT DEED FRAUD ATTEMPT, STEAL AND PURLOIN 1639 18 USC 641, MISCONDUCT AND FRAUDSANTA XXXX XXXX OFFICE OF THE LEGAL COUNSEL, XXXX, HAVE VERY SERIOUS USDJ/FBI FILES. XXXX TAX CODES CAN OVERRIDE LOCAL GOVERNMENT IMMUNITY CLAUSES AND HOLD ACCOUNTABLE THE AFOREMENTIONED. US FEDERAL JUDGES ASSOCIATION ARE INFORMED. INTERFERENCE IN XXXX, SHOULD NEVER HAVE HAPPENEDFPT NATIONAL EXPERT ATTORNEYS WERE LEGALLY COMPLIANT-COULD NOT BREACH ESTOPPEL. MARINER CHECKS WOULD NOT HAVE BEEN USED IF THERE WAS NO INTERFERENCEUSDJ/IRS TAX CODES CAN COUNTERACT WITH EMBEZZLING, STEAL AND PURLOINMISCONDUCT WHICH VICTIMIZED SENIORS AND XXXX WITH XXXX DISABILITIESONLY TO CAUSE THIS TWIST OF LOAN DECEPTION AT MARINER ( XXXX ) XXXX I AM INTENDING ON PAYING THE MARINER LOAN OFF AS SOON AS FUNDS FROM THE AFOREMENTIONED OR OTHER LEGITIMATE FUNDS EVOLVE, HOPEFULLY SOON. THE CEO OF MARINER FINANCIAL SHOULD BE MADE AWARE THAT THE PRACTICES USED BY THE PERSONNEL IN XXXX, CA POSSIBLY WITH XXXX XXXX XXXX LOCATION IN COOPERATION IS BELIEVED TO BE A CLASS ACTION WAITING TO HAPPEN, BOLSTERED BY SENIOR ELDERLAWS AS WELL AS, OUR FAMILY PROTECTION TRUST HAS XXXX WITH XXXX DISABILITIES, ( DDT ROOT CAUSE AS BELIEVED ). POINT BEING, ANY POTENTIAL VIOLATION CAN CARRY HIGHER SETTLEMENTS BECAUSE PROTECTED CATEGORIESSENIORS AND XXXX XXXX, COULD BE PERCEIVED AS BEING TAKEN ADVANTAGE OF IN THE FAMILY PROTECTION TRUSTs ESTATE OF WHICH I LEAD, WHICH IS A MULTI MILLION DOLLAR ESTATE. THANK YOU FOR YOUR REVIEW.
10/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45239
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mariner Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of a Debt Request Pursuant to 15 USC 1692g. BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any Judgements been obtained by any creditor regarding this account? Yes No Please provide me the name and address of the bonding agent for the COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You. This account was previously open due to Fraud, I have sent corresponds to all Credit reports and have ask Mariner Finance to provide proof of this account they have not Validated this account or have sent me the documentations on this account. XXXX has received all documents police reports FTC reports nor have they provided me with how they was able to verify this information,
01/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33810
Web
Mariner Finance # XXXX XXXX Amount : {$2600.00} I have contacted this company several times sending certified letters with a return signature to address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX This company have been receiving the mail but have never responded to any of the letters. I was told that an fraud package will be sent to me but I never received it. This has been ongoing for over 2 years now. I have sent them several police reports and identity theft affidavit. I call this common XX/XX/2023 at phone number XXXX, I spoke to their representative XXXX # XXXX in the customer relation department. She stated yes the information does not match and we just send checks out in the mail so someone could have very well cashed the check. Mind you I never authorized this company to obtain my personal information to for no reason at all, and this company never verified with any signatures or contract that I agreed to. So this company has violated many of my consumer rights and the federal law. I never agreed nor authorize this debt. I also spoke to the branch manager XXXX XXXX located at XXXX XXXX XXXX XXXX, Ohio XXXX on XX/XX/2023 at XXXX. During the call he was very rude and disrespectful. XXXX also stated that my information was sold to this company Mariner Finance from a company called regency. I never authorized neither company to obtain my personal information for any reason. I recorded all the calls and have proof of all the conversations. I also let XXXX know and he hung the phone up on me. This is how I know that he knows they have obtained my information illegally. This company has violated my consumer rights in multiple ways. This company has sold my person information to 2 other companies without my consent. This goes against all my consumer rights. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''. I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
01/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 430XX
Web Servicemember
Company communication practices are not fair. They only call you and do not send any information via mail. Mariner Finance sent me a mail communication with a live actual check that could be signed and cashed to get an installment loan with them. I followed the process and cashed the check in XXXX. I started receiving a business card in an envelope from Mariner Finance in XXXX, but nothing else. In late XXXX I finally received my account information. I signed up for their website and logged in to setup my recurring payment. At that time it showed that I was already late on my account but I had not gotten any information from them before the first payment was due. I then setup the payment to come out of my checking account monthly when the bill was due and logged out. In late XXXX, I received a letter from Mariner Finance stating that I was over 30 days late on my payment and that if the matter was not taken care of it would be turned over to any attorney. I again logged into my account to see what was going on and I found that my account number was entered in wrong. I immediately updated the account with the correct account information and a paid my account so is was now current. Then on XX/XX/2018 I checked my credit scores and saw that Mariner Finance reported my account as delinquent. I called the XXXX, OH office and talked to a rude associate that was no help that forwarded me to XXXX XXXX. XXXX stated that they had been trying to get ahold of me for months. I asked if they sent me a notification in the mail and she stated no, that is not corporate practice, that they only call customers. I explained to her that I have a company cell phone that I use and it blocks calls that are not in my contacts. She stated that this was my problem and the obligation was mine. I told her that my credit score had been damaged because of their inadequate processes. She stated that I needed to dispute it with the credit reporting agencies and it would be taken off. She also stated that she saw where I paid my account and it was current. I explained to her that this was because I received communication in the mail. I then asked her if the existing recurring payment would work due to the account information error. She stated yes. I watched my bank account and the charge never posted. So I went in and deleted the existing recurring payment and created another one and made a one time payment so my account was again not shown as past due. This company has created this issue with their poor communication practices. I pay my bils on time and feel that they are charging me late fees for something that was out of my control. On XX/XX/18, I received a call from XXXX XXXX stating that because my recurring payment online has been returned 3 times I can no longer use online payments to pay my bill. I now have to take a money order, cash, or certified check to a branch to pay my bill for 6 months. I explained to her that the reason the payment was returned was due to the account number entry error and the issue had been resolved. I even asked her on the phone in early XXXX if there was anything else I needed to do and she said no, my recurring payment was good to go. I explained to her that this was unacceptable and that I did not have time to drop off a payment at a branch and this was not my fault. She agreed and gave me her direct Supervisor 's phone number via email. I called XXXX XXXX and talked to him about the issue. XXXX was combative and unhelpful on the phone. He stated that the system says it sent out letter to me and that is all he could do at that time. He would review my account in 60 days to see if payments had been made to see if I could use online payments again. " Company policy '' is all I heard. I explained to him that I have never dealt with a company like Mariner and he just said the issue was my responsibility. Now, due to Mariner 's awful communication tactics, I have to take time to drive my payment to the branch and pay it. So they are making it even harder for their customer to pay their bill.
11/23/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • VA
  • 23185
Web
On XX/XX/2018 I went to a XXXX class in XXXX. I was approached by two classmates XXXX XXXX from XXXX Virginia and XXXX XXXX from North Carolina. They said that I was being investigated for something that my mother and I had done 20 years ago when I lived in XXXX VA. On XX/XX/2018 a flyer from an investigator was left on my door. picture attached. I have never committed a crime or anything questionable. Ever. And they are complete strangers. I asked them where did they obtain this information, because they are damaging my brand, and my name. I noticed that people were following me. And I wrote A CFPB complaint on XX/XX/2018. I nolonger felt safe in my vehicle, but couldn't voice this, as only my coworkers knew that I was going to XXXX and I would see vehicles tracing me at work and at home at the store, and at my church. This all fit the dialogue that I had with the associate at Mariner when we had the loan agreement. That they denied. After I made the report, the following tactics has changed. Now there is a man that happens to walk around the complex, as I arrive home from church or work. On XX/XX/2018, my daughter and I went to XXXX. She drove her car. We were followed from XXXX to XXXX XXXX. Shortly after we arrived, a couple came in and pretended that they were interested in a vehicle. They got into their vehicle and left. On Sunday, the XX/XX/XXXX, I called XXXX and asked them to retrieve the vehicle. My initial statement was that my loan amount was more than I had taken out for the vehicle, after two years. I did not want to disclose that I had an open complaint with the consumer 's bureau. On Tuesday, XX/XX/XXXX, at XXXX there was a man standing out by the exit where I typically exit. I took pictures of him. He saw that I was filming and he ducked his head and briskly walked around to another building. The same day, I noticed that every time I left my building, cars would circle like sharks. And people would just so happen to be standing where they could get a good view. One of which was a XXXX, XXXX man with XXXX. I called XXXX at XXXX XXXX and I requested that they pick up the vehicle because I no longer felt safe, and I had already filed a complaint against Mariner Finance. They responded quickly and gave me the appropriate information. On Wednesday, XX/XX/XXXX, the tow truck Driver came got the vehicle at around XXXX. After they picked up the vehicle, I took the tags to the DMV. While on my way, I saw the same man that was standing outside of my job, ( XXXX with XXXX ) driving a XXXX pick up truck, a young lady was beside him, filming me with her cell phone, When I acknowledged using eye contact a nod and mouthed I see you. She stopped. Beside me was a XXXX XXXX police squad car. The driver was wearing a yellow neon jacket. I turned into the DMV. And went in. When I got into the DMV, XXXX called me. I ignored the call. As soon as I got out, I called them back, and parked in the adjoining parking lot. Next to a XXXX XXXX XXXX. A man was in the car. Within watching distance, the XXXX XXXX police car pulled up and the driver just watched me. So all of a sudden he steps out, and 'looks under the hood. ' Plate number XXXX. I have pictures. When I got on XXXX, the police car followed me. There was a large truck between us, that it attempted to use for cover. I turned into the left turning lane at XXXX XXXX, and turned into the shopping center, and went home. This leads me to believe that this is Mariner 's doing still. About a year ago, she had asked me if I changed my hair. And I had went from really curly to extremely straight. Although I wouldn't leave XXXX out. I separate complaint will be filed. Which ever company is trying to use fear tactics. They have used people to come into my church and watch and record me. And this has been going on for more than a year. The associate at Mariner said that they would do things like this. And I am a XXXX woman with XXXX children in today 's society.
03/15/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • SC
  • 295XX
Web
I was contacted by Mariner Finance in XXXX in regards to obtaining a personal loan since I applied with a partnering company online. I was working with XXXX and she advised she was able to offer a loan if I combined it with my truck financing. I advised to XXXX that I was not wanting to sign on a loan involving my truck if it will not allow me to be able to separate in XXXX and be able to trade my truck in. XXXX reassured me multiple times that I will be able to separate the loan and be responsible for the personal loan amount remaining. She did not advise of any other stipulations that may be involved when doing so. After going to the office to sign the contract, I was assured again that I would be able to get it handled. On XX/XX/XXXX, I was involved in a motor vehicle accident where a XXXX hit me in the back and was unsure if the truck would be considered total loss. I contacted Mariner and advised them I would like to hold on my payment until I received a prognosis on my truck from the body shop. I also gave a heads up that I was ready to get the loan separated so that if my truck was repaired I would have been able to trade it in after getting it back. I spoke with XXXX, the branch manager and she assured me there were multiple ways she would be able to separate the loan and that she was working on it. She advised she may have to do another credit pull also in order to see if I qualified for a personal loan of XXXX that I received initially. I was not advised of that stipulation until she mentioned it Even then I was cooperative and told her I was willing to do a repull and knew that my credit score had increased over that time. I would call her every few days to get an update and she stated she was waiting for the eTitle to upload to her system and everything would be good to go. At that time I gave the car dealership rep her contact information also so he can get whatever information he needed from her so it could be a smooth transition. She also assured him multiple times that everything looked good and also stated that if the dealership was able to pay {$15000.00} toward the truck she will separate it then and allow me to be responsible for the remaining {$5000.00}. After multiple attempts to reach out to her after her reassurance, every time I would call the office, she was either away or busy. I then called their corporate number in order to see if I could get some resolution on their end regarding the loan since at this point we were still waiting from a call back or response from XXXX. The corporate rep sent a message to the regional manager advising him to contact me about my concerns. I then finally received a call back from XXXX stating she was advised that I called the corporate number and that I told them I was unable to contact her about the progress. She then proceeds to tell me that there is nothing she can do to separate the loan and in her words Im sure your credit score hasnt changed in order to get you approved. I requested for her to attempt to do a credit repull just to see where my score ranged and she denied me as a consumer that opportunity. After going on their website I saw where there was an update for a personal loan and where a credit monitoring update was uploaded. It showed where my credit score went up XXXX points compared to my original score when they pulled for the original contract. I have contacted the corporate office multiple times since then to see if I could speak to the regional manager myself and still havent received a call back. I feel like this is an integrity issue on Mariner Finances behalf because they took advantage of me as a borrower with guaranteeing what they could not deliver and it put me in a position where I am now stuck with a loan contract under their terms that wasnt completely explained and where I did not get in writing of the promises they continuously made in order to get me to sign that contract.
07/29/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • NM
  • XXXXX
Web
On XX/XX/XXXX I entered into a loan with Mariner Finances XXXX branch for {$7500.00} at 35.98 % interest and a monthly payment of {$270.00}. They included an HP laptop worth {$1500.00} and a XXXX TV worth {$700.00} as collateral. They offered insurance options to add on to the loan. I declined and proceeded to go through the loan signature process. I noticed the insurance included that total {$1600.00}. I told them I declined and they said I would have to start the process over and wasnt guaranteed to get the loan a second time. I reluctantly agreed. Shortly after that, I was transferred for work and began struggling with bills due to increased expenses. I made several attempts to work with this company but they refused to allow me to make smaller payments to catch up and they called me daily and often multiple times a day to threaten to sue me and take my assets if I didnt comply. I was forced into refinancing my loan in XX/XX/XXXX and XX/XX/XXXX, which resulted in a monthly payment increase of around {$440.00} and having to borrow additional money for the refinance to be approved. I was already struggling to make payments and my payment was greatly increased. This increased monthly payment also included the insurance that I have denied every time. They told me it wouldnt be included and then at the last minute it was in there and they were threatening the same thing about me not being guaranteed to be approved a second time if it was removed. I began struggling again and was forced into another refinance in XX/XX/XXXX. This time I demanded no insurance be included and they claim it wasnt. However, I now owe {$11000.00} and my monthly payment is {$400.00}. The interest rate appears to have stayed the same. I am still struggling with this high monthly payment and have had some recent unexpected expenses. I began sending payments in late in XXXX and have not been able to catch up. From XXXX to XXXX, they called me multiple times a day while I was at work and caused me to get in trouble for answering personal calls so often. Each time they called to collect my monthly payment they threatened to sue and seize my assets if I didnt pay up. I called the XXXX branch manager to complain and she denied any of this was occurring. They accused me of lying about not wanting the insurance and not having enough money to pay them. In XX/XX/XXXX, they tried to force me to refinance again. I refused and demanded they stop calling me at work. They started only calling me once a day. I was able to send in the XXXX payment but can not send them the XXXX, XXXX, or XXXX payments and they will not accept partial payments. A few weeks ago I spoke to a man there who said if I dont pay up I will be sued and he will make sure they garnish my paycheck and seize my land. I complained again and they denied that was said to me. Now it is the end of XXXX and they call me every afternoon and every Saturday to tell me I will be sued if I dont pay. They actually called me 3 times just this Saturday after I had already answered once and spoke to someone. They claim they have helped move XXXX payment to the back of the loan once this year and multiple times before so they are not offering any assistance. I have calculated that my loan includes around {$6700.00} of insurance packing that I didnt want. They charged {$350.00} for life insurance, {$730.00} for XXXX insurance, and {$600.00} for involuntary unemployment insurance each time they wrote this loan up. I want that money back. Im on the hook for {$11000.00} and if XXXX cant catch up they are going to sue me for everything I have because they can. There has to be some way to get them to stop and be reasonable. The least they could do is take that insurance off my loan and change my monthly payment back to {$270.00}.
08/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 371XX
Web
I obtained a loan from Mariner Finance in XXXX Tennessee. After paying on it for a little while I had a bad string of luck and got behind. They in turn placed my account with their attorney 's office ( XXXX XXXX XXXX in XXXX ) for suit to be filed. I contacted them and set up an arrangement, per the attorney, that if I continued to pay a set monthly payment they would continue the case so as not to obtain judgement on me. I faithfully paid for two years, missing only one payment with the permission of XXXX XXXX ( the branch manager ) due to me getting married. I paid extra the next few months to get caught up. The whole time Mariner Finance is reporting to my credit that I am current and paying on time. When I paid my XXXX payment this year I knew I was getting close to the end. Mariner had my total at {$320.00} and some change but I knew that the attorney 's amount was a bit different due to fees and court chargers. I called the attorney 's office in XXXX of this year and they informed me the TOTAL balance ( fees, court cost, and the remaining balance of the original suit ) was {$110.00}. I called Mariner back to again make sure. They said that they would balance their books to the attorney 's total because that is what is truly owed. I called the attorney 's office starting XX/XX/XXXX of this year to confirm the balance and to see how I could pay the remaining balance. For the next two weeks ; myself nor Mariner Finance ( whom I had contacted to see if they could get an answer since they would not return my calls ) could get them to answer a phone call, return a phone call, or even return an email sent by the branch manager for Mariner FinancXXXX. On XX/XX/XXXX I finally was able to get a hold of the Law Firm and pay them the remaining {$110.00}. I was given a receipt showing final payment and the date of XX/XX/2019. A few days later I received a PAID IN FULL letter from the attorney 's dated XX/XX/2019, that was sent to XXXX County Court asking them to dismiss the case and that the matter was paid in full. Then the first week of XXXX I had an alert on my credit that Mariner Finance reported that I was 30 days late on a payment and that my balance was {$320.00}. My payments were due on the XXXX of each month I paid XX/XX/XXXX with the FINAL payment. That is only 13 days NOT 30!. I called and spoke with TWO managers who told me to contact the customer care line at their corporate office. I called several times and NEVER got a return call. A week later I called the XXXX Tennessee branch and was directed to the location that the area director was working out of that day. I called and spoke with the area director who explained that he was out on vacation the previous week. After speaking with him and sending him a copy of the PAID IN FULL letter he stated that he would get with the corporate office and get it taken care of and to give him two business days to get it done. That they were going to waive the " remaining balance '' because my letter does state PAID IN FULL! Then on XX/XX/2019 I had ANOTHER late payment hit from them on my credit report showing that I am now 60 days past due! But how can I be 60 days past due when the debt has been PAID IN FULL? My credit has now dropped 55 points in two weeks and has cost me a car deal that I was working on for a new car and I can not be on the mortgage for my house that my wife and I were going to refinance. It has been a full week now, I reached out to the area director saying that this was UNACCEPTABLE, and the only response from the area director was " I hope to reach out to you tomorrow ''. That was on Tuesday, it is now Thursday evening and I STILL have NOT heard back from him or anyone else from Mariner Finance!
12/05/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Title loan
  • Can't contact lender or servicer
  • NC
  • 273XX
Web
The company at first would not take any payments from me and made me get months behind. The branch manager and I got into argument and I called another branch to get supervisor of her. For XXXX months I have had to call her boss.The company is rude to me stating I am the problem.The manger of the location blocked where I could not make payment online.The Boss of the manager had her allow me to make payments and online.I made XXXX payments and waved a payment, so XXXX payments made. They are still stating I am behind but will not speak to me to state how I am behind, and I am not able to go to location due to the manager threaten to fight me and going back and forth with her, the threats made by branch manager, but they tell me to pay online and I do not need to speak to anyone about my account.Just pay online a payment and that's it, no matter if account is wrong or if I have questions about my account, and I do, just pay online. No one wants to speak to me and nothing is wrong with your account they state without speaking to me. Yes, it is something wrong with my account, I am not behind and it should not report or show that I am behind. The boss of the manager tells me this on XXXXThe location manger advised no one for me to talk to and no one wants to speak to me. She will have her boss XXXX call me back on XX/XX/23. On XX/XX/23 another XXXX which is boss calls me back and rude and did not allow me to speak. Told me I am the issue and you are calling every month. Did not allow me to speak. I had a witness listen to her. It got so bad I hung up the phone.They make it hard to make payments, communicate with them, and reporting I am late with the account and that is not true. I am being threaten and can not speak to anyone about the account. Just make a payment is what I was told on XX/XX/23. I owe over XXXX XXXX dollars to this company and it is becoming an issue to pay them or communicate with them. How can you report to the credit bureaus that you are behind but will not accept payment? How do you think someone will make payments online but can not speak to anyone of the company about your account and they are reporting wrong and have you listed and showing behind and you know you are not behind, especially if you agreed and made XXXX payments with XXXX of the XXXX being waved and placed behind the loan by them.This company needs to be shut down! I can not accept the abuse from them any longer. Mariner Finance is a horrible company and I do not refer anyone to deal with them. They are a very nasty, rude and unprofessional company to deal with. They speak rudely to you and harass you but will not take payments if you are dealing with a manger of a locations and they do not like you. The XXXX North Carolina branch has a manger named XXXX and she is the up most rude, abrupt person I ever known. The business takes up for her allow her to do unprofessional things and say unprofessional things to the customers. I was advised I could not move my account to another locations unless I reapply, file a credit report out, and certified and get reapproved to just move my account I already have with them to another location. That is ridiculous and something I should not half to do if I am already a customer with an account owning over XXXX XXXX dollars. I am not the issue, it is your employer and label a manger at your XXXX location.The boss ( XXXX ) and the manger of this company are rude and insane. I have recorded phone calls and had witness by to hear and witness their behaviors. All unacceptable and unprofessional from both levels of management. I have still not been able to discuss my account with them and so desperately want away from this company. Please help!
06/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • MD
  • 20653
Web Servicemember
on XXXX XXXX, XXXX Mariner Finance was awarded a judgment against me. Immediately after they had a writ of garnishment issued against my wife and I 's joint account at XXXX XXXX XXXX. My wife is not a judgment debtor only myself and the account was opened in XXXX ( judgment pursued in XXXX. The judgment was for {$1600.00}, XXXX XXXX XXXX placed the hold for approx. {$2100.00} which was in excess of the amount of the judgment. XXXX XXXX XXXX also held deposits on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted Mariner Finance via telephone at XXXX on XXXX/XXXX/XXXX called was placed to XXXX XXXX at Mariner Finance legal department and a message was left on voicemail to return my call. XXXX/XXXX/XXXX XXXX XXXX returned my call at XXXX Explained to me my money was tied up and I could do nothing to get it reversed, I was also told that I " was n't too smart are you? '' XXXX XXXX did give me a number for the local XXXX, MD Mariner Finance office to call.XX/XX/XXXX at XXXX called the XXXX, MD Mariner Finance office and talked to XXXX, XXXX informed me that I would need to tell her the total of all the money in my account and call back. XXXX also asked for my employer 's information and would n't help me until I gave it to her. XXXX/XXXX/XXXX XXXX called XXXX back at XXXX, MD Mariner Finance and gave her the total amount in my Bank account hoping for resolution, XXXX told me she would return my call in a couple of hours to help get a release the funds. XXXX/XXXX/XXXX at XXXX XXXX called XXXX Mariner Finance and asked to speak to XXXX. XXXX informed me I would have to bring {$500.00} in cash to the XXXX, MD office and they would release the funds. At this time I informed XXXX that the account they placed a hold on was a joint account with my wife and they were in violation of Maryland statute 11-603, XXXX responded by telling me to get an attorney to call there attorney. XXXX/XXXX/XXXX XXXX called XXXX XXXX at Mariner Finance legal and informed him Mariner Finance was in violation of Maryland Statute 11-603 by garnishing a joint bank account without my wife being a judgment debtor. XXXX said he had nothing from XXXX XXXX XXXX stating that was a joint account so he would n't be releasing anything. XXXX/XXXX/XXXX attended via telephone a free consultation with a bankruptcy attorney who directed me what district court motion to file to try and get the bank account funds released. Motion was mailed to XXXX XXXX 's district court on XXXX/XXXX/XXXX and was filed with the court on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX XXXX XXXX attorney for Mariner Finance issued a writ of garnishment of wages to be served on my employer. I am the only income for my family. My wife and I have XXXX children from the ages of XXXX months to XXXX years old. I have told Mariner Finance that I am the head of my household and they are tying up money that my family needs to survive. In response Mariner Finance has tied up even more money. They already have my bank account money held up with the courts and now they are trying to take 25 % of my paycheck that we now need all of for basic necessities ( electricity, water, food, medical, gas, insurance, etc. ) in addition to trying to pay an attorney to help us. On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX manager XXXX informed me that XXXX XXXX XXXX could not release the funds placed on hold because XXXX XXXX attorney for Mariner Finance submitted the writ of garnishment claiming Mariner Finance was a state agency which made the garnishment in violation of Maryland statute 11-603 legal. Please investigate this claim as perjury to XXXX XXXX 's District court. Mariner Finance is a private institution and not a state agency in any capacity.
11/06/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • VA
  • 23185
Web
They have hired 'private investigators ; to ask questions about my employment, and my neighbors. They use such intimidating tones that my neighbors and coworker felt like I was in some sort of danger. and they were fearful for me. They told them that I owed them a whole lot of money. They also stalk ( stake out ) my apartment and whereabouts and follow me home, work and out shopping, and my daily walks. I agreed that they could use a PI to verify and check on the truthfulness of my part ( work and home address ) But these people are stalking me. and my adult children. They have not provided any statements as far as pay off remaining amount. When I leave for work at least 5 vehicles follow. In the process of receiving the loan, they had me swear that I would keep in contact with them or they would hire investigators, even when I was in constant communication with them they had people following me. They said that I couldn't join a class action suit. And my loan amount was for a little under XXXX. However she made me sign a paper saying that if I ever defaulted on the loan that I would be charged additional fees such as investigator fees up to XXXX. So I signed to agreements, the one for the proper amount then the other for the XXXX. and a nondisclosure. And she said if it came down to that the latter paper would only be shown in court. And when the company would present the agreements to the investigators she would only show them the latter because no one would want to do checks on someone with that small of a loan amount. She also made me sign a paper saying that I don't have XXXX or XXXX issues, if I have to be investigated. And that they only give these type loans out to a handful of people and her office manager had to be in the room to witness this. And made sure that I wasn't recording the conversation. She also said that if ever questioned about she is obligated and covered by the company to say that " this is a financial institution, they don't do that. ' she also said that the private investigators would only verify where I worked and that it could only be up to 30 days, not necessarily consecutive. And that everything that I have just stated above couldn't be subpoenaed. And I agreed to be 'checked on and verified. ' And I was very stressed out about my money situation because I am a single mom, paying for everything concerning my kids. They have paid neighbors and children to stalk me and my family. I have yet to receive any official letter from them or correspondence, about anything about my loan. I asked for my account number never received it. I also overheard them deny that they had been following people etc. when I first walked in to the establishment one time. And as we were making the current loan agreement, I said, " so that was actually a thing? '' They have done this to other people, that's why they are so good at hiding their trails of harassment and intimidating. I haven't made a payment in a few months, ( since the last time I was told that I was stalked ) and I still haven't received any letters from the company stating a balance due or anything. Anonymous phone calls have also stopped since I have started logging and video recording the people following me. I would also like to add. that I am a law abiding citizen who fell on hard times. I don't even have a speeding ticket. And I have been working at this job for over a year, they did an extensive background check before my hire date. so I know this is not a criminal investigation. As long as they have been following us, they would have had plenty of evidence by now.
04/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 631XX
Web
I first notified Mariner Finance back in XXXX of an account that is reporting on my credit report that is not mines. This is account was fraudulent obtained by a relative of mine who has a similar name as mine. I was told from Mariner Finance attorney to have a copy of a letter notarized from the relative stating that this was not my account and that I was not responsible for the bill. Once I did that I was told by the attorney to send a copy of the notarized letter to Mariner Finance and they would delete it off of my credit report. I did that as well and it was never deleted off of my Credit Report. Mariner Finance Collection Company continued to call and harass me regarding this account. They called in XXXX and again in XXXX demanding that I pay this. In XXXX I was told from a representative that they would be deleting it from my credit report and that I would not be getting anymore calls. Upon me trying to obtain a house in XX/XX/XXXX, I discovered that this was still showing up on my Credit Report. I contacted Mariner Finance by phone in XXXX disputing this account once again. I was told that I owe the money and that I needed to pay it. On XX/XX/XXXX I then sent in a letter to all 3 Credit Bureaus ( TransUnion, Experian, Equifax XXXX disputing the accuracy of an account reporting on my credit report that was not mine.I was also disputing the several inaccurate addresses on my report that belongs to the relative who obtain the Credit. I also asked the Credit Bureaus to send me documentation that I signed for this loan as well as the name of the person who they contacted from the Original Lender. On XX/XX/XXXX I received dispute results back from all XXXX Credit Bureaus stating that the account was verified as accurate along with the different addresses. I never received any other supporting documentation with it. According to the FCRA if the Credit Bureaus nor the Original Data Furnisher can provide me with supporting information within 30 days of the dispute they must delete the inaccurate information from my credit report. How is it possible for all the Credit Bureaus to get accurate information from Mariner Fiance when I truly have proof that this information is inaccurate along with the addresses. That leads me to believe that the Credit Bureaus did not do a thorough investigation nor did Mariner Finance send them accurate information. I have a notarized letter from the person who got the loan in my name. The notarized letter specifically has his Social Security Number on there along with his full name. On the letter you will see that we have the same first and last name. Same middle initial. However, it is a different Middle name although it is the same INITIAL. As I stated before, I have been dealing with this since XXXX. I have given MARINER FINANCE, ALL 3 CREDIT BUREAUS ample amount of time to rectify this issue to be removed off of my credit report. If this is not resolved this time you all leave me know choice, but to retain a FCRA Attorney and file several lawsuits. If won I can be awarded up to {$1000.00} per violation and you all have violated several of my rights. Please have this inaccurate information along with the addresses DELETED immediately from all 3 of my CREDIT REPORTS. This inaccurate information reporting is apprehending me from securing a Home Loan for me and my family. I await an updated Credit Report along with a letter informing me that you all have notified all 3 Credit Bureaus to remove the inaccurate information from my credit report. Respectfully, XXXX XXXX XXXX
02/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30318
Web
XXXX XXXX {$2200.00} XXXX XXXX The reporting of this account is in violation of 15 USC 1602 ( B ), The Fair Credit Reporting Act [ 15 USC 1602 ( B ) ] I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this 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 direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( XXXX XXXX ) did not disclose this information to me that is required by federal law. ( XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. ( XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. XXXX XXXX IS RESPONSIBLE FOR PROVIDING ALL 3 DISCLOSURES. ALL 3 DISCLOSURES WERE NOT PROVIDED THEREFORE THE ACCOUNT MUST BE DELETED FROM MY CONSUMER REPORTS IMMEDIATELY! You are in violations of several federal laws and you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. The reporting of this account is also in violation of [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : The Fair Credit Reporting Act, [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 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 ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : 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. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX
12/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 628XX
Web
I fell behind on my loan with Mariner Finance due to having to have an emergency XXXX XXXXXXXX and also due to inflation and my bills. I am a twice widowed mother living on one income and paying all alone. I work for the XXXX XXXX XXXX XXXX XXXX XXXX and barely getting by, in fact NOT getting by when an emergency comes up. On top of this someone broke into my house right before XXXX and stole all items I was using for collateral on the note, all of which were old anyway and not worth much. Anyway, I fell behind two payments and kept in contact with Mariner, returned every call. The last time I talked to them was just a couple of days ago, my mother was right here listening to all! I told them I could not make the full payment to get caught up of {$800.00} until my second payroll check in XXXX, so on XX/XX/2022 but I would pay the full {$800.00} then and get caught up and I have never been behind with them or anyone else except right now and have had several loans with them and XXXX whom they bought out!! They said that would be alright but that it would hurt my credit rating on my credit reports. I am only paid two times a month working for the XXXX and my next check has to pay my rent and car payment or I will be living in the street and have no way to get to my job two hours round trip away to make money!! They are just being XXXX!! Then today they send me the attached letter harassing and threatening me and demanding I pay them the full loan now or they will sue me!! This is harassment and I want it made clear to them to CEASE AND DESIST ALL CONTACT WITH ME, MY FAMILY, MY EMPLOYER OR ANYONE I KNOW!!!! They are crazy and unstable, and they are also not to come to my home, or I will have them arrested if they do or get my XXXX out and protect myself!!!! XXXX!! They could not wait two weeks for the payments this is intentional!!!! Pull up " Lawsuits against Mariner Finance and complaints against Mariner Finance and pull up the XXXX listings '' they are a bunch of crooks charging poor people and widows like myself usuary interest rates, then intentionally harassing and suing all for the money so they can pad the bill more!!! I want the law enforced on them. I have also filed complaints with the FTC and have contacted Joe Biden and Barack Obama along with many republicans I know. XXXX XXXX and the Wallstreet bankers are the ones running this crooked operation and I want it shut down NOW!!!!! I am insolvent, so they can sue me all they want, you can't get blood from a turnip! I am the one who will be suing them for harassment, and I want your office to enforce the FDCPA and FCRA laws on them!!!! The only hope they had was to be patient and let me make the payments as promised, they have never helped me or allowed me to be late. I have an excellent pay history with ALL of my creditors, these XXXX are just that XXXX!! They are evil!! You will understand when you read the reviews about the online. You let them know they can only contact me by letter going forward and if they want their money they best XXXX XXXX, back off and wait until I can make the promised payments. I won't be bullied and will find some in government to bully them right back and will file charges against then for the same and put them in jail! I know most of the police force, including the state police as I worked for the XXXX as a XXXX XXXX for years. I know lots of people. Make them follow the laws!!!
03/05/2021 Yes
  • Credit card or prepaid card
  • Government benefit card
  • Unexpected or other fees
  • VA
  • 23601
Web Servicemember
I entered in a consumer transaction with MARINER FINANCE for replacement windows. I entered the transaction with the use of my open-end credit plan attached to my social security card and the transaction had a finance charge which the law says covered the purchase of the windows, so I disputed the alleged debt. The amount of credit extended to myself was {$14000.00} according to the finance charge and the amount financed was {$12000.00} they added them together and billed me for {$26000.00}. 15 USC 1605f ( 2 ) ( A ) states that except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended, so I disputed the debt because law is telling me the company deceiving me about credit and furnishing me deceptive forms. MARINER FINANCE populated their documents with information to create a false narrative that the creditor ( myself ) and the consumer ( myself ) owes them the alleged debt in question when the sum of all charges encompassed in the finance charge more than compensate for the funds they believe they are owed. Had the Finance charge been applied correctly with respect to this consumer transaction I would not have received any monthly statements for cash payments. MARINER FINANCE used deceptive forms to make me believe I was a barrower that had applied for a loan. The same forms were also used to make me believe I was not the original creditor and my social security number had nothing to do with this consumer transaction beyond identification. The same forms were used to deceive me into thinking they could validate this alleged debt. When in accordance with 15 USC 1692 the only one that can validate a debt is the one that created it. They did not create this alleged debt so in-turn can not validate it. I was never applying for a loan. I was extending myself credit through my open-end credit plan attached to my social security card/number. I disputed the validity of an alleged debt being collected by Mariner Finance. I sent them 2 Affidavits, Cease, and desist ( 15 USC 1692c ), Requests for validation and invoices. The first packet was sent on the XX/XX/2021 and the second one was sent out on the XX/XX/2021. I have still been receiving phone calls from the company and a warrant of in debt from my local courthouse after sending the aforementioned documents because they went down to the courthouse to initiate legal action against me after being notified that the alleged debt was being disputed. Title 15 of the USC 1692g states that collection activity was supposed to stop as well and any legal action until the company provides validation for the debt and the name and address of the original creditor. I have not received either of these. The latest harassing call from the company was received on the 2nd of XX/XX/2021. The Call came from the manager, XXXX. He told me the laws sited in my Affidavit of truth from the FDCPA, FCRA, and Truth in lending was just internet XXXX and his legal team told him to proceed with legal action, and phone calls. He also told me he already has a lien on my home and wanted to know if I was going to be in court on the XXXX because he wants to get more. Where I am going to be on a date in time is my business, but he is still violating my right to privacy.
06/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 226XX
Web
Through my divorce in Circuit Court, I paid my legal obligation of an account jointly owned with my ex-husband. After I paid my portion as stipulated by the Circuit Court, my ex-husband elected to default on his legal obligations and pay nothing. I filed a suit with the Circuit Court to hold him in contempt. The creditor, Mariner Finance, filed a civil suit in General District Court against both, me and my ex-husband for non-payment in XX/XX/XXXX. My lawyer informed the judge of the District Court of the pending case in Circuit Court and continued the case to XX/XX/XXXX. My case in Circuit Court was held in XX/XX/XXXX, and I agreed to bring the Mariner Finance loan current to close the District Court case, and pursue this debt against my ex-husband solely through Circuit Court. I did as promised and brought the account current on XX/XX/XXXX with a payment over {$1300.00} and have continued to make the monthly payments. My lawyer, Mariner Finance and the General District Court, told me I did not need to come to the court hearing in late XXXX, since I brought the account current and it was no longer delinquent. I should also note, while my ex-husband refused to communicate with Mariner Finance, I stayed in contact to keep them informed and apprised of my progress through the separate case in the Circuit Court. While I understand most creditors don't care and just want to be paid regardless of who is responsible, I wasn't evading this creditor or communicated false information. As I was told I didn't need to go the XXXX court case, Mariner Finance went to the hearing and was told me they would notify the judge the account was made current. I received a court notice in XXXX stating this case had been continued to XX/XX/XXXX! I called Mariner and asked why there was another court date, when the last time we spoke, I made the account current. They said they asked the judge to extend the case to XX/XX/XXXX in case I stopped making the payments. For me this was deceiving of Mariner, but I wasn't concerned because I know the payments would be made. I noticed in XX/XX/XXXX my credit score was not improving and pulled my credit reports. All 3 credit bureaus stated this account was closed, in collection, failure to pay and other false information. I called Mariner Finance and they stated they didn't have to report this information accurately until after the XXXX court case. This is against the FCRA regulations. They must report " ACCURATE '' information and are not permitted to intentionally report false data or withhold accurate data to damage a consumer. I filed a dispute with the credit bureaus in XX/XX/XXXX, and Mariner responded with an updated balance, but refused to report the account was current since XX/XX/XXXX. It is now 4 months past and this account is showing 5 months late, needlessly damaging my credit and FICO scores and preventing me from getting approvals for basic anything. I've submitted disputes again to all 3 credit bureau 's, but wanted to send this complaint as well, since they refused to report the facts in XXXX, I'm less than confident they will respond any differently in XXXX. I've attached proof of payments, the loan documents, the previous XXXX dispute, and my XXXX credit reports from all 3 credit reporting agencies, XXXX, XXXX, and XXXX.
10/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92377
Web
I would like this removed from my credit under these consumer laws Section 604 U.S. Code 1681B Which states Section 604 ( a ) of the FCRA identifies a limited set of permissible purposes for which a consumer reporting company may provide a consumer report to a user. [ XXXX ] The XXXX is aware that some consumer reporting agencies use insufficient identifiers in matching procedures, such as name-only matching, which can result in the provision of consumer reports to persons without a permissible purpose to receive them. The permissible purposes for which consumer reports are most commonly sought are those identified in FCRA section 604 ( a ) ( 3 ), including for purposes related to credit, employment, insurance, and rental housing. Under section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has XXXX of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request. The XXXX interprets the permissible purposes in FCRA section 604 ( a ) ( 3 ) to apply only with respect to the consumer who is the subject of the user 's request. As well as Section 605 A 15 US Code 1681 C-1 Which states ( a ) One-call fraud alerts ( XXXX ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a con- sumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any XXXX XXXX generated in using that file, for a period of not less than 90 days, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the iden- tity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies de- scribed in section XXXX681a ( p ) of this title, in ac- cordance with procedures developed under section 1681s ( f ) of this title. As well as Section 605 B US Code 1681 C-2 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the re- porting of any information in the file of a con- sumer that the consumer identifies as informa- tion that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the in- formation is not information relating to any transaction by the consumer. Thank you Signed XXXX XXXX
02/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21215
Web
I am forming a complaint against both companies Mariner Finance and XXXX. In XX/XX/XXXX I became late with my Mariner Finance loan. A letter was sent to my home in XX/XX/XXXX from Mariner Finance in reference to them taking me to court on default of my loan. On XX/XX/XXXX, I went into my local Mariner Finance office located at : where I made a payment of {$210.00} which included my XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a female customer rep that handles court judgments ( I believe her name was XXXX or XXXX, whomever handles judgment accounts ). I signed paperwork that removed the court filing and made me agree to on time payments going forward. At that time I was told the judgment and collection information would be removed from my account in 30days. A month later XX/XX/XXXX my XXXX and XXXX still showed the account was closed and no payments was shown received. I called Mariner Finance the local branch that handles my account again and told them that my account was still showing closed, they told me my account was not closed and suggested I send my the credit reporting companies my payment history. On XX/XX/XXXX I sent XXXX my payment histories printed from my online account history to dispute the inaccuracy that my account was showing which was an inaccurate account balance, no payments showing since XX/XX/XXXX and that my account was not closed/collections as being reported. I also called Mariner Finance Customer Service on XX/XX/XXXX at ( XXXX ) XXXX ) I spoke with a female Customer Rep by the name of XXXX. I asked her if my account was closed she confirmed it was not. I told her the issue I was having with my credit reports showing my account was closed and not reporting payments or accurate balance. She told me to fax over my credit report to fax ( XXXX ) -XXXX so that she can see how it was reporting. Once we hung up 10 minutes later she called me back and stated she called the local Mariner Finance office at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD ( XXXX ) XXXX spoke to the office manager explained the issue and that I did not have to fax over my credit report as she requested before and that the branch manager said they would contact the credit companies and send them correct information about my account that is was not closed/collections and also send my payment history and balance. A letter dated XX/XX/XXXX from XXXX was mailed to my home stating that they would not change the information that they had that it was confirmed correct. The information is not correct so that is why I am submitting this complaint. I have included the following documents with my compliant : 1. Payment history screenshot from on online MarinerFinance.com account showing all payments made on time since XXXX XXXX 2. A download of all payments since my account was opened from MarinerFinance.com account 3. Fax that was sent to XXXX and all supporting documents I sent them. 4. Response letter from XXXX postdated on XX/XX/XXXX I am only requesting that the record is reported correctly, showing my account is not closed and not in collections, showing all payments are being received and showing and accurate balance.
05/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14304
Web
I had no choice but to get a vehicle at the time I did because my car broke down so I had to go to a car lot that had used cars that were affordable so at about XXXX my father and I were approved together to get a SUV which was around {$9000.00} with a XXXX down payment in a car payment of XXXX a month I paid the car payment faithfully every month on time up until the end of XXXX about XXXX the car broke down and was not fixable at least it was not affordable for me I tried to work with the creditor and explain the car was not fixable on my end I was told I did not matter they were very unprofessional and not willing to work with me in any way I had no choice but to get another vehicle in much I have to go through someone else..But Mariner finance being the original creditor for the first car had the car picked up not long after which I had no problem with and understood. We are now in XXXX I have several times try to talk to the company I have been threatened that I will never have credit again they will do whatever it takes to ruin my credit they they run hard inquiries whenever they feel like it they have an amount more than with a car was ever Worth or what my loan ever consisted of they did not take an account the down payment that was put down on the car or the 2 years of paying {$240.00} a month they sold the vehicle for a decent amount and they are constantly reporting even though it says the account has been closed as of the end of XXXX I believe they are running hard inquiries to try to keep my credit from getting better they're constantly every month doing something with my account I don't understand how it says the account has been closed but yet I am continuously getting updates of things they are doing on my account and like I said I have talked to them several times and ask them why they keep doing this and they laugh and think it's funny and tell me that they're going to ruin me and don't expect to ever have good credit again it will never happen we will make sure of that I am a single mother of three on social security I can not pay them I do not have the ability to pay them and I believe it is 100 % unjust completely for them to keep running hard inquiries and keep updating different amounts way way above what the car originally was worth we're bought for this company is very unprofessional how are we supposed to ever trust creditors with our personal information when they use it for harassment this has to be based off trust and I have lost all trust it is absolutely wrong that these companies can do what they want with our personal information any day I need this resolved if I am allowed to press charges I want to I would like to know what my options are and I hope somebody could get back to me because I want to go as far as I can to get what is fair the stress this company has caused me is unbelievable every time I see the name cross my phone notifications I feel like I can't breathe they should not be allowed to ever do the things they do and get away with it..!!! If anyone that reads this could get back to me and let me know where I can go from here please email me at XXXX XXXX
12/01/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21215
Web
I spoke with the Branch Manager of Mariner Financial in XXXX, he spoke of helping me rebuild my credit. He then referred me to XXXX car dealers, XXXX being XXXX XXXX. When the Manager @ Mariner Finance thought I did n't go see XXXX Rep. XXXX he began to yell at me. Mariner Finance Manager called me on XXXX/XXXX/XXXX to tell me that I was approved for a XXXX XXXX XXXX with XXXX miles and that I had to hurry up see XXXX and bring the car up to him before his office closed. The call came approx. XXXX : XXXX. He wanted pics of the vehicle & additional bank statements at the last minute. The Old Squeeze Play last minute pressure. After signing the paperwork @ Mariner & then XXXX XXXX on a Friday after close of business. 5 Days later the car 's engine light came on, I took it back, then the engine light returned along with the Traction Light, It stalled in traffic & jumped out of gear. It was never fixed. Revealed to be a burnt out transmission by Asst. Mgr @ XXXX in XXXX. Then the battery died. Now Mariner is saying they are NOT responsible & only finance cars. They want me to pay for a dead vehicle that 's been inoperable for 9-10 weeks. After review of my contract my Interest Rate is exceptionally @ 24 %. for 48 months. I had participated in a credit recovery program by purchasing a car with XXXX. XXXX in XXXX XXXX and had paid it off and got a XXXX from XXXX XXXX@4.9 %. I had purchased a XXXX Vehicle, a XXXX XXXX XXXX from XXXX and was 2 months away from the last payment when I re-financed with Mariner Finance. I was in an accident that totaled my car, and the XXXX XXXX XXXX Check was given to Mariner for over XXXX. Short about XXXX owed balance. Branch Manager then gave me a check for over XXXX to give to XXXX for the purchase of the XXXX XXXX XXXX which I had never been asked to drive a check anywhere in my history of buying XXXX cars, which I felt was a little weird I was also offered NO Gap Insurance, which I complained about but was n't given any reason why it was denied to me. I believe I have been part of a scam based on the following : A. Race B. Economic status C. Credit Status. In housing we have " Predator Lenders '' & along this corridor of XXXX there are Predator Lenders in Housing and I 've encountered 3 : XXXX, XXXX & XXXX that almost cost me my inheritance residential property in XXXX XXXX. Now I add to the list Mariner Financ XXXX & XXXX XXXX. In speaking with other XXXX in that area, they have warned me too late that XXXX XXXX is NO good. The Branch Manager who I complained to about the car stated : " You 're the only one who has ever had a complai nt. I believe this to be untrue & Mariner 's process of referring to what is a known unethical criminal warrants investigation. I want out of this unfair & unethical association. Car given back & the monies I 've spent : {$680.00} to Mariner for XXXX car payments refunded as well as the monies I 've had to pay for rental cars from XXXX for 7 weeks : {$1600.00}. This debacle & nightmare has cost me our XXXX XXXX due to paying unnecessary monies for rental cars. Thank You for your time & consideration! XXXX XXXX XXXX XXXX
07/31/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 442XX
Web
I lost my job last XXXX reached out to mariner finance for Assistance and the manager refinanced my loan to lower my monthly payment. I anticipated unemployment however the company fought me due to the means of my separation so unemployment was denied with repeated attorney assistance to overturn that decision to no avail so I had no income since last XXXX and then the pandemic hit. All the while I have been in constant contact with the branch manager at mariner finance explaining my situation. Today I received a phone call from the district manager who claimed he was only calling to try to resolve this matter and that he had to make a decision today. As I explained that Im having trouble putting food in my XXXX mouth and just went to child support hearing yesterday for modification which has been delayed since last XXXX as well I would rather feed her with any money that I have then pay a bill at this point as I am struggling financially and everything is behind except that I am covered by this Covid act and all of the companies have been kind enough to give me deferments and work with me knowing that sooner or later I will either get back to work or things will change financially for me. As I explained that Im having trouble putting food in my childs mouth and just went to child support hearing yesterday for modification which has been delayed since last XXXX as well I would rather feed her with any money that I have then pay a bill at this point as I am struggling financially and everything is behind except that I am covered by this Covid act and all of the companies have been kind enough to give me deferments and work with me knowing that sooner or later I will either get back to work or things will change financially for me. He became extremely forceful telling me that I needed to make a half payment today or at least by Friday as he would be making a decision to pursue this and get an attorney involved and put a lien on my home and start the collection process which he stated would be adding excess fees on top of the balance that I owe. He told me this will get very costly and that he will get his money one way or another verbatim. I explain to him that all the other organizations under this pandemic act have worked with me and understood my situation. He talked over me would not let me answer him was very forceful de meaning, intimidating, and threatening which I relate to him several times. Are used to be in collections and understand collection practices and procedures and I also understand that there is a pandemic that none of us have ever experienced or know how to deal with but this type Of collection practice of this organization allowing a divisional manager to call and use intimidation harassment and demeaning to a single mom that has no job no income and no chance of getting back to work anytime soon that he was going to take her home put a lien on it so it wouldnt sell as he put it ver batum. This is a legal with this company is allowing I am under this protection act and I do want action taken thank you
07/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • NC
  • 28677
Web
I went in to Mariner Finance XX/XX/XXXX to refinance a loan, I asked for XXXX over the phone. I was told that the papers would be ready to sign when I got there, when I got there I was informed that they could only do XXXX dollars unless I put my truck title in, I said absolutely not, the loan officer went out to print new paper wor for the XXXX, he came back went over the paper work had me to sign and I went on my way. So I went to get my tag in XXXX and it was block supposedly by XXXX XXXX which I hadnt had a loan with since XXXX. Went to mariner and found out that they said my title was supposed to be in their hands, XXXX informed me that my Loan was invalid, another loan officer screamed at her and said stop telling them that, it was valid!! His name was XXXX. I was told not to make another payment until she spoke with corporate. I didnt here anything from them for weeks. She informed me that the guy that did my loan Was fired and they had found several mistakes in other loans he did. I needed to give them time to fix this. So I I called them and all of a sudden they wanted me to make payments that I was behind. And wanted me to sign make the payments so they could do a deferment. I called the the DMV on XX/XX/XXXX, and a title with just mailed to them but the problem with that is, I traded that truck and give the title to the XXXX place and they had no problems and my truck was sold at auction. So how did they get a title for a truck that I dont own anymore. The DMV said they had a MVR signed by me and notarized, I have none of that in my records. When I talked with one of your agents I was advised to not sign anything or make another payment. It is spaculated that this guy went to my truck and got my tag and vin number while I was in the office and it is possible that the loan was made for XXXX and I received XXXX. I have spoke with them several times and stated that the only thing I was guilty of is not reading my paperwork. They have agreed none of this is my fault but refused to fix the problem. I would have continued to make my payments if I hadnt been advised by them not to. I spoke with XXXX yesterday and he told me I owed the XXXX and some odd dollars and I was 60 days past due and they couldnt do anything to fix this until I paid this, he got ugly with me and said we can go and I Quote tick and tack all day long so I hung up on him. That was XX/XX/XXXX. What makes me think something is shady is, I traded the truck months ago but they where issued a title around XX/XX/XXXX, on a vehicle that clearly belongs to someone else now. I looked at all the charges on my paperwork and Im paying insurance on that vehicle that I dont own and they refused to fix it without them getting all the money out of me they can in the mean time. I think it needs to be looked into of how I got a loan in XX/XX/XXXX and the title has been in my possession until I traded it 4 months ago but they still managed to get a title just last week. The last documents is a copy of the title that I obtain from the XXXX place.
02/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 628XX
Web
I have a current loan with Mariner Finance at their XXXX IL location. I have had a few loans in the past with XXXX who was then bought out by Mariner Finance and all of my loans have been paid on time, as my other loans and credit cards are as well. I fell behind a couple of payments right around XXXX of 2021 as I had to have emergency XXXX XXXXXXXX which my health insurance did not cover and had to pay $ XXXX out of pocket, as I could not get a loan. Due to this I fell behind a couple of payments. I kept in contact and was treated rudely by the workers so contacted your office, then the corporate office reached out to me only because I contacted you. They did not offer me any help, like refinancing the loan to get me current and thereby allow me a little time to get back on track, but instead accepted only a promise to get their account current by today. They automatically start threatening to sue you if you are even late by a few days. I work for the State of IL XXXX, have a secure job, have been there almost five years, have not been late on any payments, but my tax refund did not come yet, even though I thought it would be here as I filed early as usual, they accepted it electronically and it is a simple return. The IRS is incredibly slow!! I contact them and sit on the phone for hours then the rep that answers says they can not look up my account, don't give them private information, they can't help with this and that and basically everything as they work from home, then has the nerve to ask me " What they can help me with and did they meet me needs ''. It is insane. So, I can not come up with this money the {$1600.00} they show I am behind now, in fact I can't even make a payment after paying my rent and utilities, gas and groceries which have tripled in cost! I need for them to refinance the loan to get me current or to stop all interest on the loan and give me a payment plan that I can pay ( one payment monthly starting XX/XX/XXXX ) until it is paid in full. It is not going to hurt then to refinance it to get me current and back on track, if they want their money they need to work with me. I am not trying to avoid paying my payment but can not not pay my car payment, rent, utilities, gas and food to do so, or I will not have a job and be living in my car!! I reached out to their corporate office and got voicemail and left a message explaining all at XXXX this morning and told them I need to refinance the loan and help with getting it caught up and wanted to pay it, then asked them to call me today, but no one is returning my call. This is how they respond both at the local office and corporate until they hear from you!! Please make then follow the laws and work with me to get my loan caught up so I can pay it as agreed. I am a twice widowed mother and have no financial help but do have a good income and just need some help with getting it current and moving forward. I am off work today only due to the ice storm and my two hour a day commute, so this is a good day for me to resolve all.
06/30/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NJ
  • 08360
Web
hello my name is XXXX i bought a car from a buy here pay here dealership. they sold me a used car with many mechanical problems. without me even knowing they sold my account to another financial loan company. This company has made my life XXXX literally from the moment i started receiving bills in the mail i was in shock i didnt know who they were. so when my vehicle started giving me major problems after making {$280.00} payment i called the company and told her i didnt want the car no more that i wanted to surrender it even though i knew it was going to hurt my credit. the lady said i couldnt that i knew it was used and that i was still responsible for the account basically she didnt care about my opinion or my feelings as a customer, or about my situation. i paid a mechanic to fix it and within a few weeks again it breaks down on me. this was really bothering me i couldnt pay insurance, pay car payments and pay repairs on top of all my extra bills. i called the lady again and explained to her again i wanted to surrender my vehicle. i couldnt afford paying all this money for something that was going to keep breaking down on me. she said no. she said if i would do that that the towing truck costs was going to be added to my account. and that the vehicle was probably going to be auctioned for {$500.00}. so basically this {$3200.00} car was being given away for free. i had tears after i hanged up with her. how can they make you keep making payments when you are telling them you do not want it anymore. i stopped making payments. i took insurance, and plates off. the vehicle was parked for over a month without being used. they kept calling and calling me threatening me with wage garnishments, taking me to court if i wouldnt make a payment. i told them please wait, please be patient with me, and to please just come and get the car. the lady insisted i sell the car. and then they would deside if they would give buyer the title. this has made me so stressed out. i feel scared of answering the phone. im scared to go to court. i cant believe theres companies out there who give XXXX cents for their customers. its hard making payments on time especially when im a mom of XXXX children. i want to sue these people. file a complaint XXXX for threatening me and doing things that they said they were going to do and didnt do. i feel this shouldnt happen to anyone ever. please help. please help!!!!!!! yesterday XXXX my car was towed away for not having insurance or plates. on top of this i have received many many calls from the company today they dont care about anything or anybody. they even hanged up on me. i dont want to keep dealing with these rude ignorant women. they should be the ones paying the towing truck company for not listening to me. for not putting their customers needs XXXX before theirs. us as customers are the reason why they have a job and a paycheck. please help ... i want to get this to the highest level there is. i want a judge to listen to me.
07/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 462XX
Web Older American
Mariner Finance has demonstrated predatory collection and inaccurate reporting to the credit bureaus regarding my account. Though I had been a multiple years customer with excellent paying history, upon loss of job, I fell on very hard times. I worked with Mariner sending any payment that I could which was agreeable to them. I was unable to make any type of payment for 2 months. Mariner contacted me, demanding payment with innuendos of credit damage and lawsuits. Enter promise of a lawsuit. The account was closed and forwarded to a collection agency. I immediately began payments at an accelerated rate. During the payment time with the collection agency, Mariner pulled a hard inquiry each and every month. When challenged as to why, their response was that " it was within their legal right to do so " Mariner Finance pulled credit bureau inquiry in an effort to obtain updated information. This action is permissible under section 604 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, which allows a company to obtain a credit file for the purpose of collecting an account. '' Enter promise of " credit damage '' Mariner Finance was no longer servicing the account. They received a judgement through the courts and it was being serviced through their collection agency. " Effort to obtain updated information ''? My address, telephone and credit status has not changed in over 7 years. I paid the account in a expedited manner ( ( Payment history ) XX/XX/XXXX : $ XXXX-Confirmation:XXXX ; XX/XX/XXXX : $ XXXX-Confiirmation:XXXX ; XX/XX/XXXX : {$250.00} - Confirmation:XXXX ; XX/XX/XXXX : {$290.00} - Confirmation:XXXX ; XX/XX/XXXX : {$200.00} - Confirmation:XXXX TOTAL : {$1700.00} ) Mariner inaccurately reported the balance for several months and did not attempt to correct until I filed a complaint with the XXXX. And it is STILL not accurate as of today 's date. I disputed the information on all three ( 3 ) credit bureaus ( XXXX, XXXX and XXXX ) and each credit bureau stated that the balances being reported were accurate as late as XX/XX/XXXX, when in fact, they were not. The Fair Credit Reporting Act ( FCRA ) requires industries to report consumer credit information in a fair, timely, and accurate manner. Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported under the FCRA regulations. My credit reports, verification of payments will CLEARLY show that Mariner Finance failed to do so. I have maintained my reports each and every month for the past several months which will verify. My records will also verify my attempts to contact their corporate office to resolve before proceeding with complaints being filed including dates, times and the individuals involved in the conversation. This is negligent and based upon the innuendos stated before the account was closed, potentially willful FRCA violations.
02/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30126
Web
This complaint in a follow up to my attempt to submit a new complaint on Saturday, XX/XX/XXXX, XXXX at approx. XXXXXXXX XXXX. I never rec 'd a confirmation message, so I'm thinking that the system may have timed me out. On XX/XX/XXXX, I logged into my Mariner Finance account to make a payment. I had not had the funds until then to make my payment, which had become due on XX/XX/XXXX. When I attempted to make a payment, I received a pop-up message stating that my account was on restricted payments and it directed me to contact the branch. This is the same problem that initiated my decision to file a complaint with CFPB in XX/XX/XXXX. As I stated then, and still assert, Mariner Finance engages in customer intimidation tactics. What could be an acceptable reason for a business to not allow a customer to make a payment to their account other than them trying to force my account into a 30 day late status to negatively impact my credit standing. My plan was to make the payment on XX/XX/XXXX and make another payment on XX/XX/XXXX to bring the account fully current. After trying several times to make an online payment with no success, I called XXXX XXXX XXXX, XXXX XXXX Manager for Mariner Finance. I knew that it was highly unlikely that she would not be in the office at that time, but wanted to immediately inform her of the challenge that I was facing with making my payment. I then also called XXXX, which was the number that XXXX XXXX had on her voice greeting to contact the customer relations team. Although that number directs callers to press 1 to make a payment, when I did it just left me on hold for several minutes before first stating that the office was closed and that I could leave a message. So, on Sunday, XX/XX/XXXX, I physically took a payment, via money order to the Mariner Finance location at XXXX XXXX XXXX XXXX, XXXX, GA XXXX and dropped in in the drop slot in the door. When CFPB inquired about my XX/XX/XXXX complaint, Mariner 's representative who responded failed to address the bullying and intimidate tactics and unacceptable behavior of their XXXX manager, XXXX XXXX, that I referenced in my complaint. Also, in spite of the screen shots that I provided with my complaint, when I did speak with a representative on the phone after they learned of my complaint, they told me that they did not see why I had been unable to make a payment because they had reviewed my online account setup and found everything to be in tact. In fact, he had me to log into my account at that time. Now, I am not crazy, I know what I experienced, and even provided screen shots, but it figured I'd save my energy for more worthwhile matters that going back and forth about that since the evidence that I had did not lie. I can only imagine what more vulnerable customers who don't know their rights, and are not aware of resources to help them, experience at the hands of Mariner Finance and its representatives.
08/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20707
Web
I got a personal loan from Mariner Finance. I fell behind on the loan for over 120 days, so Mariner Finance initiated a legal process to collect the overdue amount and the balance of the loan. Because of this, and legal fee of {$86.00} was assessed. I was able to pay the overdue amount before this issue got to court, got the account back in good standing, and have made on-time payments ever since. Contrarily, my account has been reported as late from XX/XX/XXXX even though payments have been made on time. I called the bank and spoke with the manager ( XXXX XXXX ) and she was unaware as to why my account was being reported as late when there was a {$0.00} past due balance. I then wrote a letter asking them to rectify this matter and accurately report my account to the credit bureaus as this was now negatively affecting my credit. Come to find out, the reason they were reporting my loan balance as late is because of the {$86.00} legal fee which the Branch manager nor the other employees that I previously spoke to knew about. Moreover, the {$86.00} was not reflected on my statements nor bank summary until I brought the delinquent reporting to the bank 's attention. I then asked if I could pay the legal fee, but I was told that I could not and the only way the get rid of it is to pay the total loan balance which at the time ( XX/XX/XXXX ) was {$8000.00}. So the bank has been reporting my account as late for a {$86.00} legal fee that I could not pay and that is not a part of the actual loan amount that was borrowed. Nonetheless, it is being reported as though I have not made any payments for over a year when this is in fact not true. I've called the bank and formally written them several times only to get the run around and contradictory information. Finally, in XXXX I was told that " Senior Management '' has decided to allow me to now pay the legal fee, which I did. I sent the {$86.00} payment in on XX/XX/XXXX. However, it is still being reflected on my credit report that the account is past due for {$86.00}. Additionally, they've incorrectly reported my account to the credit bureaus. The account has not been delinquent since XX/XX/XXXX. It was being reported as delinquent for {$86.00} that was not a part of the loan amount and I was not even allowed the opportunity to pay that fee until a XX/XX/XXXX. When I asked if they would correct the erroneous reporting, they said no although they admitted to incorrectly reporting this information. Still to this day the {$86.00} is still being reported as past due. Additionally, they have not correctly credited the {$86.00} for the fee to my account. Dealing with this bank has been an absolute nightmare and it should not be this hard to get things done correctly or information reported right as this is their profession. The worse part is that it's clear that the people at this bank has no care or concern for how they're negatively impacting my life.
07/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77304
Web
On XX/XX/XXXX, I received a consumer copy of my credit report and found multiple erroneous entries, including a collection account owned by Mariner Finance ( account number XXXX ). On the XX/XX/XXXX report, the DLA for the account reported as XX/XX/XXXX. Over the next 10 months, I successfully disputed and was able to have removed all false tradelines in question, except for Mariner. On XX/XX/XXXX, I received an annual copy of my credit reports from XXXX, XXXX, and XXXX. The tradeline was still reporting with a DLA of XX/XX/XXXX. On XX/XX/XXXX, I received an updated copy of my 3 credit reports as a result of disputing one of the other false accounts and Mariner tradeline continued reporting with the same DLA. On XX/XX/XXXX, I sent Mariner a written request by certified mail to verify the debt belonged to me, notifying them that I believed the debt not to be mine. I requested validation of the debt including : 1 ) An explanation of what this alleged account balance was for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount was correct. 3 ) Documentation that shows I agreed to pay this debt. 4 ) The Agreement that granted Mariner the authority to collect on this alleged debt. 5 ) A copy of Mariner 's state license, including license number. Mariner did not respond to my request. On XX/XX/XXXX, I received a consumer copy of my credit reports from all 3 bureaus and the tradeline continued, DLA was still being reported as XX/XX/XXXX ; however, a new hard inquiry from Mariner on XX/XX/XXXX appeared on my credit report. I did not authorize this inquiry and have not applied with Mariner for a line of credit. Most recently, on XX/XX/XXXX, I was notified by my credit monitoring service that Mariner had updated their tradeline 's DLA to XX/XX/XXXX! I received no correspondence from Mariner, despite my request and attempt to confirm this debt as valid in XXXX! And in XXXX, the DLA was suddenly moved FORWARD XXXX XXXX years!! Unless resolved, this will result in this debt being falsely reported on my credit for a total of 13 years! Between XXXX, I made no payments on this debt, have not acknowledged this debt as mine, did not attempt to make payment arrangements with the creditor, and have had no communication that would have reset the date of last activity. I believe Mariner has illegally re-aged this debt to prevent it from falling off of my report in 6 months. I submitted a dispute to all three credit bureaus listed above, on XX/XX/XXXX and was notified on XX/XX/XXXX that Mariner had " reported the debt as verified ''. Mariner has been unwilling to provide documentation proving that they could have accurately verified this debt, at my previous request. Mariner has persisted with reporting inaccurate information to the credit bureaus which I believe to be a violation of my rights.
05/02/2019 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
  • IN
  • 463XX
Web
On XX/XX/XXXX I received a notification that my credit score went down by two points. Upon my investigation I noticed a reason for the decline in score was because a balance on one of my installment loans increased by XXXX dollars. I proceeded to contact the finance company to inquire what was the reason for the increase. The finance company had no knowledge of a XXXX dollar increase and stated the balance the credit bureau was reporting was not accurate. I filed a dispute with XXXX XXXX credit bureau. The reason for dispute was in accurate balance. I gave a brief description as to why I was disputing the balance. On XX/XX/XXXX I received another notification stating that this dispute had been satisfied after reviewing the results I noticed that my credit score was now lowered by three points. When I seen what was the factor for lowering my credit score it was because they deleted and removed the disputed account from my file. I am immediately contacted XXXX XXXX and spoke to a customer service representative by the name of XXXX. XXXX informed me that the report was removed at the request of the creditor. I then spoke to a supervisor by the name of XXXX from XXXX XXXX who stated that they removed the account from my file because it was being disputed. I then asked him to please inform me where on the XXXX XXXX website is there a legal disclaimer stating that they have the authority to delete or remove a active account from a consumer file. He stated there is no such disclaimer and they removed it because I disputed it. I proceeded to inform him that my dispute was not to remove the account but it was for them to reach out to the creditor to get a accurate balance. I asked him to provide me with verification of proof that the creditor authorized him to remove my account from my file he stated there was no verification that he could provide me with. I went on to explain to him that they could not just remove a file without any authorization. I proceeded to inform XXXX XXXX that I would be filing a complaint with the fair credit Act, And I will also be seeking an attorney. After my conversation with XXXX XXXX I spoke to the creditor, Personal finance company. I spoke with XXXX the branch manager. I informed him of the situation and what occurred with my report and XXXX XXXX. Per XXXX they can not reinstate my account with XXXX XXXX. He directed me to file another dispute with XXXX XXXX informing them that my personal finance company account was not being reported with their bureau. After I completed my conversation with the finance company I proceeded to contact the fair credit act too log an official complaint. I would like to add an addition to this, XXXX XXXX has consistently provided inaccurate balances on my accounts that are being reported with their bureau. Sincerely XXXX XXXX XXXX XXXX-XXXX-XXXX XXXX XXXX
09/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • XXXXX
Web
Over 20 yrs ago I had a title loan I think can not remember. It was called XXXX XXXX loans. My old debt was paid, I was making payment it was a high risk payment loan place. I was unable to set payments and continue to make the same amount of payment I still remember how I struggled with raising XXXX children and very low income working pay rate XXXX pr hour. That company increased the balance with fees, late fees and the amount was tooo high and i was paying and never getting anywhere. I remember asking if they can lower the interest or the payments that either was done. I just could not pay every month than I started to get sick losing a lot of my pay. Than the debt was sent to the credit bureaus and my credit history became a nightmare. still is I can not believe XXXX is still harassing me for the account that is over 20 yrs old I never reapplied. I was also notify per credit agencies who help with debt consolidation. Not to make a payment if so it starts over again. I did follow what I was told. So, after so many years I just got an email from Mariner Finance stating I owe them money and that was sent to the collections department. This is the 2nd or 3rd time I get this threat and harrassment every 1yr or 2. I Never ever applied for any loan from Mariner Finance. I went in to ask about what type of company they are after the lady in the office told me to come and when she came back now this was over XXXX ago. when she came back she said she was a supervisor at the XXXX XXXX. she told me I could not get any loans, because I owed them I told her no I do not I never borrowed. She came back with an old file and she did not let me see it but she told me it use to be XXXX XXXX XXXX XXXX XXXX XXXX. Well, I told them I do not owe any funds and not ever over XXXX all this is fees, interest, because I remember the amount i could not pay off was under 1000. Also XXXX was on all three of my credit bureau for XXXX yrs. I request remove they did, also i put that in the bankruptcy XXXX XXXX it is going discharge XXXX yrs. XXXX was not to harass me nor sell it to Marinier finance and if not than if XXXX name was changed to Mariner Finance that too is not and they need to stop sending me threatening letter and marking my credit with debt that is over 20yrs old, also still charging fees, interest Sunbelt has been file in Bankruptcy XXXX XXXX currently discharge 4yrs. Mariner Finance they do not have anything from me as being approved for any loans I never got one from them, nor sign for any loan from Mariner Finance, if they state i did i want proof and they can not combine XXXX XXXX loan title. That company is no longer existing. I want my credit left alone and I do want to sue them for harrassment and tarnishing my current credit history. I have the email and the bankruptcy documents showing that XXXX was the only company.
10/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • MD
  • 217XX
Web
I have been with Mariner finance for many years. Have had many loans and the current one i have. I have had nothing but problems. I put my collateral up got the money. And made payment on time every month!. Then a deer ran out and i totalled the collateral. No problem i have insurance. Hey i even have gap insurance which i paid for.This happened on XX/XX/2018. XXXX got a pay off amount of around {$2600.00}. What was left of my loan. After all was said and done XXXX offered almost {$2500.00} for the car. Yeah me! Not. So i contacted Mariner and informed then the payment XXXX was offering about the value of the loan. Iasked if i could use my gap to cover the rest. I was informed that he would look into it and get back with me. No one called me back so a few days later i called again to check the status on the gap coverage. I was told i was not aloud to use my gap coverage because it was less then the {$500.00} value. Really? So ok my thought was its around {$100.00} i will still owe. Less then my normal payment. So i waited. XXXX reached out 3 times. I called Mariner finance of XXXX every few weeks got a diffrent story each time.. XX/XX/XXXX or XX/XX/XXXX time i talked to mariner they advised me they still havent recieved a check this was XX/XX/XXXX. So i call the salvage department with XXXX. They had me on hold as they once again contacted Mariner Finance of XXXX Md to fond out when they would recieve the letter of guarantee. This is a standard practice between every finance and insurance company. XXXX informed me that they once again faxed the letter and stayed on the phone with XXXX. They didnt recieve it. So she preceded to email and waited untill he recieved it. XXXX did return my call after he finished his call with XXXX. We had a heated comversation of the inability of them doing there job properly. And i asked to speak with a manager and was denied. Ok. He called me back the following day to inform me the letter of guarantee was being summited back to XXXX.. i paid me XX/XX/XXXX payment of {$170.00} on XXXX XXXX. I didnt know what was going to be ledt on the loan since every time i called the number changed. They refused to tell me what the $ amount would be untill they recieved the check from XXXX. Ok on XXXX XXXX they recieved the check. XXXX then contacted me to inform me i have a balance of almost {$80.00} for added interests on my acount to pay it off. ..what? If i did the math correct and my pay off was {$2600.00}, XXXX paid u just about {$2500.00} plus i just paid you {$170.00}. How to i have more intrest to pay. When i have gap insurance and should never have had to come up with {$170.00} in the first place!. This is why i paid for gap and i cant even get my money returned on a insurance policy they provided to me at a cost in the event of this exact thing happening. Heart broken.
03/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 235XX
Web
In XXXX of XXXX, I purchased a dog from XXXX in XXXX XXXX - XXXX XXXXXXXX. They told me financing offers and when they told me about Mariners Finance and the fees, I accepted. In XX/XX/XXXX, I was laid off from my job due to company cutbacks. I explained my financial situation to Mariners as I may not be able to pay on time, but the representatives only cared about getting their money, even if it meant being behind on my rent or medical expenses as I have a medical condition with costly medicine that I must take daily to sustain my health. That's when I received a call in XXXX to get a new loan with additional fees and I would have the original one wiped out. I was desperate and the representative seemed nicer than the ones that would call. I got to the branch across from XXXX XXXX and filled out the new application, even as I explained to the rep that I was just starting a new job and may not be able to take on this additional payment. I was assured that everything will be fine. That's when I began getting threatening calls to not only my cell phone, but my job, references and threatening voicemails from the branch supervisor. She would tell me that they will take me to court and that it's pretty much my fault for singing the loan. I was never directly told about the interest and principal because had I been told about the high rates, I would've never agreed to it. Because I was still getting back on my feet, I was given a date to make a payment by or they will garnish me. I again explained that I will try to work out something at a smaller payment amount, but with rent, car note, insurance and medical, it was impossible to bear anything else. Not soon after, my pay from work was garnished at {$1000.00} with a principal amount of {$28.00} and interest at {$1000.00} as shown in the attachment. After going to meet with their attorney before court, I was given a payment plan of {$110.00}, which I have been keeping up with best I can since XX/XX/XXXX. However, I again was never told about paying their court fees and additional fees that have doubled that I owe back and adding more financial stress. When I asked for a ledger of break down in XX/XX/XXXX because I felt like I was paying on a never ending loan, they never mailed it although it was in a noted call. I checked my account today ( 3/3 ) online out of curiosity because I was told I could not check it online since my account is in special situation due to the debt collection, I saw that my balance after my XX/XX/XXXX payment shows one thing and the payoff shows another, as I have attached that screenshot as well. Mariners Finance has no compassion for their customers in times of financial distress and will take them to court to gain more money instead of being transparent on all fees to expect no matter what.
11/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • KY
  • XXXXX
Web
I 'm complaining today about Personal Finance Company and Mariner Finance 's never-ending attempt to continue to make claim to a debt that has been charged-off in XXXX XXXX bankruptcy. But now they state in a letter ( SEE attached letter ) dated XXXX XXXX, XXXX that THEY 'VE TRANSFERRED my ALREADY CHARGED-OFF, IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), Personal Finance Company LOAN account number ending in XXXX to Mariner Finance as account number XXXX!!! WHAT???!!! They need to understand the rules and the laws of personal bankruptcy which is the debtors personal liability ( Me, XXXX XXXX, XXXX XXXX for a dischargeable claim is WIPED OUT FOREVER!!!!, if the creditor ( Personal Finance Company ) got notice or if there was no payment to creditors in the case ; therefore, according to this rule, Personal Finance Company had no authority or right to transfer this debt ( account number XXXX ) to Mariner Finance that no longer exist! How is this EVEN remotely possible since this loan ( Personal Finance Company LOAN account number ending in XXXX XXXX has already been CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX )!!!!??? What 's really going on here?? How can Mariner Finance OWN a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST???!!! Furthermore, it is illegal that Personal Finance Company and Mariner Finance TRANSFERRED a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST and they continue to insist that Mariner Finance now OWNs a LEGALLY CHARGED-OFF IN, CHAPTER XXXX BANKRUPTCY LOAN ( Case Number XXXX as of XXXX )!!! I hope that you, Consumer Financial Protection Bureau and the Federal Trade Commission come up with a reason and an answer to my questions and find out what federal bankruptcy laws Personal Finance Company and Mariner Finance have violated. I will also be notifying the Attorneys General HERE in Kentucky where Personal Finance Company and Mariner Finance are located. Either this loan, Personal Finance Company LOAN account number ending in XXXX is CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ). See the attached chapter XXXX bankruptcy creditors list showing XXXX XXXX representing Personal Finance Company. THIS debt has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY, GONE, DOES N'T EXIST!!! or Personal Finance Company and Mariner Finance are involved in some type of nefarious activity that further deserves investigating. If their doing this to me, how many others are they performing this nefarious activity? Please get to the bottom of this for me Consumer Financial Protection Bureau and Federal Trade Commission.
12/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was damaged or destroyed the vehicle
  • FL
  • 329XX
Web
On XXXX, I was in an auto accident when a 30 ft truck backed up over me, in my new XXXX XXXX XXXX I purchased in XX/XX/XXXX. I have a loan against this vehicle with Mariner. I am suffering from XXXX XXXX from the accident including a XXXX XXXX, XXXX XXXX, and several XXXX XXXX. Not knowing what my financial situation was going to be not being able to work, because my accident, I paid {$10.00} for my loan for the month of XXXX. When I spoke to the branch manager, I explained that I would go online and make a payment every week my child support came in, and that I was unable to pay in full that day we spoke because my payments are contingent to my child support. The branch manager XXXX XXXX, stated " you will not have access to make any partial payments online because you are pass due ''. He demanded payment over the phone multiple times. I patiently continued to explain that because I can't work, I need to wait until my child support comes in to make a full payment. Mr. XXXX refused to work with me. I have been getting a loan from this company for 4 years if not longer. Even before when it was XXXX and then bought out by Mariner. I have an impeccable payment record. I paid every single month my loan was due, except maybe once or twice in all these years. Mr. XXXX is not open to deferring my XXXX payment, or any other agreement, despite my loosing my work income. Mariner Finance, Mr. XXXX has been calling my phone almost every day despite that I told him I would call on the last day of XXXX and make a payment by phone, since consumers are NOT allowed to make partial payments via their website. Which creates another issue for consumers. They have called almost every single day, two to four times a day, despite telling him I would call on the last day of XXXX and make a payment. Mr. XXXX stated that my loan was not contingent to my part time work. I stated that I understand this, but when my child support does not come in, which sometimes happens, I will feed my children before I make a loan payment. I know I get partial payments during the holidays because my exhusband does not work full weeks during the holidays. If us consumers can't make partial payments, then we are being denied our right to repay a debt, despite if it is past due. I have made an arrangement may of times to call and pay on the last day of the month, and NEVER was I HARASSED like this. I have never been harassed in this way. This is absolutely an abuse of debt collection methodologies, and must be stopped. As of today XXXX, at XXXX XXXX, they have called me 4 times already. I will make a payment today. However, this HARASSMENT is unlawful. Mr. XXXX is awful when speaking. He is not open to any agreement, especially considering my good repayment history.
02/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TN
  • 379XX
Web
My husband and I were approved for a {$5000.00} loan at Mariner Finance and scheduled an appointment to come in to finalize paperwork on Wednesday, XX/XX/XXXX. My husband was asked to bring in his ID, social security card and proof of income. I was asked to bring in my ID and proof of income. Collectively we were asked to bring in a document showing address verification. When we came in for our appointment, we worked with XXXX. I handed XXXX my husbands ID, his social security card, proofs of income, address verification and my XXXX work authorization card ( serving as photo ID ) and my social security card because my name is spelled differently on my XXXX ID card. My SS card has a restriction on it saying, valid for work only with XXXX authorization. To give context, this restriction is for an employer to look at and ask me for my work authorization if I am applying for a job. It has zero bearing on my credit and does not define, in any way what my citizenship status is. Mind you, I wasnt even required to bring in my social security card I brought it to show the spelling of my name. XXXX left the room with our documents and came back in. She said that she had some bad news and that they were unable to approve the loan because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was the first time anything regarding my citizenship came up. I am not on a work visa I have never in my life been on a work visa and I certainly never said anything to XXXX about a work visa. I explained to XXXX that I am not on a work visa, and I was confused about how she came to that conclusion ; I am considered a permanent resident because of my indefinite humanitarian parole status. XXXX then asked her supervisor to come in. I explained to the supervisor that I am a permanent resident, to which XXXX interrupted me and asked, but youre not a citizen? My husband then asked XXXX if she knew the difference between a citizen and a permanent resident to which she responded, no I dont. XXXX supervisor then asked her District Manager to come in. Once he came in, he said that because of the statement on my social security card, they will not approve my loan. First it was because XXXX XXXX XXXX XXXX XXXX XXXX, now its because of the social security card that I wasnt required to bring in. I tried explaining, again, that I am considered a permanent resident and that Ive applied and have been approved previously for things such as federal student loans and other personal loans with no issues. He then said well then you can go apply at a different lender. I wasnt asked for and did not have the chance to provide any documentation to show proof that my citizenship status does meet the loan criteria. We were told to go elsewhere.
12/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NC
  • 27127
Web
My name is XXXX XXXX XXXX. I reside in XXXX XXXX, NC. I kept receiving offers from a lender called Mariner Finance ( who is located at XXXX XXXX XXXX XXXX XXXX ) to my mailbox about a personal loan. A check came from them with my name on it for {$1200.00}. I called the location to ask if the check was real. The branch confirmed, so I took it to XXXX XXXX XXXX who it is drawn off of to cash. I cashed the check successfully. A month later after I made a payment on the loan, I received a call from Mariner asking if I would possibly need a little more funding. Manager XXXX stated I was able to get {$500.00} more and to come to see him, bring I.D., Social Security Card, and last 2 pay stubs. I went that same day to see XXXX, and he told me the social security numbers do not match what's on my card to what's on the computer. He asked me a question about my car, I stated yes I have a XXXX XXXX. Then he states another vehicle 's name, and I said no that's my father. My father has never lived with me, he has never resided in XXXX County which is where the city of XXXX NC is located in. He stays in XXXX, NC. Manager XXXX tells me well he will just have to get it switched out of my Dad 's name and into mine, no problem. I kept calling trying to inquire about what was going on and he kept telling me they were working on it. About a week later, XX/XX/2019, I talked to a representative at Mariner Finance by the name of XXXX at the XXXX XXXX location. I told her I was following up on my account and told her the issue. She stated it was approved for me and it was out of my father 's name. I went down to Mariner Finance. brought a copy of my last two pay stubs, I.D., and Social Security Card. I was placed in a room, was told to fill out a reference form. I was in the room alone for about 45 minutes to an hour. Manager XXXX steps into the room and says they could not get approved, they need my father 's name on it. I said No! I have already spoken to my father about this mixup and he does not want his name on any loan! The manager then started to tell me well you cashed a check meant for him. I told him that's not my problem! That is your company 's mix up and then you falsely tell me it's been fixed and I come down here and it is not! He said this happens all of the time and there is nothing they can do about it. I asked for the corporate office phone number, however, I have received no callback. This is not proper lending practices and I would like help on this matter. My father should not have his credit tied up because of Mariner Finance 's mistake. I am willing to have it on my name as the check came to my address in XXXX. I also believe I tried to apply to them before in my history while I was in XXXX.
01/25/2022 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
  • 30318
Web
YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. Mariner Finance {$2200.00} XXXX XXXXXXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this 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 direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Mariner Finance ) did not disclose this information to me that is required by federal law. ( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. ( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30318
Web
YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. Mariner Finance {$2200.00} xxxxxxxx XXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this 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 direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Mariner Finance ) did not disclose this information to me that is required by federal law. ( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. ( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.
03/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43227
Web
I received these checks in the mail from this company and I deposited it and started a loan. For some reason it slipped my mind. I started in XXXX and by XXXX the company had sent me to the Ohio court system once that happened I am immediately paid my account to get it up to date. I apologized to them and advised I would not miss a payment going forward they said this was fine they advise the court documents would go away they advised they were no longer seeking a judgement. They also advised me I did not need to go to court. What happened next was weird because my credit score went down I am starting to show this account was now in collections and there was a past due amount of {$120.00}, which made no sense I called The local office they said your account is not past due youre actually paid up a couple months so I left it alone. I checked my credit report again and it still shows that the account was past due and collections. I attempted to file a correction with the credit bureau, that failed. I Filed a complaint with the XXXX XXXX XXXX then the company contacted me back and says well your account is listed as collections any time it has to go through the court process which I was not advised before then they said even though your account is paid up were still gon na show its past due For court cost until its paid off which makes no sense at all if my account is technically paid up a few months why would you still show a past due balance that is actually lying. They say well its our system which is not fair to the consumer at all if they have a system issue they need to fix it. That can not be legal to reflect someone as past due mess up their credit for months and on top of that they got a judgment against me when they told me I did not need to go to court. I dont see how this is fair at all if I needed to show up to court to defend myself or put my statement in, I would have done so now it looks like I did not show up to court and they got just a simple judgment against me. I intend to pay this off in full as I have been doing. But for this to reflect this way on my credit report and for them to go to the courts and get a judgment when they lied its not fair at all and I would like this looked into. I even asked for official company documents that state if you miss a payment your account is reported as a collection and it will report as a past due balance on your credit report every month until it is paid off in full and no one at the company has sent this information to me. I can even attach a screenshot from my mariner account where it shows I dont even have a payment due until XXXX so how was his company allowed to mess with my credit like this.
05/03/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • PA
  • 18201
Web
I received an unsolicited check in the mail from Mariner Finance LLC in the amount of {$1200.00}. The check stated by signing and cashing I would enter into installment loan with them. At the time I was consolidating debt and needed the money and the low monthly payment of XXXX enticed me. I deposited the check and made XXXX payments before deciding to pay in full. I sent several emails through their online portal asking for final balance and never heard back. They called me XXXX time before I paid off the loan, telling me I can have an additional funding, I advised not interested but after this call from my local XXXX XXXX branch, my preference is to receive communication in writing for financial matters pertaining to this loan so I will not call them or discuss over the phone. This is based on the strong urging from the caller to visit them to receive " more money. '' After this call I had a bad feeling about this loan. They have tried calling my desk phone at work but I will not answer since personal calls are not allowed and because I prefer in writing. My total payments were {$76.00} more than I borrowed and the final payment I sent was what appeared on my credit report as total now due ( this entry somehow has now disappeared from my credit report ). After it vanished from my report I figured it was paid in full only to receive another call to my work number this past Friday XX/XX/XXXX. I checked XXXX 's web portal this morning and it shows an open loan with a " maturity '' date of XX/XX/XXXX and my next payment due as {$60.00} with a future date of XX/XX/XXXX. I have not received any billing statements nor have I signed any documents other than the unsolicited check they sent me. I suspect they are withholding the total due and future dating a payment for some interest charges to accrue interest. My loan was open less than XXXX months and by my calculations ( based on future date and total payments ) my total interest paid for a 60 day loan of {$1200.00} would be {$460.00}. I have never received any acknowledgement for the XXXX emails I sent, I do not wish to speak to this company other than in writing and they have never sent me a single statement in the mail. An online search of complaints shows similar experiences with other clients. Attached is supporting documentation showing the payments made from my XXXX XXXX checking account and the deposit of the {$1200.00} check back in XXXX into my XXXX XXXX account. I do not have any other documents since none were ever provided by this business. I strongly believe they are comitting predatory lending and fraud based on my above experience.
04/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 913XX
Web
In XX/XX/2021, Mariner Finance ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX ) mailed an unsolicited loan offer in my name to my address in the form of a check. All that was needed to open the loan was to sign the back of the check, include phone numbers and an email address, and cash or deposit the check. I do not know how Mariner Finance had enough information about me to make this possible. I had never interacted with this bank prior to this happening. Someone intercepted the letter in some way, it is unknown. They took the check, forged my signature ( not even close to my actual signature ), wrote a fake email address, and used phone numbers that were associated to me by an internet search. Two of the three numbers associated with me haven't been my phone number in over 10 years. The other was my current cell number. On XX/XX/2021, I received a phone call on my cell from XXXX XXXX, the XXXX XXXX branch manager, welcoming me to my new loan. I informed him that I had no idea what he was talking about and had not opened a loan with anyone. He provided me with a photocopy of the back of the check where someone had signed my name. I informed him that this was not me, asked him how they had my information and why they made it so easy for someone to open a loan in my name. He said it is up to the bank that cashes the check to get proof of identification. He told me if it was not me, I would need to file a police report and provide Mariner with the police report number and they would take it from there. I wanted to know the name of the bank that cashed the check so I could find out what steps they had taken to check ID. He said they could not provide that information without a police report. The same day, I filed a police report, providing them with all the documentation, including a print out of the forged signature and fake contact info, along with my identification with my real signature. I contacted Mariner finance the next day with my police report number as requested and waited. Two months went by with no action and no replies to my numerous phone calls for updates. I finally reached Mr. XXXX and he stated that Mariner Finance was now requiring me to get a physical copy of the police report and a signed affidavit from the bank that cashed the check, the one they would not disclose to me. I filed a report with the Better Business Bureau, and within a week, Mariner Finance contacted me to assist me with closing the account. I am working with Mariner Finance to get the account closed and removed as a liability, but I need help removing it from the credit reporting agencies.
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 628XX
Web
XXXX sent me an email of the update they did to my Mariner Finance account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment Mariner took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the ten day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this Mariner loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't Mariner or XXXX be ACCURATE??? I also am sick and tired of trying five times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX listed for me, remove it, and my fathers phone number XXXX listed as one of my numbers, remove it, And my same name listed as an alias three times, remove them, And my employer the XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed four times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX XXXX everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their XXXX mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!
01/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • IN
  • 461XX
Web Servicemember
On or around first week of XXXX I notified personal finance company of my situation and stated that my husband was just diagnosed with XXXX and that I would be required to stay home and be full-time XXXX and I was reaching out to see if there was any kind of additional emergency type of qualifications I could apply for it to help me through this difficult time to make sure I stay on track with loan. I was told very quickly that there is nothing offered for any emergency situations or life changing events that alone must be paid can not be late or they would have to come and get the bike that the loan was against and sell it that my only choice was to have them redo the loan and have me get caught up and sign it well by XX/XX/XXXX I was told that was my only option I have to sign another loan agreement during that time I was overwhelmed with the news of the XXXX with my husband the seriousness of it and I felt like I was taking advantage of emotionally being coerced to sign a document as my only option. Since this time I have once again falling behind the acceptable amount of time before I'm getting calls and threats of taking my property once again I explained for the third time that my husband had XXXX away XXXX XXXX and then all I'm asking for is a little bit of time so that I can obtain the money from the estate to try to get back on my feet but until that time I can not give them a for-sure answer when I can pay I kept in direct communication with everyone during this hard time and what I thought was the light at the end of the tunnel was not a gentleman I spoke to said he was going to look over my loan and see if there was anything he could do and I said that's all I want just see what you can do you know all I could do is tell you the next week or two I'll figure out something okay I got off the phone with him then today XX/XX/XXXX I was called by XXXX XXXX who said he needs a payment today or they will come and take the bike I literally was shocked by how I was treated and talk to during a very hard time that was beyond my control he said I signed a loan agreement and I have to honor it so I told him I would do what I need to do to complain or be heard by someone else other than him and he said he will do what he has to do so now I worry that someone is going to bang on my door take my bike or traumatize me further all I want is for somebody who has compassion and ethics to review this matter and stop any inhumane things from happening to me during this time thank you
04/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • SC
  • 293XX
Web Servicemember
I was in the hospital and unable to communicate with the lender at that time. Once I came around and actually got possession of my phone I sent my son with my debit card and a note to make the payment for me. I did this on Monday XX/XX/2023. They refused to take the payment because I now owed more than one. I was able to get a call through to XXXX @ XXXX and explained to her that I had been in the hospital since XX/XX/XXXX and that all I had the ability to pay was the one payment, which she took over the phone. I also asked that the phone calls to my place of employment cease because we are not allowed to receive any type of personal, debt collection calls etc.. at work. ( This was also stated in the note my son had from me that they refused to accept. ) 15 U.S. Code 1692c - Communication in connection with debt collection states that : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I was notified by my supervisor yesterday on XX/XX/2023 that they called my office 3 times and I was again counseled that I can not receive these calls at work. I feel that they are purposely causing me more distress and possible loss of employment. I am doing all I can to get better and caught up on my payments but I do not need the added stress of possibly losing my job because they continue to call my place of employment.
11/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20740
Web
I took a personal loan with Mariner Finance. I was successful with making on time payments of the required amount until I ran into difficult times, in that I had to take on the responsibility of taking care of my elderly mother who has XXXX, on XXXX, XXXX and has XXXX. I had to move my mother from Florida to come live with me because she was unable to care for herself as her health started to deteriorate rapidly. Ultimately, I became her primary care taker and moved her in with me. At the time her health was stabled but shortly into living with me she was diagnosed with having XXXX. I was afraid of my mother wondering off and decided to seek assistance. When looking into getting her the care she needed, I ended up putting my mother in an XXXX XXXX home because she did not qualify for skilled nursing without going by the route of being admitted from the hospital. So, I found a home to admit my mother to however, it was very costly and the cost exceeded the amount of her retirement check. Therefore I had to supplement the difference of the cost which affected my ability to make the required payment of my loan. I in honest effort made a payment towards my balance and they refused my payment stating the payment was mailed back however, I never received the money order returned back in the mail. I received a call from XXXX with Mariner that I missed. I returned the call on XXXX explaining my present situation that has not changed. XXXX is the Assistant Branch Manager, who I shared my situation with and again I asked if I could pay what I am able to in an effort to get my debt paid down and ultimately my loan paid off. He said that the amount I wanted to pay would not cover the interest and I told him that I understand but at least I will be making some kind of payment towards my loan and when I am able to pay more I would. I explained of the hardship that I am experiencing and how I am also paying off other creditors such as the IRS, State of MD, Car note, insurance, medical insurance on top of my mother 's nursing home bill. I just do not know what to do at this point but complain because this company is acting more like they are loan sharks and is intimidating me as the consumer when I am honestly trying to rectify my issue and debt to them. I would like to be able to send Mariner Finance some kind of payments towards my balance without it getting sent back. And to reflect that I am not ignoring my debt to them but instead trying to pay them of.
02/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IL
  • 622XX
Web Servicemember
Mariner Finance purposely blocked my ability to make payments online with guaranteed funds which caused default and sending my account to collections. This account should not be in collections office because Mariner forced this situation due to unfair practices and it appears that the company is purposely attempting to injure my credit. Over the course of the last 45 days, I tried several times to pay online with my debit card. The online system blocked that ability even though I had tried to pay the total amount due. I was out of town working remote from XX/XX/XXXX XX/XX/XXXX. During the time that I was working remote, I was unable to call in to make a payment over the phone as requested during business hours because I was unavailable via phone because of work obligations. I wouldve made payments with a debit card online using my account log in if I was allowed by the online system. I have made payments online in the past and should still be allowed to with guaranteed funds. I was not available during Mariners business hours therefore I could not talk to them to process a payment over the phone. However, I would have made several payments online had I been allowed to do so with my DEBIT card. I was attempting to make the online payment so that Mariner would be able to credit my account immediately. My work hours and unavailability did not make it convenient for me to have a phone conversation. I tried a few times to call the office during my lunch breaks but the calls went to voicemail. Since I wasnt in town, I was not able to drop off a money order payment to the office location near me. I tried to call on my lunch break when available, but, I was not able to get connected because Mariners phone system went to voicemail. I have attached toll transactions proving that I was out of state on the dates indicated above. It is my concern that Mariner is unfairly attempting to garnish my wages when they blocked me from paying with guaranteed funds via the online system. I am very concerned about the practices of Mariner finance. They have sent me a judgement letter to sign and I do not believe this is fair to me as the consumer given the practices of Mariner finance detailed above. In summary, It appears that Mariner Finance purposely blocked my ability to pay with guaranteed funds via their website to force a potential wage garnishment and judgement. I have concerns that my rights as a consumer have been compromised and/ or violated.
01/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37130
Web
1.I have never had an account with this company XXXX XXXX XXXX XXXX from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are MARINER FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
03/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 478XX
Web
Mariner Finance LLC filed suit against me on XX/XX/XXXX for a collection debt I owed. Collection debt owed and requested in lawsuit was XXXX. Default judgment was entered XX/XX/XXXX. Garnishment motion was filed at 25 % of my disposable income. This order was granted XX/XX/XXXX with the awarded amount equaling XXXX XXXX garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. Last garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. Total wages garnished by Mariner Finance LLC for calendar year XXXX as documented on employer paystub equals XXXX. Outstanding fees still being reported by Mariner Finance LLC on all 3 of my credit reports in the amount of XXXX. XXXX paid by me, directly, to Mariner Finance LLC on XX/XX/XXXX. All 3 credit report updated with information received by Mariner Finance LLC on XX/XX/XXXX stating Mariner Finance has reported positive activity : Account Paid Total paid to Mariner Finance LLC equals XXXX. MOTION FOR PROCEEDINGS SUPPLEMENTAL AND ISSUANCE OF INTERROGATORIES Filed by Mariner Finance LLC on XX/XX/XXXX seeking payment amount in the form of garnished wages by employer in the amount of XXXX. NOTICE OF GARNISHMENT SUMMONS - ORDER TO ANSWER INTERROGATORIES, NOTICE OF HEARING AND INTERROGATORIES filed by by Mariner Finance LLC on XX/XX/XXXX seeking additional unknown/undisclosed origination amount of XXXX. ORDER TO APPEAR TELEPHONICALLY TO INDIVIDUAL JUDGMENT DEFENDANT Filed by Mariner Finance LLC filed XX/XX/XXXX. As you can see by the time line stated above, this case was decided in XXXX of XXXX and wages were garnished as dictated by court ordered default judgement. Garnished wages in the amount of XXXX were paid to Mariner Finance LLC. Balance listed on all 3 credit reports in the amount of XXXX was paid by personal debit card directly to Mariner Finance LLC before additional lawsuit was filed. Mariner Finance LLC reported to all 3 credit bureaus that my originally opened, and only account opened with Mariner Finance LLC was paid in full on XX/XX/XXXX. Mariner finance LLCs legal team is still, as of XX/XX/XXXX, sending harassing correspondence by mail requesting additional unsubstantiated funds and remedies that have already been paid decided and reported as paid in full. Company is suspected of retaliating against disputed items on credit report that were filed by me on XX/XX/XXXX.
11/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • MD
  • 20603
Web Servicemember
On Wednesday, XX/XX/XXXX at approximately XXXX. EST, my ex spouse and I contacted Mariner Finance , LLC. regarding general information about our account. Specifically, we requested that Mariner Finance furnish us with periodic account statements so as to review payment history, information on the life of the loan, how our payments are being applied ( principal vs interest ), etc. I was informed, on the Wednesday call, that in late XXXX of this year my ex spouse submitted a " dishonored '' check and therefore she was denied access to review such account information. However, she would be granted access once the company worked out the " kinks '' in its online system, and approximately six ( 6 ) months after the dishonored check incident. To be clear, we have submitted money orders for nearly five ( 5 ) months now and next month will be the six ( 6 ) month where we may or may not have access to account information. Personally, this raised a red flag for me as I am unaware of any financial institution prohibiting a customer/consumer from reviewing account information due to a " dishonored '' check. Perhaps the customer is not allowed to pay online, but being denied access to account information seems completely unjust and unlawful. I asked both the account representative and her manager was this company policy or in accordance with Federal law? Each noted company policy. Troublesome, indeed. To deny a customer access to account information on the basis of one unfortunate incident seems completely draconian and out of sync with normal business protocol and leaves the customer unclear of the basic information to make timely and accurate financial decisions. To the manager 's credit she did offer to send a payment history report to us for review, but that we could not gain access online at this time. In my discussion with both the manager and account representative, my ex spouse was on the phone call with me. Mariner Finance has had a string of complaints over the years, I am more than sure this issue is not endemic to the XXXX family. In short, there should not be any prohibitions or account restrictions ( at least viewing account information ) on active accounts. We are blindly making payments based on the amount our account rep says at the Mariner Finance branch office. This is overly cumbersome and completely off-base. And entirely against basic consumer rights.
01/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TN
  • 37355
Web
On XX/XX/XXXX I obtained a loan with Mariner Finance. A little time went by and I knew my first payment should be coming due but I remembered it being greater than 30 days out from acquisition. I looked for my paperwork but soon gave in to the fact Id misplaced it. By XX/XX/XXXX Id heard nothing from Mariner concerning my payment being late so I paid them a quick visit to inquire about the due date. I was told I was paid up. A payment had been received in their corporate office and applied to my account in the amount of {$3500.00}. PuzzledI asked several times, Are you sure? The ladies all replied, Yes! You have money available if you need it and would like to refinance. Shocked and bewilderedI stated, Well, maybe my kids found the contract and sent in the payment as its happened once before. XX/XX/XXXX rolled around and my son needed money for college tuition. I went back to Mariner on XX/XX/XXXX and took them up on their offer to close out the previous account and refinance. It was a 12-month note. I made all my monthly payments in person at their XXXX, TN location. Although this fell within the COVID pandemic timeframe I was able to pay a little extra thru out the term of the loan and was due to pay it off one month early ( XX/XX/XXXX ). In XX/XX/XXXX I noticed Id received a couple emails stating, Our records indicate that your account is currently past due. We may have options for you. I called the local office to question the reason for the emails since I knew I was paid up and very close to paying them off. I was told someone would call me back. The XXXX called the next day and stated I was past due on repaying the {$3500.00} back. I was told the original loan had been opened back up in XX/XX/XXXX due to a clerical mistake. The {$3500.00} had been reapplied to it with the first payment being due in XX/XX/XXXX. I was taken aback as this was the first Id heard of it. On XX/XX/XXXX I paid back the refinanced account in full. Is this an acceptable business practice? Can they reopen an account that had been refinanced and is now paid in full? Why was there no communication? Why was I not previously told about this action as Id visited the local office many times thru out this timeframe making monthly payments in person? I was told I should have received something from corporate in the mailwhich I did not. I was told theres nothing they can do about a mail issue.
04/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • IN
  • 476XX
Web Servicemember
4 months before tge covid19 country lock down I had taken a small loan out for emergency repairs, less than {$2000.00} dollars. I had made all my payments on time. Then The lock down was implemented and I had to prioritize my bills and got be & ind on this loan, I wasn't aware of the covid19 protections during this time and next thing I know they charged off the account and turned it over to there collection attorney. This has ultimately hurt my credit. Now after learning about tge protections in place last year. I emailed the original company to offer to pay the loan off from the original balance not the balance now where they are charging me a late fee still. They said no and told me to talk to there attorney, so I disputed on my credit report that the reason behind this charge off was due to natural disaster. After it was investigated I was successful and that remark was added. This helped my score enough to apply for a mortgage so we could move. After applying for one I was denied due to credit score to low so I got on XXXX to look at my report and the natural disaster remark was removed and the charge profit loss was added back. So my score tank XXXX pts plus the balance increased. This is 4 months after I was successful, the company is required to notify me by writing within 5 days I believe and I never received anything. Well I have disputed this same thing now 3 or 4 times being successful every time only to have the company have the natural disaster remark removedand a negative impact remark added. Never once do they notify me. So now I reached out to the loan originator and there attorney for a copy of the documents which the company responded by telling me to contact the lawyer which I had already done. I believe they are charging me a late fee illegally because if they aren't the ones with the loan how can a collection agency increase the balance by charging a late fee. I need agreed to pay anyone other than the company that originated the loan, and I also believe they have violated the fair credit reporting act by having my successful disput removed 4 times never notifying me. And now I can't get a loan so I can't move. Which if I'm correct about the things they've done wrong then I should take a more legal approach. I never disputed the loan itself. Just that I was affected by natural disaster which I was directly affected.
07/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Can't contact lender or servicer
  • FL
  • 33801
Web
On XX/XX/2020 I settled an old debt that was through Marnier Finance, LLC. and XXXX XXXX XXXX was the collection agency handling this debt ; in other words I came to a settlement agreement with XXXX/XXXX Law and paid the debt in full and was told by Mariner Finance 's local office before I paid the debt that they would release the title as SOON as I gave them the confirmation of debt paid in full. I received my paid in full letter from XXXX XXXX on XX/XX/2020. I contacted Mariner Finance in XXXX, Fl where the original loan took place as I need the title to my vehicle released through the FL DMV as it is imperative I get rid of my truck as I am on XXXX and have an urgent need to do this right away. They gave me XXXX XXXX 's number as was told she was in charge of recovery for Mariner Finance. I was able to contact XXXX the same day. She told me she had not " received '' notification from XXXX XXXX ( she looked up my account ) and that even if she did it would take her thirty days to " process '' the information. She was very short and rude. I did not argue with her and proceeded to file a complaint with the corporate office. However, I was repeatedly disconnected or was on hold over an hour with no one answering. I finally was able to contact someone days later and was told a manager would call me back within 24 hours. I never received a call and have been unsuccessful getting anyone on the phone again. I attempted to contact XXXX XXXX again the first week of XXXX via email and phone ( I have also sent her numerous emails after our initial conversation on XX/XX/XXXX in order to keep a paper trail ). She never responded to me. I also left her a few voice mails. I filed a complaint with the XXXX XX/XX/2020. The response from the company, Mariner, was received XX/XX/2020. It was a generic letter stating that my debt was transferred to XXXX and I need to contact them. Um, XXXX XXXX are the same, and this is part of my rebuttal that I sent back through the XXXX ( which I have attached ). I am getting no where with this company and as you can see they don't even research my file when they are contacted by the XXXX. They are illegally retaining the title to my vehicle. I can't continue to wait for a resolution as I feel there is not going to be a resolution since I can't even get in touch with anyone. Please help me. Thank you.
06/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30318
Web
***NOT A DUPLICATE COMPLAINT*** SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately. LOAN DOCUMENTS ARE NOT A VALIDATION OF DEBT. SEND ME A WRITTEN PERMISSIBLE PURPOSE OF THE ALLEGED DEBT AS WELL AS THE AUDIT TRAIL. I AM THE ORIGINAL CREDITOR AND I DO NOT VALIDATE THIS DEBT. REMOVE THIS ALLEGED DEBT FROM MY CREDIT REPORT IMMEDIATELY. Please also provide the 5 pieces of information for debt validation. Your company operates under the Fair Debt Collections Practice Act so not responding to the requirements below is a direct violation of the Fair Debt Collections Practice Act pursuant to Pursuant 15 U.S. Code 1692g - Validation of debts. Pursuant 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. IF ALL FIVE REQUIREMENTS CAN NOT BE PROVIDED THE DEBT IS NOT VALIDATED AND MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.
08/29/2019 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
  • MS
  • 39702
Web Servicemember
On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. However there is another loan listed on my credit report under Mariner Finance. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from Mariner Finance, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. In XX/XX/XXXX, XXXX XXXX XXXX merged with Mariner Finance , LLC and on XX/XX/XXXX, the company became known as Mariner Finance. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to Mariner Finance, resulting in a new account number. That doesn't make it a new loan or change the fact it was XXXX, however. On XX/XX/XXXX, I submitted an online dispute with XXXX, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. I contacted the main office of Mariner Finance on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if XXXX was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted XXXX by phone to dispute their results and still have not received any indication that they are doing anything to correct this problem.
11/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33426
Web Older American
I contacted Mariner to confirm that I was paying the balance showing online. When I contacted the company speaking with XXXX, he indicated he would call me back soon as the computer was down. Well, a few hours later, no return call. I called back and though it was working hours, I received a voicemail and left a message and still no call that day or the following day. I got online to go ahead and pay the balance in which I initially saw upon calling was a little over {$2800.00} Well, a few days later, the balanced had increased approximately a {$100.00} dollars and the balance now was {$2900.00}, I did not understand the massive increase and when I called back and spoke to XXXX, he was telling me an amount that was not showing online. I informed him about the increase of the {$100.00} and he could not explain why the balance had increased that much and he claimed he was not seeing the amounts in which I was stating was on the account upon logging on. Well, when I reluctantly paid what was displayed for the balance, {$2900.00}, it then shows me that a remaining balance on the account that was not in the balance showing, it was {$120.00}, which made me pay {$3000.00}. I do not agree with this as the payoff balance as the account should reflect a real time balance and XXXX could not justify why this was not the balance on the account. I requested a manager and XXXX, indicated he was the manager of the store and which he is a poor representation for this organization. I called the corporate number ( XXXX ) XXXX to discuss that the balance that was showing on the account as a payoff, is not the amount that I paid, I paid more. left two messages on their voicemail and no return call. I also wanted to inform them that XXXX did not call me back to discuss the account as he indicated he would which cause me to pay even more than the {$2800.00} hundred that the account was originally reflecting as the balance as per my initial contact. When I called back, he could not tell me why it had increased over a {$100.00} for the balance, then he could not tell me why it was asking for more money when I paid the balance that was then showing of {$2900.00} then still telling me that {$120.00} is due to pay off the account which I paid. XXXX is not knowledgeable and is a poor representation of the company
12/15/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30126
Web
I tried to make a payment at approximately XXXX XXXX using Mariner Finance 's online customer portal. Instead of processing my payment, it states that my account is on restricted payments. I called Mariner Finance on XX/XX/22 to find out what options were available to me since I had not yet been able to make my XX/XX/22 payment due to some unexpected expenses for auto and household repairs. The main option available was to allow them to run a credit check to see if I could get an additional {$500.00} dollars and they'd refinance my loan. I refused that option because I neither want the additional inquiry on my credit, or their {$500.00}. When I refused, rep, XXXX 's offer, she said that I would have to make a payment with her. So, I explained to her that I was driving and that since I was not yet 30 days late on my account, I would make a payment by XXXX, XX/XX/22 by going online and scheduling a future-dated payment dated for XX/XX/22. I also explained that since I wouldn't get paid again until the end of XXXX, I would make the XXXX payment then to bring my account up to date. Instead she tried to force me to speak with the Branch Manager, XXXX XXXX, who is very unprofessional and uses bullying tactics when interacting with me as a customer. So, I hung up before he got on the call because I have no plans of dealing with him. Now, they have evidently taken away my ability to make payments online. So, they are trying to cause my account to get to 30 days late. I have also uploaded two letters, which I received on the same XX/XX/22. One is dated XX/XX/22 that notified me of the possibility of a negative report to credit reporting agencies. You will notice that the XX/XX/22 letter lists four ways to submit a payment ; however, I am currently unable to make a payment in accordance with the options listed. This proves that they are using bullying and intimidation tactics when interacting with customers. I does not state that I need to speak with them. So, I am trying to make a payment. The other is dated XX/XX/22, which informs me that if they do not receive payment in full within 15 days of the date of the letter, they will file a suit/judgement against me. I feel that they try to prey on customers and bank on them being ill-informed and afraid to take action on their own behalf.
08/30/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30907
Web Servicemember
I paid off the total amount due on the loan through several payments that the Mariner Finance did not report on my credit report. The company has reported -- even after I disputed their reporting through XXXX and gave them a chance to correct their information -- I have bank statements that verify I made a {$650.00} payment to Mariner Finance on XX/XX/XXXX. Then I made a payment of {$110.00} on XX/XX/XXXX. A {$100.00} payment on XX/XX/XXXX, another payment of a {$100.00} on XX/XX/XXXX, a payment of {$130.00} made on XX/XX/XXXX for a total of at least {$1000.00} of the amount paid to Mariner Finance. None of these payments have been reported or deducted from the amount that Mariner Finance claims that I owe them. I could not get a statement to discover how much money was left on my account to paid even though I went into their office to ask for the final statement. I was informed that they no longer had my account information available. This lack of accountability of Mariner Finance has continued for at three years of continuous negative reporting on my credit reports and is a contributor of adverse credit ratings. I could understand if I had not reached out to them and made good faith efforts to pay on this account. Even to the extent of making a payment of almost {$700.00} all at once even though I am on VA XXXX and limited income. I have done everything I could to settle and then correct the reporting of this debt but Mariner Finance still insists after I filed disputes against their wrong reporting that I owed {$1100.00} when they wrote it off, without reporting or deducting the amount that I paid in XXXX of {$1000.00} ( of which when added to the payments I made in XXXX. On XX/XX/XXXX, I made an online payment of {$130.00} to Mariner Finance. XX/XX/XXXX, I made a payment of {$81.00}. This does not include payments I made in person at the office. Still, I can prove that I at least paid {$1300.00} to Mariner Finance and that Mariner Finance still chose to send my account into charge off even after I made substantial payments to them without being given a statement of itemized charges and how much was actually owed on the account. I hope that some relief and assistance to be provided to me to stop the adverse actions this company insists on continuing against me.
07/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37803
Web
On XX/XX/XXXX I returned a voicemail message from Mariner Finance. I took a loan out with them by cashing a check they mailed me, so I assumed they wanted to verify my personal information, etc. I spoke with XXXX XXXX, Assistant Manager at the office location of XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. She advised I had {$500.00} available now in additional funds but if I needed more then we could do an application for review on a larger amount. I told her no I did not need more than the {$500.00} that would be fine. She proceeding to verify my personal information and then asking questions like you would be asked doing an application. I stopped her and said I thought you said we didn't have to do an application for the {$500.00}? She said I just have a couple more questions. She then asked when I wanted to close on the additional funds that would be added to my loan, in office or over the phone. I said over the phone and she said I'm sending you an email requesting the documents needed to finalize the loan. I received an email shortly after from XXXX XXXX altering me my credit was pulled. I responded to the email she sent me requesting the additional documents and advised I did not have access to some of the documents due to COVID and working from home and for her to confirm she did not pull my credit and requested she cancel the loan. She advised " I apologize for the misunderstanding. I started out by saying that we would need to update your application '' in order to do a renewal either in office or over the phone. We can still decision the application but I will make a note that you no longer would like to receive the additional funds. '' I responded to her by saying I did not give authorization to pull my credit and she stated the {$500.00} was available to me but if I wanted more then she would do an application and I would not have proceeding knowing my credit was being pulled and the inquiry needed to be removed from my report. She did not respond to that email, so two days later on XX/XX/XXXX I sent another email to her advising I was waiting on a response to my email from XX/XX/XXXX and if she was not able to confirm my credit was not pulled and the if so, the inquiry removed to have her supervisor contact me. I still have yet to get a response to my requests.
07/15/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IN
  • 46953
Web
On XXXX around Mariner Finance, office in XXXX, IN, called my wife at work after multiple attempts to contact me. The lady was rude and told wife that she would call every day because we are 2 months late which we arent. We missed XXXX payment due to my fathers death. XXXX payment is not even 30 day late. The lady stated that my wife didnt understand how serious this is. My wife shared that she needed to contact me but the girl kept pressuring her to make a payment. My shared that I handle the financials the lady said I am sorry he does that. My wife explained no that how our marriage works. The lady then stated that the account was open and maybe forged the check. Then she continued to lecture my wife and when wife shared she understands the girl then gave the phone to her manager, XXXX XXXX, who then continued to lecture my wife and would not let my wife get a word in. My wife was at work in the middle of project. She ended up hanging up on XXXX and called I went to their office which their is closed. So I called and explained to them that at times they call I am not able to answer and they didnt leave a message. I explained that my father and I had some unexpected expenses that put me behind. I also explained to them that I have been doing business with them for years and always pay my loan off early. I then requested that they dont call my wife at work. The lady refused and talked in circles about how my wife name is the only on the account and that is the only way to contact her. Again my family has been a customer for years at this company. I have made the payment by phone or by going into the office. The tactic they used to get a payment was harassment, unprofessional, and caused us stress during work hours. I made XXXX payment over the phone and was asked when can I make XXXX. I shared I could make it next week. I was to auto draft it but I felt pressured to do so in order not to get harassed and 2 calls everyday during are busy workday. I understand stress of this time with COVID and the risk/stress loan companies are under but this was over doing it. I have been a loyal customer at this office for years. In addition, this week my wife received a loan offer for {$850.00} ( what! ). I am so frustrated about how we were treated.
09/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • SC
  • 29464
Web
I opened a personal loan with Mariner Finance in XX/XX/XXXX. All aspects of obtaining the loan were done online. Mariner Finance recently upgraded their website, I went in to login to my account to make my payment ( which was about 2 weeks late at the time ), and was asked to answer my security questions, something I never had to do with the previous website. Since these were setup almost 4 months ago, I incorrectly entered them.Mariner Finance then proceeded to lock my account with no warning and told me I needed to contact my branch. I understand the need for security, but this is ridiculous. Seeing as how my work schedule prevents me from contacting my branch during their operating hours, and their online support which operates on the same schedule ( also crazy ), I reached out via email on XX/XX/XXXX to see if there was any way I was able to verify my identity and unlock my account another way, to which I was told no. I count on my online account to make payments, as making payments over the phone is not possible as mentioned above. On XX/XX/XXXX, I made a payment from my bank account using XXXX XXXX, I asked my fiance to call the following day to make sure they received it. He was told they had not, and that it was probably mailed and not transferred electronically ( as of XXXX the payment is listed as processed by my bank, electronically, to Mariner Finance ). He also asked if there was any other way for me to verify my account, or if there was a customer service line open after XXXX PM, to which he was also told no. I dont understand how a major loan company has no other avenue to verify my identity other than to call during a limited time frame. And how they would lock an account after incorrectly answering questions ONE TIME. I would be more than willing to submit identity documents, ssn, utility bill, etc,. It should also be noted that when obtaining the loan, I didnt speak to a single person to verify my identity. I would like Mariner Finance to unlock my online account so I can continue to make payments. I will submit any identity documentation needed, but I shouldnt have to jump through hoops to make a payment, especially when none of this was needed when taking out the loan in the first place.
05/16/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MD
  • 210XX
Web
Sometime XXXX XXXX, I secured a {$1000.00} loan from Mariner Finance in XXXX MD. In addition to the original loan, I also opted to pay for the supplemental insurance ( Unemployment ) should ( unfortunately ) this should occur. Due to unforeseen circumstances, I fell behind on 1 payment which prompted numerous and repeated phone calls to both my cell, home, and work. Each time-especially work, not to contact me here for phone calls are monitored by security. The company refused to adhere to my wishes and continued to repeatedly call my job which placed my employment in jeopardy. On XXXX XXXX, XXXX, I lost my job due to downsize-at least that is what I was told. Shortly thereafter, I submitted a letter to the company alerting them to the change and asked for the necessary claim form. Instead of them providing the necessary claim form for payments, Mariner Finance instead chose to allow the loan to continue to accrual interest which the loan has now near {$3000.00}. Complaints were initially filed with the XXXX and MD Dept of Labor Licensing and Regulation ( DLLR ) and had been removed from the Credit Reports. Upon a recent review of my credit report, the account now re-appears on the report dropping the score by a staggering XXXX points. As a victim of identity theft, I regularly monitor my reports for any and all suspicious activity. I am also XXXX and have been in this unfortunate predicament since XXXX/XXXX/XXXX. Since seeing this information reappear on the report, I have subsequently initiated another complaint with the XXXX which does n't seem to be any resolution in sight. However, by virtue of their own admission, the loan should have been paid off in XXXX. I somewhat tend to agree had they processed my claim form for which they did not. Now, after more than 2 years have passed, they are now requesting that I fill out the claim form for processing. Hence, my question : How can this be properly processed-if at all when the loss occurred in XXXX? Moreover, it is my belief that Mariner Finance is attempting to correct a mistake that simply ca n't be undone and ( purposely ) continuing to access interest on a daily basis in an effort to collect more monies that are owed-if at all due to the supplemental insurance.
10/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78233
Web
XX/XX/XXXX i was contacted by XXXX XXXX XXXX inquiring if i had opened an online bank account. I stated no. I was told an account had been fraudulently i opened using my information. I was also told a solicitation check bearing my information sent to my address by a company named MARINER FINANCE was deposited in this fraudulent account via an ATM Machine, hence creating some type of loan in my name. I subsequently was told by my UNITED STATES POST office that all our boxes had been shut down in the neighborhood due to mail theft, vandalism, stolen mail ongoing. I immediately located this MARINER FINANCE company branch and notified them of the IDENTITY THEFT & FRAUD. I obtained a copy of the fraudulent check from them. I then notified XXXX XXXX of fraud and filed IDENTITY THEFT WITH THE FEDERAL TRADE COMMISSION, POSTAL INSPECTOR & POLICE DEPARTMENT. I also froze all of my credit reports and placed fraud alerts. MARINER FINANCE refused to give me a corporate office to send IDENTITY THEFT reports, police reports to. I located the corporate company and mailed with tracking all reports and demand to clear account and my name. along with furnishers. Deceptively they have reported this FRAUDULENT account to my credit report transunion, maybe others now as well. they continue to send me mail, statements etc ... completely ignoring this is IDENTITY THEFT & FRAUD. Ignoring the police reports, federal trade commission reports, documentation provided to them Adding to this victimization of me as an IDENTITY THEFT VICTIM, the copy of the stolen check that I recived UPON MY FIRST NOTICE TO THIER LOCAL BRANCH, on the back information THE THIVES FILLED OUT- NOT my signature, NOT my email, NOT my birth date, NOT my phone number, NOT my handwrighting, Also state in several places '' 2 FORMS OF ID REQUIRED obviously that was not done.As per XXXX XXXX XXXX fraud Department this was deposited into an ATM machine. This is the worst deceit i have seen from any company.RANDOMLY PRINTING CHECKS WITH PEPOLES SOCIAL SECURITY NUMBERS, PERSONAL INFORMATION ON THEM SHOULD BE ILLEGAL! I DID NOT REQUEST THIS NOR DID I HAVE ANY DEALINGS WITH THIS COMPANY EVER. HOW DID THEY GET THAT INFORMATION IN THE FIRST PLACE?
09/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • FL
  • XXXXX
Web Older American
The current financial institution is Mariner Finance, previously, XXXX XXXX. Since the beginning, I've been doing business with them for around 6 years or more and I had never pay late, never to them. But last year I had to apply for Bankruptcy chapter XXXX, XX/XX/XXXX, and by that time I decided to keep the loan and the vehicle. When I received the payoff letter with the amount of little more than {$6000.00} and the vehicle market value, salvage value, any kind of value is less than a {$1000.00} more close to {$500.00} it was not worth it to keep it. I was going to pay more than {$6000.00} for almost 4 years and the vehicle won't last that much. In XX/XX/XXXX I talk to my lawyer and it was included in the Bankruptcy surrendering the vehicle. The Chapter XXXX was discharged in XX/XX/XXXX but, even though it was included in the Chapter XXXX in XX/XX/XXXX, Mariner Finance kept charging me the monthly amount of {$190.00}. I know it because in my credit report it appeared as an active account and in XX/XX/XXXX I had a past due amount of over {$1200.00}. After talking with them a few times to send somebody to pick up the vehicle and close the account, they did nothing about it and the vehicle is still in my front yard. I'd file a dispute with XXXX Credit Report Agency and finally Mariner Finance close the account as of XX/XX/XXXX for the purpose of the credit report only. As of to-date I had enter their web site and into my account and I have a past due balance of {$1400.00} that is of payment from XX/XX/XXXX to XX/XX/XXXX, 7 months of {$190.00} = {$1300.00} plus a late fee charge of {$15.00}. Do the math. Obviously, this account was included in the Chapter XXXX, discharged in XX/XX/XXXX, so, this account should be totally close, not adding a monthly payment at all. {$0.00} debt, closed, XXXX, period. As a matter of fact, Mariner Finance still has the title of the vehicle, I don't have a problem with that. But, if they are not going to pick up the vehicle, don't you think they should return me the title? I can't do anything with the vehicle. It's just sitting there. Can you help me, please? Note : If you need the account number, please, email me and send me how to contact you.
06/05/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37128
Web
- XX/XX/2018 I got the 10-day XXXX that turned into XXXX, which made it impossible to work for 30 days. Not knowing what to do during this time, I had received a check in the mail that you just go deposit, and it says it is a loan at 41 % interest. - I am an XXXX XXXX, a XXXX XXXX XXXX, and I can not control sometimes when I get paid. I am the very last person to get paid in a transaction IF and WHEN it closes. And additional governing factors do not make it any easier. - This company would start calling me whenever a payment was late. The very first day past the due date. 2 and 3 times a day. I asked them to contact me after XXXX XXXX however they never honored my requests and communications with them became literal harassment. Yet their office was never available after XXXX XXXX to communicate. - They sent my account to an attorney and they served me with a civil warrant. - I have attempted to talk to the attorney 's office on 3 separate occasions. I asked them to negotiate the amount owed. They did not and told me to contact the company. - When I call the company, they will not negotiate on the amount owed. And even the attorney never attempted to negotiate the amount. - This company never provided me any terms of this loan in writing and they intentionally make HARD pulls on my credit every 3 months. Intentionally damaging my credit. I told them I did not give them permission to pull my credit. They said they had the right. This is absolutely crazy, so if I pay this off, can they still pull my credit like this. - They won't negotiate a lesser paid in full balance. Everyone negotiates. And so because I have an outstanding balance or because they say so because the terms were not provided to me, they just can do as much damage as they so choose. - Literally this company is malicious. A mortgage lender would do a soft pull as to not damage the person 's credit. They are intentionally trying to do continued damage. - They have even continued to make HARD pulls on my credit even after it has been sent to the attorney. Even though they say they are not allowed to talk to me. - Seriously someone needs to review what these small companies are doing to people.
11/06/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28306
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Mariner Finance , LLC has XXXX different accounts reporting to the credit bureau with all different information that's hurting my credit report. account numbers- XXXX XXXX XXXX, XXXX XXXX XXXX The issues that I am having is that Mariner Finance is listed XXXX XXXX with different information. The amounts posted are not the same XXXX account states a balance of {$6800.00} last activity is different and payment history is wrong. The second account states a {$0.00} balance with Highest balance {$9600.00} stated that the account was closed due to Refinance. The last account states {$0.00} balance with Highest {$9800.00} which states the account was closed because of refinance. Mariner Finance only reported the XXXX accounts to XXXX and XXXX. I have requested that I the consumer be sent verification of this debt and haven't received anything. As a consumer my rights have been violated by this company buy putting fails information on my credit report. 15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}. 15 USC 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.
08/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MD
  • 212XX
Web
I was sent a preapproved offer and check via mail and negotiated the check and signed up for auto pay. The terms of the loan were on the back of the check interest rate etc. but never said payment amount, so after enrolling in auto pay they took XXXX per month which I assumed was the payment. It wasn't until recently I looked at my credit report and saw that I only owed {$88.00} and was excited and budgeted for that final auto withdraw when they actually took {$91.00} I called to ask why? They said it was a telephone convenience fee. I said I was in auto pay I did't pay by phone. They said oh its because you paid on the computer I repeated it was auto pay and there should be no fee, they put me on hold for a long time and said oh that was the monthly payment fee and I said provide me with documentation stating you were authorizzed or it was part of the terms to take an additional fee, they put me on hold for over 20 minutes and the call disconnected. I called back, the person was not available, I left a message. He called back but I missed it, I called back and he said it was a mistake and they had been charging me a monthly fee for the life of the loan and would refund it. I did get the refund check which is incorrect in its amount does not include interest and should they pay me a penalty and how many other unsuspecting people have they ripped off who were unaware. i would like an audit of their accounts. I have attached a copy of the check they cut me showing they admit to overcharging and I can forward a copy tomorrow of the original check with the total terms of the agreement which did not include a surcharge. I hope an audit is done of their practices. Additionally i didn ; t think you are allowed to charge 33 % and I think it is irresponsible to target low income people with instant money with such high interest rates i have also found tons of complaints from others on line of their practices. I hope you will randomly audit their customers to see how many others have been violated and should they not owe me money for each unethical unauthorized charge to my personal checking account as well as an accurate repayment of fees and interest.
05/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • SC
  • 29203
Web
XXXX XXXX ; I would like to make a case a complaint against this company Mariner Finance. They sent out a letter with a check in it. My mother and I have basically the same name and live in the same house. I dont see the mail because my mom and dad are retired so when I come home my mail is in my area to received. I placed the check in my account and did as usual. When I can time to pay the check back, I downloaded the account and called the company to set up everything to come out of my bank account so I could build up my credit. Well, I found out that it belonged to my mom. I informed the company that this was a honest mistake. Could they just transfer it into my name so I could pay it. They stated they needed a statement from my mom, which she wrote and we both signed stating she knew nothing about the loan and didnt want a loan. My mother is XXXX XXXX XXXX. I was trying to build up my credit so I can get married this year and buy a house. They told me I had to get a loan to pay this loan off then pay that loan off. I told them I wasnt going to do that. So while going back and forth with headquarters and the branch office they wouldnt allow me to make the payment until they say that was going to transfer it over. I also told them Im the one trying to get the credit not my mom. Why would I make a payment in her name when she didnt sign any papers, there was not ssn number on the paperwork. I wasnt going to do that either. Then the manager XXXX XXXX stated that she could get me for Fraud and tried to intimidate me to pay it. I called headquarters again and stated what was said to me. Im more afraid of XXXX than any man. I try my best to not be in a situation to lie. It was an honest mistake. My divorced name is XXXX, I was born with XXXX as my last name just as my mom. So I had to borrow the money from my partners savings for our house to pay it back. Instead of them allowing me to pay the {$3500.00} back they charged me {$3700.00}. My account for this company was XXXX. Can you please help me recover my money back. All I was trying to do was build up my credit to get married and buy a house. Very heartbroken of trying to do the right thing.
08/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OH
  • 45373
Web
On XX/XX/XXXX I contacted Mariner Finance via phone in their XXXX, OH office at XXXX. I spoke with Branch Manager XXXX XXXX who took the initial application and ran my credit report. After pulling my credit report she then interrogates me like a detective to ask why this debt was in collections or why this debt was charged off, etc. When you offer a valid explanation, they do n't think its a good explanation and they keep criticizing you like they are much better then you. The problem is to that when they pull your credit report not all the information they obtain is accurate and you should n't have to explain yourself to them, its as if almost they do n't believe you and think your lying. I have proof to back my stuff up. Well, anyhow I called Mariner on XX/XX/XXXX to get the status of my application and I was advised it was denied. Why was I denied I asked, I was told it was denied because of the past delinquent credit obligations and I WAS ALSO DENIED DUE TO PREVIOUS JUDGEMENTS THAT WERE FOUND ON PREVIOUS APPLICATIONS AND CREDIT REPORT. HOWEVER, ALL MY JUDGEMENTS HAVE BEEN SATISFIED AND HAVE BEEN REMOVED FROM MY CREDIT REPORT. When my credit was ran on XX/XX/XXXX, there were no judgements reporting. However, XXXX XXXX advised that a previous credit report was used to determine my credit worthiness and found several judgements on a previous application. How is it legal for a company to use an outdated and erroneous credit report? I spoke with XXXX from the XXXX, OH Mariner Finance office on XX/XX/XXXX and questioned him with, how can you use false information from a previous credit report that is not current, and not up to date, XXXX never answered the question. He avoided the question by all costs. I have applied with 2 other financial institutions outside of Mariner Finance and have had a positive experience and was even approved for a non-collateral loan. Mariner is a subprime lender only looking to loan to Excellent Credit candidates. What I mean by that is, they want to rip off candidates with high credit scores. Mariner Finance needs to accept they are a subprime lender and not a prime lender.
06/18/2017 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • FL
  • 326XX
Web Servicemember
I have been involved in this VA mortgage refinancing wit h Mariner Finance LLC s ince XXXX XXXX , 2017 . We received a loan estimate amount of XXXX with a payment amount of XXXX . Once the appraisal came in for XXXX , XXXX We never received an upd ated Loan Estimate o n the XXXX We were asked to run back and forth to fax machine to provide documentatio n. ( Many many times as documented .. ) Then on XXXX XXXX , 2017 at XXXX we were sent a closing disclosure for the XXXX ( which had the incorrect spelling of name ) we were unable to open and sign. We only had phone access. We tried many times to send. at XXXX XXXX we sent XXXX a text that the Closing disclosure should have been signed and sent to her .At XXXX XXXX she stated that she received them. On XXXX , XXXX , XXXX .at XXXX XXXX she sent text stating the documents were not signed and that we should sign and date for yesterdays date ( documented ) She then stated we could fax it to her. ( Advised the closest Fax machine wa s not Open on Saturdays and Sundays.. ( She advised that she could get Monday as long as it was dated for yesterdays date. Also was asked by XXXX XXXX to also backdate ( documented ) ( something I felt was morally wron g ) XXXX XXXX XXXX , 2017 at XXXX ( 19 min after supposed closing ) I received another set of closing disclosures. I compared the two sets o f final Closing Disclosures along w ith the Original Loan Estimate. and noticed the one they were rushing me to sign the payment was XXXX a lot higher than the payment for the higher loan amount. And the payment for the second set of Final disclosures was XXXX We were not informed o f ANY Number changes. Information was left out on the final closing disclosures that they were rushing me to sign on XXXX ! XXXX and XXXX , as well as BIG number differences. I never received a Loan Estimate on the XXXX I also do n't think its right To BACKDATE Legal and binding documents and as I understand it a new set of Final Closing Disclosure requires a 3 day review period.
12/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TN
  • 382XX
Web
I, XXXX XXXX, is the consumer in fact and I am asserting all rights pursuant to 16 CFR XXXX. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( XXXX ). I entered into a consumer transaction with Mariner Finance , LLC on XX/XX/2021. I provided all of the necessary documentation and I was approved for the amount of {$2500.00}. I signed a promissory note to received funds for the extension of credit, but I never received a benefit or any other exchange for the signature that I provided on the promissory note. I reached out to Mariner Finance on XX/XX/2021 to take care of the matter, but they refused to fund me despite of my signature to the note. The organization said that I didn't provide proof of income within the last 30 days and this accusation is false. I have the copy of my pay stub as an attachment. According to the Equal Credit Opportunity Act, Mariner Finance , LLC is in act of discrimination pursuant to 12 CFR 1002.9 ( b ) ( 1 ). I, consumer, exercised my right in good faith pursuant to the Consumer Credit Protection Act. On the bottom of page XXXX of the promissory note, it states that this instrument is pledged as collateral to XXXX XXXX Bank, XXXX. I, the consumer, demand documentary evidence pursuant to 15 U.S. Code 44 from Mariner Finance , LLC to prove that the organization did not sell this note and receive any benefit from signature. Failure to do so is considered an act of embezzlement by Mariner Finance , LLC. pursuant to 18 U.S. Code XXXX and I assign the Consumer Financial Protect Bureau to exercise its authorities to protect me, the consumer, from any abusive acts to which Mariner Finance , LLC may have induced.
10/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • KY
  • 410XX
Web
I took out XXXX different loans with Personal Finance Company back in XXXX. I had paid these down by several hundred dollars each. I fell behind XXXX month and mailed them XXXX checks to catch up the amounts I was behind on. Not long after I received a letter from an attorney for them. I called the XXXX XXXX office to find out what was going on and they claimed that they did n't receive my payments. I made payments then over the phone and was told I would be sent an agreement by mail from the attorney and everything would be taken care of. They began reporting me as over XXXX days late on my credit report which was NOT accurate information. The attorney eventually mailed me the agreement to sign that I signed and returned to them, agreeing to make my payments as outlined. The next day I got served papers by the court. So nothing they told me was true. From then on I had a very difficult time getting any of them to contact me back about any of this. I requested multiple times for them to mail me my payment history with the remaining balances on my accounts because I felt that they were claiming I owed a lot more money than I did, and I was uncomfortable sending even more payments when they were n't being reflected on what I owed. I reached the point where I had given up getting clear information from them. Several years have passed and they have been reporting me as over XXXX days late on my credit report every single month. They never did fix the initial late credit reporting that was inaccurate. This has ruined my credit and caused my family a lot of detriment. I have tried to resolve this but I have no idea who is the correct person to contact and after mailing letters to their corporate office and trying to contact the attorney I am getting no where. I am trying to set this account straight even though I was grossly misled by this company. Their credit reporting is extremely unfair and they will not even get back to me so I can try to negotiate anything. If they ca n't report accurate information than they need to delete their reporting on my credit.
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28376
Web
RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. XXXX said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
02/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20723
Web
I received a loan from Mariner Finance in early XXXX. Unfortunately I was incarcerated around this time and was unable to make payments on the loan. On XX/XX/XXXX I was still incarcerated but received a letter stating that my account was going into collections, which is understandable. Eventually Im released and on XX/XX/XXXX I called Mariner Finance and spoke with XXXX XXXX XXXX in regards to the letter attempting to collect the debt I owe. I agreed to settle the account and pay {$3500.00}. On XX/XX/XXXX the {$3500.00} was deducted from my XXXX account and paid to Mariner Finance. The Problem comes when I check my credit report and see that the account is still in collections and still has a balance of {$1000.00}. I attempted to dispute through XXXX but I had no luck it remained the same. I called back on about XX/XX/XXXX to speak with XXXX XXXX, I explained to her that my account was still in collections and I had a balance of {$1000.00}. I asked why and she became very hostile, stating that she is not obligated to explain anything to me. I was taken back because my previous conversation with her was pleasant. So I ended the call and tried other ways to resolve this issue through XXXX. After being incarcerated my personal financial situation took a big hit, but I still attempted to resolve my debt with Mariner finance With the thought that it would repair my credit/credit report also, but that was not the case. XXXX XXXX was polite when I was making the payment to settle the account but never explained to me that it will still remain in collections until paid in full. ( I thought paying a settlement amount actually settles the account ). Why would I make a payment of {$3500.00} to still have my account sit in collections? I feel mislead and taken advantage of by XXXX XXXX, and XXXX XXXX Hostility during our second conversation confirmed to me that she knew she mislead & neglected to inform me of the process & what happens next after I made the payment. I havent yet to receive a letter of payment from Mariner Finance as Promised.
03/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 43004
Web
On XX/XX/21 I submitted a Power of Attorney to Mariner Finance with regard to a customer of theirs with regard to trying resolve or restructure a loan to assist my client with repayment options or a possible settlement.On XX/XX/21 I called Mariner Financial to speak with the manager and was told the she ( XXXX ) was not available.I left a message for a return call.On XX/XX/21 I placed another call to Mariner Financial to speak with the manager and was told once again that she was not available so I left another message for a return call.I called several more time the dates are as follows ( XXXX and again on XX/XX/21 & XXXX.I called on XX/XX/21 because my client received two phone calls and a voicemail from Mariner Financial acknowledging that they have my POA on file but requested that she gives them a call anyway.The last two calls were on XXXX at XXXX and XXXX.After learning of these calls I called Mariner Financial on XX/XX/21 spoke with XXXX and advised him the they are violating that I was the POA for his customer MsXXXX.XXXX and that they are in violation of FDCPA in contacting her.He said that per company policy that unless they receive a Cease & Desist they will continue to call her.I tried to explain FDCPA he refused to listen.I asked for his legal department he said to look it up then hung up.On XXXX/I called the corporate office to speak to someone with regard to the violations and was told to contact the branch.I explained the situation to XXXX at corporate she agreed that the branch should the contact my client but could no offer me a contact to the legal department and that I should call the branch. I asked if she was refusing to the give me contact information to the legal department and she said that she couldn't help me with that information.I called the branch back to speak with the manager to resolve the violations and was refused.I explained to XXXX that we will seek punitive damages against the company and I was told to do what we need to do. The address for Mariner Financial is XXXX XXXX XXXX.XXXX Oh.XXXX
09/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 475XX
Web
I was a co-signer for a loan entered in to onXX/XX/XXXX for {$2900.00} with a maturity date of XX/XX/XXXX, the monthly payments were {$98.00} per month for 35 months. This account was paid off XX/XX/XXXX ( Paid off early and in full ) While I was looking over my credit report I seen where this company had reported several late pays to my credit reports, There was never any late payments at all. Every payment was made 1-2 weeks early. I have sent this company two letters to try and resolve this situation, and they have sent me computer generated ledger that does n't even have my name on it, It has the person I co-signed for listed at the top. I so not see this as any proof or verification that any of the payments were ever late, as per the FTC option letter from Attorney XXXX XXXX XXXX, A printout of a bill or itemized document does not constitute verification. They sent me a copy of the contract and it does not have my correct name at the top, It has a last name that is not mine and surly was not legal at the time I signed the document. Furthermore, After I sent the first letter of dispute, They failed to mark my credit reports with the credit reporting agencies as " Disputed '' This is a serious violation of the law. They did go into my credit reports and change dates of the late pays after the second letter. The first letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX The second letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX I feel that they have had ample enough time to research this a little better and send me copies of my canceled checks or take the late pays off my credit report or both. I do not feel that they did anything more than print out copies to send me and then did nothing more to investigate. I have done extensive research on this company and found that they are notorious of holding onto payment and marking them late so they can get late payments from their consumers. However even though they marked my credit reports as late pays, There was never no late fees paid to this company from us
04/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • FL
  • 34482
Web
I took out this loan because I had a few payday lenders that were bankrupting me. Mariner was the only company that would give me any relief by reducing my payments to one a month and extending the time period I have to pay, but only under a Title Loan option. I accepted because it actually appeared this was a rare good financial institution offering things like protection from possible disasters like unemployment or XXXX requiring the Taking of my car. But like one of the most famous FL XXXX XXXX XXXX and XXXX in history, XXXX XXXX, this company smiled and took me in by not letting the true monster out till there was no escape. Within the first few months of taking out the loan in 2019, I was the male victim of a XXXX XXXXXXXX. Thankfully, the man who did this to me is now in jail. That event created a XXXX XXXX XXXX XXXX XXXX with XXXX XXXX, eventually leading to my being laid off at the start of the pandemic. What is occurring makes no sense and is fraudulent. I am a XXXX individual with a title loan that has XXXX insurance. But in an insane through the looking glass twist, Mariner says I have to be working while XXXX to take advantage of it. What? Obviously, most XXXX individuals can not work. This company also has unemployment insurance on the loan, but like a XXXX XXXX, the unemployment insurance has a time limit, which I apparently have exceeded. Ha!! Even more shocking, I received approval for XXXX from the state of Florida already almost a year ago because of my XXXX. This occurred based on my paperwork alone without even interviewing me. Florida did not expand XXXX unlike most states, so this approval shows how severe my case is. Still, I was notified of car repossession by this sick predatory lender yesterday. It is absolutely nuts to be a company that offers XXXX and unemployment insurance and I am a person who qualifies under both insurances, and Mariner still wants to try to take my car, as opposed to having the loan continue to be paid under the insurances I qualify for.
01/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • XXXXX
Web
I was approved for a Title Loan from XXXX XXXX, Part of deal was to pay off old debt with Mariner Finance. I am XXXX and on ly receive XXXX, So I am judgement proof. SO after Mariner receive. The create a second loan for {$250.00} stating my original was paid in less then in full. and do a charge off and report on my credit report as bad debt reported for collections. Mariner is a Predatory Finance COMPANY. i WOULD urge OTHERS TO STAY AWAY FROM them. Originally WHEN THEY BOUGHT OUT XXXX XXXX OF XXXX, XXXX. I WOULD N'T PUT UP WITH THERE HARASSMENT, SO I DISCONNECTED MY NUMBER. THE WENT IN TO MY ORIGINAL HARD COPY PAPERWORK KEPT IN THE BACK ROOM TO FIND MY REFERENCES. SOME MALE COLLECTOR FROM OUT OF TOWN. CALLED EX POLICE XXXX XXXX. WHO HAPPENS TO BE A NEIGHBOR. HE STATED TO HIM BACK IN XXXX OF XXXX. THAT HE WAS A RECRUITER FOR THEM AND I FILLED OUT A JOB APPLICATION. HE COULD N'T REACH ME AND WAS HOPING XXXX HAD MY NEW NUMBER. WHEN I MENTIONED THIS XXXX FROM MARINER WHEN MAKING THIS DEAL. THEY WANTED TO I GUESS PUNISH FURTHER. WHAT XXXX ARE THESE PEOPLE. Bad Debt ; Placed for collection ; ( XXXX ) - MARINER FINANCE , LLC XXXX XXXX, XXXX MARINER FINANCE , LLC has flagged your account as Bad Debt ; Placed for collection ; ( XXXX ). Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. Alert DateXXXX XXXX, XXXX SourceXXXX CompanyMARINER FINANCE, LLC Payment StatusBad Debt ; Placed for collection ; ( XXXX ) Status DateXXXX XXXX, XXXX Balance {$0.00} Balance DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If you feel you are a victim of identity theft, please contact a XXXX Specialist at XXXX.
11/07/2021 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
  • LA
  • 714XX
Web
Mariner finance reported four separate charge off accounts in my name. Only one is correct and the others are not joint accounts that I have not signed on. They belong to my ex husband. Only one account its an installment for {$4000.00} and a little more. I cant remember amount financed but it was secured by a vehicle ( XXXX XXXX ) and was a joint account. The other three accounts reported I did not sign in and they are saying joint accounts. They are reporting I last paid in XX/XX/XXXX which is incorrect. Last payment was in XXXX, vehicle was repossessed in XX/XX/XXXX no other payments made in XXXX and balance on charge off was not set up in a 24 month schedule. They reported the balance was set up to be paid in 24 months. There was no rescheduled payments on charge off. XXXX determined the other accounts were mine. No way possible because I never signed any other loans at Mariner. Only the one with secured collateral of my XXXX XXXX. That was a joint account. No other accounts did I ever sign and mariner tried to get me to set up payments on balance of charge off but I wouldnt so they took it upon themselves to report it like I have and like Ive missed all those payments. It has hurt my credit and is continuing to be reported as missed payments. It was charged off and thats the only thing that should be reported on that loan. The charge off was around XXXX and some. I went to their office and they pulled the loans they have reported as joint accounts Theyre reporting and my signature was NOT on the contracts but they refused to remove them from my credit report. I knew absolutely nothing about the other loans that my husband was responsible for. How can XXXX allow mariner to report false information on my account. I dont have documents to prove but they do. I only did business with mariner one time. They should have to remove those loans and the information they keep reporting to the bureaus each month is false information on my charge off in XX/XX/XXXX.
05/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • KY
  • 42301
Web
Mariner Finance, f/k/a Personal Finance Company, has ruined my credit reputation and continues to do so. I fell on financial hardship, due to a medical leave in XX/XX/XXXX, which left me in tremendous debt. I was not offered workout options to help alleviate the debt I was accruing. Most lenders were willing to work with me. Instead, I received a complaint from Mariner Finance. The complaint contains the incorrect name and address. I called the attorney 's office in order to work with them, and have made my payments. I have not received merger documentation to prove that Mariner obtained my loan from PFC. I also have not been provided with an itemized statement of the charges on my account. I have been making my payments to the attorney 's office, and yet Mariner Finance continues to call to not only solicit me, but then to ask where my missing payments are. They are not in contact with the attorney that they hired to take the case. They have offered me a chance to refinance my loan with no payments until XX/XX/XXXX in XX/XX/XXXX via phone call, and then took the offer back due to the judgment on my account on the same phone call. Then, proceeded to ask where my payments were. I have made my payments, ON TIME, to the attorney 's office since I signed the agreed judgment. At this time, I am considering counter suing for lack of documentation, and emotional and physical distress. I can provide all money order stubs to prove payments are being made, and where the money is forwarded to. Why hire an attorney if you don't even communicate with them? This has been a very unprofessional experience, and many glimpses of false hope were provided. I do not think they should be soliciting me for a refinance, and trying to collect on a debt within the same phone call. This has been a very frustrating experience, and has left me feeling hopeless. I hope that nobody uses this company for a personal loan, and at all costs, avoid making the same mistake that I did.
03/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 303XX
Web
In XX/XX/XXXX, I became aware that my identity was stolen. I immediately filed a police report with XXXX Police Department. Personal Finance was listed in the police report. I called Personal Finance explaining the fraudulent activity, sent over a copy of the police report, and identity theft affidavit. The account was removed off my credit report, and to my knowledge, the account had been closed and resolved. Since the Summer of XX/XX/XXXX, I have not received any phone calls, voicemails, or letters stating otherwise. On XX/XX/XXXX however, I received a notification saying that there has been a change to my credit report. Personal Finance sold the fraudulent account to XXXX XXXX XXXX, placing negative activity on my credit report. I called the Personal Finance home Branch in XXXX, IL to inquire. The representatives stated that they no longer had access to the account and directed me to contact their Customer Relations team ( XXXX ) XXXX XXXX. While going over the fraudulent account with the Relations agent, he expressed to me that there were notes in the account stating that the account was to be deleted based on a police report outlining fraudulent activity. I, then, called XXXX XXXX to address the miscommunication. Neither parties could answer my questions, therefore, giving me no hope for a solution. On XX/XX/XXXX, I called XXXX to dispute the account. To further support the dispute, XXXX advised me to obtain the written notes from Personal Finance concerning the fraudulent account. I reached out to Personal Finances Customer Relations team again. The representative declined to give me any information about the account. She expressed that they could not provide a letter, however, she would pass the account on to the fraud specialist, XXXX XXXX, and he would contact me. I asked if he could do so today, she stated that he was not in the office. I asked for his approximate return date, she was unsure. I requested his direct line, she declined.
01/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30318
Web
To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Mariner Finance ). Making the report is NOT INCLUDED on my consumer report! Debtor ( Mariner Finance ) issuing credit ( installment loa n ) to the creditor ( ME ) is a transaction that is illegally reported on my consumer report by the person ( Mariner Finance ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! Mariner Finance HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS. You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX
06/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Can't contact lender or servicer
  • MD
  • 20603
Web
Mariner Finance put a bank levy to garnish funds without notifying me. They sent no Notice of Garnishment. They didn't make me aware via telephone nothing. I called on XX/XX/XXXX and XX/XX/XXXX and left a message sharing that I would not be able to make my payment until the end of the month. I received no return call and on XX/XX/XXXX all of my funds in my account were frozen. The bank told me to call Mariner finance they wouldn't tell me anything about the Garnishment. I called on XX/XX/XXXX repeatedly. Noone answered. I called back and complained on the answering machine about 20 minutes later. No response still. I called back about an hour later and suddenly the answering machine was changed and XXXX XXXX stated she would not be in the office until XX/XX/2022 I complained again and stated I would be filing a complaint. Suddenly the branch office calls me and tells me I have to talk to XXXX in collections. I call XXXX in collections again because she is who I left the messages with on XX/XX/XXXX. I get the answering machine. I call the branch office back to complain they transfer me over to collections and then I am told to leave a message on yet another collection managers answering machine and they will call me back because XXXX won't be back until XX/XX/2022. I never receive a call back from any manager. I call XXXX on XX/XX/2022 and she tells me they put the bank levy to freeze {$3200.00} ... .every cent I have because I owe a total of {$1600.00} which will bring my account current. I agree to pay. I wait 3 hours for a letter of consent to disbursement of funds to be sent to the branch office. I sign the letter and take it to my bank. They call Mariner finance collections office and cant reach them also. It is now XXXX XXXX and I can't talk to anyone who can help me with my account.I am told yet again the person that handles my account is not there. What type of business practices are they conducting?
02/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • PA
  • 183XX
Web
I received a notice of a loan available to me from Mariner Finance in XX/XX/XXXX. I went to the bank branch in person ( about 1 hour away from my home ) to take out a personal loan in the amount of {$1500.00}. I received less than this because about {$400.00} of that was the cost of taking out the loan. I made my first payment online in XX/XX/XXXX and signed up for automatic payments through my bank. I never received a statement from these people. In XX/XX/XXXX I get a phone call from Mariner Finance telling me I missed my payments. I explained to them that I was signed up for automatic payments but they said there must have been a problem because even though she could see that I had signed up for the automatic payments, it didn't go through. At that moment I paid two months over the phone with the representative and signed up again for automatic payments with the representative verifying the bank information. Again this company never sent ANY statements and I assumed everything was fine since I could see from my bank statements that they were taking the money from my account. On XX/XX/XXXX, I get another call from Mariner Finance. The representative again claims I am late. I ask her how that is possible if I am with automatic payments. She says she does not know how I got kicked out of automatic payments but now I could only make cash payments ( at the branch 1 hour away )! I tried to make an online payment but the system said no online payments allowed. I told the representative to send me a statement and all I get is a printed out list of payments. The list reveals that the first payment I made was reversed by them and again in XX/XX/XXXX. This company refuses to allow me to pay. They seem to want to make it impossible to pay their debt. It all seems VERY shady to me. I can not drive 1 hour every month to pay this bill. I honestly think this company has serious irregularities that should be looked into.
01/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 62864
Web
I opened a loan with Personal Finance Company in XXXX XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then PFC was bought out by Mariner Finance. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into PFC/Mariner in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name Mariner Finance. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with PFC and all loans with Mariner as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. PFC/Mariner, XXXX, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28546
Web Servicemember
On XX/XX/2023 I submitted several distputes to XXXX the dispute investigation prompted XXXX to send me several copies of my credit report with dispute results. On XX/XX/2023 I was sent dispute results XXXX, XXXX, and XXXX. In the dispute results provided by XXXX Mariner Finance is replaced by a company named XXXX XXXX XXXX. This company shows the balance and account number of the Mariner Finance account previously posted but I have no business dealings with this company and it should not be on my report. To my knowledge Mariner Finance has not changed their name but they are currently in a class action lawsuit for illegal practices and procedures. When viewing my consumer file on XXXX Mariner Finance shows but XXXX XXXX is not present. So it is unclear to me which company is attempting to report the debt. This confusion makes it unfair to me the consumer to continue to posses an account that is illegally reporting a debt under a company name that I have never had any business with. Weather Mariner Finance incorrectly reported the account or XXXX incorrectly reported the account it is violation of my rights under the Fair Credit Reporting Act an the accounts with both Mariner Finance and XXXX XXXX should be removed. Also, on XX/XX/2023 i submitted a claim ( claim # XXXX ) to the XXXX due to XXXX refusing to provide the date of last activity for derogatory accounts on my report when their website states " closed accounts will remain on my credit report for 10 years from the date of last activity. The complaint was closed early by the XXXX without XXXX providing the information I requested, however, the two accounts missing the dates of last activity are XXXX ( account # XXXX ) and Mariner Finance ( account # XXXX ). The account for XXXX should also be removed due to XXXX refusing to provide the date of last activity so consumers can identify how long debts will remain on their reports.
02/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21227
Web Servicemember
Account was never sent to collections. Account remained at my home office location until the loan was paid off. I fell behind prior to XX/XX/XXXX. The account was deliquent but remained at the same office. I spoke to the same loan specialist every time I called to make a payment and that was the same loan specialist that set up my loan. In the beginning online. My account was never sold to a third party for collections. Mariner Finance is reporting to all three credit bureaus that my account is collection account. Prior to XX/XX/XXXX I fell behind in payments. XX/XX/XXXX the branch manager told me that the account was in danger of going to court for collections. I paid the past due amount in XX/XX/XXXX. Mariner Finance incurred {$34.00} in court fees. They said I had to pay it at the end of the loan. But every month they said I was past due {$34.00}. The court case was canceled because I made payment XX/XX/XXXX. I continue to pay the payment on time for the next year. It shows on my statement attached that I paid the {$34.00}. At the end of my loan when I paid it off my branch manager said that I was not responsible for the {$34.00}. They need to remove that My Mariner Finance account was a collection account. They fail to properly report my credit to the credit bureau. You can see on my statement that was mailed to me from the branch manager with a letterhead. It states that I made a payment every month either by phone or by ACH. I didn't receive any collection calls to receive the payment and when I called they never notified me that the call was an attempt to collect the debt. Whenever I called they told me I was in good standing. I was current every month from XX/XX/XXXX until it was paid off XX/XX/XXXX. The definition of a collection account is the transferring an account from the original creditor to a third party. This never happened.
05/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 224XX
Web
I have a loan with Mariner Finance. I am a bit behind on payments. When they call about payments, I have told them I can make a payment by the end of the month. They then harass me asking, " well, what day, I need to know what exact date, and how you will be making a payment ''. My husband has a loan with them as well, previous manager, with a late payment of a % of the principal or payment due not totally sure as it's his loan but mine is {$20.00} everytime, I feel this is exceedingly high for being a repeat customer. They also can not keep their records straight. I can not find anything online in my accounts with them about my loan, only a picture of the check. Just recently, I authorized a payment for {$230.00} on XX/XX/XXXX. They only took {$100.00} from my bank account. When I called to see what happened, I was told, " we have a recording of you authorizing a payment on the amount of {$100.00}. I admit, that set me off, what recording are they making of me, so I cussed at the agent. She overheard my husband say we would be calling the Virginia GeneraXXXX Attorney. All of a sudden they try calling me back and left a voicemail saying they actually did have a recording of me authorizing the {$230.00} payment and if I could call them back to authorize a payment of the difference. I have not called them back yet as I wanted to talk to officials. I feel that, several times, common business ethnics, were not acted out and instead made me out to be a villian, acting like basically loan sharks, over an overdue payment. Granted it's not the first one, but we paid the last one with all added fees and made arrangements to do so again and it's been awhile since I've been in the job market with COVID-19 and everything that happens afterwards, but this does not make me feel right, as a customer, to be constantly harassed about late payments when I know I am late.
10/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 244XX
Web
Mariner Finance Company - I was late for two months XXXX XXXX company summons my husband and I to court. I paid all late fees and paid extra and therefore Manager said I didn't have to go to court - he would drop the court case. The Manager did not drop the court case kept it open until XX/XX/XXXX - that was not a problem since we paid every month on time. We paid the loan off early in XX/XX/XXXX - We pulled a credit report recently and they showed we was in collections from XX/XX/XXXX to XX/XX/XXXX ( account was paid in full in XX/XX/XXXX ). They also show that we were late 120 days per month from XX/XX/XXXX to XX/XX/XXXX. How could we be 120 days late each month - I have proof from the bank statements we paid on time. I called the local Manager and she said that it is their policy since we was gon na go to court to show us in collections. I tried calling the company since late XX/XX/XXXX to fix the problem. I even wrote to the CEO - I received a letter back stating they would fix the problem and problem is not fixed as of XXXX XXXX. On one credit report they did remove the collections however they are still showing 120 days late even after the loan was paid off. I've called numerous times and begged for them to call me back - they called me three times and said they would fix - still not fixed. On one call I said I would drive to Maryland to have a person meeting - I did get a call from local branch and she said for me not to go there they would fix problem. Again ; still not fixed. I explained we are trying to buy a home and we can not buy a home - due to this incorrect information. They should be fined for damaging my credit for all these years and all of the additional fees I paid to other creditors due to this negative information. This is beyond sad that Mariner would treat their customers like this- please do not use their services.
10/08/2016 Yes
  • Consumer Loan
  • Title loan
  • Can't contact lender
  • FL
  • 338XX
Web
In XXXX I secured a loan from XXXX XXXX which I was paying on every month until I was my employer unexpectedly went out of business in XXXX unfortunately I became unable to make full payments to XXXX because I was on unemployment. XXXX called and harassed me all day, every day until I felt that I had no other option but to file for bankruptcy which i did in XXXX and it has subsequently been discharged. Because of XXXX actions and antics the bankruptcy trustee is pursuing litigation against XXXX which is now called Mariner Finance, and now Mariner is refusing to relinquish my car title and sign the lien satisfaction letter even though the loan that I had with XXXX was included within my bankruptcy. In my opinion they are choosing to further injure and harass me is due to the ongoing issue within the bankruptcy court which I feel should be illegal and unfair business practicing. I have went to their office in XXXX, Florida in person and I have called them numerous of times regarding this matter and the supervisor XXXX continues to be misleading, giving me the run around. The reason that I am trying to get them to sign the lien satisfaction document is because the car has been wrecked and totaled by XXXX XXXX and they are requesting them from me and I am not getting any help from XXXX ( Mariner ) at all. I have called their corporate office in Maryland several times and all you can do is leave messages and " someone will return your call '' but NO ONE from there has yet to return any of my calls and/or messages! I am no longer in possession of the car, the debt was included within the perimeters of my bankruptcy and the car is a total lost. All I am requesting from them is to sign the lien satisfaction document so that I can provide this documentation to my insurance company so they can fulfill their legal requirements to the State or DMV.
06/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 180XX
Web
Dear madam/sir, I have tried multiple times to remedy this issue. I sent several emails and a letter last month, asking to resolve the account. I requested multiple times for them to write me back, but they never replied. I specifically told them that I did NOT want to speak on the phone, and that I awaited a letter or email in writing. They called and left a message, to which I responded again IN WRITIING in an effort to resolve this account once and for all. Again, I received no written response either via email or letter. I finally simply paid the FULL past due amount {$730.00} online ( I have screenshots of the account payment, and the draft can be viewed from my bank account statement ) : The account misreports that part of the loan is a charge off and the {$730.00} was sent to recovery. After my {$730.00} FULL payment, the company is reporting that the account is STILL delinquent ( after the account went to XXXX ). I have contacted all three credit reporting agencies and asked them to look into it. Each time, Mariner has reported to them that I still owe the {$730.00}, which I do not. The account is now XXXX. This is false information, and they refuse to update with correct information. Although my preference would be to simply delete the entire account from all my credit reports, as they are a filthy business. Even when the account was still open/active ( years ago ), they would harass and call me at work. They would leave messages threatening to put a lien on my home if I didnt pay ( which I believe it illegal ). Im tempted to ask my employer for the recordings, and will if it would help my case. This is absolutely the most loathsome and despicable company to work with. NO ONE deserves to be treated with these high interest predatory loans, and it should at the VERY least be required of them to report the loan accurately.
03/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 628XX
Web
I need help! I had to take out a small loan from PFC in XXXX XXXX IL a couple of years ago for a few XXXX. They then called me to renew and offer me more money a couple of times than I had an emergency and had to get a payday loan for medical expense and at the same time Mariner Finance bought out PFC XXXX XXXX XXXX XXXX IL XXXX XXXX. So they refinanced the loan again and added a couple XXXX to the balance which brought it up to around {$6800.00}. I had borrowed from PFC in XXXX IL and never had problems in the past interest was around 30 % but Mariner is charging me a 36 % interest rate daily and I think it is more like 100 % like a payday lender as they did not explain all and my balance is not going down after months of paying {$260.00} mo. My balance on my credit report is going up instead of down. I called today and asked and they said they set the loan up for 49 mo at {$260.00} mo 36 % daily interest, principal {$11000.00} and if I paid off XX/XX/XXXX it would be {$7100.00}!!! I need help getting out of this XXXX XXXX also doing the same charging me the same rate on a $ XXXX loan, the mgrs know each other. My credit is perfect other than the loan from the last recession that fell behind I wrote you about that is still illegally being reported on my reports the IL AG is looking at, but credit score is now XXXX and no one will refi loans at a lower rate because I dont have a lot of credit cards and that one loan still showing after 7 yrs so they are intentionally keeping my score low as I reported all to regulators so they can make me pay subprime rates to get back at me!! Help me please with this!! I am twice widowed, no help, live on one income, and work at XXXX XXXX XXXX XXXX XXXX!! This loan is suppose to be a fix rate loan and it is instead like a payday loan they are gouging me with interest!!!
08/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 76240
Web
My complaint is with Mariner Finance. I have REPEATEDLY asked the local branch not to call my work number and leave voicemails because I am not the only person that has access to that voicemail. They have repeatedly ignored my request. They called this morning at XXXX and left a voicemail. My Sales Manager got the message and sent me an email. I do not want my co-workers knowing my financial business, but now they do and I am very mad! Them calling my work is against the law, especially when I have asked them not to. I am 1 month behind on my payment due to a financial hardship, and I have tried to get them to help me, and they refused. I told them that I could not longer make the high interest payments and pay the enormous fees but I do want to repay the principle amount that I borrowered from them. I have asked them to eliminate the enormous fees and interest from the account and to just let me make payments on, or even pay off the principle. They will not negotiate on any of the terms. They will only agree to roll the pastdue amount to the end of the loan AND ADD MORE FEES! They constantly harass me with calls and calls to my work. They have intentionaly violated my privacy! Last year my self employed XXXX got XXXX. I have been trying to help them, plus keep all of my bills paid. They have a new baby due in two months. It has been very hard and I am doing the best that I can. Other creditors were understanding and was willing to negotiate the terms of my debts. Mariner would not! Please tell me that they is something you can do about this situation. I told them today to cease and decease on any calls to me. These companies should not be able to get away with the type of collection efforts they use. I have attached two screen shots showing evidence of them calling my work number.
08/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85382
Web Servicemember
I opened my loan on XX/XX/XXXX. On XX/XX/XXXX, their website stated the " today 's payoff '' balance of my loan was {$5000.00}. There was no indication of additional interest or fees. There was an asterisk next to the amount but it only stated that I needed to call the local branch to obtain a payoff balance for a future date. I paid the " today 's payoff '' balance in full on XX/XX/XXXX and received a final confirmation message on their website that " Your payment of : {$5000.00} has been applied to your account. '' I interpreted this to mean my account was now fully paid off. I later found that my loan wasn't paid off I'm accruing interest on the interest. The first time I spoke to them about the balance, I believe I owed them around {$100.00}. I told them that I paid the full payoff balance on their website and was told that they would investigate. The interest continued to compound over time and I hadn't heard back so I reached back out and spoke to someone at my local branch. I provided them with screenshots I had taken for my own records showing the " today 's payoff amount, '' my payment being made, and the confirmation page. Even with the proof that I paid the full balance, they stated they couldn't waive any of the remaining balance and I now owe them over {$130.00} if I want to close the account. I did pay the remaining balance today and received an email from the agent at the local branch as confirmation that is now paid off ; however, this whole ordeal felt very predatory and I'm grateful I had funds to pay off the balance so it didn't impact my credit score. I will never do business with this company again. Also worth nothing- now that I have paid off the loan, I am no longer able to access any of my loan documents on their website nor can I view my loan history.
04/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 45503
Web
I received a loan from Mariner finance in XXXX or XX/XX/XXXX. XXXX was just getting started. I couldn't make payments because I couldn't work. They didn't care. They filed in court for a judgement. I reached out to them in XX/XX/XXXX and caught the account up. They kept sending me a new agreement with added charges, different than the one I signed earlier in XXXX. I didnt sign it. I saw no reason to sign another agreement as I had caught up the existing loan and was honoring that agreement.Even though I caught the loan up and continued to make payments, they got a judgement on XXXX of XXXX. After the loan was in good standing. My licensing bond was then canceled and I was forced to pay a larger amount for another bond because of the judgement on my public record. I paid this loan off in XXXX as I had an extremely bad taste in my mouth. Now its still on my public record but as a paid judgement which it never was because it was never in default to get the judgement. Mariner 's representative told me that if I gave her {$570.00} in XXXX that it would stop the judgement and make the loan current. Why would you get a judgement on a loan that was current. Additionally on my credit report, it shows up as a bad debt, paid after judgement which isn't true as well. Also when I paid it off the payoff had the additional charges on it that were on the new paperwork they sent after I made the loan current. I could go on and on about the ethics of a business who offers no help in the middle of a pandemic and then secures a judgement after you struggled and paid them money to make it current but that isn't my goal. My goal is to have the judgement removed and for my credit report to reflect the correct information. Im not asking for a refund of the extra money you charged me when I paid off the loan.
02/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • NC
  • 28270
Web Older American
On XX/XX/XXXX, I went on Workman 's compensation with my job at XXXX XXXX XXXX in XXXX, NC. I currently am not receiving any compensation from my workman 's comp. claim. I haven't received any compensation at all since XX/XX/XXXX. I have a scheduled XXXX meeting on XX/XX/XXXX with my Attorney and my employer, XXXX XXXX XXXX. I feel this is pertinent information to understand my complaint against Mariner Finance. Their Collection department contacted me, in particular their employee, XXXX XXXXXXXX XXXX. He introduced himself to me and informed me of my delinquent account and when can I resolve this account which is in arrears. I explained my situation of which I understand this doesn't exonerate me of my obligation to Mariner Finance. The second phone call to me from XXXX XXXXXXXX was when he bullied me, saying that he would take me to Small Claims Court if I didn't take care of this late payment to my Mariners finance account and why did I assume this loan if I couldn't pay it back as agreed? A couple of weeks later a man posing as a Sheriff knocked on my door, and handed me a stapled, 2 page paper, to appear at Small Claims Court. This is where I got suspicious, another couple of weeks later XXXX XXXXXXXX called my phone to request a payment and how will I settle this account. I got upset and said that as far as I know when I was served papers to appear in court, that's when it would be handled and I never heard of someone contacting a person, after Court papers, if the court papers are legitimate, are served? I could be wrong and wanted to know if you could validate this for me. I feel that this was illegally handled and XXXX XXXX XXXX XXXXactics are uncalled for and meant to scare and intimidate me? Please help me, as this has never happened to me ever.
11/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 310XX
Web
After receiving a prequalified offer. I applied for a loan with Mariner finance online on XX/XX/XXXX. I was contacted by the XXXX Ga XXXX and was told there is nothing they can do for me. I asked the representative for a reason for the denied loan. The representative replied there isnt a specific reason and that I would receive a letter within 30 days. I contacted customer relations for a explanation. CR REP pulled my application and said that my application was still under review and looks like the denial is going to be do to poor performance and a charged off account. This would explain why the branch rep could not give me a reason for the denial and also suggest that I wasnt given due process as other customers. I had to declare XXXX in XXXX. After discharged in XXXX I have rebuilt my credit and has had a 100 Percent on time payment history with all my creditors for the past three years. My credit score is considered good. My payment history is excellent and I have the free income to support the repayment of the loan requested. Mariner Finance seems to be engaging in discriminatory Bankruptcies practice against Customers who has had to declare bankruptcy while having a existing loan with the company. The company is not allowing due diligence and adhering to the underwriting guidelines for certain customers in particular those who had to declare bankruptcy no matter if we otherwise qualify for the Loan. This seems to be a discriminatory practice. A applicant whos less qualified than another applicant whos more qualified should not be given preferential approval because the more qualified Applicant had to declare bankruptcy at one time of another. This is an unfair act of practice. My attention is to research the legalities of such practices also.
08/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23234
Web
I obtained a loan for consolidation. According to Mariner Finance I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default Mariner Finance issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), Mariner continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be XXXX due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by Mariner Finance would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!
12/28/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 33401
Web
I originated a loan with Mariner Finance for approximately {$4500.00}. After a few months I borrowed more money for a total of about {$8500.00} dollars. The last week of XXXX, I consolidated my debts with XXXX XXXX XXXX in XXXX XXXX. In all, there were about 5 institutions that were sent out a check to be paid off. These institutions included Mariner Finance. Of all the institutions, Mariner Finance in XXXX XXXX XXXX, FL ( Closest in proximity to XXXX XXXX XXXX XXXX ) supposedly did not received their check. I have waited 3 months while still making a {$260.00} payment on the Mariner Finance loan. I stopped payment because they were supposed to get the check 3 months ago. A second attempt was made to pay the loan and there was still problems with executing the payment. loan originated at approximately 34 % APR. The loan now sits at about 28 % APR. I contacted a regional manager who said, well if we have not received the payments, theres nothing we can do. I called and spoke to him on Tuesday, XX/XX/XXXX. I am still making payments on this loan since it was supposed to be paid off in XXXX. My credit has been ruined more from this loan. visited the XXXX dealership to trade in my XXXX XXXX for a newer model. However, because Mariner Finance has a lien on the car, I can not trade my car in for the newer one. It has been three months since my initial attempt to pay this loan to no avail. I called Mariner Finance and told them I had the cash, a bank account, or a personal check to pay off the loan. However, This was supposed to be a quick emergency loan to get out of an immediate financial obligation. This was not supposed to be a loan where I would have to call the corporate office in Maryland to try and get someone to help me.
06/17/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • FL
  • 32073
Web
In XXXX, I obtained a loan from Mariner Finance. As collateral for the loan, Mariner Finance used my then brand new vehicle and items of value in my home. Due to overwhelming obligations, in XXXX I filed bankruptcy ch. XXXX, which included the loan with Mariner Finance. The bankruptcy was discharged in XX/XX/XXXX. After 8 long years of making monthly payments to the auto loan company, their loan has been paid in full and their lien was released. I attempted to obtain a copy of my title from the Florida XXXXXXXX XXXX XXXX XXXX and was advised of the remaining lien with Mariner Finance. I immediately contacted Mariner Finance on XX/XX/XXXX, and left a voicemail requesting a return call. My call was returned on XX/XX/XXXX, from the local office of Mariner Finance, by a lady named XXXX. I advised XXXX of my situation and was advised that Mariner Finance does not have to release their lien as a result of my discharged bankruptcy. XXXX from Mariner Finance provided me with the total amount due of {$3900.00}. My response was that the car is a XXXX with approximately XXXX miles on it and not even worth that amount. I asked about a settlement of {$1200.00} ( 30 % of the debt ), payable in 3 monthly payments of {$400.00} each. I was told I would receive a response to my request later on XX/XX/XXXX. XXXX contacted me, with an offer of {$2800.00}, ( 80 % of the debt ) which must be paid in 3 monthly installments. I advised XXXX that I am unable to pay {$940.00} per month, for 3 months in addition to my current obligations. The call ended. I understand that the debt is still owed ; however, due to the age of the loan ( 7 years ) and my bankruptcy filing, I would expect Mariner Finance to provide me with a more reasonable offer.
01/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IL
  • 628XX
Web
This is an additional a new issue with Mariner Finance! I already filed one complaint about them not working with me after I had to have emergency XXXX XXXX costing me {$5000.00} in XX/XX/XXXX and so had to give them a promise to pay as they immediately sent me a letter threatening to sue me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has never been late before and living on XXXX modest income!!! Today after my car payment and {$650.00} payment on my surgery came out I did not have enough left to pay the {$800.00} I had told them I would try to pay, so I went online to try to set up a payment for my next payday XX/XX/XXXX and it would not allow me to set it up and told me to call the office if I could not pay the full {$1200.00} that is behind today so not even allowing me to pay the {$800.00} they lied to you and said they would accept on my last complaint!!! I then called the XXXX IL office and the call went directly to voicemail do I left a message telling them all and asked them to return my call. No one called back and the last time I left a message in XX/XX/XXXX on the voicemail they denied receiving it. I then called again a few hours later and talked to the manager and she claimed there was nothing she could do and that that was a 15 day notice that they sent me before and I know this right? So basically after asking her if they could wait until I get my W2 from the State of IL and file my taxes or until my next check that I can use mid XXXX all she did was threaten to sue me and bully me and claim to add note to account!!! I am tired of them bullying and harassing me and not allowing me to pay later and work with me!!! Please contact them and enforce the laws!!
12/11/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • UT
  • 841XX
Web
I have had an active account with XXXX XXXX for about 3 years. I have refinanced my loan a couple times during this timeframe. Until XX/XX/2023, I have not missed a payment. Since XXXX, however, I have run into financial difficulty, and have not been able to make my payments. In XXXX, I advised the branch of my difficulties and whether there were any hardship options. They advised they could defer my payment once, so XXXX 's payment was deferred. In XXXX, again spoke to the branch and asked about XXXX options. They advised about refinancing my loan, or to get a title loan. Neither of those options were doable. Since XXXX, I have spoken to the branch often, advising my financial situation has not changed. I would make small payments when I could, in the amounts of {$25.00} or {$50.00}. In XXXX, the branch asked that I call every XXXX to check in. I did this as they asked. In XXXX I began making several smaller payments, trying to reach the amount due, I also tried this in XXXX. When I spoke to the branch in XXXX, they said that the small payments really aren't doing anything, that my loan is continuing to fall behind, and at this point will probably be charged off by end of XXXX if I don't make substantial payments to catch up. I reiterated my request for a hardship option, and again was told this was not available. I asked for a number to the corporate office, and the branch gave me XXXX. I called the corporate office on XX/XX/2023 and provided background to my account, and my request for Hardship options. The agent I spoke with said she would pass my request to the " XXXX XXXX '', a gentleman by the name of XXXX, and I should hear from him within a couple days. I have not heard from him at all.
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32086
Web Older American
The following debts belong to my father XXXX XXXX XXXX XXXX in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A local XXXX XXXX county judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX XXXX Disputed twice still on XXXX credit report ). ( law offices XXXXXXXX XXXX XXXXXX/XX/XXXX ) ( XXXXXXXX XXXX 2 accounts. {XXXX XXXX Cards obtained XXXX XXXX. XXXX began XX/XX/XXXX. ( Mariner finance XXXX XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX XXXX. XX/XX/XXXX XXXX this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.
05/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 801XX
Web Servicemember
Mariner Finance received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from Mariner Finance in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the Mariner Finance homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, Mariner Finance only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.
01/26/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 185XX
Web Servicemember
Received loan from Mariner Finance XX/XX/XXXX in the amount of {$3000.00}. Was told I could pay the loan online only through their website in any amount that I saw fit as long as I made the minimum payment of {$130.00} per month for 24 consecutive months. The first time I logged in to pay the loan amount said upward of {$5000.00} so I called and asked why and was told by rep on XX/XX/XXXX not to worry about that as I pay it will be reflected to show I only received $ XXXX -- plus about $ 400- {$500.00} in interest once I reached the full term of the loan which I Planned on paying back in just three months. The next issue was that the website would not allow me to pay more than {$130.00} as a time so I was unable to put lump sums on this loan as I was initially told I could. There was also a few dollar fee to do so which worried me about even more about the dollar amount shown right from the gate. I was skeptical so I tried to cancel the loan and give the money back. I was told I could not do this. I asked a few months later in XXXX for a copy of the loan agreement because the interest rate somehow jumped approximately 5 % from XX/XX/XXXX to XX/XX/XXXX. I was told no that I should have my copy I originally signed and they don't keep record. That was weird to me. I stopped paying the loan after paying approximately {$2100.00} in XX/XX/XXXX after numerous attempts at getting answers. The debt is now showing on my credit file as delinquent in collections and in the amount of {$2900.00}. I have been reaching out via email as so to have documentation of my claims for the past year with not one response. I want this tradeline removed from my credit reports as it is misrepresented in a myriad of ways.
10/05/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • KY
  • 402XX
Web
I initiated this loan as a debt consolidation. My car was used a collateral for the loan. Therefore it was listed as a auto loan on my credit report. Because the loan was on a car that was already well below the value of the time when I began having car troubles I was unable to get out of the loan because I was hooked. I owed more on the car that the car was worth. I parked the car and continued to make payments over some time I was getting increasingly frustrated because the balance seemed to never go down. When I inquired about how long I will be paying on the loan I was always told a vague response such as go online to look at amortization calculator. They would never tell me how much time in the loan was remaining. After several years of making payments I have had to refinance the loan on a couple of different occasions. The loan still appears as an auto loan on my credit report which prevents me from buying a replacement vehicle although I cant roll this loan onto a new car because the balance is too high. Upon the last refinance someonethis auto loan is amortized like a credit card. No wonder Ive been making payments for so long without satisfying the loan yet. I believe their marketing of a debt consolidation using an vehicle for collateral is deceptive because in essence you are going to pay so much more over the life of the loan. How can they report as an auto loan and amortize as a credit card. Is this fuzzy lending fraudulent? Based on this new information I still have a couple of more years of payments on a car that is more than 20 yrs old. I would like to be rid of this debt. I believe Ive paid enough towards this debt. Im have more than paid for the value of the consolisation.
01/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 61108
Web
At the end of XX/XX/XXXX I advised personal Finance that I was in the process of filing chapter XXXX bankruptcy and the account that I had with them would be included in the bankruptcy. At the advice of my attorney I was to stop all payments to Personal Finance. On XX/XX/XXXX Personal Finance obtained a judgement against me in the amount of {$990.00}. On XX/XX/XXXX the paperwork for the chapter XXXX bankruptcy was filed by my attorney. The proper documents were sent to all of my creditors and Personal Finance filed a claim of {$990.00}. Up until XX/XX/XXXX Personal Finance has reported the account balance to XXXX as {$0.00}. On XX/XX/XXXX XXXX XXXX notified XXXX that the balance increased from {$0.00} to {$1200.00} which is incorrect. They also marked the account as charged off/written off as bad debt as of XX/XX/XXXX. Per the bankruptcy law the account should be reported as closed with a {$0.00} balance. Since filing bankruptcy the trustee has sent Personal Finance a total of 5 payments that total {$88.00} which would bring our remaining balance down to {$900.00} NOT the {$1200.00} that Personal Finance is reporting to XXXX. It appears that Personal Finance has continued to charge interest on the account even though the account was included in the chapter XXXX bankruptcy which is a direct violation of the bankruptcy law. I demand that this inaccurate information be removed from my credit report immediately. My credit score dropped 35 points because Personal Finance inaccurately reported an account balance and a derogatory remark of charged off as bad debt. This account was not a charge off prior to me filing bankruptcy and shouldnt be reflecting as such.
08/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TN
  • 374XX
Web
I entered Mariner finance on XXXX XXXX on XX/XX/2020 to get approved for a loan. I was told by XXXX XXXX that I was approved for XXXX $ only and after showing good credit I could then be eligible for an increase of credit. I was given a XXXX Dollar check that was written off of XXXX XXXX XXXX at the time which is now XXXX XXXX I took the check and cashed it I still have the check stubb from that transaction. I have continued to make payments without really looking over the contract. Recently my credit was ran and I see that my original payoff balance for mariner finance is XXXX which had me raise an eyebrow bc i only borrowed XXXX $ so how am i paying back XXXX on a XXXX $ loan. At this point things were not making much since I then pulled my contracts to carefully read over them. At which point I seen That i was financed for XXXX and i should have recieved 3 checks total, one in the amount of XXXX one in the amount of XXXX and one for XXXX. I was never given the other 2 checks. With that being said I would like the checks traced and find out who signed my name on the checks because I did not. When I was aware of what happened I tried to reach out to their corporate office about the issue they told me there was nothing they could do I could reach out to the store manager about the issue. I do not feel comfortable resolving the issue with the store manager for the shear fact its a conflict of interest and i do not want anyone trying to cover up what has been done! I myself work in the lending industry and am aware that this behavior is unlawful and is considered fraud. I have copies of my contract, check stubb, and pay history available if needed.
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • GA
  • 30252
Web Servicemember
Mariner Finance XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX XXXX XXXXXXXX Mariner Finance , LLC, claims they sent an unsolicited loan check to an address that I have not lived at for over two years and is also claiming that someone cashed it, they are now demanding payment for the loan from me. One of their representatives reached out to me due to the signature on the check not matching the name on the check. I informed her that I had never even heard of her company much less cashed a check from them and that it was fraudulent and they needed to have it removed from my credit report. I was then informed that I would have to place a police report and give them a copy of it. I did not create this situation but I went and filed the report as asked and gave them a copy of the case number to follow up on. At this point they have now demanded that I come to their office and sign an affidavit so they can further investigate. I refused stating that it was their responsibility to resolve not mine and I will not waste my time and money helping them resolve it. They have now began to call me numerous times a day always someone different from a different office, and a barrage of emails demanding payment threatening to turn it over to collections and possible legal action. I have a copy of the check in question and it clearly shows someone else 's signature. After a very close examination of the check there is no stamp, signage, or even a location address of where it was cashed and by who. When I asked Mariner Finance , LLC to provide this information and proof that the money was actually paid out they refused. This really seems like some kind of scam.
02/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TN
  • XXXXX
Web Older American, Servicemember
On XX/XX/XXXX I applied for and received a loan from a company called Mariner Finance. This particular branch is located at XXXX XXXX XXXX XXXX XXXX. XXXX TN XXXX ( XXXX ). As I understand it they are a subsidiary of XXXX XXXX. The purpose of the loan was to install a chain-link fence in my backyard to keep a dog Id recently rescued from escaping. I bought the fence from a company called XXXX XXXX XXXX. They are the ones that recommended Mariner Finance. I had trouble almost immediately with the finance company. I had originally authorized them to deduct a monthly payment from my checking account. What happened was they failed to deduct it by the due date and charged me a late charge. These charges occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After all of these late charges I decided it would be best to pay this loan off as quickly as possible. So I began making larger payments. According to the contract I borrowed {$2500.00} for a term of 30 months at a rate of 16.99 %. The finance charge was supposed to be {$600.00}. I began to monitor the details of this one online. What I discovered I was that they were charging different amounts for the interest each month. I calculate that Ive been charged {$760.00} so far. Id only had the loan for eleven months. My next payment isnt technically due until XX/XX/XXXX. Ill be interested to see how much interest the charge on the next payment Ive scheduled ( {$450.00} ). I hate to think how many others these people have done this to. I should also point out that Mariner has made false claims to the credit bureaus. That ended up dropping my score by 50 points.
09/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AZ
  • 85260
Web
I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an XXXX score of XXXX, which I have never had and I kindly said you must have a mistake. I called XXXX 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by XXXX employee my score was not XXXX that there is no way they would show that if they were simply using the information provided by XXXX XXXX The store assured me they dont use any scorring models of their own, simply XXXX information. XXXX told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost XXXX and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.
05/07/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • NY
  • 13045
Web
I took out a loan for a used vehicle from Mariner Finance. The company worked with me until the vehicle got to a point that it always had something wrong with it. At that time ( about XX/XX/2017 ) I told the company I was going to have to buy another vehicle and I would not be able to pay a big payment or be able to fix the vehicle. They would'nt lower the payment enough for me to afford. I then told them that I can't pay. They then started calling and calling, I told them the same thing over and over again. They finally stopped calling. While checking my credit report, I noticed they had sold the loan to another lender. I never got any notification of that. I called Mariner finance and they told me who they sold it to ( I don't remember the name of the company ) but I called that company and they told me they had sold the loan to another company, so I called that company and they said they sold the loan as well. I never got notification from anyone, not Mariner Finance, or the other 3 companies who bought the loan. I did get a phone call early last year from someone telling me that I owed them for the vehicle, but I told them not to call me anymore and that I was not paying because they are not holding the lien on the vehicle. Mariner Finance is still holding the lien on the vehicle. I'm not sure who to pay for the remainder of what I owe on the vehicle and I am not sure who should be holding the lien. I am not paying someone and then not getting a lien release from someone else. This is a very confusing situation. I know I have rights and I am sure that someone should have let me know what was going on with the vehicle.
10/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • 28358
Web
I have asked the company to send a statement of how much I owe in order for me to make payments on the account. The creditor stated that by law they are not require to send me a statement with the balance on it and that I was aware of how much I owed. I advised the agent that I did not know how much I have remained on the account. The agent was very nasty and advised me that they would come and take the vehicle that they have a second lien on it. I asked the agent to communicate to me in writing and to cease and desist calls. I am victim of hurricane XXXX that occurred in XXXX County North Carolina. My stepdaughters loss their home and everything they have. I was without lights for 6 days and water for 2 weeks. The company called after I spoke with them in XXXX or XXXX and advised to contact me by mail. I advised the agent I know of the debt and will make payment as soon as I could. The agent began stating again that she would come and take the vehicle because they have a lien on it. I advised her I could not pay anything at this moment because I have been out of work for 2 weeks now and did n't know when I could return back to work due to the hurricane. The agent advised me that the hurricane was two weeks ago and I knew I had the debt before the hurricane occurred. I advised the agent once again not call my phone anymore because I had on a previous conversation advised her to cease and desist all calls. I hung up the phone at that time I felt she was trying to intimidate me the agent called right back and stated that the agency would garnish my wages. I asked her again to not call my phone and I hung up again.
11/17/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NC
  • 27893
Web
I was summoned to court on XX/XX/XXXX for an unpaid balance owed to Mariner Finance. XXXX XXXX had contacted me on XX/XX/XXXX at XXXX to see if I wanted to make payment arrangements after they had already filed court papers against me. I advised him that I was going to make a payment on XX/XX/XXXX and that was not enough to satisfy my debt. I had called in to speak to XXXX XXXX on XX/XX/XXXX wanting to make payment arrangements for today and on XX/XX/XXXX in the amount of XXXX but he quickly advised me that was n't acceptable. The conversation got heated due to not coming to an agreement on a suitable payment arrangement and XXXX XXXX continued to over talk me. I felt very intimidated when he advised me that I owe them money and I need to pay it. He continued to over talk me and he advised me that I do n't need to be rude to him nor have any kickback. I advised him about my situation and the reason I was past due. I was in a near XXXX XXXX XXXX on XX/XX/XXXX in which I almost got XXXX in a XXXX XXXX XXXX due to the other party XXXX XXXX XXXX the XXXX and nearly XXXX me, his wife and child and maybe himself. I advised XXXX XXXX when I got my settlement back that I would pay this debt off and he kept asking me when I was getting it. I advised him that I was n't for sure. I understand XXXX XXXX has a job to do but that 's not the way to do it. I understand I owe my debt and I own up to my debt that is owed but that 's not the correct way to treat a consumer if they are at least trying to pay. People run into hard times but it seems as if XXXX XXXX is only wanting a paycheck and not wanting to help the consumer.
12/29/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • PA
  • 19120
Web
I was speaking with someone from Mariner Finance on XX/XX/XXXX, who stated that I need to make a payment on XX/XX/XXXX. I informed them that I would call in on XX/XX/XXXX to make that payment. On XX/XX/XXXX before I could even call, the Branch Manager XXXX, called and left a message. I was unable, to answer because I was at work. She called a few more times. Then she sent me a text that said XXXX this is XXXX the branch manager over at Mariner finance. You need to call me back today. I need a payment today or I will proceed with legal action and we will bank levy your account. You refinanced the account and have yet to pay us back. I got the text from her personal number and immediately called her because I know I had just told them the day prior that I would pay that day XX/XX/XXXX. When I got on the phone with XXXX, she was very rude screaming telling me she doesnt care that Im being nice. That I dont pay her at that very moment she will call her lawyer on me. Hanging up on me. Then calling back yelling and screaming again and hanging up. I was then called by another manager who offered to take my payment. He was pleasant but I could barely even talk because I was crying so much because what she had done to me. I was being recorded while he took the payment so he has that recording of me crying nonstop. She really made me feel like less of a person. She didnt care about what I was going through in my life and that showed in her actions. I was unable to work to my full capacity because she had made me feel so low of a person. She created an XXXX XXXX for me which caused XXXX, fear ... can not concentrate.
09/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 27455
Web
On XX/XX/XXXX I received a call from Mariner telling me that I was {$43.00} short on my last payment. I had been over paying the loan and on XX/XX/XXXX I went to the website to check my monthly statement and it said the amount due was {$20.00} and that's what I paid through my bank ( XXXX XXXX ). They pay all my bills since I suffered a identity theft in XXXX. The payment was made days before the due date of XX/XX/XXXX. They wanted me to pay the shortage over the phone in which I refused and said that I would pay as I normally do. He continued to push me to pay right then so I ended the call. This was my 2nd issue I had with this group. When covid started they offered all account holders a chance to refinance their loan in which I looked into. They came up with a {$9.00} difference and adding 6 months to the term, I declined, that's when the XXXX XXXX started from the rep. trying to force me to take the new loan I again refused but he continued to argue with me as to why I wouldn't take the deal I again ended the call, immediately after that I got a call from the branch manager and she continued the onslaught of insults toward me for not taking the new loan, I felt {$9.00} a month and additional 6 months just wasn't worth the trouble. I check my balance regularly on the website and it is never matched to what they tell me I owe its always more $ XXXX and I feel that I've been stuck on one figure for quite sometime. Each time I have talked with them they try strongarm tactics, the Mariner branch in question is Mariner Finance XXXX XXXX XXXX XXXX in XXXX NC. this were the loan originated.
10/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20744
Web
Due to COVID-19, a state of emergency was issued on XX/XX/2020 in Maryland. Governor XXXX XXXX issued an executive order for financial companies like Mariner Finance to freeze interest on loans and not impose late fees during COVID-19 and the state of emergency. The interest ( 23.99 % ) on my personal loan with Mariner Finance was not freezed as of XX/XX/2020, the date of Governor XXXX 's executive order. In addition I was charged a late fee of {$29.00} on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020. On XX/XX/2020, I spoke with a Mariner customer service executive who infomred me that Mariner Finance was not able to freeze interest and waive late fees during the state of emergency resulting from COVID-19 although the Governor XXXX had issued the executive order. I am submitting this complaint because Mariner Finance did not implement Governor 's XXXX 's ( MD ) executive order for businesses to freeze interest and not impose late fees. I had spoke to customer service representatives on a number of occasions and had explained that I was impacted by COVID-19 but to no avail. One customer service representative told me that I work for the U.S. Labor Department so I should be able to go to work to deal with my hardship. She had no idea that I had since retired. I did not receive adequate customer service during the height of the pandemic. The customer service representatives at Mariner Finance could care less about their customer 's who are/were impacted by COVID-19. I look forward to hearing from you. Mariner Finance Account # XXXX -- XXXX XXXX XXXX XXXX XXXX
02/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • UT
  • 84005
Web
When I applied for my loan in XXXX of 2016, the Loan Officer that was taking my application filled out half of my application. Things went by vey quickly, and he was marking boxes, and putting in value of different assets himself. After about a year of making payments, the payment amount did not make sense when I calculated the original loan balance and the scheduled payments. It was not until I called the company and asked them why my payments were so high that I was told I had insurance on my loan. I did not approve of this insurance being added onto my loan. I have also asked for statements and amortization schedules on several occassions. I finally did get a payment summary, but never an amortization shedule at any time when I have requested it. I have also tried setting up my account online, but always get an error message. I also noticed on my payment summary there were a couple of payments where {$0.00} was added to my principal balance. Although my interest rate is high 35 %, there is some portion of my payments that should be going to principal. Furthermore, I did not give permission to put insurance on my loan, and again, my Loan Officer filled out half of my loan application. There is no way to get into your account online, and Mariner Finance does not send electronic statements or statements via mail. They never let you know what is going on with your account, and when you ask for information, they don't come through. They have absolutely refused to send me an amortization schedule. Again, I have asked several times, and have NEVER received one.
12/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 336XX
Web
I originally attempted to change my due date upon recieving funds from this company. You can never get thru to a specific branch. I made a payment XXXX and funds were not attempted to be removed until the XXXX. Per my online bank payment was declined was not enough funds to cover it in my spending account. I moved money over from my savings to my checking immediately. I called the branch located closest to me talk to someone the gentleman confirmed there was not a decline of funds on their end. I asked would system try to recoup payment a XXXX time and he wasnt sure but didnt think so. Me scared of getting a past due fee and owing money for return fee I made a XXXX payment. I went in office logged into my password protected bank website showing both payments. I was later called asked for a statement. I was not able to give it because statements are drafted end of the month. They claimed they would work with me but they needed something with my name and the transactions. I spend money on things like normal people so I used my search bar to ensure transaction history showed the 3 payments I made thus far and even showing the day the funds were deposited. Since its the transaction history when I use the scroll bar to show other transactions it was not going to show my name. I am upset because its near XXXX and I said from day XXXX change the due date so its not so close to the first check of the month. These people are holding my funds if I get the statement in XXXX for XXXX the payment due the XXXX that will defeat the purpose of asking for it back.
10/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • FL
  • 32505
Web
Also improper contact and sharing of my information to an unauthorized person not on my account. False statement of what they are calling in reference to. I receive harassing phone calls constantly from Mariner Finance. Now there is a lady from the headquarter office name XXXX who 's calling me harrasing me about a payment i was told to make that i made to keep them from coming to seize my car. Two weeks later i get a threatening call yhat they are going to make decesion on XXXX/XXXX/2016 of what they are going to do saying that i did not make a payment that i did make two weeks ago. XXXX # is XXXX the local office # is XXXX where i also receive threatening and harassing calls from.When XXXX called on XXXX/XXXX/2016 my friend who had my phone answers and told her i was not available and she would take a message ... XXXX went n about the reason of her call and about a payment i made and so and on which should not have been discussed with this party regarding my account my friend told XXXX she has nothing to do with that she just can take a # XXXX went on still discussing the reason she was calling which was none of my riends business she also made the comment that it not that person she can relay the message of what she is calling about in such words. When i did try to call her she was yelling at me in the phone because i told her she was a liar. Therefore i hung up in her face being that im not a child and she will not yell at me. The people at the local branch have even went as far as calling me from a *private call* in reference to this matter.
06/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • 19082
Web
First, I will start off by saying that I gave Mariner Finance 1 star only b/c the staff was polite BUT I have had the most horrible experience with them. In XX/XX/2021, Mariner Finanace took 2 payments out of my account that I did not authorize which caused an overdraft in my bank account. My account with them was falsely flagged as late. By the time they looked into it a month had gone by and they asked if I wanted the payment back but by then it was no point since my next payment was coming due and the damage had already been done. Never got reimbursement for the overdraft they caused due to their negligence. You also can not make additional payments online or via the app you have to call and potentially have the experience I had with them taking more than they are suppose to. I applied for a loan on XX/XX/2021 and sent everything they needed for it. Mariner Finance took so long to process my application I went on vacation from work for a week came back to work and it still wasn't processed. By the time someone got back to me, I had to resend every document I had already sent twice. Finally closed on the loan this past Tuesday. It's Friday and I never recieved the funds on the loan. The end of XXXX I called Mariner finance because I have not been able to make payments and the only options they offered me invilved further harming my credit score. It's not worth the high interest rate and fees they charge people the stress and aggravation. Their politeness is not enough to compensate for the experience I had with them nor the service.
06/04/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 925XX
Web Older American, Servicemember
About two months ago received an e mail Mariner Finance that I had opened an account with them. This e mail was ignored thinking this is just another scam. On XX/XX/2019 received another e mail stating the payment is now past due. There is no account number or amount provided only four different ways to pay. I decided to call and let them know they have the wrong person and that I have never done business with them and have never been near the address in Georgia provided. The number called was XXXX and I talked to a XXXX XXXX. She told me the amount was {$1600.00} that was given to somebody via USPS where they apparently only needed to sign the check to open this account. She confirmed the last four digits of the SSN were not mine and would check into the matter and call me back. There complete address for this office is Mariner Finance XXXX XXXX XXXX XXXX, XXXX, GA. I contacted the State of California Bureau of Security and Investigation that sent me a letter stating I need to call the Federal Consumer Financial Protection Bureau XXXX which I did and they directed me to this site to report the crime. I called Mariner back today and was given a customer support number XXXX that told me go tell the police because someone has committed fraud against me so I told them Mariner is the one attempting fraud. At that point they essentially told me the go to XXXX and hung up. It is very clear Mariner is running a criminal operation and given my age appears to be targeting the seniors. Please stop them before they do any more damage.
01/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30318
Web
To Whom it may concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. XXXX XXXX xxxxxxxx XXXX with a balance of {$2100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
02/24/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 90723
Web
I opened a loan with Mariner Finance LLC in XXXX. I only made one payment and I was not able to make in other payments due to a hardship related to COVID -19. I recently contacted the XX/XX/XXXX company to try and see if there were any settlement options for me due to my hardship and since I was ready to try and settle this account since now I am in a better financial position. They said no you dont qualify for any settlement options because you only made one payment and the second payment was returned NSF ( due to my hardship COVID -19 I couldnt make additional payments ) you dont qualify for any settlements thats our policy. On XX/XX/XXXX I received an email were it clearly states that theres settlement options for me and even shows me a principal balance of XXXX I called the following morning to discuss the email and again they stated there was no help for me because I didnt fall with their policy guidelines. They didnt even take my hardship into consideration. Even the manager asked me clearly you filled a complaint I said yes with XXXX XXXX XXXX. Like she was surprised. Nowhere in the email does it state I may not qualify for settlement options I even read the fine print. This email is misleading to me as a consumer and having no settlements options for me its even harder to comprehend due to my hardship. They didnt even ask me if I had proof of my hardship nothing the representative also stated this is a yearly CAMPAIGN this is why you received the email, however we cant assist you.
12/30/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • MD
  • 21202
Web
I submitted a complaint to you all back in XXXX of 2015 n regards to myself and Mariner Finance please use my previous information to locate that complaint as it is vital to the complaint I making today- Mariner Finance hired a company by the name of XXXX XXXX . XXXX XXXX hired an employee by the name of XXXX XXXX. XXXX was hired to have me served in order to have a judgment by the court of law placed on me for the remaining balance of the car they sold after repossessing the car from me in XXXX of 2015. The cause of this repossession was not at all my fault I purchased a money order in the amount of {$430.00} on XXXX,2015. Mariner swore they never received the payment. I went as far as tracking the money order complaining to the post office raising XXXX, faxing proof to Mariner. On XXXX XXXX I received a call from " XXXX '' from Mariner Finance very rudely asking me what my intentions are? I begged his pardon and asked what are you talking about. He said to me a payment posted to my account XXXX XXXX for {$430.00}. I laughed so hard and said I have not sent you all a dime since you took my car that was the payment that you all claimed you never got. Just as I thought my payment set on someone 's desk the entire summer. It was probably mishandled for the week it came in was XXXX of XXXX. As you can see there are several issues here and this has caused a great deal of stress. For additional info please see previous complaint made back in XXXX. However this time we are dealing with Fraud!
05/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 32832
Web
XXXX ny office, i was a cosigner on loan with my mother with my car as collateral, she went bankrupt and would not talk to me about the anything other than make a half payment and they would we be in touch with me to figure out the rest after the bk, well they took my car, i told XXXX XXXX ( XXXX ) i would i pay the past due amount to bring it current and they want nothing to do it with it, i was lied to by XXXX at mariner finance they said my mother committed fraud and i do n't have my car. i am husband and father of XXXX and have had two pervious loan s that were paid faithfully and on time and now no car even trying to make this situation right, please let me pay what i owe to reinstate the loan and i will assume all of the payments from here on out inc the repo fees. Also after furtherin review, in nys there must be a cosigner form signed by the cosigner and that form was issued to and signed by the borrower, due to nys statue it does say if the bank does not follow the proper co signer steps the cosigner is not obligated to loan at all. This company never contacted me after i made a payment they as me to, they did not inform me that the loan was in default after i made the account current. all i want to do is pay the loan now seeing my mother is out of the picutre this is my car they also refused to tell me where the car is so i can grab my personal belonings, credit cards, personal mail and bils title to my wifes car as well as peronsal things of my kids.
07/14/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28273
Web
I had a debt for 12 months no interest with a company called Regency Financial a part of XXXX XXXX in XXXX, OH. I made every single payment on time not realizing I was only paying the minimum balance as I was told it would clear the debt. I spoke with them and they explained the terms of my loan. I then went in an agreement to make double payments because they required me to call or come into the office every month. Coming toward the end of the loan they tell me I owe much more than I expected because they charged a late fee every month, even though they told me I could double up payments. They never mentioned a late fee. They end up selling the debt to Mariner Finance. At this point I feel scammed so I decide I am done with the deal all together. On XX/XX/2020 I receive a settlement offer while I am Furloughed from my job. 1 month after I start back working I call and speak to XXXX who says that has expired and in 2 months my balance has went up another {$600.00}. I ask to speak with the supervisor and she is rude saying that was only a COVID deal. The next morning I get a call from XXXX who then says he will take XXXX XXXX off and he will pursue legal action as he can see now I need them so he will not offer a deal. He then laughs and says never mind you live in NC have a good day. I then called back to ask for an email of the new balance that they were requesting and was told that he could not send it to me even though they sent me an original settlement offer.
04/03/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91387
Web
I am filing a complaint against Mariner Finance due to the practices of the company. Dealing with Mariner Finance I requested multiple times to not contact me until after XXXX Monday - Friday due to the circumstances of my employment. Not only has Mariner Finance violated my rights it was as if I never requested for them to not call me between the hours of XXXX - XXXX. Due to their violation, I requested {$1000.00} per violation. I am backing up my claim under Fair Debt Collection Practices Act : 15 U.S.C 16929C ( A ) ( 1 ) which states at any unusual time or place or a time or place or which should be known to be inconvenient to the consumer. In absence of knowledge of circumstances to the contrary ; a debt collector shall assume that the convenient time for communicating with a consumer. Marnier Finance has constantly contacted me at numerous inconvenience times which could have led to other consequences at my employment, as a result they have violated my rights plenty of times but here are the most accurate times they have contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this was after I asked them not to contact me until after XXXX pm XX/XX/2023 XXXX am XX/XX/2023 XXXX pm XX/XX/2023 XXXX pm As you can see through the complaint, Marine has violated my rights which make it to where the company is responsible for {$1000.00} each violated. If you have questions, you can email me at XXXX or contact me at XXXX Thank you, XXXX XXXX
08/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MD
  • 20706
Web
I obtain a loan for {$2500.00} through a pre-approved offer in the mail from mariner finance. When i tried to make a payment, I was informed to go online to make my payment. I went online and made 2 payments 1 for {$96.00} and another for {$500.00}. When setting up the payments to be debited from my checking account, I inadvertently added an extra digit to my checking account numbers thus the payments did not go through for incorrect account number. I was contacted by Mariner Finance and realized the mistake and corrected it immediately and made a payment of {$96.00} which was debited from my checking on XX/XX/18. I then sent a check in the mail to the branch in XXXX XXXX, MD where my account is held for a {$1500.00}. On XX/XX/XXXX I check my account online and noticed I had a late charge for {$29.00} even though I see the {$1500.00} was credited to my account. When i called to inquire about the late charge the representative I spoke with informed me that my account was coded as not to accept checks because of the 2 items that did not go through because of the wrong account number and even after the other charge was debited from my account onXX/XX/18 ; it their policy that i must come into their office and pay cash or by money order. This is unacceptable as a consumer that I should be inconvenience or pay extra to send a payment to each month to Mariner when they already received a payment from my account with the corrected account number.
06/09/2017 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
  • LA
  • 70817
Web
I had a personal loan with this company. When I applied for the loan, I opted to purchase the XXXX insurance. In XXXX, I was out on medical leave and made a claim with the XXXX insurance. I submitted the required paperwork from my doctor so that the XXXX insurance company could make the monthly payments until I was discharged from my physician and returned to work. Every few months, I was required to submit an updated physician 's statement in order to keep the claim open and so that the payments would be made to the loan company, which I did. In XX/XX/XXXX, apparently the XXXX insurance company submitted the monthly payment to the loan company late. The loan company has reported to the credit bureaus a 30-day late payment. When this appeared on my credit reports, I called the loan company and the manager, XXXX, informed me that he would have this removed since the payments were being made by the insurance company and it is beyond my control. XXXX was successful in having this removed from my XXXX report ; however, it was not removed from my XXXX and XXXX credit reports. I contacted the loan company again and was told that XXXX was no longer employed with the company. I explained the situation to XXXX and she stated that there was nothing they could do and that I should submit a dispute to the credit bureaus in order to have the late payment removed. I have disputed this item multiple times and it is still on my credit reports.
08/16/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33511
Web Older American
On XXXX XXXX I was given a loan for {$2000.00} from Mariner finance company.Because of my credit score they wanted to send a check to the company I wanted to pay.The {$2000.00} which I and the mariner manager endorsed was sent to XXXX, c/o XXXX.The check was sent out XXXX and received on XXXX/XXXX/2016 .The check was also cashed on that day .The next day I called XXXX and they informed me they had not cashed the check.What happened was that the XXXX envelope was delivered to a XXXX by mistake and they cashed the check.After many calls to Mariner finance they have still not located who cashed this check.The check in question is a XXXX XXXX XXXX check.I filled out a fraud investigation form through Mariner and XXXX XXXX XXXX on XXXX XXXX is now XXXX XXXX and they have still not found who cashed the check.My problem is that the first payment to Mariner finance is XXXX XXXX have still not received my money from Mariner.I have called almost every day and still they refuse to send me a replacement check for XXXX.XXXX to whom I wanted to pay is a high interest company that loans you cash and deducts money from my bank account every XXXX and XXXX of the month.Since this all started on XXXX I figure I have given XXXX around {$600.00} in interest.I need your help because it seems I am the one suffering dearly through this whole ordeal.Thank you, XXXX XXXX.XXXX, XXXX Florida XXXX.My cell phone XXXX XXXX and my home phone is XXXX ... XXXX
08/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • OH
  • 43062
Web
I was told by XXXX at Mariner Finance on XXXX XXXX, 2020 to payoff {$9000.00} before XXXX. XXXX, 2020 and there would be no interest or fees. I asked her repeatedly & she even circled the amount on my document to confirm that if I paid {$9000.00} before the 1st due date which is XXXX. XXXX, 2020 there was absolutely no interest or fees. When I called on XXXX XXXX, 2020 to confirm the payoff amount before bringing the funds into their office ( ie:1 month later & I accrued {$400.00} interest? ), they gave me a different amount of {$9400.00}. Which I tried to correct them that was incorrect from what XXXX told me & circled on my document, but they refused to listen & stated unless I paid {$9400.00} on XXXX XXXX then I would continue accruing interest before my 1st due date of XXXX. XXXX, 2020. I contacted their Branch Manager XXXX the day after, but she refused to listen to me that what I was told should be honored & that I paid before the 1st due date of XXXX. XXXX, 2020. Therefore there should be no interest or fees. Not to mention they ran my credit report for the 2nd time after I was already approved the 1st time. I also was blind-sided with them taking the title to my car for collateral, which that was not initially discussed over the phone. I would like this issue resolved with reimbursement of {$400.00}, which is the difference from the {$9000.00} that I was originally informed to pay before XXXX. XXXX, 2020.
05/29/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MO
  • 64119
Web
XX/XX/XXXX Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.
06/01/2020 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
  • Their investigation did not fix an error on your report
  • IN
  • 462XX
Web
On XX/XX/XXXX, I mailed XXXX a letter disputing 3 accounts such as : XXXX XXXX XXXX XXXX XXXX and Mariner Finance. On XX/XX/XXXX, I received a letter from XXXX in response to my dispute advising the credit items for XXXX and XXXX XXXX has been deleted from my report, but Mariner Finance remains due to the company certifying the info. is accurate. So on XX/XX/XXXX, I mailed a certified letter to XXXX requesting that they provide their Method of Verification, the name, address, and phone number of the person contacted regarding this alleged account, and any documents provided by the company, bearing my signature, showing that I have a legal binding contract with the company and that I am obligated to pay them the exact amount claimed in my file. To my surprise on XX/XX/XXXX, I received a response from XXXX advising they will not be reinvestigating my dispute because the creditor has already verified the accuracy on this account and they are claiming the info was obtained from a public source, such as a court or government office. They are also asking me to provide additional info to support my claim and then they will reinvestigate ; I don't have any information on this account because clearly I don't recognize this creditor which is why I sent my initial dispute and which is why I would like to see the signed contract by me with this company obligating me to this account and this exact amount claimed.
05/29/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MO
  • 64119
Web
XX/XX/19 Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.
05/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 410XX
Web
I had reported Personal Finance Company, now known as Mariner Finance in regards to their handling of a personal loan I had with them. They had agreed that if I paid their offered settlement amount, they would delete ALL negative reporting history and late payments reflecting on those accounts from my credit report. I paid the offered settlement amount over the phone after speaking with one of their representatives about what they had offered through their response to my complaint. They agreed that the actions promised would be taken. I made certain to have the rep confirm that the late payments would be deleted from my report right before providing my credit card information to make the settlement payment. She agreed this would happen and so I made the payment. Despite all of this, Mariner Finance has lied and did not remove the late history for this account from my credit reports as promised. I have in writing from them where they said this would happen and attempted to dispute this with the credit bureaus and Mariner Finance still refuses to do what they promised to do. Not only that, but they changed the status of the account to a charge-off, after I had paid what they asked. This is completely unethical and horrible treatment of the customer. I have attached a copy of their original response to my first complaint that shows where they said they would remove the late payment history.
06/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30236
Web
XXXX XXXX XXXX XXXX XXXX, MD XXXX Extremely inaccurate information was reported to my Credit, and different information was reported on each Bureau Inaccurate information was reported to my credit. Much in the information was not even consistent with anything considered normal. My XXXX report showed a balance if {$680000.00} with a monthly payment of {$18.00}. My XXXX showed a past due balance of {$700.00}, no account number, and a monthly payment of {$18.00}. It is a known violation with the FCRA for any creditors to give reporting agencies inaccurate financial information about you. The above reporting represents malicious reporting practices or at the very least, extreme negligence. I was advised by XXXX representative to contact an FCRA Attorney regarding the business practices for Mariner. I did also dispute the inaccurate account with XXXX and XXXX as well and reported the violation to the Attorney General In Georgia ( Ref number XXXX ) While I was on the phone with the Attorney General I was advised to file an additional complaint with the Consumer Financial Protection Bureau. I have notice that there are several complaints placed against this organization and would like to encourage consumers to use some of the tools, and information in this post to hold companies like this accountable for the fraudulent/ inaccurate information in which have lasting damages.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19007
Web
I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXXXXXX XXXX who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. Mariner finance was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or XXXX. I even asked Marinier Finance written proof that it was paid and it was denied to me.
05/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NC
  • 27406
Web
I have dont everything I know possible to get this account taken off my credit . Mariner Finance told me that once I submitted a police report, it would be taken off. That was done in XXXX of XXXX . It is now XXXX XXXX , XXXX and it is still on my credit. The branch manager of Mariner Finance - XXXX - knows the account is not mine and has physically spoken to the account owner. I can provide bank statements that show I never cashed this check or even knew about it until XXXX of XXXX . And since then, I 've been trying to get it taken care of. Wha t Mariner Finance is doing is illegal. My credit score ha s gone down SIGNIFICANTLY due to the amount of the loan and the delinquent/late payments. XXXX said the fraud investigation would take 30 days, then she said 60 days ... well now it 's been well over 60 days and still no response. By recognizing and acknowledging that account is n't mine, what they are doing is illegal. They can not keep someone else 's account on my credit. The check should have never been processed in the first place when my sisgnature and my phone number and my bank account were n't the ones used! Who does that?? Who allows another person to take out a loan that 's not written to them. If my name was on the check, should n't the loa n officer have b een alarmed when another person ( not me ) was making the payments?!?!
11/20/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 461XX
Web
In XX/XX/XXXXI took out a loan with mariner finance. This loan for for {$1500.00}. I needed the loan because I was having medical issues and the expense was taking a toll so I wanted to consolidate some of my debt. At the time the loan was taken out the loan officer offered me loan protection in the case that the medical issues became worse and I had to miss work. I accepted and paid an additional {$500.00} for the protection. I made my payments as required for more than 8 months. Paying off more than half of the loan. My medical conditions worsened and I have to take time off of work for 3 XXXX. I went into the office XX/XX/XXXX and submitted the claim on the insurance as I could not find a way to make it work and stay afloat. I assumed that was the end of it. In XX/XX/XXXX I received a call from mariner finance stating they were sending me to collections. I advised of the claim was processed and they stated they needed more information. I then resubmitted the claim with all of the medical back up to the XXXX office and was assured this was resolved. XX/XX/XXXX I have a collector calling stating that they are coming to arrest me over this debt and going to garnish my wages. I paid for the protection and they are now putting my job at risk by contacting my employer, the state board of accounts. This is putting my character into question and I need help
01/18/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • PA
  • 15216
Web
I received debt collection documents in early XXXX stating that I owed XXXX for a loan that was not mine. I responded to that debt and on XX/XX/2022 they sent me another letter with the same information with someone with the same name stating I owed them XXXX for debt. In late XXXX, I received a notice from XXXX XXXX XXXX stating I needed to respond to a lawsuit that has been filed against me for this debt that is not mine. I responded on XX/XX/XXXX to XXXX XXXX court with my personal information that would prove that this debt is not mine, last XXXX of social and date of birth. On XX/XX/XXXX, XXXX XXXX court sent me a trial date to attend for this frivolous debt. I never lived in XXXX and am a XXXX resident. The court date is set for XX/XX/XXXX I've XXXX hours away. I called Mariner Fiance on XX/XX/XXXX to let them know they have the wrong person and provided them with the last XXXX of my social and they still stated they are taking me to court after verifying the debt is not mine. They also admitted that this was a mix up but since their lawyers are now handling it there is nothing they can do which is not true. They can call then and tell them to drop the suit. This just sounds like they are hoping to don't show up so they can just collect on me. The lady who first answered just told me not to respond since they don't have my information.
09/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 21227
Web Servicemember
I was out of work on worker 's compensation so I began to fall behind in payments in XXXX of this year. I kept open communication until I was able to make a payment, but I was still struggling with the payment. I had the same issue with other creditors, but they were more lenient than XXXX XXXX. Once I was able to make a payment I was told that I needed to sign a form to stop legal proceedings on my account. I signed the form and made the payment, but I was still struggling to catch up on my financial debts. I continued to keep open communication and explained that I started a new job which changed my pay frequency so it was even harder to get caught up on my finances. I then received a letter dated XX/XX/XXXX, stating that a judgment was granted in the favor of the plaintiff. I thought this was in error because I never received a court date. I continued communication with XXXX XXXX. Then onXX/XX/XXXX, I received a letter statin that my wages would be garnished and I contacted XXXX XXXX. I was told that I signed a consent form so they did n't have to take me to court. The consent form did not state that there would be no court date if I defaulted in payments. I then received my paystub and my wages had been garnished for {$530.00}. Because of this my car insurance was cancelled and I am really struggling more to satisfy my financial obligations.
11/21/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32082
Web
We made on time installment payments on a line of credit for the term of the loan. After the last coupon in the book, Mariner Finance advised to call and receive the amount of the last payment. We called and left a message. We never received any correspondence or a return call to confirm if there was any outstanding amount owed. This past week we received a letter threatening us that a lawyer will be filing paperwork within 5 days if we do n't pay the past due amount which was not even listed on the letter. The letter was not certified and arrived as regular mail. We would have paid the amount due if we were aware of how much was owed but we received no final bill or correspondence in any way. We also tried to consolidate outstanding debt with a new loan by Mariner Finance and during that process was never told there was an outstanding balance due and that in order to get the loan we needed a co-signer but no mention whatsoever by the rep or by the letter received referring to the loan decision. We would like Mariner Finance to send us and the credit bureau a letter satisfying our debt paid and to acknowledge the discrepancy was caused by their inability to communicate in writing and voicemail that an outstanding balance was due that was not included in the coupon book and our credit should be restored showing no delinquency of payment.
01/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77581
Web
On today, I received a collection call from Mariner Finance which I have a loan with that it almost 30 days past due. The agent XXXX called to see if I would be interested in filling out an app to refinance my loan to get an extra money and to update my account to current. I refused starting that since I was unemployed I did not want them to run a credit app on me because I wanted to ensure I didn't have any extra credit dings on my credit and bring down my credit score and she agreed not to as I told her that my payment would be made in 2 weeks once I get my tax refund. Immediately when I got off the phone, I received a credit alert that they ran a credit app on me for an extended loan for which I didn't request. I called her back to confront her and asked why they ran a report when I specifically asked her not to. She said they ran a check on credit that didn't impact my credit which was a flat out lie, I told her that the kind of pull they did was an actual hard request for credit pull, not a soft one that a creditor does when they want to evaluate credit. This brought my credit score down and they want do anything about it or reverse it's course. Not sure why they ran this report on me but I want it reversed. Here 's info on the company below. Mariner Finance XXXX XXXX XXXX. XXXX, TX Phone : XXXX Branch Manager - XXXX XXXX
10/05/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08046
Web
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Mariner Finance illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 they are required by law to give me 3 disclosures. I checked all documents given to me from Mariner Finance and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this 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 direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am requesting all above disclosures required by Federal. I demand that this account XXXX ( along with all transactions and experiences ) be deleted from my consumer report as a result of Mariner Finances illegal activity.
08/15/2022 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
  • FL
  • 33181
Web
Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
02/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30044
Web Servicemember
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX), you may be liable for your willful noncompliance. For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : MARINER FINANCE , LLC {$8900.00} Reported balance
08/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was repossessed or sold the vehicle
  • CA
  • 93401
Web
In early XXXX i got a loan through mariner finance and they put a lien on a car that I am paying off. In XX/XX/2021 I lost my job and could not longer afford my car payments, so I was gifted a car and wanted to switch my lien to the gifted car so I could sell the one I was paying off ( to lessen my debt to income ratio ). Mariner finance will not allow me to switch my lien to the other car ( with a free and clear title ). They want me to apply for an entirely new loan or pay off the existing loan. I attempted to apply for a NEW loan and was denied because my debt to income is too high ( because I already have a loan through them and have a car I cant afford ) and they wont let my mom co-sign because she lives in a different state. This is frustrating because i already have an approved loan through mariner finance that I have been paying on and my debt to income ratio is high because of them. I just need the lien to be transferred so I can sell the car I cant afford. This seems illegal as they are telling me the only way I can get this taken care of is taking out another loan to pay off their loan so I Can sell my car. I am already in a bad financial situation as I have been paying two car insurances and a car payment I cant afford and they want me to take another loan out to pay them.
04/06/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • XXXXX
Web
XXXX has listed on my credit report a debt that was abolished by Mariner Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car but Mariner Finance has been listing account as an individual account. Mariner Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because Mariner Finance is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX credit bureau is also listing the erroneous account by Mariner Finance as past due in the amount of {$1500.00}. I have been fighting with this company over this issue for approximately 2 years. I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. Licensed by the Maryland XXXX # XXXX
06/17/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08401
Web
I had a vehicle loan through Mariner Finance , LLC in XXXX the vehicle I had financed through them was involved and considered a total loss in an auto accident by the insurance company in late XXXX the balance of the loan was paid by the auto insurance company at the time of the accident. Shortly after the accident Mariner Finance claimed there was a balance of roughly {$1400.00} that was not covered by the insurance and began collection activities, when I called and spoke to someone to dispute the balance they were claiming was still open I was offered a settlement amount of nearly half of that which i declined because I knew I did not owe any further money on the loan. As of today XX/XX/XXXX Mariner Finance has continued to report false and inaccurate information to the 3 credit bureau 's claiming that I owe them in excess of {$3.00} dollar and each month they keep increasing the amount of the debt they claim is owed they are unable to provide any verification of the debt as this has been disputed multiple times with them and each time they try to settle for 50 % of what they are falsely claiming is owed. If this company continues to report this false information and continues to damage my credit I will be left with no options then to take legal action against them in court,
10/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20878
Web
In XX/XX/XXXX, I refinanced a loan with Mariner Finance, with a total amount due of approximately {$1800.00} for a term of 18 months. This past summer I began having financial difficulties due to budget cuts and reduced hours at my place of employment. I called Mariner Finance on more than one occasion to explain this to them. My last payment in the amount of roughly {$120.00} ( including fees to arrange payment over the phone ) was made in XX/XX/XXXX. According to my credit monitoring service, the loan is reported as 30-59 days late. Today, XX/XX/XXXX, I received a letter from a law firm ( dated XX/XX/XXXX ) stating that I was delinquent in my obligations vis-a-vis Mariner Finance and that if I did not pay the remaining balance of {$660.00} within fifteen days of the date of the letter, I would be immediately sued. I've never encountered a lender who files a lawsuit against a debtor when said debtor is 30 to 59 days late. This is an intimidation tactic that I feel is nothing short of harassment. The letter was a form letter and clearly a photocopy. Furthermore, the law firm did not provide a phone number, only a fax number. " Mariner Finance '' was printed on the bottom right side of the letter. I suspect that this is a fictional letter and nothing more than a scare tactic.
01/09/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • 27534
Web
About a year ago I went in to make a payment. The young lady that took my payment, and gave me a receipt. Now I have to mention, that I have been having some things happen unexpectedly that caused me to be late. I just submitted a payment on XX/XX/XXXX. I am being told that I did not make a payment XX/XX/XXXX. I personally took the payment in, however I ca n't find my receipt. I went 2 months back to back to get a car, when asked for my 10 day payoff, it was different. The amount went up {$200.00}. The salesperson even asked what kind of loan is this. The more I pay the higher my balance. I 'm starting to feel being that this happened before with my payment, that I 'm being scammed. The 1st lady that did it no longer works there, now the same thing with this young man. I spoke to this guy XXXX several times on the phone, yet I 'm being told that there are no notes on my account showing that I spoke to him. I even spoke to XXXX a word also is no longer there. At the time that I made the payment my foot was injured and I could n't drive, so I had someone drive there. Therefore I have a witness that it was paid. I just ca n't find my receipt and I 'm being told that they ca n't do anything without it, which I clearly understand, however I have a witness that watched me pay.
07/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 75038
Web
On XX/XX/2018 I received a loan from XXXX XXXX XXXX in XXXX, Texas. I was invited to come pick up my {$5000.00} check, but was told I needed to give them my Title as collateral. The invitation I received from them stated I qualified for the the {$5000.00} loan because I have worked hard to rebuild my credit. I was told by the branch XXXX XXXX XXXX before I could obtain the {$5000.00} loan, I would have to lower my Automobile Insurance deductible from {$1000.00} - {$500.00} thus leaving me to pay higher premiums throughout the entire loan- until paid. I contacted a friend who studied XXXX law, and stated that was a violation under business profession XXXX XXXX. I also had the branch XXXX remove other services that were added to my contract, and he removed them and gave me a form showing he removed those extra services. HOWEVER, as a consumer I'm entitled to a complete and accurate Written contract that shows what I am am paying for, and the services that I agreed to. The written contract I have is old and not current, it still shows the services that were removed and these services are still drawing interest. I would like for The XXXX XXXX to meet with me and write me a correct and accurate Contract and removing the services from the contract that he agreed to remove.
05/31/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32233
Web
I am past due on two payments ( total of {$210.00} ) with the compan y Mariner Finance i n XXXX , XXXX and let them know about a week ago ( XXXX XXXX ) that I 'd call to schedule my payments when I get my commission check. I recently changed my phone number ( XXXX XXXX ) because I live in XXXX now and none of my customers like to answer my XXXX cell number I had, plus I kept getting telemarketing calls. The day after I changed it, my older sister ( who was a reference of mine on my application for the loan ) texted me and sai d Mariner Finance in XXXX called her and tried asking for my information. Then my sister-in-law called me and told me the same thing. In fact, my sister-in-law told me that the lady XXXX lied to her and said she needed my new phone number because she wanted to contact me for an interview. She blatantly lied to my sister-in-law to get my phone number. Then XXXX called me and left a voicemail, telling me she would take me to court if I did n't give her a call back tonight. I called her back and set up my payment for this week. I then continued to say how upset I was that they reached out to my references who did n't know and did n't need to know I had finance issues. XXXX then hurried off the phone in an unprofessional manner.
02/15/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • TN
  • 38583
Web
We got a little behind on a loan after being good customers for over a year. They served us and we paid them in cash the court costs and the payments to get caught up ( this was XX/XX/2015 ). A week later they say we are behind we call repeatedly to try and determine what is going on. They refuse to take our calls and hang up when we give our name. In XX/XX/XXXX they claim they are taking us back to court and I write them a letter to call my mother because they refuse to take our calls. The agreement was {$75.00} every two weeks. Total amount owed court costs included was supposedly {$1400.00}?? this was verbally given they refused to give us anything in writing and they refused to give us the corporate number. XXXX the local manager was difficult to work with. No missed payments between XX/XX/XXXX and XX/XX/XXXX {$900.00} paid. Called for pay off and were told {$990.00}??. Called another store to get manager 's name and number. XXXX XXXX called claiming that she was the manager but she called from XXXX store. She will not listen she claims we owe {$640.00} and the {$350.00} in fees. She claims her employees would never be dishonest and if we had paid on time it would not have come to this. Ignoring the multiple attempts to make arrangements that they would not answer.
04/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NC
  • 27405
Web
I called on XX/XX/XXXX asking if they was doing anything for people thats not been working related to COVID 19 and their monthly payments. The agent said all they could do was refinance my loan and push my payment to XX/XX/XXXX. I had forgotten about that call till I called today on XX/XX/XXXX asking if they was anything I could do for my payment for XX/XX/XXXX because I havent been working. Ive been trying to think of ways to save money to pay my main bills and several of my other accounts have all worked with me. I dont think its fair or right for them to only allow me to refinance my loan during this national emergency when no one is hardly working. I have filled for unemployment but that takes time as its still pending to this date. If I refinance thats going to mean my credit will be ran, my credit score will mostly likely drop, it takes two years for the hard inquiry to be removed from my credit. I just think Mariner Finance is taking advantage of people during this time saying all we can do is refinance your account. I have never missed a payment with them and have never asked to skip a payment. This is not something I like doing, because the faster I can get this paid the faster it will be off my credit and allow my credit to show positive accounts.
02/07/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MD
  • 21229
Web
Adverse credit report by Mariner Finance. I have a loan with Mariner finance. I was late for 30 days in month of XXXX 2015. The 30 day late payment was reported. In addition, the account was closed ; placed in collection and these information was reported on my credit report. This information has adversely affected my credit report and score. The problem here are : I was late for 30 days in XXXX 2015 : B. I moved out of my apartment in XXXX XXXX 2015 and my address changed. I traveled out of the country on XXXX/XXXX/2015 and returned on XXXX/XXXX/2015. I never received any late payment notice or collection notice from Mariner finance. C. My financial credibility has been damaged by Mariner Finance because of these misleading information. D. They want to ruin my credit so that I will have no option to borrow but Mariner Finance and they can impose their predatory loan and high interest rate on me. E. How do you close and account and report it as in collection. Without proper notice to the borrower ; I was late in XXXX 2015 because I was out of town. F. I think this account needs to be looked into and all changes made as soon as possible because of the importance of good financial credibility otherwise I will have to seek litigation. Sincerely
11/15/2021 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
  • MO
  • 631XX
Web
Mariner Finance obtained my CREDIT BUREAU consumer report on XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are in violation of the fair credit act FCRA codified at 15 U.S.C sub section : 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Mariner Finance, Furthermore, I do not have an account as defined under 15 U.S.C 1693 ( a ) ( 2 ) with Mariner Finance for review or collection. Pursuant to 15 U.S.C sub section : 1681n ( a ) Any person knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under title 18, Imprisonment for not more than 2 years, or both. BY WILLFULLY VIOLATING THE FCRA, I am willing to settle the civil liability damages that I have suffered as a result of Mariner Finances violation, for {$2000.00} ( reported 2x- x {$1000.00} ) Pursuant to FCRA, sub section : 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C sub section : 1681n ]. Should they fail to refuse to settle the matter by tendering payment in the amount of {$2000.00} within ten calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00} per violation.
04/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 231XX
Web Servicemember
XX/XX/XXXX Mariner Finance sent a check to be cashed as a loan. My husband XXXX XXXX XXXX cashed the check using his driver license. XX/XX/XXXX my son XXXX XXXX XXXX Credit report was showing loan and that is was late. I called the local branch and spoke with manger XXXX XXXX he asked for us to send social security cards and that he would correct the information. XX/XX/XXXX the information was correct and put on XXXX XXXX report but then they reported the account is charged off and in collections. We made our payments on time and called the branch on 3 different occasions to ask for this to be corrected. The assistant manager in XX/XX/XXXX asked for me to email showing how it was being misreported so she could correct it. I sent it and never heard back and report is still being reported wrong. I called back several times asking for Mr.XXXX to call me back to have this fixed and get no call back. I have disputed with credit reporting agencies only to come back information is correct. We paid this loan off early. This misreporting is causing us undue stress in causing his credit score to be low due to the misreporting. We have done everything as a consumer and this business has done nothing in correcting there problem even though they admit its incorrect!
06/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • XXXXX
Web
I was served to make an appearance in court regarding the loan. I contacted Mariner finance regarding the matter and they referred me to XXXX XXXX XXXX who would be handling the case. I spoke with XXXX at XXXX XXXX XXXX and I was told i would not have to make an appearance in court under the terms of the agreement that I would make my regular monthly payments directly through XXXX XXXX XXXX, Mariner finance, or my bank bank account. Today I called Mariner finance regarding a payment I made on XX/XX/20 in the amount of {$540.00} through my bank account which was the remaining balance on the account, because on my online account it is showing the payment amount only reflecting {$130.00}. I spoke with XXXX she told me that the payment had been split up to cover court cost and attorney fees without my knowledge because from my understanding I thought I was paying off the balance of the account. She also informed me that a judgement that had been made against me although I was told I did not have to make an appearance in court. There was still a court hearing without my knowledge and I was not informed of this otherwise I would have made the appearance to defend myself. Now instead of the account being paid in full there is a remaining balance of {$390.00}.
06/11/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 44070
Web
On XXXX XX/XX/XXXX Mariner Finance was sent a Cease and Desist letter pursuant to the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, In that formal legal notice we requested that they cease and desist all telephone communication with us, as well as our family and friends, in relation to any and all alleged debts that they claimed we owed. On XX/XX/XXXX, at XXXX a phone call was received from XXXX and did not leave a message. That phone number is registered to Mariner Finance at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. As such, a Letter of Intent was sent to the organization due to their violation of the Fair Debt Collection Practices Act. The organization knew or should have known that the actions taken were inappropriate, failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that we were not harmed. Within that Letter of Intent, we requested that the alleged accounts that they were trying to collect on now be cancelled and any alleged debts be absolved by Mariner Finance, without penalty or tax burden. Additionally, we also demand the immediate and complete removal of these trade lines from our credit reports ( XXXX, XXXX, and XXXX XXXX )
04/02/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • MD
  • 20854
Web
Mariner Finance is a fraudulent loan service company. The Branch Manager XXXX XXXX commits : fraud, forgery, extortion and shady business practices. Mariner finance preys on unsuspecting poor victims and deceits them into high interest paying loans that most can not pay. Check their default records, it is over 80 % loan holders are in default. My elderly mother obtained a loan from them and they said they will charge her 5 % interest rate but after reading carefully between the lines, they put a clause in if she is late one payment, they are charging her 57 % rate and cited because of her age! That is also discrimination! I do not even know how that is possible. Mariner Finance needs to investigated, especially the XXXX Branch. The branch manager XXXX XXXX forges peoples names and helps people who do not have ability to repay for loans qualify and obtain them. She uses fraudulent information and sends to loan company to obtain the funds. This is fraud and shady business practices. I also strongly believe that Mariner finance is committing Tax fraud and personally XXXX XXXX is the ring leader. I strongly believe that Mariner finance needs to be investigated and XXXX XXXX needs to be STOPPED from harming peoples lives and drowning them in debt.
06/04/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • XXXXX
Web
I had a problem in my basement and got sump pump installed in my basement and waterproofing use XXXX XXXX to give me and my husband a loan and told us that it would be 365 days with out no interest and the first 6 month we didnt have to pay well the month XX/XX/2019 we new we had pay but never got a due date and any paper work from XXXX XXXX so we went by are contract that we got from waterproofing specialist when we sign for the loan that it was 365 no interest we got only one call in XXXX never stated in the call who was calling call was drop and never got a call into I called in XXXX to discuss different situation And at that time I was never told anything bout when payment was due at anythime and not even if we didnt make payment. By due date that 365 days would be canceled and wen we took are contract to XXXX that we sign he said it wasnt valid that what he had was valid but never showed us what they had in document and I said I never sign anything with them manger stated he must took my arm off my body and sign very disrespectful And I didnt appreciate that at all the front desk XXXX try explain that we never got welcome letter till that day we went into office well both manger as really rude and didnt want here anything we had to say
09/08/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • CA
  • 92173
Web
First, Mariner Finance 's website altered my payments when I submitted them online. On XX/XX/XXXX ( XX/XX/XXXX ), I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XX/XX/XXXX. On XX/XX/XXXX ( XXXX ) I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XXXX. In neither case did I catch the discrepancy in time, nor could I cancel the payment. In both cases it caused my bank account to be overdrawn, though I did succeed in reversing the payments. Mariner Finance is not allowing me to make online payments, although the fault was with their online system and not with me, and obligating me to mail cashier 's checks or money orders. The most recent issue that prompted the present complaint is that I'm unable to see my balances, payment history, required payments, or billing statements online. Mariner Finance advised me to try their phone application. I tried it and it indicated I supposedly don't have an active loan. Mariner Finance states it doesn't provide paper statements. Therefore, Mariner Finance is in violation and out of compliance to meet its legal requirements to provide me with billing statements.
10/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 91354
Web
I received a mail offer from Mariner Finance. It was a live check for XXXX. I set up my account online and connected the account to my credit union XXXX XXXX XXXX XXXX. Their website was very buggy, that is -- - it didn't always work. I noticed the 1st payment came out XX/XX/XXXX already 15 days late but the electronic payment worked. Well the payment of XXXX was due on th XXXX. Next month I tried to pay on line again, and it appeared to go through. It did not " recognize or find my account '' even though I had completed an online payment. The payment never was returned so I did not know the haven't received the payment. They called and said make the payment you are late. I went back online and used the same account they had accepted before, to send them a Bank Check addressed to Mariner finance this was payable on XX/XX/XXXX. Later I found out that they only would accept cash ( debit card ) because of THIER website issues! I paid two payments on XX/XX/2022. 1 day after 30 days late which dropped my credit score XXXX points! They called and gave me hope that i could contest the late, but of course XXXX said it was correct. Please help me I am being punished for their payment issues, and they rejected my check! PLEASE HELP. Thank You
11/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92691
Web
Dear representative, I am in the middle of closing a purchasing a home. I paid off all of my credit cards, & personal loans to be able to qualify for the mortgage. I called, got the p/o & paid Mariner Finance in full over the phone on XX/XX/XXXX. On, XX/XX/XXXX the payment cleared my account. At the time of making the payment, I asked the representative how long it would take to get proof from their company, that I paid the loan off. They said 7 days. I called on XX/XX/XXXX and said I need the promised proof of payment. They said their policy is 15 days, but maybe if I could send over my bank statement & prove that it cleared my account I could get the proof from them. I sent the proof on the XXXX ( same day XXXX but never heard back. I called on XX/XX/XXXX & they said they still have to wait 15 days. I called today & now I am told that the proof of payment which is eligible to be sent out on the XXXX can only be mailed. Why is it that every other company has been able to accommodate me withing 3-5 days & this company will only mail proof after 2 weeks. I will lose my rate lock as interest rates have increased & won't close my loan on time. I am very upset since I work in the finance industry & know this is illegal. Please advise.
07/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • NJ
  • 07302
Web
The company called Mariner Finance originally lent me {$1500.00}. Throughout the course of my relationship with the company additional loans and adjustments were made. Just because I got behind in the payments the company started making threats which began with a young lady in their XXXX, NJ office who mentioned the threat of legal action. Not because I wouldn't pay but because I couldn't pay it due to other bills that had to be paid. In a letter dated XX/XX/2019 one of the paragraphs reads as follows : The continued delinquency of your account has led to its potential referral for legal action to collect the balance due. Demand is hereby made for full payment of this debt to Mariner Finance. Payment in full, including any additional interest or costs that may accrue must be received with in ( 15 ) days of the date of this letter or suit will be immediately filed against you unless alternative arrangements are made. Once the judgement is made against you, Certain assets securing your loan may become subject to actions for collection and counsel for Mariner Finance will use all lawful means available to collect the total amount owed including the accrued interest, fees and costs. Mind you I just received this letter XX/XX/2019.
07/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 23451
Web Servicemember
My significant other passed away. Before he passed, we took out a loan with Mariner Finance. Since his passing, this loan along with others have fallen behind. I have taken on all bills and have finally hit a wall not being able to pay my rent at all as well as these bills ontime. However, with the other places I have told of my situation and thwy put me on a hardship plan to help become current again. Mariner Finance threatened me with court attorney fees up to {$1000.00} and garnishment of my bank account if I do n't become current by the XXXX of XXXX. I told them that I will do my best to pay towards what I owe but I have n't paid rent yet because of my hardship. Which I am trying to fix before this month 's end. The fact that thwy will not work with me to get current is very upsetting. I am behind {$280.00} with Mariner Finance. They say that by the XXXX I will become sued for court costs attorney costs as well as garnishment which will put me in a perfect poverish state of being. I have a XXXX XXXX XXXX daughter and can not be put out on the street because of added on court fees. Everything is being paid I just need a plan with them to catch up. I 'm fighting my way back ... with everyone but I need a give qith this company
01/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • NC
  • XXXXX
Web Servicemember
the case is against Mariner finance in XXXX NC. I have a lien on my vehicle with them. the vehicle is not working and is dead and there is nothing i can do about it because it keeps breaking down etc. i purchased the vehicle from XXXX on XX/XX/XXXX at that time, i let the previous vehicle go back to the original finance company, XXXX XXXX XXXX XXXX mariner finance also had a lien on the vehicle. i explained to them that XXXX XXXX would be contacting them to pay the balance off so that the title could be free and clear after santander auctioned the vehicle off. mariner insisted i still keep the loan with them. so after i purchased the new vehicle, mariner wanted to put a lien on that one as well and they did, and only offered me like {$200.00} to do so. which i didnt like and they would call me multiple times trying to get me to pay them money on the loan. im a very sick person with lots of health issues and im a XXXX veteran. i explained that to them, to one of their employees, who insisted i drive to their location to sign some paper work etc. i kept telling her i get sick a lot and cant do anythinig like that and because im on lots of medications daily. i want nothing more to do with this company
10/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NC
  • 27407
Web Older American
MARINER FINANCE, HIGH POINT, NC : This company sent me a check which I deposited ( I did not solicit them ) and within 30 days, MARINER FINANCE sent another check, and, I deposited it, as well. In-the-meantime, I scheduled quite a few Home Improvement jobs with Check # 2 ; But MARINER CXL CHECK # 2 within 48 hours after I deposit at my BOA. But, I scheduled home improvement jobs with check # 2 ( not knowing MARINER was going to reverse the {$3500.00} check they sent me ). When I called MARINER CSR she said : " you can not have a 2nd loan within 60 days of the 1st loan '' ... I said to her : THEN WHY DID MARINER SEND ME A CHECK KNOWING I ALREADY HAD A LOAN THAT WAS NOT 60 DAYS OLD. '' She said " you have to read the fine print ... ..??? SUCH A SORRY EXCUSE. I live on SS check and this has really, really, really been a bad exper. for me. MARINER FINANCE practiced bad, bad customer service here without notifying me that they were going to REVERSE the $ $ back. THIS WAS WRONG ...... I SHOULD NOT BE PENALIZED FINANCIALLY FOR THEIR MISTAKE ... No one who already has an account with MARINER should have to go thru this. And their CSR should not EVER say : Read the fine print TO ANYONE .....
09/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 601XX
Web
My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the Mariner representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. My second issue is that the insurance company paid mariner finance for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however Mariner is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to Mariner Finance so why are they reporting them as late payment. Sincerely XXXX XXXX XXXX XXXX XXXX
08/14/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 28139
Web
I had 2 loans with a company called XXXX XXXX in XXXX Nc. I paid my loans off. AFTER my loans were paid. XXXX sold the company, ( not my loans the entire company ) to a company by the name of mariner finance. Now mariner finance is reporting to the credit bureaus that I have 3 unpaid loans and I owe them money. After disputing this on my credit report 2 where somewhat fixed but a third still remained. So I disputed it again only to have them remove the 2 paid loans and leave an unpaid loan. I have proof that I paid the first 2 but not to mariner bc I paid it to XXXX XXXX before the company was sold. I have nothing with the name mariner finance on it bc I have never done business with these people. all account numbers were changed after the company was sold. So the account numbers I have do n't match. Furthermore they claim there were 3 loans and I only had 2. How can I provide proof the loan never existed, if it never existed? Upon contacting mariner finance I was told they would settle the loan for {$700.00}. But I do n't owe them money! I feel like they holding me hostage with my personal info they bought from another company. This is not right and these bullies should be stopped.
11/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • GA
  • 30248
Web
I was offered a guaranteed loan for {$4000.00} and in the process Mariner Finance in XXXX Georgia pulled my credit and told me that my Birthday is displayed where my social security number is and I should call XXXX to fix it on XXXX with them the phone for verification because they arent allowed to call credit bureaus on consumers behalf. So I did just that and then I was told that my credit score isnt reporting so I got that fixed but XXXX said they did nothing to fix it now, I called Corporate to report that office for blowing me off, being rude, not being professional and just all around not doing their job. Corporate calls me back 3 days later to tell me that she spoke with XXXX and she a very nice XXXX with a great speaking voice and XXXX told her shes doing everything possible to help me so I told her ( I think her name was XXXX ) I didnt call you to check XXXX well speaking voice, I called you because I have been mistreated, tossed aside and the office is being dismissive of me and not doing their job! So now I threaten to call CFPB now the XXXX XXXX told me they can give me a loan for {$2000.00} when in fact my loan is a guaranteed {$4000.00} and that is what I want!
08/18/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19143
Web
XXXX finance repeatedly call my place of work when I have already notified them to not do so. It's gotten so bad that I decided to switch jobs due to the gossiping about the phone calls. The representative stated " well why can't i call here, there is nowhere saying i can not call here '' I told the representative that it is a inconvenience to speak with them at the time that I am working and my coworkers are listening when they talk to me on the workplace phone. I also told the representative that I did not list my place of work phone number to be reached at. The entire month of XXXX and XXXX of XXXX the lender continued to call me at my workplace. It got so bad that my coworkers were telling me that a " XXXX XXXX '' has been calling for you. At that point, I was really embarrassed. At the date of signing for my loan which was sometime in XX/XX/XXXX, the manager at XXXX XXXX ( XXXX, pa ) location spoke rudely about XXXX of my coworkers who he has worked with prior. In addition to that, he told my coworkers about the loan that I have with mariner finance. I went and tried to make a complaint about this incident in XX/XX/XXXX with XXXX finance but there has been no resolution,
06/27/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 283XX
Web
First off, I want to start with I know that I was behind on my payments and had all intentions of catching them up. On XX/XX/2023 at around XXXX XXXX while at work I was on lunch, Mariner Finance tried to contact me. An associate answered the phone and XXXX XXXX ( manager at Mariner Finance of XXXX Nc ) proceeded to tell the associate that he had been trying to get ahold of me and was unsuccessful. He ( XXXX XXXX then asked for the associate to give me a message that I needed to contact him and if I didnt they were going to seek legal action. When I returned from lunch the associate gave me the message at which point I contacted XXXX and let him know that I did not appreciate him giving my personal information to a coworker. And of course, XXXX denied it. I feel as if this was completely uncalled for. I know I was running behind on my payments as I have done in the past and I never have refused to pay my debt. XXXX also mentioned that he had spoke to my spouse yesterday but our work shifts were completely opposite each other and I have still yet to see him to get the message. This was completely uncalled for and unprofessional of XXXX to put my business out to a coworker.
12/04/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 211XX
Web
It happened around first week of XXXX 2015. I got a call from a finance company saying they send me a check for XXXX dollars in the mail and it got cashed. I told him I never applied any loan with you guys. He replied they send me a check without applying and they do it all the time but this is the first time it got cashed. So I told him maybe somebody did some fraud to me and asked what should I do now. I went their next day talked with them then reported to the police. next day I went there again signed the affidavit to investigate the fraud through the bank. I did my part as per they said. After that I did not hear nothing from them. Yesterday I checked my credit and now its showing up on my credit and ruining it. I went there yesterday again and asked them about the status of the case which they say is still not resolved and told me they ca n't remove it from my credit. I did not understand many things in this case. How can I be liable for something which I didnot even know of? How can they send a real check in mail without notice or without applying? How the check on my name got cashed without my signature and identification? Now I feel I got scammed and I need help.
05/18/2018 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
  • FL
  • 34953
Web Older American
I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day. I called to cancel my appointment that I didn't want to apply for the promotion. I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first. I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do. I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report. I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan. She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.
08/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 78626
Web
I paid {$180.00} on XX/XX/2023 and {$180.00} on XX/XX/2023. I came up with a payment plan but Mariner Finance does not issue payment plan confirmations. I called last week multiple times and got no answer. Today XX/XX/2023 I called to speak with my account manager XXXX who was very rude and degrading, she brought up person matters that we have discussed about my account. She was very disrespectful, I asked to speak with her XXXX XXXX XXXX she was just as rude and nasty, I asked her if she could switch my account over to another employee she was rude. I asked to speak with her XXXX XXXX XXXX he was even more rude and unapologetic to a customer calling to get their account taken care of. I do even know if my funds are going to the right account. There is no receipt being issued for my payments. I do no trust these three individuals with handling my account. The amount of interest accrued on the account is ridiculous. I called to speak with a rep in XXXX, NC no one seems to know what is going on at this company and if I am paying the amount of money that is owed. I need proper customer service and I have not received anything in regards due to the progress on my account.
06/28/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • MD
  • 21044
Web
Name : Mariner Finance Type : Individual / Applicant Account : XXXX Collection Term : 48 Months Installment, Secured Date Opened : XX/XX/XXXX In XX/XX/XXXX at the beginning of the COVID-19 pandemic, I applied for a personal loan which was denied, but I was offered an opportunity to refinance my vehicle for extra money. However, unaware of this banks predatory lending practices, I was not informed that my new loan would not include GAP insurance until AFTER I had completed the loan process and signed the paperwork. Nevertheless, for the first 5 months from XX/XX/XXXX brought XX/XX/XXXX my payments went smoothly. Unfortunately, in XX/XX/XXXX, I contracted XXXX and suffered from long term symptoms which prohibited me from working and ultimately led to late payments from XX/XX/XXXX through XX/XX/XXXX when I applied for bankruptcy. From XX/XX/XXXX through XX/XX/XXXX, I attempted, unsuccessfully, to contact the bank in reference to a forbearance or deferral or any type of payment relief due to COVID-19 under the CARES Act. I am requesting that Mariner Finance do not report late payments to the credit bureaus in accordance with the requirements of the CARES ACT.
04/30/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • IL
  • 629XX
Web
I purchased a vehicle from city limit motors in XXXX Illinois on XX/XX/XXXX. The dealer informed me that the XXXX XXXX I purchased was a XXXX submodel. Which does not exist. He had me drive the XXXX to personal finance company, where he met me with the contract. He spoke to the staff there for me. I tried to back out of the loan twice because the interest was high. He swindled me by telling me that I could refinance the vehicle in a year or so after the payments improved my credit score. He failed to mention that you can not refinance a vehicle that is over ten years old. He acted as a liason to me and the loan company until I signed the contract. I felt obligated since drove the XXXX there and having my ride leave from the dealership. In XXXX personal finance lied to my insurance company when the vehicle was stolen. They claimed that thw contract stated interest is to be precalculated. The contract clearly states I pay monthly installments with no penalty for paying off early. My insurance cut a check for more than {$11000.00}. But it did not cover the interest. I was left with a balance of around XXXX that has compiled interest and is now around XXXX.
09/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93722
Web
I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : XXXX XXXX, Acct # : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports! Furthermore, 15 USC 1666b ( a ) : ( 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.
10/17/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • TX
  • 76182
Web
In XXXX 2016 I received a letter in the mail from Mariner Finance thanking me for opening an account. I did not open an account with them so I immediately called the number on the letter and left a message stating as such. I did this twice with no response. A week or so later I received a call from Mariner Finance asking me if I wanted to set up online payments. I told them I never opened an account with them and they said that they sent me a ( NOT requested ) live check in the mail and someone must have cashed it in my name. It has now been months upon months and this issue has not been resolved. I have filed a police report and given them their needed information and still nothing. In the meantime they are reporting that I am late on payments effectively destroying my credit. I will be pursuing legal action if this is not resolved and corrected immediately. After doing research online I have found they are not XXXX accredited and they write " check inside! open immediately! '' on these checks they send out to unsuspecting people putting them at risk for identity theft. This is unethical and unacceptable business practices that need to be corrected.
02/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MS
  • 38654
Web
XX/XX/22 I responded to a pre-qualified mail offer for a personal loan of up to {$5000.00}. I went to the Mariner Financial website provided on the mailer and completed my application. The response I received was to call the local office in XXXX XXXX, MS . I called the office and spoke with a customer service rep who pulled up my application and began asking me information to verify my application. She asked me about my employment and I told her that I worked remotely. She still insisted on me giving her an address. Afterward she asked me about verifying my employment. I told her that my company uses XXXX XXXX XXXX to verify employment and that I could also provide a written letter from my company and or my check stubs. She proceeded to tell me that she had to speak with my manager or supervisor to verify my employment. I told her that I am not comfortable with anyone from my employer knowing my personal business. She told me that's the only way they could verify employment. I feel that this is racially motivated. If I can provide written proof of my employment and my paycheck stubs why is it necessary to involve my manager in my personal business?
01/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08861
Web
On XX/XX/2020, my older brother called me to come to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ. My little brother had fell in the love with their puppies and needed help selecting and purchasing a pet. My brother called me because they wanted to purchase the dog and wanted to finance the payments. The store associate had pitched him on the " same as cash '' option where we could make the payments within a certain time period and avoid interest. Since my finances and credit score were more reliable, I came to help make the purchase and fell in the love with the dog myself. After 6 months of paying off the loan. There were still hundreds of dollars worth of interest. When I call Mariner Finance, they tell me the sales associate did not select the " same as cash '' option on her tablet and therefore the those terms are void. The whole reason why Mariner Finance Loan option was even considered rather than other options of payment was because of their " same as cash '' terms. This does not seem fair and I sincerely hope that this is not the way Mariner Finance or XXXXXXXX XXXX XXXX plan to make money off of the customers who pay on time.
10/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AL
  • 35055
Web
I have a personal loan with this company. 1 ) They will not allow me to do any type of extension on a payment without " renewing the loan '' and taking out more money. I had to do that back in XXXX of 2022. I did not want more money, I wanted an extension for a payment. 2 ) they will not allow me to change the due date of the loan. As of right now, my due date is the XXXX ( or XXXX ) of the month. I have explained a couple of times that the first of the month is when every single thing I owe is due, but they will not change my due date, they just say " pay more next time ''. If I could double up my payments, don't you think I would? And 3 ) I have repeatedly asked them not to call me, I wish to have all communication in written form via US Mail. But, today, XX/XX/XXXX, only 1 or 2 days after my due date, not even waiting for the grace period, they started calling me again. So, my requests to the CFPB are : please tell them to stop calling me, ask them to kindly change my due date to the middle of the month and give me an extension on a payment when I need it instead of making me sign a new loan and give me more money. Thank you.
11/10/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • CA
  • 92660
Web
I registered my bank account online with Mariners Finance to make my payments. The numbers looked correct on my side and showed that my account was validated. I made my payment on time and then received a call that my payment did not go through. The branch manager said she couldnt confirm my account and need to speak to IT. She called back the following day to say my account number was wrong and I was going to now be charged {$15.00} and I couldnt make my payment online and needed to use my debit card and be charged for using that. This sort of additional charge has been occurring since the inception of this terribly high cost loan with a rate of 35 %. When I said this was not okay, I was continually told I didnt understand the process. The condescending manner to be spoken to is infuriating. And I assured the multiple people of spoke to that I am a licensed Mortgage Loan Officer and completely understand miscellaneous, frivolous charges and I told the last person I spoke to that I was filing a compliant. You cant restrict how a payment is made and charge them for making the payment that way when that manner is the only option.
08/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TN
  • XXXXX
Web Older American, Servicemember
XX/XX/2020 I had a fence installed for my dogs. XXXX XXXX XXXX was the installer ( XXXX ). The recommended Mariner Finance ( XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX XXXX ). The problem Ive had almost from the beginning has been a late charge of {$29.00}. The loan was conditional on my giving Mariner access to my checking account so they would be able to withdraw the payment each month. This was supposed to be set up in the very beginning. I ended up spending a considerable amount of time on the phone month after month. I was repeatedly assured that it was set up correctly. Last week I received a text telling me that I was late making the payment. This meant that there would be yet another late charge. As I mentioned previously the loan originated on XX/XX/2020. To date I have been billed 5 late charges of {$29.00} each for a total of {$140.00}. Im a XXXX veteran with health concerns that include XXXX XXXX. Calling the local branch and their headquarters in XXXX, Maryland ( XXXX ) has proven to be a complete waste of time. Im expecting that this has happened to others and a quick search on XXXX verified this to be true.
03/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19601
Web
i disputed once with the credit bureaus in which i received a letter saying this debt was verified. I then reached out to XXXX XXXX XXXX and they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either. i am attaching a copy of both letters. This account is reporting on XXXX and XXXX ( XXXX deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. And account type reading as an auto loan when in fact it should read credit sale. I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. i also contacted the credit bureaus pertaining to Mariner Finc as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.
01/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OR
  • 970XX
Web Servicemember
My grandparents passed from covid within 3 days of each other and I was left homeless and on the streets or in motels and as a retired service never I was on a fixed income. Mariner finince Also put the wrong day as payment day as I only get one check a month and the hit me with late fees that weee do to there mistakes and were not willing to meet me in the middle and clear even one of the late fees as well as they extended the time of the loan to increase my payment and to fleece me of more of my hard earned military compensation pay from my military compensation pay do to being 100 % total and completely XXXX permanently. When they refused to bend at all and with the raised rates s d interest charged I was not at all able to pay that loan back and my rent is still over 1000 a month and I can not ever afford food. I believe they call mariner finacial a predatory Leander and they purposely went out of their way to ruin that relationship from the get go with their attitude and decision to defend their loan officer when I told her that I needed to have my pay date S the first and not the. XXXX when XXXX broker that XXXX.
02/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 186XX
Web
In XX/XX/XXXX I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed Mariner Finance {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with Mariner to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XX/XX/XXXX. Mariner refuses to update that this account to the credit agencies. Two agencies say I owe Mariner {$320.00} and another says I owe Mariner {$770.00}. I have paid them every XXXX I owed them and I have disputed with all 3 credit agencies, XXXX, XXXX and XXXX. They all tell me Mariner has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. Thank you for any help.
05/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NY
  • 122XX
Web
In XXXX I was looking for a loan to pay my daughter 's tuition for a private school I came across Mariner Finance in XXXX of XXXX They agreed to give me a XXXX unsecured loan but if I wanted the XXXX that I requested I would need to use my car as a collateral. Of course I was in need of the XXXX which they were aware of so I went with the XXXX and use my XXXX XXXX accord as collateral. My car at the time valued around XXXX when I did a XXXX XXXX XXXX estimate but they valued it at a lower price. With that being said I also read online where if you have a secured loan and use a car as a collateral your interest rate should be lowered. My payments are {$190.00} a month which I have paid over XXXX already which most of the money have went to interest Early this week I decided to get a pay off amount so I can pay off the balance but realized the pay off balance was over {$5000.00} after 8 months of payments. My credit score at the time was XXXX. They gave me a 24.97 % interest rate on top of using my car as collateral. I feel Mariner Finance took advantage of my need for a loan and Usury does apply in this situation.
01/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30318
Web
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 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 ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : 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. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards, XXXX XXXX
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75253
Web
I sent a letter to Mariner Finance 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/23, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/2023 informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against Mariner Finance for clear and apparent negligence, FCRA violations, and the XXXX XXXX caused by the serious financial problems and distress resulting from these inaccuracies.
10/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • FL
  • 34748
Web Older American, Servicemember
Mariner Finance is using predatory unethical, illegal and predatory lending practices. I renewed a loan in XX/XX/2019 requesting additional funds for a family emergency. The loan was approved for a specific amount. When it came time to sign the papers, they told me they would add another {$500.00} to the loan and use my vehicle for collateral. I told them there was no value in the vehicle as I had filed a GAP claim for a TOTAL loss. They proceeded to file a lien with Motor Vehicle anyway. The GAP claim has been settled, the vehicle has been deemed a TOTAL loss, the first lien holder has released their lien and Ive purchased another vehicle. I received no cash for the vehicle. They also, without my permission, proceeded to contact my insurance company and add their company as an additional loss payee. Our insurance company based on the presence of an additional loss payee, raised our rates. As instructed by the first lien holder, I went to the Department of Motor Vehicle to change the title to a salvage vehicle. They would not do that until Mariner Finance releases their lien which they refuse to do.
04/28/2020 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
  • NC
  • 27295
Web
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
04/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 628XX
Web
I refinanced my only loan with Mariner Finance last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXXXXXX XXXX XXXXXXXX and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX and XXXX all three to update and close this old loan and add the new loan. They can contact Mariner Finance to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and Mariner to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!
07/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20748
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has all violated several of my rights. 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
02/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60473
Web
When reviewing my credit report I noticed Personal Finance Co performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX and Office Of The Attorney General. I already had an account with Personal Finance Co that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of Personal Finance Co contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from Personal Finance that they have requested the inquiry be removed. I spoke with a representative at XXXX on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. Sincerely,
01/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 206XX
Web
XXXX I got the loan for the store after doing the application online. I was told and the paperwork stated no interest if paid off in 15 days. I was unsuccessful to get someone during the first 15 day time frame. A few weeks later after calling other locations - i spoke with someone. At that the point, the 15 day no fee period had passed. The original loan was for {$3000.00}, yet financed amount of {$3700.00}. This amount includes other fees. After several attempts to get a payoff amount after the 15 days had passed. A payoff check was mailed in the amount of {$3400.00}. I was called in XXXX stated I still owed over {$100.00}. I have not received any written communications about the additional monies due. I did receive a call after the company received the check asking for the balance. One of the representative mentioned- they are currently making sure the loans are originated for the holidays. Yet, I was not able to use the right to rescind clause. Additional to the interest - I paid over {$520.00} in insurance and other fees. I continue to call and get response for my calls or messages
03/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29340
Web
On XXXX, I mailed request to Mariner Finance, to send the disclosure pursuant to 6802 -see below : that was never given to me at no time from beginning too now. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. see the law below Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this 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 direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
10/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • KY
  • 41051
Web
I took out a loan a few years ago, I paid on the loan as agreed, then I stopped paying due to financial problems. Then the creditor took me to court and got a judgement. Then their attorney and I worked out a payment plan and I have paid on that for 2 years and in the mean time while I was paying I got a call from the creditor and I told them I worked out a deal with their attorney and I called their attorney and told him of their phone call. He said he would call them and tell them not to call me anymore. Then I continued paying as agreed then I stopped paying again because I lost my job and no income nor unemployment insurance. Then the attorney called me asked what happened? I told him of the job loss and he agreed to take the funds in arrears when I started my new job this week. Then today I got another phone call from the creditor. I told them to stop calling me because they are in violation of the FDCPA ( 2 entities coming after me wanting the same debt paid, the attorney and the creditor ). I called the attorneys office and told them I got another phone call from the creditor.
06/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 326XX
Web
My husband has a loan out with Mariner Finance at the XXXX, Florida branch. We are behind on this account because he was out of work for 11 weeks due to medical problems, which they are aware of. We are working on getting all of our affairs back in order but it is a long process. My name is no where on the loan with him i am only down as a reference for him with my cell phone number listed as my contact information, however XXXX XXXX, an employee there has been told at the minimum of five times not to call my place of employment. They have continued to call my place of employment after my boss, several other employees, and i myself have told them not to call my place of employment. I called them back today XXXX/XXXX/2016 to speak to the manager XXXX XXXX about the situation of them calling repeatedly after being asked not to, she said that it was never notated in the account and was VERY rude to me about the situation when the loan does n't even belong to me, I am only a reference on the account. This is not good collection practices and certaintly needs to be addressed!. Thank you
07/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KY
  • 40220
Web Older American
I got the loan check in the mail from Personal Finance Company. They mailed a check for loan and all I had to do was sign it and cash it ; which I still have that letter. I paid my payments diligently. Subsequently, Mariner Finance took over this business. I had paid out a money order 2 payments of {$170.00}, which Mariner claimed to have not gotten, which I honestly believe they had the money order. So, they had me to come in to discuss the missed payments. While there I was told about the missing payments and that they didn't receive it. So, I said I was willing to make those payments so that I will have the same payout date. But, the man handling my account was very aggressive as to having to rewrite the account, which I was alright with but I did tell him I wanted the same payout date. I'm filing this complaint as usey because I feel like they are recharging me and I'm again STILL paying a finance charge of {$570.00}. My problem is why after paying on this loan for 5 months previously am I still paying interest of {$570.00}. It just doesn't sit right with me. XXXX XXXX XXXX
03/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • MD
  • 20785
Web
I took a title Loan with Mariner Finance in XXXX of 2021, it was a loan for {$5000.00} dollars. I was under the impression that my vehicle would be used as collateral if the loan wasnt paid off. But this company has put themselves on my auto as a second lender! Also, I was told that the payback amount on this {$5000.00} loan would be {$6000.00} by paying {$190.00} by weekly! I committed to my payback obligations for over a year and was making my payments on time. I even made a lump sum pay of {$1800.00} dollars to get the loan down. I then contacted the company because I could not access my payments or balance amount on their website. At which time I was told I had a {$4000.00} dollar Balance!! HOW I asked, and thats when I was told this is an interest based loan and the amount increased over time due to interest. I have since stopped making payments on this scam and I am constantly being harassed by the company. I have attempted to make a deal with these people and showed them that the debt is actually satisfied. I need help with this Matter because I truly feel it is a scam.
05/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 39211
Web
I got a loan from XXXX XXXX years ago, shortly after I got very ill and had to have XXXX XXXX which forced me to stop paying it bc I was XXXX and couldn't work. They turned my debt over to Mariner Finance whom I got an email from a couple months ago with a debt settlement offer For a {$1400.00} less than what I owe but only valid if I paid the remaining balance in full which I did. When I got my stimulus check I went to their office and paid them on XX/XX/2020 they told me that they couldn't give me a XXXX balance receipt until ten days after the check cleared but they gave me a receipt w the rest of the balance on there and said that they would mail me a final receipt in ten days once the check cleared or I could come back and pick up one in person. needless to say I went back today which is actually 17 days since I went and paid them and they said they still couldn't give me an accurate receipt bc they claim the check hasnt processed their system which is a lie bc its cleared my bank account. You would think they would be more cooperative w all this covid 19 pandemic going on
07/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37086
Web
I appropriately notified the company prior to losing employment on XX/XX/XXXX of this year financial hardship and then afterwards when I requested to use the unemployment insurance that I paid for when I set up the loan with them and I sent all the appropriate paperwork as well. They continue to reach out to me and my family members and friends regarding payment on this account however the unemployment insurance was properly applied for and all of the appropriate paperwork was faxed to them for that to be put through and I had just recently notified your office of the same problem on a separate ticket and they had reached out and it seemed as if they were going to correct the situation on my credit report and did somewhat but when I checked again they have again reported this as a delinquent accounts it is showing up and ran and is showing as past due which it should not be as it shouldve been covered by the unemployment insurance I paid for from XXXX through now as Im still unemployed and I am also working with the governors office they have filed a XXXX claim for me as well
07/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 080XX
Web
I recently went on XXXX XXXX XXXX beginning XX/XX/2018. I purchased insurance with my loan that will cover XXXX XXXX XXXX when I first opened the loan. Mariner Finance requested I send medical proof. I sent medical proof. I was advised by Mariner Finance that they wanted the same medical proof two weeks later. I provided that proof. In the meantime I get a letter from the insurance company advising they approved my claim and I spoke to a representative who advise me they paid out my loan till XX/XX/2018 and due for XX/XX/2018 and that action has been completed. Mariner representative in the XXXX office is claiming I need to keep sending medical proof every few weeks and won't apply a full monthly payment but rather pay partial payment for one month. Insurance advised they no longer need any proof. Mariner keeps advising that insurance company needs proof every two weeks. I don't agree or think its lawful and fair business practices to ask for medical proof every two weeks and not apply the funds the insurance company, I pay, approved to my company upfront till XX/XX/2018.
09/21/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • TX
  • 76002
Web
On XXXX XXXX I received various notifications regarding a hard inquiry on my credit report. I contacted the company and they confirmed that an account had been opened using my information. Upon further research and comments from the company, an unrequested live check was was sent to my address in an effort to induce me to accept a high interest loan. This loan was opened and reported to the credit bureau without any verification of the identity that the person that negotiated the instrument. In fact, they company was unable to even provide any information regarding where the instrument was negotiated but had already used my social security number to set up the account.. When I requested a copy of the check because it is fraudulent, I was told that I must submit a police report. If I can not get this information without a fraud report then they can not say that this is my account that entitles me to all the information that I requested. Because of their carelessness, I have had to file police reports, fraud alerts, and IRS PINS in order to protect my personal information.
04/27/2022 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
  • 29588
Web
I applied for employment and was offered a job with Mariner Finance XXXX XXXX, SC. I was excited to start this career as I have tons of experience that would have helped this company grow. They utilized XXXX XXXX XXXX to conduct their background report which I was not at all concerned about. When the results came back, I was appalled to discover that I had a public record from 21 years ago ( I am XXXX now and would have been XXXX when that was reported ) that stated I had written a {$66.00} bad check. This was all handled over half of my life ago and was a huge misunderstanding. I was not given a chance to explain this and was immediately denied employment. This denial is discriminatory and against the law. The law states that consumer reporting agencies are not to report outdated negative information more than XXXX years old ( bankruptcy being 10 years which I have never had ) and I did NOT agree to anything being pulled past that date. This should turn into a HUGE legal issue for both XXXX AND Mariner Finance as I feel like I was unjustly discriminated against.
07/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08060
Web Servicemember
On XX/XX/2020 I sent a certified letter to Mariner Finance XXXX XXXX XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.
04/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34953
Web
Dear Marnier Finance, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance XXXX XXXX
08/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • NJ
  • 07726
Web
Received a loan from Mariner Finace for a Jacuzzi. The loan was considered same as cash 0 % if paid within 180 days. The company sent me an email with a welcome letter to login and establish my acct. Once I logged in, there was no statement or evidence of an acct. I called and tried to rectify more that 20 times, speaking with the Branch Manager, IT and agents with no luck. I was forced to make payments as to keep my credit clean but have no statements showing my loan, payments or outstanding balances. Their system is blank and I have no visibility or transparency regarding payments, balances or any changes to my account. I want to payoff the loan but can not receive a payoff, statements or understand if I payoff, they will not come after me later down the road. I have escalated dozens of times asking for a statement via letter, email or a screen shot of their systems since my login credentials do not map to may account. My account page does not even show I have an account with Mariner finance. Working with XXXX XXXX in XXXX Mariner Finance ( XXXX ) XXXX
05/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 43147
Web
In XXXX XXXX XXXX mariner finance sent me a check that I could deposit and would be a loan. At the time my son was in the middle of a divorce and needed money so I borrowed it and he was supposed to pay it. I gave him all the information and he was supposed to pay it. I found out he had n't paid it as promised so I tried to call them to get the information I needed to make payments on line. I am XXXX so getting to the store was n't an option. I called and left detailed messages no less than XXXX times without a single return call. they filed suit in XXXX , in the suit they put down an amount higher than the principal I had borrowed, and when I paid it off they had the whole balance listed as principal, when I asked how the balance was broken down they would n't tell me. I have no idea what I paid or if they compounded interest. I also noticed they collected more than what they filed suit for and I never got a square answer about that, they just said do n't pay it and deal with out lawyer and the court. very unprofessional.
04/08/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28304
Web Servicemember
Harassing calls to collect a debt, stating my son owe a debt that has already been paid. XXXX XXXX was first to call and sent a email to me on a letterhead from XXXX XXXX XXXX with the amount owed on XX/XX/2017. He called as least three other time speaking hearse and threating to send on to my door. On XX/XX/2017I received a call from XXXX reminding me of a call from XXXX. He then started to threaten legal action. He advice I get a lawyer. XXXX was very abrasive in tone. The conversation became so XXXX to me, I asked that not call me again. The call came from this number : XXXX Times of calls : XX/XX/2017 XXXX, XXXX, XXXX At XXXX I called him back and asked that he stop calling me. He called again on XX/XX/2017. I record the message. I told XXXX I sent a letter to the so call company asking to stop the calls. The letter came back on XX/XX/2017 undeliverable. XXXX XXXX, actually settled this debt/account. But this this so call other company states that me son still owes and continues to harass me by call my number trying to collect a debt.
05/21/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33313
Web
Hello I hope you guys can help because I dont know what to do at this point. Ive been reviewing my credit lately and notice an account listed from Mariner Finance acct # XXXX. I was startled because I truly dont recall have any account with this company. So I submitted a letter which Ive attached by certified mail and notarized. When entering in my certified mail receipt # XXXX the letter arrived XXXX I also submitted a return receipt which the company altered and replaced with their own label ( this is truly scary ) So to my surprise I received a letter from the company with a representatives signature saying the information reporting to the credit bureau is accurate. I never disputed inaccuracies or info on credit. I asked for VALIDATION. Which the company failed to produce. This is not consent to give the company a XXXX for reinvestigation. The purpose of the complaint is to ensure the company deletes this account for failure to validate the account with documents. Ive attached all correspondence between me and the company please help me.
04/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23223
Web
I had an account with Mariner Finance that was paid in full in XX/XX/XXXX. Mariner reported no data on the account to XXXX in XX/XX/XXXX which is about when paid in full. Mariner then reported it 90 days late in XX/XX/XXXX. Then then reported no data to XXXX every month from XX/XX/XXXX to XX/XX/XXXX when they began reporting in as being 90 days late every other month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) when they clearly report {$0.00} balance on the account. Excerpt copied from XXXX credit report : 4.8 MARINER FINANCE , LLC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. Account Number xxxxxxxx XXXX Reported Balance {$0.00} They have provided clearly false information on this account and have refused to remove the information. Reporting it as being 90 days late for every other month in XX/XX/XXXX is fraudulent.
08/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • VA
  • 224XX
Web
In XX/XX/2022. A loan check was sent to my parent. The parent cashed the check because she met all the criteria. In early XXXX. 2022, the finance company called me and told me that my loan was late. I told them, that I did not have a loan with them. They told yes you do. After further investigation, what I found out was they used my social security number to send a loan to my parent with the intention to commit fraud. You can't offer someone a loan using someone else 's social security number. That is fraud. I tried speaking with the representative and she was rude. She said, my parent, cased the loan and the loan is valid. What she did not say, was my parent not eligible for a loan and that they intentionally used my social security number to run that loan. I am a XXXX employee and can not have a company using my social security number and listing it on my credit without my permission. The loan is being paid for by my parent, but the loan was disbursed illegally by this company with no knowledge to me or my parent.
09/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • KY
  • 40205
Web
I spoke with the company and let them know I had been severed from my job in XXXX. They said they understood and would work with me. I paid small payments, but then when I was unable to pay in XXXX they began calling me twice a day on weekdays and once a day on the weekend. Then, today they called one of my references. I was two months behind and they became very predatory and made me feel harassed. when I spoke with them today, they claimed they did not have record that I was unemployed and had recieved severance although they admited to sending me the necessary documentation for it. I told them I was contacting CFPB and they said that would turn me over to legal if I did not make a payment by XXXX XXXX. I made a {$200.00} payment, but felt a lot of pressure after their threatening legal and wage garnishment on me. I can provide more documentation ( call logs on my cell phone, my reference contacting me about them calling her, and the paperwork they sent to me when I was unemployed ). This is predatory and unfair.
07/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30907
Web Servicemember
On or about XXXX or XX/XX/XXXX, I submitted a complaint against the company for false representation of amount owed to the company. The company adjusted the balance in the letter to CFPB but failed to update my credit report for the payments made even though the company had reported inaccurate and false information about my account. They falsely reported the amount owed on the account and did not list the payments made on the account. Almost a year later after filing the first complaint against the company and almost a year after they promised to adjust the balance, they have not updated my credit report and have allowed the update from XXXX which did not correctly reflect my payment history or the amount owed on the account. Instead, they have neglected their responsibility to correct the false information on my account and have refused to remove it. This is now nine months of continuing to allow false information against me to be reported on my credit report. There is no excuse for harming my reputation.
08/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • OH
  • 43050
Web
I received an unsolicited loan offer from the predatory lending private equity firm Mariner Finance in the form of a check I could actually cash. I did not fall for their shameful, deceptive loan offer and have not opened the account. Presenting the loan agreement in the form of a cashable check is disgraceful - preying on the desperation of those needing to pay off other debts with a short-term easy solution ( just cash this check and the money is yours! ) while also driving that person deeper into debt. The terms are not favorable. Information such as payment dates and how to pay are not provided until after you open account solely by cashing the check. I'm disgusted by how craven this marketing approach is for this serious financial instrument - much different from the cash advance checks provided by credit card companies primarily because you already have an account with them at the time. I was likely targeted for this loan offer because of the bankruptcy still on my credit report from several years ago.
11/15/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30115
Web Older American, Servicemember
took out a loan with Mariner Finance which they insisted on securing with a lien against our vehicle which at the time had been in an accident. The insurance company had previously declared the vehicles value was salvage {$350.00} which was told to the branch manager at the closing. I had XXXX XXXXXXXX in XX/XX/XXXX which didnt allow me to return to work for 12 weeks. I wasnt able to work many hours in the first month after returning to work and then I was laid off due to COVID. In XX/XX/XXXX I enrolled in a Debt Relief Program and submitted this account in the program. XXXX XXXX couldnt accept a secured debt, MARINEER FINANCE declined to remove the security. Subsequently the branch manager refused to accept the offer of the trade-in allowance as settlement of the debt. Every month since XX/XX/XXXX MARINEER FINANCE has reported the account a CHARGE OFF, PAST DUE to the credit bureau. Their actions are nothing more than retaliation and a deliberate violation of the Federal Fair Debt Collection Practices ACT.
11/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • IN
  • 461XX
Web
Obtained loan in XX/XX/XXXX from Mariner Finance , LLC. I had the understanding that it was a simple interest loan at nearly 29.49 %. I have good credit but I was in need of a quick loan to close on an investment property so I accepted the rate. I paid my payments for some reason the did not record one of my cash payments in the store. They didn't report me to the credit bureau until after I paid off the loan on XX/XX/XXXX. They reported me after I questioned the payoff amount and demanded to speak with a district manager. They gave me her number which was incorrect. The payoff was more then the original loan amount of {$5000.00} even after my 7 months of payments my payoff was {$5000.00}. The stated this was fees an interest charges. They did not have an amortization schedule to detail where my funds applied. I fee like this is taking advantage of the general public. Even with my background in Real Estate Sales I was unable to understand their paperwork, policies and application of payments to the loan.
07/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08104
Web
I am attaching my final payment for the account referenced above. I request a written confirmation from you that this account is [ paid in full according to the terms of our agreement on XX/XX/XXXX. If I do not receive a written confirmation from you, I will consider this final payment as proof of your acceptance that the account referenced above is [ paid in full ]. Now that the debt is paid in full, I do not expect to hear from you concerning it, except to confirm that it is paid in full. I will consider reporting any other communications concerning payment to the Federal Trade Commission and my states Attorney General, as well as take any legal action necessary. please update and remove from my credit report ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 **
05/06/2020 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
  • MD
  • 20878
Web
On XX/XX/XXXX and XX/XX/XXXX, Mariner Finance made initiated hard inquires on my XXXX credit report. At the time, I was delayed in repaying a loan in the amount of approximately {$630.00}. Mariner Finance sued me for the amount in question. However, I filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX, with a discharge on XX/XX/XXXX. I had earlier filed a complaint with the CFPB ( in early XXXX, I believe ) regarding Mariner 's hard pulls on my credit. The company 's response was that the contract permitted such credit pulls in order to confirm my current location. Mariner Finance was one of many creditors with whom I was late ( as well as being included in, and discharged through, Chapter XXXX ), yet they were the ONLY ONE to initiate hard pulls on my credit. I believe that this was punitive on their part and had nothing whatsoever to do with " confirming my current location. '' It may be technically legal for them to initiate the credit inquires, but it is most certainly not ethical.
09/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • PA
  • 195XX
Web
I tested positive for XXXX the end of XXXX and it caused a lot of medical issues for me, and I could not work. I was receiving STD through my employer for 6 months, but that ended the beginning of XXXX. I am no longer employed because my employer did not provide accommodations for me to return part time or from home. I am unable to work full time still because I am still dealing with debilitating medical conditions. My insurance through my employer ended in XXXX. I explained to Mariner Finance that I am not on STD anymore and I am not receiving unemployment or XXXX yet. I an still waiting to hear back. I called and explained this to Mariner Finance and they were very rude to me and did not work with me. They said I need to fill the XXXX form out, but I am not longer on STD nor do I have insurance. It is not my fault that this pandemic happened and I got sick. AND it is also not my fault that I am unable to work. I do not appreciate being treated this way. I feel very discriminated against.
04/23/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • XXXXX
Web
XXXX has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against Mariner Finance with the Maryland OAG admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to XXXX numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement.
08/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • MD
  • 21701
Web Servicemember
An account was opened fraudulently in my name with this company. I called twice before getting to speak with XXXX from the XXXX XXXX XXXX and explained to her that I was not the person that took out the loan. I then went to the office and asked for a copy of any documentation that was used and that I would sign an document stating that I swear to not opening the loan. She then told me that they could not find the check or any documentation and the loan would be absolved. I think continued to request a copy of the paperwork and after more than 30 days, I have not received any documentation and the account has been added to my credit report. I have disputed the account and send formal written letters to the company headquarters and still no paperwork has been sent and they verified the account with XXXX XXXX stating that the account was valid. I have not been able to reach anyone to get any information and XXXX XXXX will not dispute the account again until after a wait period.
03/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • XXXXX
Web
On XX/XX/XXXX this company contacted my place of employment and left a message on a co-workers phone. I feel that this is a violation of my privacy. First of all if they were to continue calling this person that person would have to start to wonder what's up. I have as of today XX/XX/XXXX. Left them a message to no longer call my place of employment. This debt is now being negotiated by XXXX XXXX. I had tried to make good on the payments and am now unable to do so hence why XXXX XXXX was contacted. They contacted all of the companies put into the program but Mariner Finance is the only one who called my employer and left the voicemail. XXXX gave me a safe number to change as my contact info. I did this for all the creditors but Mariner Finance is the only one ignoring it. I know original creditors have some leniency but in the case of leaving a message on someone else 's voicemail at work is or at least should be a violation regardless of what the message said.
12/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • MO
  • 64804
Web
On or about XX/XX/2018 I took out a loan from Personal Finance in XXXX Mo and purchased additional insurance for " involuntary unemployment '' around the month of XXXX or XXXX I was laid off from my former employer and filed a claim on said insurance however they refused to payout or cover loan payments stating I was seasonal although a Regional Director & District Manager can and will testify I was advised I was a full time employee but insurance I diligently paid for thru personal finance XXXX mo refused to cover me therefore putting me in an " economic hardship '' I intend to counter sue if they take action however recently and without my consent Personal Finance continues to run hard pulls on my credit I have demanded I revoke any original consent and they refuse to allow me to revoke my consent to do so this company sold me insurance that they knew wasnt going to cover me and they need investigated and fined for their frivolous actions. Shame on personal finance XXXX.
01/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 45239
Web
I obtained a loan XX/XX/2018. Fixed rate, fixed term, fixed loan. However, if I pay it off now I still paying the interest for the whole time. I find it interesting how they are able to front load the interest charge and include it in the original loan amount. On their online portal its states : Amount Financed : {$5700.00} However, I didn't receive that much, that is including the finance charges. Then it states my loan was funded for XXXX however it wasn't. The total amount with interest would have been XXXX but I did not receive that much when I obtained that loan. I am concerned because it currently states the balance is : XXXX and some change. And when I look at history it shows all payments going to principal and not interest. So if I go and pay off the full amount its including interest that shouldn't even be charged as of yet but is being included. I believe that is against the rules and a practice that has previously been ruled a UDAAP violation. Thank you!
06/09/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 212XX
Web
Mariner finance in XXXX , XXXX sent me a check for {$1200.00} in XXXX 2017 even I did not applied for any loan. Any how I used the money. I got sick and admitted to the hospital for two months, and lost my job. My friends told me to consolidate bills as I am not in a situation to pay off my bills.I informed all the institutions about my intention.Every body stopped calling me except Mariner finance, and now they are threatening me to file a law suit against me. I even sent the letter to the branch manager and to the regional manager that I am in contact of debt consolidation but they neglected my letters and shared my personal information and details of my loan to all of my family members.It hurts me a lit and give me a mental tension.I request to the agency to shut down their office as they are violating the consumer protection act. I have all the witnesses and letters with me I sent them. I also request you to stop them by harassing me through phone calls.
06/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30318
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 reporting agency can not furnish account without my written instruction. The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) o f this title is mailed or delivered to the consumer not later than 21 days before the payment due date. My reputation, credit, and mental health have been negatively affected due to this unlawful violation from this company.
02/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 430XX
Web
Last year approximately XX/XX/XXXX I paid Mariner Finance a lump sum payment of around {$3100.00}. This was for the purpose of paying off my loan. I considered the matter closed. However, it has come to my attention that there remained a balance of {$87.00}. Now they insist that I owe them {$540.00}. I was unaware that the amount did not match the payoff. I have talked to them at length regarding the issue. I received no emails or regular mail regarding the issue. They claim everything is done with paperless billing. I never set up a paperless billing account?? They have acknowledge that it appears my intent was to pay the loan off in fullbut are telling me my only option is to pay the {$540.00}. I asked why this wasnt reported to the credit collection department and they said because I was paid up till some time in XXXX! So, the account is actively open, Im not late, and no payment is due till some time in XXXX?!! THIS IS SOME SHADY LENDING!! PLEASE HELP ME!
05/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NC
  • 283XX
Web Servicemember
XXXX XXXX in XXXX, Nc denied me a loan i was qualified for. I think the branch XXXX name there is XXXX. and there is also XXXX. here is the thing, i kept applying for a loan with that branch earlier this year and late last year. each time i applied online and a few times over the phone. i would wait 30 days to apply again. when i waited 30 days, which is when they told me to wait to reapply, the branch XXXX at the XXXX nc XXXX told me they just denied me and that i wouldnt be able to get another one anytime soon. i know this because i was finally able to get a loan with the branch in XXXX nc, the same day i called the XXXX branch, who refused to run my credit. i want nothing to do with this scam of a company period. ive reported them to the nc doj, the XXXX branch for their high interest rate and the XXXX branch for being dishonest and discrimination on me getting a loan after it was for more than 30 days that i applied previously. this is against the law
09/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 71457
Web
Mariner finance is reporting four charge offs for me. They show sll of them as joint account. I only am responsible for one loan in the amount of XXXX and a few dollars and they have my husbands bad loans reported as I signed. The loan charged off in my name is being reported as Im not paying monthly and it is hurting my credit. My loan was charged off as I was a co-signer with my husband. They will not remove the other reported charge offs that are not mine. I never restructured my charge off to pay monthly snd its being reported thst I keep missing payments currently. Please check documents for my signature. I havent signed for all of them. Theyre not mine and its killing my credit. Ive called them and they know I bl ever signed those loans but will not remove and continue to report me not paying my charge off monthly. Please review the documents on these loans and see Im not responsible for them and remove the three negative charge offs from my credit.
05/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 92870
Web Servicemember
I am currently past due on my loan and have attempted to make a payment online, however since I now have a balance from last month and a payment due for next month it will not allow me to only make the payment for the past due amount. When submitting the payment online for the past due amount it says that I can not make that payment because it is less than what is due. ( even though the next due date is in XXXX and it is currently XXXX ) It directs me to contact the branch, however every time I have called I can never get an answer. This has happened on several occasions but now caused my loan to become 30 days past due and negatively impact my credit score. I work Monday- Saturday during the time the office is open and have no way to visit the branch to make the payment since it is far from my house and job. This has got to be unethical when a customer can not even make a payment for a past due amount and nobody will answer the phone to help!
11/16/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90405
Web
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. Account Information : MARINER FINANCE , LLC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. MARINER FINANCE , LLC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
07/27/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 315XX
Web
Mariner Finance has been posting missed payments, due to my unemployment, to my credit reports. The missed payment reports are legitimate. However, they are reporting that my principle loan is more than double the actual amount. I have accounts with XXXX, XXXX XXXX and XXXX XXXX so when anything on my credit report changes I am immediately contacted. In early XXXX I received a notice that my loan was renewed with the principle amount of {$6800.00}. The actual amount was {$3000.00} to which I have already paid over {$1500.00} during 2018. I contacted the company on 5 different occasions about the amount they are posting. The last time I spoke with XXXX he asked if I received their court papers in the mail. At that point I stopped communication with them to wait for the court documents that I still haven't received. So they have called my sister 's cell phone twice and left messages saying I owed them money and that I was behind on payments.
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92058
Web Servicemember
I am writing to lodge a formal complaint regarding Mariner Finances failure to provide me with a Form 1099-C after charging off a debt. I believe their actions are in violation of tax reporting regulations and are causing confusion and uncertainty for me as a consumer. I had a financial obligation with Mariner Finance that was eventually charged off. Despite the debt being charged off, I have not received a Form 1099-C from Mariner Finance , which is i believe to be required by the Internal Revenue Service ( IRS ) for reporting cancelled debt as income. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against Mariner Finance for their failure to provide the required Form 1099-C. I believe that their actions are not only an inconvenience, but also a potential violation of consumer protection regulations. Your attention to this issue and your assistance in resolving it would be greatly appreciated.
07/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85143
Web
XXXX XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called Mariner Finance. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit. The 3rd agency, XXXX, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with XXXX notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. XXXX has refused to remove the hard inquiry from my credit file. Mariner Finance also has not responded to any communctions requesting that they notify the credit agency of the fraud.
02/24/2021 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • 37355
Web
I received a call today and the person was claiming to be a XXXX County Deputy by the name of XXXX XXXX even stated his badge number was XXXX. He said they had been trying to serve me cause I was being sued by Pioneer Credit and I needed to call XXXX with my case number. Then said if I was served and didn't show for court I would get a failure to appear. Also said I was being sued for fraud. I called the number and spoke to a XXXX XXXX. He said in total I owed {$2500.00}. If I didn't want to go to court and wanted legal charges dropped then I needed to pay today. He offered a settlement of $ XXXX.He then said if I didn't pay half today and the other half tomorrow of a settlement for {$700.00} or pay in full today by XXXX that I would be served by the police department within 48 hrs. I would have to pay additional {$1200.00} if it went to court for attorney fees. I sent the {$700.00} at XXXX cst to XXXX XXXX XXXX XXXX through my XXXX.
12/07/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • XXXXX
Web
Good Morning, I received a letter from XXXX XXXX XXXX XXXX XXXX firm, for the collection of a debt that was just an over sight on my part, from Mariner Finance for a total of XXXX. I contacted Mariner Finance to try to make up payments and then have them, to start taking automatic withdrawal from my checking account, and they refused stating that they would get in trouble for talking to me and stated I needed to talk to the attorney, in which I did contact the above mentioned attorney 's office and tried to set up the same arrangement, and they stated that I had to make the full payment, and I stated to them that I retired, but they refused to let me make any kind of payment, and refused to automatic take payments direct out of my checking account. They stated that they will sue. I do owe the debt and want to pay, but they refuse. Mariner Finance XXXX Attorney XXXX I am really trying to get this resolved. Thanks for your help
12/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30549
Web Servicemember
XXXX XXXX XXXX XXXX XXXX Texas branch reported my loan account 30 day late. It is reporting on CRA for XX/XX/2021 as 30 days delinquent. XXXX XXXX is branch manager at XXXX XXXX Texas location. I spoke to her today XX/XX/2021 at XXXX in regard to Fair Credit Reporting Act statue - Duty to Provide Notice to Customer, Timing of Notice and Format of Notice. I asked XXXX XXXX if they notified me in writing no later than 30 days after furnishing the negative information to CRA. She replied XXXX. She stated No notice was mailed to me regarding this negative information reported. She also stated she was not familiar with fair credit reporting act and stated she would not remove negative information even after learning she violated the FCRA. In accordance to FCRA she has violated my rights by failing to uphold the Duty to Provide Notice to Customer, by not adhering to Timing of Notice and Format of the Notice and this has caused me harm.
04/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20032
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
06/27/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • LA
  • 70506
Web
A representative from the company called me and when I called back because I didnt recognize the number stated they were calling me about a loan with mariner finance. I asked him was he sure he had the person and then just proceeded with the call. He stated he had a check I had for a loan and when I asked him to send he said they would but lets resolve the issue. I explained to him i and never heard of him or his company and he then stated they were on my credit report. I told him that was not correct and he then ran an inquiry on my credit report with out my permission. He stated I have given them pro mission and that was not the case because I have never heard of the company. When I told him I was recording the call he then hung up and they refused to answer my calls. I then pulled up my credit report and it was an inquiry for this company on my report. I tried calling them several times and they just sent me to voice mail.
05/05/2022 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
  • OK
  • 741XX
Web
On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all XXXX credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has XXXXfraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.
09/15/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77449
Web
Contacted Mariner Finance to resolve the amount and was advised to contact the collection agency XXXX XXXX XXXX XXXX. Contacted XXXX XXXX XXXX to resolve balance owed from Mariner Finance in XX/XX/2021. During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. I called Credit Bureaus to request account from Mariner Finance to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to Mariner. I submitted supporting documents to advise of payment for deletion and items still remain. The items should be removed as the debit is no longer owed and agreement was a pay for deletion.
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
  • KY
  • 402XX
Web Servicemember
I opened a loan with Personal Finance in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with Personal Finance in XX/XX/2017, they were purchased by Mariner Finance, in XXXX or XXXX of the same year. Mariner Finance closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.
05/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08330
Web
I paid off my personal loan on XX/XX/XXXX I then went to XXXX 3x to get Mariner Finance to update my tradeline with XXXX and each time they cam back account has balance and still open. I called Creditor Mariner Finance @ XXXX to verify my account and they stated yes its closed and paid in full however we don't update any information until the next month. I said you are providing incorrect information to the credit bureau then. My account has been paid off since XX/XX/XXXX today is XX/XX/XXXX and the 3rd dispute has just been finished with XXXX and they are reporting acct still open and with a balance. When I asked mariner to send me something in writing I was told they can't the local branch will have to do it. This is unfair my acct is not still open nor does it have a balance and the simple fact that they are reporting fraudulent information to my credit report is a problem Mariner Finance acct # XXXX ( XXXX )
12/28/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70458
Web
Company did not respond to my certified letter they signed for it but did not reply ... I went to the company in person they could not provide me with proof of the debt ... they became rude when I ask them to romove the false debt. I do not have a debt with the company. I spoke to XXXX different managers, no success. Managers XXXX, XXXX and XXXX all said they will get the home office to draw up some paperwork. I have never been to Mariner Finance until yesterday to request proof. At first they said they did n't have anything, then they said the purchaseday the debt from another company but never provided proof and refused to remove from my credit. I have never entered into any type of agreement with Mariner Finance. There are XXXX separate reportingshower on my credit reports from these companies. I sent disputes to all XXXX credit reporting agencies and to Mariner Finance directly, no resolve, please help.
03/01/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32940
Web Servicemember
Per conversation on the phone I had an outstanding debt that went to collections. I called and told them I wasn't able to make any payments because I became XXXX and lived in XXXX XXXX and when XXXX hit I was in a financial hardship. The date I sent a payment in full I asked if all negative remarks would be removed from my credit report and account would be marked paid in full. They agreed verbally and I sent a payment of {$3500.00} over the phone. I recieved a letter the debt was paid days after. Its still on my credit report I tried calling but they aren't keeping there end of the bargain. If it was just a couple dollars I wouldn't care but the fact I was back on my feet and put over $ XXXX to pay it in full I made sure to come to some agreement. When I go online to look at the prior loan all infomation is deleted and I get an 404 error. The page can not be found. So now It looks like I never had a loan.
02/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75253
Web
I sent a letter last month to Mariner Finance regarding a charged off account that is reporting on my credit report. The account has been paid, and I originally had an agreement to remove this account once paid. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because I was never sent a 1099c for this charge off and the data furnished is inconsistent between all 3 credit bureaus. My credit report will show different payment history which means that this account is not in compliance. The IRS directed me to file form 3949a for illegal tax violations upon your company. There are many FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
12/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AL
  • 35244
Web Servicemember
XXXX of 2022, I called mariner finance to figure out how much was owed to pay my loan completely off, the rep informed me that she can defer the payment for XXXX and I would be completely paid off. The rep took a future payment on recorded line and reassured me that it will be my final payment. However, it wasnt in XXXX I was harassed by several employees stating I owed XXXX $ I was unaware that it was late fees. On top of that they charged me another XXXX on top of the XXXX late fee that was owed. I had called head quarters to file a complaint ant the rep was rude and said she can not waive any late fees and I told her I was calling to complain not to be assisted. It was so bad that I had to disconnect the call. Its already bad we have payed back almost XXXX in interest charges for a loan that was on XXXX XXXX I thought it was illegal to charge a late fee on a late fee when a loan is paid in full??
07/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34639
Web
Back in 2014 I contacted XXXX XXXX XXXX XXXX. in reference to a charge I had been disputing an account with XXXX XXXX XXXX/Mariner Finance Company. The matter had been resolved due to a settlement agreement. The account is still reporting with a balance due and opened which is inaccurate. This has been reporting now for several years when it was already resolved. I sent Mariner fiance a letter explaining the issue and they have yet to respond. There is no money owed to this company and has n't been for sometime now and yet they are still reporting a balance and will not respond to my request. This has also been disputed with the credit reporting agencies yet they are still reporting the information. This is very upsetting and it needs to be cleared up immediately. I have been trying to get this resolved and it 's affecting my ability to make any type of financial move. This is absolutely ridiculous.
12/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • VA
  • 23453
Web
Opened a loan with Mariner Finance and I have NEVER been 30 days at more past due on my payments. On the XX/XX/XXXX I spoke with the branch manager XXXX and informed her that I would be making XXXX payment on the XXXX ( my payments are due on the XXXX ) and XXXX payment on the XXXX. I also asked that she stop calling my references and informing them that they are trying to collect a payment. At that time the manager became rude and very unprofessional. I couldnt get a word in so I hung up. She didnt act that way when she left the voicemail on my DAUGHTERS phone and even discussed options to bring the account current. That Saturday ( XX/XX/XXXX18 ) the same day I made a payment I received a letter of default on my loan. How did I default on a loan thats not even 30 days past due? I simply want them to stop contacting my references and collection/garnishment proceedings stopped if they have started.
03/13/2018 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
  • PA
  • 190XX
Web
XXXX show up on my credit history ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Mariner finance ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX (XX/XX/XXXX,XX/XX/XXXX ) do not have any knowledge of this inquiry
07/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 33626
Web Servicemember
Good Day, Ive made multiple attempts for weeks now to try and resolve this debt and XXXX in collections does not return voicemails. In addition her supervisor XXXX who is very unprofessional called my husband from his own personal cellphone threatening him. We have the call logs to prove. Your collections department has been by far the most disrespectful and unprofessional department Ive ever communicated with. I called again today so settle my debts due to experiencing a financial hardship and they are unable to settle for less than the full balance even though I received an email that expired on XXXX offering to settle for {$630.00}. We just want to settle this debt and move on but we dont trust or want to deal with anyone from your collections department. My husband has already taken the appropriate action to move forward against the threats form your office supervisor XXXX.
05/04/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 235XX
Web
XXXX I had a payment due for approximately XXXX, I normally pay online. I was locked out of my online account when trying to pay. I later logged in and scheduled two payments last one was withdrawn XXXX. Next payment is due XXXX. My account was not even 30 days late and they were calling every day while I was at work and calling my job. I never had a chance to call them back to find out why they were calling like my account was months pass due. I then got a letter in the mail dated XX/XX/XXXX demanding the full payment of the loan in 15 days and being threatened with court. I will never borrow money from this place again and my loan amount is even incorrect because they added an additional cost that I did not authorize and I request to be removed. I will be filing a complaint for abusive and illegal collection practices and collection of unauthorized charges on a loan document.
03/02/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37130
Web
I opened an account with Mariner finance on XX/XX/XXXX and I wasn't able to make the payments due to personal reasons and The first time they called, I offered to pay over the phone but they didn't take debit cards over the phone, only through ban account. I wasn't comfortable with that and they continued to call me continuously for a few months. After that, they ran fraudulent inquiries on my credit report which I did not authorize on XX/XX/XXXX and again on XX/XX/XXXX. I paid my bill on XX/XX/XXXX and on XX/XX/XXXX, I received a letter threatening to sue me and to pay the amount in full. I called the company and asked why they kept running inquires on my credit report and they said that they had to run it because they hadn't heard from me. I asked them to remove the inquiries and they did not, even after the debt was paid. they also made my credit score drop 116 points.
04/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • SC
  • 29212
Web
On XX/XX/2019, my husband cashed a check for {$3500.00} from a financial company, XXXX XXXX, that was made out to me, without my knowledge. He received the check in the mail as per their marketing. The check was in my name, but he had no problem cashing it, even though on the check it says you need two forms of ID. He even forged my signature on the back. The company says that I am responsible for the amount because it was my husband who cashed it. It is unacceptable that it was so easy for him to cash that check. I should not be held responsible for his actions. The only way that I found out about it, was that XXXX XXXX sent a letter to me in XXXX saying that payment was past due! I called them and they told me that sure enough, someone had cashed a check that they had sent in the mail. But because I knew the person who had cashed it, they could do nothing about it.
10/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63304
Web
XXXX is reporting an old account on my report, via Personal Finance, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Personal Finance provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Personal Finance and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Personal Finance a dime, and they know it, and XXXX should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report
05/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 45066
Web
An account with Mariner Finance was fraudulently opened in my name by a former spouse. When it went unpaid, they sued me and received a judgement against me to pay in the amount of {$85.00} per month for the balance of the loan. I have made these payments on time since XX/XX/2020, however they are not applying them to the loan, and continue to report the loan as no payment made to the credit bureaus. When I contacted them, they stated they will continue to mark it as unpaid until the loan is paid in full. The loan will never be paid in full, because they are charging higher monthly interest than the $ XXXX month payment, and therefore not applying the payments to principal. I spoke with XXXX at the XXXX XXXX who was rude and condescending and told me it was my own fault for not paying my bill, even though they have been made aware this was a fraudulent loan.
01/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 22032
Web
I did not apply for a loan with Mariner Finance. They mailed a live check to me, that I did not ask for or solicit. This implies that they ran my credit report without my permission, and I had never heard or done business with this company. They claim that I agreed to the terms of their loan by signing the check, but I did not receive " Regulation Z, Truth and Lending Disclosures '', After depositing the check, I waited to hear from Mariner for two full months. Finally, I reached out to them myself to get payment details, the term, and to learn how I could make payments. I was told the term was 24 months, so I set up 24 months of payments from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX Mariner started collections on me claiming I was six months in default. I received no correspondence from them until this notice was sent. In violation of numerous collection laws.
02/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • OH
  • 454XX
Web
Mariners Finance is going into my report bureaus ( XXXX ) and putting inquirys on it behind my back, I have not applied for any loans through them, did that long time ago and they ripped me off so I learned a lesson they are underhanded and are allowed to do damage to others. I was receiving offers via U.S. mail, I would send them back telling them I am not interested stop mailing your garbage to my address, this didn't work, so I went online to a OPT OUT ALL IN ONE website and opted out of all junk mail coming to me, that didn't work, they still mailed me, so I emailed their main firm in XXXX MD and demanded they remove me and stop bothering me, they said they would, but now here 's this! they are going into my credit bureaus and snooping around, I never opted in to receive any marketing mailings from anyone of any sort yet these crooks wont leave me alone
06/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43614
Web
On XX/XX/2021 I opened a debt with Mariner Finance in the amount of {$2500.00}. I then experienced health problemXXXX XXXX XXXX XXXXXXXX, Im a XXXX XXXX XXXX XXXX XXXX XXXX I joined a debt relief program and was advised to stop paying my debts, which I did. I later was informed that Mariner Finance would not be willing to work with them, & at that point I was behind on payments. I was then sued by Mariner & agreed to pay $ XXXX with the new amount being {$2800.00}, which included their court fees. My recent check was garnished without my knowing in the amount of {$460.00}, which is causing significant financial hardship and Im now unable to pay my bills & support my family. I never received the debt validation documents and currently do not even know where I am in the payments because Ive had no correspondence with them since the original agreement.
03/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32958
Web Servicemember
In XX/XX/XXXX I took out a personal loan for XXXX. XX/XX/XXXX I played this loan in full as per what the online payment told me to pay. I have not received any correspondence with this company. I found it on my credit report when I went to purchase a home ... it even shows my last payment date but it shows I have been making monthly payments. How? I want aware, I have called. Sent emails, sent correspondence but never get a answer from the company..the company just keeps adding money in one them. I paid my loan in full on line XX/XX/XXXX ... this account was paid in full including interest for XXXX even though first payment was not due till XX/XX/XXXX. This account needs to show closed and I cant believe a company can lie on you but never return calls, letters emails. Please look deeper there is fraud being done and XXXX I'm the person being harmed.
07/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • MD
  • 21740
Web
The week of XXXX XXXX 2017 to XXXX XXXX 2017 I have spoken with XXXX who is the manager of Mariner Finance located at XXXX XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX. In our conversation I have explained to them that I am having difficulty with my entire debt that I have due to loss of income of over 20k. I was keeping afloat for a while, but then everything got to be too much in which i then decided to reach out to a debt company. When I let them know what I had to do, they educated to me that they do not work with these individuals and that they work with XXXX, in which I am trying to see what they have to offer. I am trying to work out the issue with this business and they are not willing to work with me. I am a little more than 30 days passed due and they are already sending letters about legal action. I also had to lose the car. Please assist me
03/28/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • XXXXX
Web
XXXX has listed on my credit report a debt that was abolished by XXXX Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because XXXX Finance is supplying fictitious information because collection efforts remain in effect for XXXX party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. Equifax is also listing the erroneous account by XXXX Finance as past due in the amount of {$1500.00}.
12/17/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • PA
  • 18201
Web
I filed a case with CFPB on XXXX/XXXX/15 ( case number XXXX ) with Mariner Finance. The business stated in the complaint " Mariner Finance can confirm that XXXX XXXX 's account is paid in full and his paid document will be sent to him. '' I have received XXXX bills from this company stating money is still owed and to mail payment. I checked my credit reports and they are reporting to XXXX that I owe {$180.00} and they have been charging monthly late fees of {$30.00} per month. As promised in the prior case, they never sent me any documentation nor have I done any further business with this company yet they continue to charge me a monthly late fee and the first complaint stated they waived the final {$24.00} due as a good faith gesture so I do not understand where this {$180.00} came from when they stated account was closed and no money was owed.
01/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • GA
  • 30035
Web
I have called back in 2020 to work on this account with MARINER FINANCE. I was going through hardship due to the pandemic. The customer rep at that time was very rude and disrespectful towards me. He requested the full amount. I called again today XX/XX/XXXX in regards to settling the account. This account ( XXXX ) was charged off as bad debt and I was advised that it was sent to the attorney. The representative at XXXX XXXX stated that they were going to garnish my wages, however, I was NEVER SERVED and I haven't received anything in the mail from Mariner finance. I am highly upset because this is legal especially if I was not served. They have added triple interest and added additional fees. They scammed me. They are reporting inaccurate balances and past due balances and last date of activity on my credit profile. Please see the attachment.
04/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MO
  • 64804
Web
On or about XX/XX/XXXX I contacted Law Firm XXXX XXXX XXXX as I owed a debt from a judgment in my county court in an attempt to settle said debt as I was selling my house keeping in mind I had already settled other debts with other law firms for lesser amounts however this firm contacted thier client Personal Finance now Mariner Finance with the offer I gave they wanted all my personal info date of sale, where I work, how much I'm getting out of sale, who the buyers were, etc kinda hippa violations really, then Personal Finance now Mariner Finance since they knew my house was being sold came back and said no they want all that's owed and did so during a nation pandemic COVID-19 when my family is hurting and I'm on unemployment such a shame how Personal Finance now Mariner Finance treats people do not use them!!! Go to better loan companies!!!
10/05/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • OH
  • XXXXX
Web
I contacted Mariner Bank requesting debt validation and they have yet to send it to me. I have however rec 'd XXXX threatening letters telling me to get online and pay now or I will be hearing from their attorney. I asked them three times not to call me at work and three times they violated my request. I am not allowed to receive calls at work. Secondly I instructed them to stop calling anyone but myself to discuss this and on XXXX XXXX, 2015 XXXX called a friend of mine in XXXX XXXX Texas after I specifically said not to. I have given them my contact information and told them to write to me and they still refuse to do so and seem to be using the bullying attempt. They are calling his house and they know I do n't live there. I am in financial bind currently due to having to leave a violent home situation and he will not give me my belongings..
01/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • GA
  • 31021
Web
I currently have a personal loan with Mariner Finance and have done business with them for several years now. On XX/XX/XXXX I went on the website to pay bill but my {$200.00} was declined due to it not being the full amount of {$230.00} something. I come in to work on XX/XX/XXXX after returning from the holidays to be confronted by my boss about the Mariner account I have. He informed me that a representative of the company had contacted my work office and told him that I had a loan and that I was going to be prosecuted if I didn't pay. They continued by telling him it would only take {$130.00} or around that amount to avoid this from happening. This has caused turmoil for me and friction in my workplace. They had NO right to contact my employment and give any information other than to have me contact them. Because of this, I may lose my job.
05/20/2023 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
  • MD
  • 20785
Web
On XX/XX/2023, I requested documents from MARINR FINCand I have not received a response for the request. The letter is as follows and will be attached. I am requesting information for Account Number XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name ) Not only this, but I need this data to formulate a dispute because it isn't reporting accurately or completely to any of the credit bureaus and I do not know who is misreporting the information.
10/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 90049
Web Older American
I WAS APPROVED FOR A PERSONAL INSTALLMENT LOAN BY MARINER FINANCE OVER THE INTERNET. THEY THEN SENT ME THE LOAN DOCUMENTS WHICH I SIGNED VIA THE INTERNET. THEN THEY SENT ME A REQUEST FOR VERIFICATION OF SEVERAL ITEMS WHICH I FIND STRANGE AS I HAD ALREADY SIGNED THE LOAN DOCUMENTS. MY ANSWERS WERE CONFIDENTIAL SUCH AS SOCIAL SECURITY NUMBER, BANK ACCOUNT NUMBER, PROOF OF INCOME AND PERSONAL ITEMS. THEIR ADVERTISING STATED FUNDING WITHIN ONE DAY BUT I DID NOT HEAR BACK FROM THEM. OVER THE NEXT 4 DAYS I HAVE LEFT 4 VOICE MAIL MESSAGES FOR THE LOAN DEPARTMENT, 2 MESSAGES AT THEIR CORPORATE CUSTOMER SERVICE, XXXX MESSAGE AT A LOCAL BRANCH AND AN EMAIL TO THEIR CUSTOMER CUSTOMER SERVICE. I HAVE NOT RECEIVED A RESPONSE FROM ANY OF THESE EFFORTS AND I AM VERY UPSET. I AM ALSO CONCERNED WITH WHAT THEY WILL DO WITH MY CONFIDENTIAL INFORMATION
10/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • XXXXX
Web
XXXX XXXX XXXX Mariner Finance called my place of employment in attempts to collect a debt they say I owed. A coworker answered the phone. I was not available and my co- worker asked if she could take a message, the representative from XXXX XXXX XXXX Mariner Finance then asked my co -worker if I was still employed, to which my co-worker replied " that's an odd question '' ( because she had no idea the nature of the call. ) My co-worker asked if she had tried to reach me on my cell and the rep said " Yes, I am in the same business she is in, so that's probably why she's avoiding my call. '' That comment was completely unacceptable and a direct violation of my privacy in respect to FDCPA 's Title 15 Section 1962 c, by " revealing or discussing the nature of debts with third parties ( other than the consumer 's spouse or attorney. )
07/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • PA
  • XXXXX
Web
I scheduled a payment which was late, but tried to establish the payment for XX/XX/2023. XXXX XXXX online portal switched the " payment date '' to XX/XX/2023 which is the date for when I went to schedule the payment to effect a payment date, but I clearly put XX/XX/2023 in the date field. This is concerning and is considered fraud and potentially theft. I was aware that the payment was behind and I had plans to pay it, but this company having their system do this will almost certainly cause issues if there aren't enough funds on the date that they try and attempt taking the payment. This company is already being investigated for other forms of suspicious practices by none other than Attorney Generals across several states. I am beyond appalled and concerned and will probably be paying this off in a faster time frame now.
04/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27260
Web
This company has repeatedly call my home, my husbands cell phone. I speak with them about a payment that has bee made and they tell me they are going to check on it and don't. XXXX XXXX has twice reported to me that they are running my credit without my permission. This is damaging my credit scores. I tried to dispute this same thing in XX/XX/XXXX and today XX/XX/2019, I received a email from XXXX XXXX stating that a new inquiry was added to my XXXX credit report. I have no knowledge of this and did not give permission. We are responsible for our debts, but they keep giving me mixed emotions of what is really going on. My bank said a payment was made and I have proof. They tell me they are going to call me back once they check there records. I don't here anything about we discussed. They just keep calling for a payment.
04/14/2020 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 62864
Web
Ive attempted to contact XXXX XXXX XXXX in the past to dispute debt or due a pay to remove due the fact I dont have a contract to pay them anything nor do I know that person finance company sold a debt to them in order for them collect and Im not sure how XXXX XXXX XXXX found where I lived at when I moved away to a new address I never gave a forwarding address to them nor does XXXX XXXX XXXX have the actual copy of a statement from personal finance company other than they probably got a computer printout from somewhere in order to act like they had the actual contract when they dont since they dont live in XXXX IL also they tried to an unauthorized credit check without my permission in order to further damage my credit I just want this removed from the credit bureaus they have caused me a lot of financial health problems
03/04/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • IL
  • 60007
Web
Since XX/XX/2021 I have been trying to get the title of my vehicle corrected. It was updated to a Not Actual Mileage/NAM which is branded title which lowers the value of the vehicle by 50 % -70 %. Every time I go to the dealership to trade in or sell out to improve my financial situation the branded title prevents me from moving forward. Over the almost 2 years there was communication about the situation with the financier, they would send the same paper work. I would fill it out and send it back to them. They would assure me they would submit the paperwork this time it should work. I just say I sure hope so! Well all this communication about this situation and its not resolved. Seems as if the Financing company is holding me hostage and not letting me finance elsewhere or trade in the vehicle. They want the 19+ %.
07/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • XXXXX
Web
To whom it may concern : Im writing regarding inaccurate credit reporting by the following company. Mariner Finance formerly known as XXXX XXXX I am disputing this account to be updated as paid with XXXX balance. This account is currently reporting balance of XXXX delinquent and/or derogatory. Beginning XX/XX/XXXX this account had an active payment plan of XXXX per month which was never reported to credit bureaus. As of XX/XX/XXXX I ask to close account for remains balance of XXXX. I was decline offer ; offered a counter offer of XXXX additional to the XXXX Ive already paid. As of XX/XX/XXXX Ive paid a total of XXXX to this account. Ive paid this account off triple, by the law it required to report accurate credit information. I request accurate information is reported or this account be deleted from my credit profile.
08/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 38801
Web
I obtained a loan from XXXX XXXX several years ago who changed their name to Mariner Finance. I filed XXXX XXXX bankruptcy in early XXXX and the debt was included in the bankruptcy process. The total amount paid to them by the chapter XXXX trustee was {$1100.00}. My bankruptcy was successfully XXXX on XXXX and closed on XXXX. This company is showing a past due balance of {$2500.00} as of XX/XX/XXXX and negative accounts status. I filed a dispute with XXXX and received the following response : The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. So, Mariner ( a.k.a once XXXX XXXX XXXX is refusing to update the information and reporting inaccurate information.
12/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • VA
  • 20170
Web
I took out a {$4000.00} loan from Mariner Finance on XX/XX/2017. Upon paying my first monthly payment of {$170.00}. Only {$50.00} was credited to my balance. I called and asked why. I spoke to XXXX at the office who is the Asst, Manager, he told me that I have a Per Diem of {$4.00} per day. Then Later said my Per Diem was {$4.00} per. I asked him why was n't I informed of this and he stated that that 's how the company works. In total i was told that my loan of {$4000.00} was going to technically be paid dollar for dollar making my total owed to Mariner finance {$8400.00}. I was not informed of any of this, nor was i informed that I would be paying over {$8000.00} in the long run. Lastly, Mariner Finance put a life insurance policy on me and stated that they loaned me {$4500.00}. But the loan was on {$4000.00}.
07/26/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • SC
  • 29420
Web Servicemember
I am a XXXX XXXX who got called up for XXXX XXXX in XXXX I received orders in XX/XX/2021, but prior to that I applied for a personal loan with Mariner Finance. As a XXXX we don't know when we getting orders or get called up for duty. Nevertheless, I submitted my orders to the company in XX/XX/2021 to receive my 6 % rate reduction under the SCRA benefits. They are denying me because they are saying that I knew I was going on orders and therefore they don't have to give me the 6 %. The orders where dated XX/XX/2021, but I never received them till XXXX after the fact and plus I did not fall under XXXX XXXX orders until XX/XX/XXXX. I have tried to explain that to them, but they refuse to listen. Please help, I have contacted my legal representative here on base and I am waiting for them to get back to me. XXXX XXXX
04/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • GA
  • 30034
Web
I received a loan from Mariner Finance 3 months ago approximately {$5000.00} with a promise to Pay interest up to {$7000.00} extra. I had no problem wit this because I planned to Pay the principal balance off before in 3 2mths which would be way before my end date. After my XX/XX/XXXX Payment I was told my Pay off balance was {$5500.00}. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. Now that it is XX/XX/XXXX I payed my bill of {$230.00}. I was told my payoff balance is XXXX. I am not a finance major but I know from previous experiences with purchasing that my Pay off balance should not go up. I don't know what Mariner Finance is doing with my account. I NEED SOMEONE TO LOOK INTO FRAUD IT EXTRA CHARGES TO MY ACCOUNT PLEASE.
04/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 60178
Web
I filed bankruptcy Mariner Finance was notified along with their attorney. Even though I filed for chapter XXXX and have an automatic XXXX in place went a head got a judgement order. By law this is illegal. My second issue is I had a little bit of an issue while paying the loan and got a few months behind. I tried to work something out but they told me the only way to get caught up was to take out more loan. They stated no other solution was available. I didn't want to take out more loan but it was my only choice given by Mariner Finance. Mariner Finance is a payday type loan company and they are a predatory lender. No one should use them for a loam because they seek out people that are struggling in hopes to end up in court to take people for much more. They are criminal and break federal and local laws.
11/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • PA
  • 170XX
Web
I took out a loan with XXXX XXXX and had a payment due XX/XX/2021. It is not even 30 days late and I have the Vice President calling my phone saying that he has approved " action '' to be taken if I don't call the office back. I came down with XXXX in early XXXX and am still on XXXX. I can barely complete more than a few sentences without XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The doctors have said I'm a " XXXX XXXX '' patient and they aren't sure how long these symptoms will last. I'm unable to work right now because I can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I full intend to repay this loan as soon as I'm able but I feel like having the vice president call my phone and threaten " action '' ( unspecified action ) if I don't call back by XXXX is a bit much for someone who isn't even 30 days late.
11/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 424XX
Web
The people who operate mariner Finance company are putting additional funds onto an account that has been placed with an attorney and the attorney has filed a lawsuit against myself and my girlfriend and they closed the account.. 2 1 months later, they are still sending bad reports to XXXX and additional fees are being added, and they have been informed that the account is part of a bankruptcy proceeding by my girlfriend for the entire amount of money owed, but, they are continuing to harass me by sending you reports that cause my credit score to fall as of XX/XX/2019, they have no reason to do so other than for the personal persecution of myself and my credit. I want this to stop and feel that my credit score should be reevaluated and adjusted to get back the points that have been taken by their actions.
06/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30013
Web
I received a {$5000.00} loan on XX/XX/2022 after inputting my information online and speaking to someone on the phone a couple of days before. We never spoke about add on fees or interest. Ive paid about {$1400.00} up to today and realized Ive never seen how much interest was being added on each month. I scrolled through my transactions on their app and found out they already added their full interest amount to it. A total of {$3600.00}. I wouldnt have expected the interest to be that high but on top of that I have a principal amount of {$8900.00}. XXXX and a half times the loan amount seems ridiculous to me. Ive called once but no answer so I searched complaints on them from XXXX and seen they had a class action lawsuit against them in Pennsylvania for the same thing. So I decided to contact you guys.
06/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 628XX
Web
I filed a complaint with you against Mariner Finance XXXX IL and XXXX within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!
07/23/2018 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
  • 231XX
Web Servicemember
Dear Sirs : I opened a loan with Mariner Finance in or around XX/XX/XXXX. I made my payments on time until XX/XX/XXXX when i experienced some financial difficulty. I made up all payments for two months missed in XX/XX/XXXX, and I have not missed a payment since then. I have contacted my local Mariner Finance in XXXX, VA due to the credit reporting error and they agree with me that it is incorrectly reporting to the credit bureaus or the credit bureaus are incorrectly reporting it. The local branch sent me the account ledger showing my payments have been posting correctly. I believe this is a violation of the FDCPA. The loan is reporting in collection and charged off as of today and has been reporting since last XX/XX/XXXX to be in collections. This is incorrect per the local branch and my evidence.
08/02/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NM
  • 881XX
Web Servicemember
In XXXX of 2023, i became unable to work due to an injury. I was able to keep up with all of my payments except for the month of XXXX or XXXX, I received numerous calls everyday despite me explaining that i was not working at the time and unable to pay. I was the coerced into resigning my loan agreement, again, despite the fact i was unable to work. I currently am still unable to pay this debt because I am trying not to lose my housing and vehicle, I am continually receiving phone calls even after discussing my situation with the creditor Mariner Finance. In the past 7 days I have received XXXX phone calls XXXX of them being yesterday XX/XX/2023 and XXXX already today before noon, XX/XX/2023. This harassment is causing undue stress, further XXXX and XXXX and need to cease immediately. Thank you
12/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 617XX
Web Servicemember
In XX/XX/XXXX, I identified on my XXXX credit report that Mariner Finance ( previously Personal Finance Corporation ) was incorrectly reporting my account as being in collections. In XX/XX/XXXX, I was 30 days late with my payment, and prior to that, I was current until being 30 days late in XX/XX/XXXX. Since those occurrences, I have not missed a payment. On XX/XX/XXXX, I contacted local branch manager XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL XXXX ), and she verified that my account was current in their system. She responded that she would have to take it up with corporate ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). I followed up by mailing a copy of the report indicating the account in collections. It is now XX/XX/XXXX, and no progress has been made, and my credit score has been adversely affected.
03/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23453
Web
On XX/XX/XXXX19 I spoke with the branch manager XXXX XXXX and she informed me that my account was past due. I had my daughter call contact and set up a payment for the two months that were behind and gave Ms. XXXX permission to speak with my daughter about my account. Once the payment information was submitted Ms. XXXX and her associate assured me that she would contact the collections attorney XXXX XXXX and let him know that the account was up to date. Well today I get a warrant in the mail saying the account is in default. The only payment that I owe is for XXXX. I want the warrant in debt dismissed and credit report fixed. As of XX/XX/XXXX Mariners is showing the account as closed. Well today I get a warrant in the mail saying the account is in default. The only payment that I owe is for XXXX
07/07/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 172XX
Web
Mariner Finance XXXX is reporting a debt on my credit file. The debt belongs to a family member. They sent a check in the mail to my step daughter in her name for {$710.00} and she cashed it at her bank. She failed to pay the debt and after they failed to get payment from her they attached it to my social security number and changed my name on my credit file to her name. We have disputed the fraudulent debt with XXXX twice and the cfpb once, and they fixed it. Mariner however is still reporting it to XXXX under my social security number. XXXX has investigated it twice and are still saying it 's my debt. I have never been a customer of Mariner Finance and believe they have obtained my social security number, and are fraudulently and with malicious contempt to collect a debt under false pretenses
03/19/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33068
Web
They are not applying my extra loan payments to my principal balance. I make my monthly payment on time and then I will send in extra money that same month to be applied toward my principal. Instead they apply my extra payment to interest. I called and asked for it to be fixed but they told me I can only make extra principal payments the same day I make my regular. This is a simple interest loan with no pre-payment penalty. The reason for making extra payments is to pay down the loan faster. By miss applying my extra payments that will never happen. Payments are made on line and there is no where to state that the extra payment should be applied to principal. Also there is no where to see how your payments are being applied. You have to call the office and ask them to mail you a statement.
03/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19601
Web
Mariner Finance is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. Account type is reporting as joint for XXXX and individual for XXXX. XXXX is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. As you can see
03/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 328XX
Web
I applied for a loan on XX/XX/2023 as I received an email stating I was pre-approved. I received a message stating to call my local branch on XX/XX/2023. I spoke with the representative whom sent me an email with a link to confirm my email and submit additional documentation. I submitted all requested documents that same day. It has now been over a month with an email response or written response. Mariner Finance did a hard credit pull with the application. I called my local branch today XX/XX/2023 to see why I haven't received a written response to my application. I was informed that my application was denied. However, I never received any written notification as to why I was denied by email nor regular mail. This is clear violation of the laws regarding obtaining a persons credit.
03/28/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 281XX
Web
Two of my 'references ' were contacted by XXXX of the XXXX , NC office of Mariner Finance on XX/XX/2018 about a debt I have with Mariner Finance. I called XXXX after learning she had contacted these references. XXXX said she did this because she hadn't been able to reach me. When I responded that I had spoken to two people in her office just last week and had agreed to make a payment by the end of XXXX, XXXX said that the notes on her computer said this, but, she had to contact my references because she didn't have an exact date when my payment would be made, and couldn't reach me. I told her that I did not need to contact her prior to the end of the month because I had already agreed to make a payment by the end of XXXX. I told her to not contact any of my references about my debt.
11/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 190XX
Web
Mariner Finance # XXXX The above-aforementioned company has violated my rights. 15 U.S.C 1681 section 602a states that I have a right to privacy. 15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 states that 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.
10/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21215
Web
On XX/XX/2020 my father XXXX opened up a loan under Mariner Finance. I XXXX noticed that there was a Mariner Finance loan ( {$3200.00} ) that I never had. I contacted them in regards to it and spoke to my father. The company wouldnt answer the phone and tried their best to rush me off telling me your information is on it so its your loan. Once my mother went to the store they gave her a printed out copy of the check without having to show any sort of identification. They also informed her that it happens often here when she asked how could they mix up information. I disputed the account but Mariner Finance continues to state that its mine after I expressed to them that I never walked inside of a Mariner Finance and that my father told me that he indeed signed and cashed the check.
04/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • KY
  • 427XX
Web Servicemember
Loan discharged in bankruptcy chapter XXXX, Bankruptcy XXXX XXXX XXXX Kentucky. Despite company being directly contacted by the court, as well as their attorney, and later contacting the company myself a second time, they have failed to remove a civil suit from the XXXX XXXX XXXX XXXX. This seems to be a continuing effort to intimidate and harrass as this suit is a public record. They are thumbing their nose at the Federal Court. Additionally it can be considered a continuing attempt to collect a debt which has been discharged on XX/XX/XXXX. This is my second complaint against this business. The first was caused by falsly accusing me of providing an nsf check which they then attributed to a mistake and not coercion. This business needs to be investigated for their practices.
09/18/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • PA
  • 180XX
Web Servicemember
I spoke with XXXX XXXX who called on XXXX/XXXX/15 stating that Mariner Finance did not receive a payment and asking if we would like to make a payment over the phone. I then replied no, we had just received the payment booklet earlier this week and the check was mailed out yesterday. XXXX then responded that we were in default and if we did not pay today by phone ( which she later changed to Monday XXXX/XXXX/15 ) we would lose our 0 % 1 year interest rate and be charged the default rate of 24 %. However, our contract signed states that we would be in default if not paid by 15 days after the due date ( being XXXX/XXXX/15 ). I then explained that we were fully aware of our consumer rights and would pursue legal action if needed. XXXX stated " That 's perfectly fine with me. ''
04/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • GA
  • 314XX
Web
I received a loan with Mariner Finance. I made more than the monthly payment on my first month and my balance did not reflect it. I was told in XXXX of XXXX that my payments were current until XXXX of XXXX. I wanted to pay the principle as explained to a Mariner finance. She explained making payments online will go towards the monthly payment. When I said I want to pay my " principle balance '' in XXXX and XXXX my balance was still not correct and found my payments current until XXXX XXXX. I would like the finance and interest charges from XX/XX/XXXX to XXXX XXXX returned. XXXX closed my case because Mariner Finance employee was able to copy and paste their previous message when I asked for specific calculations. I feel wronged and I need your help. XXXX XXXX XXXXXXXX
11/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20746
Web
I took out a loan with this company, Mariner finance. Shortly after my student loans kicked in and I was n't able to afford the payments for this loan. I contacted a debt relief company to help me manage my loans I had and get them paid off. Mariner would not work with them not even talk to them. They filed a judgement against me. I contacted the branch and was told to send my paystub and their lawyers would review it and my current debts to establish an acceptable payment. I did n't hear from the branch for weeks and I kept calling for the same representative. Now they have put a bank levy on my account and I have no access to my bank at all and I ca n't get a hold of the person who told me to send my paystub for review as I was trying to make arrangements I could afford.
05/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 33782
Web
I received loan for Mariner Finance. I believe that I made all the payments but now I am being told that I owe the entire amount of the original loan. It is now being reported as such. I believe that I am a victim of predatory lending practices. I believe that there was a small undisclosed amount left with the loan and the attached fees and interest until the amount was in the amount of the original loan amount then they reported it to the credit agencies. I attempted to review my account through my online account with Mariner Finance and see no records of prior loans or payments made. I am trying to take care of the amount I actually owe with the company. I made payments for the time agreed upon. I was only notified that I owed the entire amount of the original loan.
11/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33884
Web
Mariner Fin. is stating that they can't help me with this account due to it being closed in their office. They said that the account is now with a collection agency. First of all, this account do not belong to me. I asked Mariner Fin. to provided me with a signature or any information attachment to this account, they cant do it. I called the collection company over and over again. No one never pick up the phone or return any of my phone call. I asked Mariner Fin. to deleted this account or show any document linking me to this account. It's not fair or lawful for Mariner to report this account over and over again when they not even holding a open account. Per to the Fair Credit Reporting Act, a company can't report a transferred account and still report it negatively.
04/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23222
Web
XXXX of Mariner finance has been reporting incorrect information to my credit report since his company acquired my loan back in XX/XX/XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XX/XX/XXXX XXXX has requested a garnishment of my wages. The court case was in XX/XX/XXXX of XX/XX/XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.
03/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 230XX
Web
Loan origination date was on or about XX/XX/XXXX for the amount of XXXX dollars. Contacted them in XX/XX/XXXX when the payment amount went up from XXXX dollars to XXXX dollars. During this conversation asked about the loan documents and why we were unable to access them or had not received a hard copy. Have made all payments through auto withdrawal loan was never defaulted. XX/XX/XXXX of XXXX made pay off in the amount of XXXX dollars. On XX/XX/XXXX of XXXX upon checking the bank account pay of amount and monthly payment were both charged after being told that monthly payment would be cancelled. XX/XX/XXXX of XXXX able to access account on website but all items in regard to the loan documents are not available. Links are disabled as are previous loan documents.
07/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 78414
Web Servicemember
On Monday XX/XX/2022 I reached out to Mariner Finance to negotiate debt settlement and ask questions in regards to how I can better my credit score. When talking to the rep she was very aggressive and started blaming me for not paying my bill and then started to scold me on the very matter. I said hey looked I am XXXX and have reasonable justification to why I needed to negotiate the debt owed as well as negotiate negative annotations on my report. The rep then said 'oh just because you are XXXX that means you can not pay up '. This is a direct violation in accordance with the American with XXXX act and due the exacerbation and harassment on my condition by the company 's representative. I had to end the call abruptly because of the negative toxic treatment.
05/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 180XX
Web
I missed 2 months during my loan term with Mariner finance they threaten me with court so I made An arrangement to get caught up then was back paying on time ended up paying the loan off a whole year early they still charged me what would have been the whole term which I dont understand that I paid XXXX a month for a whole year an the pay off was XXXX? MAkes no sense now its on my credit report as potential negative thats a smack in the face when I paid this off a whole year early I need this off my report IMMEDIATELY I cant not even move into a decent apartment because this negative mark when its not negative it was NEVER IN COLLECTIONS!! Its showing XXXX negative an then closed I want this removed immediately this has been paid off since XXXX of last year
12/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30213
Web
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus. I have made SEVERAL calls and spoken to several representatives at the company who have ensured me that not only is my account in positive standing and never has been delinquent, it was not shown or indicated to " charged off '' or late EVER!
12/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MD
  • 20912
Web
Mariner Finance sent me by mail an unsolicited loan-check in amount of {$1200.00}, dated XX/XX/2019. Sending live checks ( or any other type of credit check ) is just predatory and puts my credit at risk - anyone could steal mail from my mailbox and have fun at my expense. I have never requested any loan from Mariner Finance, nor I am interested in their services. I want them to stop sending me credit/services offers. The opt-out information they provide doesn't apply only to Mariner Finance but all other creditors, and I am not interested in filling out forms that require my SSN. Branch Manager of XXXX, MD, take my name out of all of your branch 's and Mariner Finance 's marketing/credit/services list, and do not contact me at all through any medium.
06/11/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 07304
Web
I had a personal loan fro m Mariner Finance th at I stopped paying when I became unemployed in XXXX of 2016 . I had credit insurance that paid the loan f or 4-5 months during my unemployment. Mariner Finance filed a judgement against me while they were receiving payments from the insurance company. The company has unfair business practices, as they have filed XXXX judgements against me, so it actually looks like I owe them double the amount of money. The reason for this particular complaint is because they have been doing hard pulls of my credit report, that were unauthorized since the account has been closed. I can furnish copies of my credit reports to prove this. They must be stopped. My credit is bad enough as it is, and they are making it worse.
06/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • DE
  • 19802
Web
I disputed an error on my XXXX credit report on XX/XX/XXXX. They have a negative account from Mariner Finance company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and Mariner Finance sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.
12/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • KY
  • 427XX
Web Servicemember
In XXXX of these years after 1 payment being late over 30 days, the company tried to intimidate and scare me by sending a letter stating that I had given them a bad check ( NSF ). This tactic was used to scare me into calling them so they could obtain my number to further harass me. They then sent a second letter wanting me to call them with a phone number. I never wrote a bad check. The last payment I made was in XXXX, not XXXX. However this tactic caused great stress to me. The letter did not include a check number, an amount, or a photo copy of the check. It was simple deceit and pressure. The county attorney was never notified of any bad checks either. The particular office is MARINER FINANCE, XXXX XXXX XXXX XXXX, XXXX KY XXXX. Phone : XXXX
10/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 223XX
Web
I have paid off this account back in XXXX. However, it is still showing on my report as past due and a balance owed. I have paid the balance off in full. The company sent me a paid in full statement. Yet, they are reporting inaccurately on my credit report and refusing to correct the information. I filed a dispute and despite the account being paid in full, and the company sending me a paid in full letter, and confirming it is paid in full, the company, in clear and direct violation of fair credit reporting laws, confirmed the information as accurate! This is not fair to consumers to allow companies to just so called review the information and confirm accuracy. They are clearly not even reviewing their records because the account is paid in full.
07/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77057
Web
This company, Mariner Finance is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.
12/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27893
Web
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
06/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 279XX
Web
Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.
05/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 32224
Web Servicemember
I applied for a loan online and was approved for 3 options. XXXX, however I needed more so I didn't accept the terms and left them open. The next day I received an email saying That I could reach out to the branch if the offer did not meet my needs. So I reached out to the branch they came back with XXXX but I had to use my car as a collateral. I refused and said I wanted to take the previous offer. Now they are telling me that that offer isn't available since I reached out to the branch and I would have to wait XXXX. This was a classic bait and switch. It puts people in horrible situation where if you are in need you either offer your car up or get nothing because you inquired at the branch. There is no warning given and now I'm stuck.
08/29/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60620
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
12/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MD
  • 20902
Web
Mariner Finance , LLC emailed me on Saturday, XX/XX/XXXX, stating that I had provided them with my personal information and that they would like to proceed with a personal loan application. Additionally, Mariner left me a voice mail today, XX/XX/XXXX, stating the same thing. I never contacted them or in any way provided them with my personal information pursuant to a loan. Following this phone call from Mariner, I returned the call and was directed to voice mail, where I left a message requesting them to cease and desist. It should be noted that I filed a XXXX XXXX bankruptcy in XXXXXXXX XXXX that included a loan from Mariner. The bankruptcy was discharged in XXXX of that year. Mariner is a predatory loan company that is harassing me.
09/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33579
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/25/2020 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
  • NJ
  • 07203
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29229
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
11/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 206XX
Web Servicemember
My wife and I received a two year, same as cash loan from Mariner Finance to purchase a new television from the XXXX XXXX XXXX. We were told that Mariner Finance was going green and all information about the account could be managed from their website, not giving us, the consumer, a chance to opt out of receiving a paper statement. After signing up for an online account I noticed the only information on my account was my previous payment and my next payment due. I had no way to see my account balance, payment history, payoff date, etc. I called Mariner Finance to ask where to find that information. I was told that they do not provide that information on their website and the only way to find this information is to call them directly.
06/08/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NC
  • 27302
Web Older American
I have had a car title loan with mariner finance for several years. I have noticed that for a least the last 10 payments that I have made to this company doesn't reflect in my payment history. I am absolutely sure that there are some bad apples running this company. I haven't been the best of paying my bill on some occasion because of sickness but when i have paid it doesn't show on my account. Iam at the point i am not going to make another payment until someone explains to me what is going on with my account. The vehicle in question is no longer running anyway an to have to make payments that are not trying to help me get through with this loan, someone needs to contact me an explain wats going on or else we will end up in court.
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
Mariner Finance illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. 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 Mariner Finance. 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
09/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OH
  • 45431
Web Servicemember
I got sick and been having trouble paying all my bills over the past two months. Mariner Finance has been calling and I finally called them to make payment arrangements they told me that I am two month behind ( {$95.00} x 2= {$190.00} ). And that they were going to a judgement and garnish My wages. I spoke to XXXX the manager of the XXXX Ohio branch office and agreed to allow me to catch up the two payments by XX/XX/XXXX. and no legal action would be sort. On XXXX XXXX, 2017 I received a certified letter indicating that I was being to. Court over the unpaid balance owed to Mariner Finance. This not in keeping with what I was told by XXXX. I think this a bit extreme and unfair since I will be current again in lest than two weeks.
04/08/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 34758
Web
In XXXX my identity was stolen when my vehicle was broken into and my wallet was stolen with my social security card, drivers license and bank cards. My identity was used to get a loan from a company call Mariner Finance /XXXX XXXX . I contact this company through writing, by phone calls and visit the location, I provide them with all information and documentations, they even compare my drivers license, signature, and social security card which did not match the ones that was use to get the loan. I went into the branch on XXXX/XXXX/XXXX to follow up with the investigation and they run my credit without my knowledge and still have n't done anything to resolve this situation. I did NOT apply for nor receive a loan from this company
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 775XX
Web
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
09/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • GA
  • 303XX
Web
This loan was opened XX/XX/2021 for {$5700.00}. I missed a payment by a day and then this company turned into spam calling company. Calling me late at night after XXXX and on the weekends. The calls got so bad I couldnt even conduct job interviews. I informed the company not to call me because their auto-dialer system seems to call me at all times of the day. I was told it would be removed. But the calls persist. Now I was served with papers setting that Mariner Finance is suing me for one missed payment. The Claim states on the court doc " The account opened on XX/XX/2021. The account is due XX/XX/2021. I will never do business with this company again. The company never tried to make any arrangements after the missed payment.
04/26/2020 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
  • FL
  • 33837
Web
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
12/31/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27292
Web
I contacted the the loan company, mariner finance in XXXX of 2015, and told them the reason why I was behind on XXXX payments was because I was having financial difficulty and that my wife and I are XXXX. I also told them that I would try and pay in XXXX. The woman I had spoke to on the phone said that if i was not going to pay that they would have to file a suit against me, after I had already told her that I would try and pay in XXXX. I then replied to her to do what she had to do, then she rudely hung up on me. since then there has been non stop phone calls by them trying to get a hold of me. They also had someone go to my house with an envelope saying please call us. In the envelope there was one of their cards.
01/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 152XX
Web
It has come to my attention that Mariner Finance has acquired and shared my information to other companies without my written permission. According to XXXX XXXX XXXX - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of XXXX XXXX XXXX ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy. Furthermore, this account is reporting negatively on my consumer report when it is paid in full. On my XXXX and XXXX is it reporting as a derogatory mark which isn't accurate and is hindering my consumer report.
02/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MO
  • 64804
Web
On or about XX/XX/18 I requested personal finance company XXXX mo to buy out another loan from another company I offered to put up ( 2 ) vehicles valued at over {$7500.00} for a {$5000.00} loan with collateral of these ( 2 ) vehicles their Area Manager only offered me {$1500.00} more and wanted both vehicles as collateral leading me to believe they should be investigated for shady business practices or deceptive loan practices every other loan company offered me the deal however I feel the Office Manager of XXXX has a personal vendetta against me my income wasnt an issue neither credit why are finance companies allowed to only offer {$2500.00} for {$7500.00} in collateral as a consumer I would ask for an answer?
04/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with fraud alerts or security freezes
  • TX
  • 77356
Web
I have been working with a loan company and the have approved me for {$3000.00}. I was planning in going into sign the documents today. I have a lead provided a copy of my drivers licence and a my companies name, address, tel number and my managers name. They are asking me to bring my social security card and provide 3 names and their contact info. It seems that because I have a non American accent that they are treating me very differently. They phoned me today XX/XX/2018 and told me I had red flags on my credit report. There is no red flags on my report. The loan companies request seem all unnecessary and extreme. I just want to be treated like everyone else that is getting ready to signs an agragrrement.
07/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • PA
  • 151XX
Web
Mariner Finance sent me a check that was automatically deposited. I did not agree to the usurious terms and Pennsylvania caps interest at 6 %. When I learned that Mariner was charging an outrageous amount of interest exceeding the lawful limit, of which I did not agree in writing, I attempted to pay the loan using a debit card. Mariner, to earn fees, makes customers break the payments into {$750.00} increments. Therefore, I agree to pay {$2.00} on the {$750.00} payment. However, Mariner refused to process the payment stating that I was " restricted '' from making payments. In other words, Mariner refused to accept the payment causing the loan to be late, adding more usurious interest that I did not agree to.
07/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 92264
Web
As I try to fix my credit I am approaching unpaid debts and paying settlements around 30-40 % of the original debt as my budget allows. I have closed out all my accounts this way except Mariner Finance. When I contacted them they were inflexible and vindictively started late fees on my account because I could not pay the full amount. Upon examination of there reputation I found they are considered a predatory lender by these XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of the firm that runs Mariner is a tax fraud and emblematic of their greed machine. XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount {$2600.00} -
12/06/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 706XX
Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. MARINER FINANCE , LLC Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$140.00} Date Opened : XX/XX/2017 Balance : {$3100.00} Terms : High Balance : {$2400.00} Limit : Past Due : {$3100.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
10/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Fraud or scam
  • VA
  • 23185
Web
Back in XXXX I have attempted to make online payments to mariner finance they had gone into a update fine. I later attempted to make my payment it didn't accept the payment there was a error on the page and said it couldn't process payment at this time I did send them a message notification about the issue with the site and nothing was done they called my work in a effort for what ever intimidating me. They call every day and now they sat I can't make a payment unless it's current which doesn't make sense. As you can see towards the end of XXXX it was trying to get me to skip payment but it wouldn't allow me to make a payment. And the attached screen shot of the communication today is unheard of.
07/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 30034
Web Older American, Servicemember
During the end of covis 19 pandemis.Struggling to maintain, out of work and credit score dropping.Recived a unsolicited laon check in the mail for XXXX from Marieiener FinanaceXXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXAlthough the origianl instrcution about the loan process were reported.Once the loan was deposit I never heard another word either written of by electronic for over a year.Almost a year to the date I recive a summons by the local Sheriff to a [ ppear in court for non payment of a loan..Along with every document that should have been recived prior to the first loan payment.there is no excuse for non payment other than my finanaical inability to pay, due to chronic unemployment.
08/06/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MO
  • 64030
Web
On XX/XX/2019 at exactly XXXX, I received a phone call from a Ms XXXX XXXX the phone number XXXX. This individual did not verify my identity in any way. I never during this phone call confirmed my name. However, after requesting to receive any communications via mail, this person started to threaten me with garnishment of my wages. I have requested any communications regarding the reason for thw call be sent via mail to the address the company had on file. I have requested this several times and still continue to receive harassing calls. When I requested a mailing address to make this request in writing, the caller " Ms XXXX '' continued to threaten me and would not provide a mailing address.
08/07/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32216
Web
SUNBELT CREDITXXXX XXXX XXXX, XXXXThis company provide me with the service of a personal loan I 'm purchased a couple of Insurances just in case to cover the loan is like life unemployment and etcetera I informed the financial situation about it me beign unemployed they will they said they will mail me the unemployment claim package they never did so they never submit that information to the insurance company for them to pay off the balance due to unemployment and since I pay for that insurance on the loan and I inform them but they never did anything about it I try to validate the account with them but the information that they send me does not meet the Federal Credit Reporting Act criteria
08/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • FL
  • 346XX
Web Older American
I have been a long-time client of Mariner Finance, and recently had to get an additional loan with my car as collateral along with personal items, and have always been up to date with my loan payments. This month due to medical issues and unexpected home repairs, I was several days late in mailing in my payment, so Mariner Finance called me 3 days in a row to harass me about my payment. I explained to them that I had already mailed in my check, and gave them the date, number of he check, and the amount. Told them I have no control over the mail, and there was no reason to call me 3 days in a row harassing me about my payment, since it was only several days late, not even a month.
12/21/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29212
Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
01/23/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77494
Web
I have been disputing this account with XXXX XXXX from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
03/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39157
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
01/15/2021 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
  • 20785
Web
I applied for a loan and was informed that only 1 credit check was needed. I consented to that, however it was ran on the XXXX as well as XXXX of XXXX. The assistant manager ( XXXX, MD Office ) told me it was not ran twice, even though there are clearly 2 inquiries on my report. I was on the phone informing her that it definitely was and stated the addresses reflecting on both inquiries. It was one from there corporate office and one from their XXXX, MD office. Equifax also confirmed it was ran on those 2 days as it is reflected on my report. I simply want the additional inquiry removed. There should only be one inquiry from this company, which would be th XXXX.
11/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Title loan
  • Vehicle was damaged or destroyed the vehicle
  • MD
  • 212XX
Web Servicemember
I was in a accident in my car XXXXXXXX XXXX my vehicle was then totaled out XX/XX/ by the insurance company. In which the money gained was used to pay of the loan fees and interest. since XXXX a mariner finance has not updated their reporting efforts as paint in full and good status. which has been a negative on my credit profile since XXXXXXXX XXXX XXXX. I SUBMITED my APPLICATION in XXXX XXXX the loan obligation that I held was not very long at all but yet they continue to report negatively on my consumer credit profile. I've asked all three credit reporting agencies to do and INVESTIGATION but they have yet to show me results or any information they attained.
10/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • OH
  • 44128
Web
On or about XX/XX/XXXX of 2021 I had given XXXX XXXX right to request for my credit report and score to qualify to finance 12 windows for my home and was approved that day. I never received a copy of that information required by the FCRA. ( Please review attached text message and photo copy of hard inquiry dated on XX/XX/2021 ) On XX/XX/2021 and XX/XX/2021 Mariner Finance also requested my credit report and score which is associated with XXXX XXXX regarding their loan approval for financing. ( Please review attached photo copy of the inquiry requested on two occasion with the Credit Bureau ) I also never received a copy of the information required by the FCRA.
11/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • UT
  • 84119
Web Servicemember
Mariner finance sent a live check of a loan amount of {$2500.00} to my personal postal mail. This check was subsequently stolen from my mailbox and cashed. I did not cash this check, nor did I ever have it in my possession. Now Mariner Finance has opened a loan account in my name for money that was stolen and used fraudulently. The check was in my mail on XX/XX/2019. I have the scanned image from USPS. I never saw this check in my mailbox or possession. This check was stolen from my mailbox and subsequently cashed XX/XX/2019 at XXXX XXXX XXXX in XXXX, UT. I do not know how this check was legally cashed without a fingerprint or two forms of identification.
08/06/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • TX
  • 78758
Web
Today I received a check from Mariner Finance in the mail for over {$2500.00}. I have never contacted this business or requested a loan from them. Included with the check was a letter explaining that depositing or cashing the check obligated me to a loan with an APR of 32.94 % The envelope was marked " Check Enclosed Open Immediately. '' In this era of rampant identity theft, any competent thief could have intercepted this letter and cashed the check as me, theoretically obligating me to pay. I am also extremely upset that this form of advertisement is used for high interest loans, obviously intended to prey on the desperate and vulnerable in our society.
08/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • 19131
Web
I contacted XXXX XXXX in XXXX stating I was having financial difficulties and asked if I had the insurance to cover payments. It was explained to me that I did not have the insurance. I asked what my options were. The only option was to have one payment deferred. I went to the location to sign papers to have my payment deferred. My paperwork for the deferment was misplaced and I kept receiving phone calls until the found the paperwork. I called in XXXX asking for another option. I was told there was no other option except to pay. This account is now four months behind. I would like for XXXX to work with me until I am able to start a regular paying job.
10/07/2015 Yes
  • Consumer Loan
  • Title loan
  • Payment to acct not credited
  • NC
  • 27406
Web
My husband and I obtained a loan from Mariner Finance in XX/XX/XXXX. We used the title of our XXXX Mercedes Benz as collateral. The loan was paid off in full on XXXX/XXXX/2015, by a check that was mailed. The check cleared on XX/XX/XXXX. When we contacted Mariner to ask about the return of our original car title we were told by the branch manager that the title would be mailed. We waited a week before calling back. At this time we were told the title was lost by them and they would get us a replacement. We have not received our title nor did we received a paid in full receipt from Mariner. I also spoke with the supervisor of the branch manager.
09/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37849
Web
I received a loan from marina finance when trying to finance furniture in 2019. I have been paying my bill online. I was told that they dont offer this type of loan so I refinance. Today I get a notification from XXXX that marina finance reported 30 days late in the months on XXXX XXXX XXXX and XXXX. But on my XXXX and XXXX Im not late at all.. im confused Im unaware of these late payments and can not understand why they are now showing on my credit report one year later and the account has been closed for 3 months. I have tried to get this resolved with the company I even have bank statements as proof that these payments were made on time.
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19120
Web Older American
I had home remodel. The Salesman visited me on XX/XX/23 and later that evening called to ask for income info. He applied for 2 loans in my name. I was denied and the other a finance company approved it. I never had any contact with either company. I did not ask or was told all he was doing. The finance company paid him {$25000.00} and I still do not know what he agreed to. I have a monthly bill of {$470.00} a month at 13.50 % interest. I see Realestate loan, I see Auto loan, I see secured loan. I don't know if it's fixed, variable or balloon. I have paid it twice and don't know what was on the application. I never saw and don't know.
07/19/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 28451
Web
Mariner FinanceXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XX/XX/2019 Called XXXX XXXX XXXX and was told by my office manager that this is a business and that I do not have a personal line and do not call here again. XX/XX/2019 Again they called XXXX XXXX and was told by a coworker who answered the phone not to call that XXXX is a business line not my personal phone number. XX/XX/2019 called XXXX XXXX XXXX and was again told that it is a business line and not to call here. I have changed all information with them to contact XXXX XXXX XXXX and they continue to call my place of employment and only my place of employment 's phone number.
07/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 61832
Web
I had contacted mariner finance about the account showing closed and collections account on my credit reports and they said its not closed but went to a collection status when i missed XXXX payment. And now its currant and have been paying them and still shows closed on my credit reports with no payment history showing. So every payment i make doesnt show. And its not a closed account its still active. And they refuse to fix it .ive contacted there corporate office and left messages and no phone calls back to let them know whats going on. I would like this fixed cause it has dropped my score and 2 other people on this loan as well..
11/14/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • PA
  • 17701
Web
In XXXX I received a letter in the mail stating that I received a special offer to apply for up to {$4000.00} and then I wouldn't have a payment on my loan until XXXX, so I applied with some upcoming medical bills I am anticipating, they denied the loan, then today, less than 2 weeks after they denied me they sent me a letter with the same wording except no payments until 2023! Stating up to {$10000.00} dollars. This is not an acceptable practice as they KNOW and I KNOW it is NOT something they can do and sending a letter KNOWING nothing is available is not an ethical or correct practice and is very distressing and harassing.
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 31906
Web
To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. The following account was a Charge-off. Balance should be 0. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. XXXX should be 0. XXXX Account Number : XXXX The Following Account Was A Charge-Of... * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX
04/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 190XX
Web
I was a victim of identity theft. In XX/XX/2017, Mariner Finance made a loan of greater than {$5000.00} in my name to a person who impersonated me. After I was notified that I had a delinquent account with Mariner Finance, I filed an affidavit with them explaining the situation ( with a police report ) and have been told for months that they are investigating the situation. However, they continue to tell the credit reporting companies that the loan is delinquent which is hurting my credit score. Every time I e-mail and call, they say it will be fixed shortly but it has not. It has been more than 6 months at this time.
12/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 286XX
Web
My account fell past due & went into collections ; however, I paid the account current and have continued making on-time payments since because I do still owe to payoff the loan. The payments are not late now, but I keep being told that until my account is paid off, then it will remain in collections even though Im current and paying. Ive contacted my local branch, filed a dispute on my credit with them, and also contacted their customer relations and got nowhere. I need help with this. I am trying to turn my credit report around and buy a home and this account shouldnt be in collections when Im paying and current.
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30046
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX Credit Bureaus lacks proper record keeping. Now, this account is reported to be late, yet it is closed and the balance is XXXX. Lets change this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.
06/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 322XX
Web
I am in the process of buying a home. In the process I learned that after settling my Mariner Finance account Mariner was still reporting unfavorable. I settled my Mariner Finance account via a collection agency. I received a letter from the agency stating it was settled as of XX/XX/XXXX. I reached out to the creditor ( Mariner ) on XX/XX/XXXX in effort to have them update the bureau. The young lady that I spoke with on XX/XX/XXXX advised that I dispute with the bureaus. I have disputed this twice last dispute request was in XX/XX/XXXX. Mariner updated with a balance and delinquency that has been settled.
03/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • KY
  • XXXXX
Web
On XX/XX/2019, I made future payment arrangements via the online account portal scheduled for XX/XX/2019. On XX/XX/2019, I received a text message inquiring about my payment, to which I responded that I had already made arrangements. On XX/XX/2019, I received an email later that day regarding the same payment. On XX/XX/2019, I received a letter in the mail regarding the same payment. Finally, on XX/XX/2019, I received another email regarding the same payment. I feel as if my rights have been violated, and feel as if I am being harassed by this company for a payment arrangement that has already been made.
04/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37128
Web
Within the last 6 months while using a debt relief program through clearing advantage, we came to a settlement agreement. While I upheld my end of the deal and paid them the amount we agreed upon they are still saying I owe them the remaining balance of the loan and reporting missed payments on my credit report. I have asked them to fix this and they have not responded to my emails. I have filed a dispute through experian and they told them the information they are reporting is accurate. This is dragging my credit score down and I do not know what to do. Anything you can do to help would be appreciated.
09/27/2016 Yes
  • Payday loan
  • Can't contact lender
  • FL
  • 32221
Web
On several occasions I have submitted certified letters to company Mariner Finance regarding incorrect information on my credit file. I called and spoke with a representative in XXXX and ask that they provide me with proof that this debt in question belongs to me. Representative stated original company went out of business and filed were lost in the process of being reassigned. I followed up by contacting the corporate office regarding this error and The company has failed to respond and provide proof ( signed contracts ) of said debt. This is incorrect info does NOT belong to me and is ruining my life!
06/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • PA
  • 152XX
Web
I am writing to complain about an insane marketing practice. I received a check in the mail from " Mariner 's Finance. '' It was a check for {$3500.00} made out to me that I could cash. It had a finance charge of {$1700.00} and I think 26 % interest. I was really upset that they could advertise like that, it seems incredibly predatory. It is an easy way for someone in a pinch to get money, but the terms are unbelievably horrendous. I do n't know whether this is legal but I hope it is n't and Mariner Bank is stopped. If it is legal I hope my outrage keeps others from falling for this predatory tactic.
11/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • OH
  • 45342
Web Servicemember
I have a personal loan with XXXX XXXX, which I am couple of months behind on right now. I am going through a financial hardship I already talked to them on the phone about a week ago and tried to workout some type of hardship payment plan, where I would pay the interest only on the payment. They said they do n't do that. I told them not to call my work, I ca n't take personal calls at work. Which XXXX from Mariner Finance from phone number XXXX called my work today ( XXXX/XXXX/2015 ) at XXXX am talked to my Manager to verify employment and asked for my company 's address to submit a wage garnishment.
09/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63108
Web
I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The Credit Bureaus have not complied with the Fair Credit Reporting Act Section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA, please remove the disputed accounts from my Cr edit report. XXXX XXXX XXXX XXXX XXXX : {$6100.00}
10/11/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07105
Web
Mariner Finance LLC was provided with Notice to Cease and Desist from contacting me via phone on two separate occasions. They were also instructed to correspond with me regarding all account information via regular mail at my current home address. They never did. On XX/XX/2019, Mr. XXXX XXXX XXXX provided my financial institution, XXXX XXXX with legal garnishment papers. It appears through illegal channels, documentation was filed with Superior Court of New Jersey, XXXX County, Special Civil Part without providing proper notice to me regarding the debt and providing opportunity to dispute same.
06/19/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28150
Web
Mariner Finance has reported to credit bureau that I owe a debt in the amount of {$2200.00} on an old account. However, I have never signed a contract, applied for or had any type of loans with the company Mariner. Previously I attempted to resolve this inaccurate and misrepresentation of my financial obligation with no success. XXXX XXXX XXXX has not been able to provide legal documentation holding me accountable for the debt reporting to my credit file. This false representation has put a burden on my credit worthiness and I am demanding that it be removed as it violates my consumer rights.
03/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22193
Web
I paid off a loan over four years ago with Mariner Finance. It recently showed up on my credit as a collection in XX/XX/2021. I contacted the company and they investigated and saw that I did in fact pay it off and said it wasn't processed correctly on their end and that they would take care of the matter. It is still showing on my report with a balance and a collections account negatively affecting me and am now unable to buy my house because of this. I would love to have this removed from a collections standpoint as this should have never been added to my report recently under a collections.
08/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27106
Web Servicemember
On XX/XX/XXXX, I took a personal loan to help my mother whom required XXXX hour care. Loan amount : XXXX. On XX/XX/XXXX my mother passed. On XX/XX/XXXX, I received unsolicited call from the loan company agents to borrow more money. I replied no. On XX/XX/XXXX, I received an alert stating that XXXX is increasing the balance amount by XXXX. No explanation, no justification. I reached out the same day to Mariner Finance. The person answering replied that they did not do so. Next, I reached to XXXX to ascertain the root. XXXX states that only the information reported by the lender is admitted.
01/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 281XX
Web
Mariner Finance XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX {$1300.00} I have been in contact with this agency several times, first class mail, certified mail, return receipts and still no response. I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MARINER FINANCE has never proved this debt belong to me legally.
08/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32940
Web Servicemember
Mariner Finance I opened a loan account number XXXX. I was serving XXXX XXXX and still when I opened this loan. I ended up having it sent to collections. I finally got financially back on my feet and ended up sending a final payment for the full amount. Upon verbal agreement of final payment I was told my account would be removed with all negative discrepancies. After they processed my payment I was sent a letter that the account would be removed from my credit report. This is still on my account and affecting me negatively because I cant use my VA Loan because of serious negative impacts.
05/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TN
  • 37931
Web
I called the company ( Mariner Fiance ) the moment I notice this account on my credit report. I first asked the company who were they and what is it that they do exactly, I was told that they do unsecured and secured loans. I then informed them that I noticed that there company has an activity on my account and I have never done business with them. I gave them my information and told them I was a victim of identity theft. I was then told by the company that they were going to look into what happened and remove the account. They never did. I have been disputing this account for a while now.
03/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 083XX
Web Servicemember
I have disputed this account with XXXX, XXXX, and XXXX respectively and each time the credit bureaus state that the information was verified by the credit grantor. However, there are a number of sections that are inaccurate/incomplete on my credit report. I sent a dispute letter to Mariner Finance along with copies of Mariner Finance tradeline from my XXXX, XXXX, and XXXX credit reports on XX/XX/XXXX. In the dispute letters I requested that Mariner Finance correct the errors as well as, provide the data that was missing. I received a blanket response from Mariner Finance on XX/XX/XXXX.
07/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 700XX
Web
I've been disputing my Mariner Fianance account with XXXX XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to Mariner Finance myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX XXXX, and Mariner Finance.
03/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 21122
Web
Mariner Finance reported my account as closed derogatory to the credit bureaus when my account is still in good standing. The also did this in XXXX XXXX. I did fall behind XX/XX/XXXX and XX/XX/XXXX, but made an agreement with the company to bring the account current which I did and have not been late since. They told me they do n't report to XXXX for months but they do. Now the company is saying XXXX wo n't change it on my credit report. I have been getting the run around since XX/XX/XXXX when I first called. Even their attorney is being difficult and not trying to resolve this issue.
09/29/2020 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • XXXXX
Web
Mariner Finance has been calling me at my place of employment every weekday since at least XX/XX/XXXX, trying to collect a debt. I had provided them with a number that they are to contact and today ( XX/XX/XXXX ), XXXX XXXX called and spoke with a fellow coworker asking to have me please call him regarding a personal matter. When I contacted XXXX he acknowledged that I had provided a number in my profile but said that he had been trying to call it and it was disconnected. After I gave it to him again, he asked me to hold and then came back on the line to tell me that it is working.
08/22/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21234
Web Older American
I owe Mariner Finance, I sent a payment in XX/XX/XXXX, they stae they never got. Now they want 2 pmts NOW. They call on a daily basis they call at work and are now calling my neighbors. I talked to them a couple weeks ago and told them when i get p [ aid i would send what i could. That was all fine and good but they never talked with me and dont know who called. I am tired of this everymonth. I try but we ran into some financial difficulty, and am trying to catch up but these people just keep hasseling thinking i will get paid faster that way, but i can only do what io can do.
03/23/2019 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
  • FL
  • 33063
Web
I sent the attached contract and bank check to Mariner Financial on XX/XX/XXXX and was signed for on XX/XX/XXXX. As seen on the attached contract and written on the check, if the check was cashed Mariner Financial would have 30 days to remove the trade line from my credit reports. As seen on the attached cancelled check, it was cashed on XX/XX/XXXX. As of today XX/XX/XXXX the trade line still remains on my credit reports. Mariner Financial has to remove the trade line from my credit reports immediately or I will bring a suit against Mariner Financial for Breach of Contract.
04/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 229XX
Web
n accordance with the Fair Credit Reporting XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C.1681 section 602 A.States that I have the right to privacy 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions. 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28314
Web Older American
I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from Mariner Finance , LLC in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last 4 of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.
04/04/2017 Yes
  • Bank account or service
  • Cashing a check without an account
  • Account opening, closing, or management
  • VA
  • 22405
Web Older American
By mail, I received an offer to cash a check for {$2500.00}. The check looks legitimate but I have no interest in dealing with a bank I never heard of, Mariner Finance. They included a phone number to call to opt out of further offers but when I call they ask for my social security number that I did not provide. I received this offer through the mail with my correct name and address. That 's what they should have asked for so I am a bit suspicious .I also do not like that they sent a check that looks like anyone could have cashed it if it was stolen out of my mailbox.
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
  • SC
  • 29229
Web Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
01/10/2017 Yes
  • Consumer Loan
  • Title loan
  • Payment to acct not credited
  • FL
  • 342XX
Web
I paid in full XXXX and they were to report, per the attached email. They did not report the entire month of XXXX and they have reported every month prior to XXXX. And they finally reported on XXXX and did not show the paid account. They are ignoring my emails and phone calls. Even the local branch can not get a call or email about why they are not reporting the account with XXXX balance and paid in full date. I was turned down for credit because of this very account. It is the only negative that would keep me from obtaining credit. I want it removed in its entirety.
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 370XX
Web Servicemember
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 15 USC 1681 Section 602 states that 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 states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
09/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 075XX
Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft MARINR FINC Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
09/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 554XX
Web
On XX/XX/XXXX, a settlement agreement was reached in the amount of {$5700.00}. The final payment for this agreement was made on XX/XX/XXXX. Starting in XXXX I started receiving phone about late payments-3 total when I returned the call they said it was in the hands of the attorneys and they couldnt talk to me but did say that my account wasnt settled and still had a large balance. The credit repair company attempted to get a statement to show account paid in full but they never responded and then XX/XX/XXXX they reported it as unpaid account to credit bureaus
09/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • TX
  • 78132
Web
I made on-time payments to XXXX XXXX XXXX XXXX checking account information as I have done for many years. Evidently there was some kind of error in their portal because even though my payments were made on time, they are stating there was a payment error. XXXX XXXX reported the payments as XX/XX/60 days late on my credit report even though I scheduled the payment to take place on time. XXXX XXXX has also restricted my payments to debit cards only. I don't have a debit card. If XXXX XXXX wants to be paid, they must reinstate payment from a checking account.
06/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • MD
  • 20706
Web
since XX/XX/2018, marinerfinance has put a lot of late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with marinerfinance on this manner since this was my first time making a late payment but no luck. I suggest a plan forgiveness where i will pay {$200.00} upfront but they never reply back to me. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.
03/19/2023 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Received a loan you didn't apply for
  • OH
  • 440XX
Web Servicemember
Mariner Finance did not verify the information, and I was a victim of identity theft. I have on multiple occasions tried to contact Mariner Finance Department to send me information about my alleged loan, but they have just returned a letter stating that it is my loan and I have to pay it. Not once have they verified or provided any applications or copies of a tile of the vehicle? I need them to send me an application with my signature and who got the check, and how that check was cashed. Otherwise, remove this loan from my name and my credit report.
04/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23223
Web
Personal Finance company was paid in full in XXXX of XXXX. At the time the account was closed they advised there would be no negative information reported. However, they reported Collections to XXXX in XXXX of XXXX. When I questioned them about this, they then reported it XXXX as being in Collections in XXXX and XXXX of XXXX, over two full years after it was paid. This account is not in collections and is being reported wrong on both XXXX and XXXX and, in fact, is being reportedly differently on each agency. Company refuses to correct the situation.
08/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • 19131
Web
On XX/XX/XXXX my bill was due for XXXX dollars I paid the one half and tried to settle a agreement promising to pay the other half plus the next month due with the lender on multiple occasions. And they would not assist me. I was severely impacted by Covid-19. After I explained to them I had a temporary loss of income due to employer cutting back hours and me XXXX XXXX XXXX XXXX XXXXXXXX they gave me this late payment. And now I can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
01/25/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85122
Web
On XX/XX/2021 my estranged husband opened a fraudulent line of credit with Mariners without my consent, without my knowledge and without my signature however he managed to open it only my name & social security number. I never received the proceeds/money from this loan and have never made a payment to the loan as it is fraudulent and not valid. I did fill out all fraud paperwork Mariners mailed to me and sent it back to them, they have still not taken this fraud issue seriously and continue to pursue me for money I never received or requested.
10/30/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 283XX
Web
Mariner Finance is relentlessly contacting me via phone calls.They call sometimes multiple times a day as often as 6 days a week. I have explained my financial situation to the company multiple times. I do not dispute the validity of the debt at all. However, being haraased continuously is not going to make me be able to pay them any faster without the funds to do so. I even attempted to block them from calling my cell phone. This was to no avail as they are still able to call from the blocked number repeatedly and leave repeated voicemails.
06/23/2021 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
  • Was not notified of investigation status or results
  • FL
  • 33312
Web
I reached out to the company via letter regarding this account reporting a balance and still open even though this account has been charged off. My letters were never responded back to, and l left me feeling like there was no hope in clearing up this error. This wrong reporting are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.
03/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 427XX
Web Servicemember
I have been battling identity theft since 2015. I have contacted XXXX more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places XXXX refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting Mariner Finance LLC on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!
07/05/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 14075
Web
I've been contacted on my work cell phone number 3-4 times over the previous 2 years by a company trying to collect a debt on my father ( who presumably used my phone number as a reference when applying for a loan ). I've instructed the caller in each instance to never contact my number again, and that they were illegally calling a work phone number. The last time they called was on XX/XX/2018. The company 's name is XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. The collector provided his name as XXXX XXXX.
12/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37042
Web Servicemember
I settled my charged off account in XX/XX/2019 with Personal/Mariner Finance. The balance on my credit reporting did not changed and still showed a owing balance of {$3800.00}. After filing a dispute with the credit bureaus the balance only decreased to {$1400.00}. This account was settled in full and Personal/Mariner Finance is inaccurately reporting the balance on my credit report and is violating the Federal Credit Reporting Act. I do not owe a balance to this company. The account should reflect a {$0.00} balance on my credit reports.
08/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32256
Web
I have a loan that is currently delinquent with Mariner Finance because I am currently on medical leave and my XXXX has not been approved yet. The debt collectors are calling me from their personal cell phones. Today I have received 2 phone calls from their personal cell phones and 4 calls from their office. 2 of the calls were within 1 hour. Mariner Finance is aware I am on medical leave and has harassed me every day more than one time a day with phone calls. I have been out of work for 2 months unpaid and my loan is 2 months behind.
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77584
Web
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, MARINER FINANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. MARINER FINANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
06/11/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • FL
  • 33702
Web
Today, XX/XX/18 my father was denied a loan for not speaking English. I simply told the company that I will be present to translate and that my father knows the basics but the contract I would be able to translate if he doesnt understand something. I was simply told that ot was not possible since I am not English speaker. The women simply just intorupted me and was very rude. I have never heard of such a thing before. I translate all the time and even have a business we run without English. I am just dissapointed and shocked!
09/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 75044
Web
This company has charge an exorbitant amount of fees double and triple the amount of interest on top of the loan also during the pandemic they had notify the credit bureau that my account was late and this account shouldve been protected by the pandemic they have reported late payments on my credit bill that needs to be fixed accordingly to a circumstance not controlled by me also those fees thats on top of the long thats double and triple need to be adjusted in go to the appropriate amount they are robbing me as a customer
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27107
Web Servicemember
I have letters to Mariner finance asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.
12/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WV
  • 254XX
Web Servicemember
I took out a personal loan in 2018. I didn't pay it off due to not being able to work for my health issues. It is being reported on my credit that I owe twice as much as the original loan. I reached out to the creditor and was told that my defaulted loan would continue to accrue interest until paid in full. They wouldn't allow me to make a payment because they said I would need to pay more than I could afford. This loan was for XXXX and I'm being told I owe almost XXXX and it goes up by XXXX a month on my credit report.
07/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08096
Web
My loan with Mariner Finance was paid in full on XX/XX/19. All 3 credit reporting agencies had my loan as paid in full on XX/XX/19. Then all of the sudden on XX/XX/19 my loan balance was put back onto my credit reports with XXXX and XXXX and XXXX negative comment added. How can Mariner Finance add my loan back onto my credit report when it is paid in full? My score dropped over 30 points on both credit reports. I need it fixed by XX/XX/19 so that I can buy a car!! I should not have to deal with all this stress!!!
06/16/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19149
Web Servicemember
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
08/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • GA
  • 30189
Web
The company has sued me but I dont have any paperwork and there is no collections. I am getting calls from attorneys telling me that they did this. I called the company and told them there was identity fraud in a business account. They did not want to work with me. They have left no messages on my voice mail and this isnt in collections. They are using unfair practices to collect debt. The last letter I have from them is in XXXX and its from Mariner. I called and the branch manager refused to help.
10/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • SC
  • 293XX
Web
I have a personal loan through mariner finance.. formerly XXXX in mt.airy, nc XXXX They have been calling XXXX times a day and even calling my work place and disclosing information to my supervisor which I feel is wrong because that 's my personal business and they are telling everyone they talk to the situation of my loan. I know i owe it but I have hit a hard place and got a little behind and called 4 times today ( XX/XX/2016 ) and threatening to take legal action against me for the payment being past due.
08/03/2023 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
Mariner Finance is reporting inaccurate information on XXXX and XXXX and XXXX. On XXXX they are reporting 2 late payments as of today. XX/XX/2023. On XXXX and XXXX, the Mariner finance account is reporting as pays as agreed with XXXX late payments as of XXXX XXXX XXXX. I tried to call them and talk to them about this but they are not allowed to talk to me anymore because I reported them to the nc doj. they should not be reporting different balances on different credit reports with different updated dates
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32244
Web
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. MARINR FINC XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
03/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TN
  • 37066
Web
I was late on my loan and was 30 days late 1 time and because they couldn't contact me on the phone they defaulted my loan to an attorneys office..The problem I have with that is I paid off my account once and renewed this loan and always have made my payments ... ..I tried to make a payment to bring this account up to date and they told me it was referred to an attorneys office for one 35 day late and they keep reporting negatively to my credit and they don't have my account nor do I have a court date
05/16/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 16506
Web
Although I have explained to XXXX XXXX that I do not have an account with Mariner Finance and s he should stop contacting me and is harassing me, she has failed to furnish me with proof of an account as required by law, conducted XXXX credit inquires of my credit report u nlawfully without my authorization, and continued to call me at least 23 times each one unlawful. XXXX XXXX works fo r Mariner Finance , XXXX XXXX XXXX XXXX XXXX , XXXX PA XXXX , ( XXXX ) XXXX .
04/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46060
Web
Account name 1 -MARINER FINANCE 2XXXX XXXX 3 - XXXX XXXX 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.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60620
Web
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
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
  • CA
  • 93307
Web
Since approximately of XXXX of XXXX I noticed a fraudulent loan on my credit report. I reached out to mariner finance on various occasions and explained that I was a victim of identity theft and the account that was opened with them was fraudulent. I was told that it would get removed for they had realized that it in fact not me that opened this account. Nothing has been done about it. There were also hard inquiries by this company that were also supposed to be removed and it has not happened.
04/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • 186XX
Web
XX/XX/2016 due to an accident and getting my car after repairs. I borrowed XXXX from Mariner finance. In XX/XX/XXXX my marriage ended.I contacted mariner to try to make arrangements to pay smaller payments, all they would do is another loan. I didn't know what to do so I accepted the loan. After having problems paying contacted mariner. They were not willing to work with me, yelled, harrassed, threatened me. They would not accept money I tried to pay them. Now trying to take my unpaid for car.
09/03/2023 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
  • PA
  • XXXXX
Web
Mariner finance. Reporting I owe over XXXX XXXX. They first said I owed XXXX. Now it has doubled and is destroying my credit rating and my life. I never applied for a loan. This company sent me a check. I assumed it was for a refund I was owed due to a financial settlement from a class action suit. I never read the fine print, nor did I ever apply for a loan. I want the original amount added to my report. This is the only black mark on my credit. The XXXX is unreachable. Help me settle this.
02/19/2022 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
  • MO
  • 64014
Web
XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account MARINERFIN. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the parties.
10/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21403
Web
I have a charge off account with Mariner Finance That's has been paid and settled. This is still showing up as a charge off on my credit. Can you please remove this from my credit. I have received a 1099C. In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.
11/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33417
Web
Beginning in XXXX, XX/XX/2018I requested evidence that this was my debt which is showing on my credit report from XXXX XXXX ( see attach letter. ) I never received any proof that this debt belongs to me ( like signed loan agreement or pay history ) but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
12/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33860
Web
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
01/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 604XX
Web
I have contacted Mainer Finance several times via phone and sent in multiple disputes. Mainer finance failed to respond via phone or via mail. they have 2 line of credit on my credit report. they have that I opened a pay day loan on XX/XX/2018 for {$950.00} and XX/XX/2018 for XXXX this is incorrect and only opened 1 line of credit not 2. All 3 balances are in correct as well and all 3 reporting agncies should not have 3 different balances. this account has many inconsistences
11/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 90008
Web
I did not apply for this loan, but the company, Mariner Finance, sent out " live '' check, that went cashed would be acceptance of the loan. I need cashed a check, but someone did. When I found out about this, I informed Mariner Finance. I filled out a police report and they were to investigate. But they put this on my credit with delinquent payments and now my credit score has went down. They were suppose to take this off my credit while they investigate, but they haven't.
01/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • NC
  • 27107
Web
On XX/XX/XXXX I contacted the local branch of XXXX XXXX to obtain the XXXX day payoff about. On XX/XX/XXXX the branch received a check for the total of the XXXX day payoff and applied it to my account. When I checked my online account it still showed a balance of {$800.00}. I have contacted the local branch XXXX times and left a message for the branch manager to contacted me about this balance. I am unable to get a call back or to speak with anyone directly when I call.
05/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19023
Web
I have received a copy of my credit report and it shows company MARINER FINANCE account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
06/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 63116
Web Older American
The company sent a check in the mail to my home for around XXXX dollars. Easy monthly payments. But the interest was put on upfront. It was very confusing to me, balance now is over XXXX dollars. I suffered a XXXX so not able to work, self employed. I got in contact with a debt relief firm, But no final decisions at this time. I have been called numerous times a day from personal finance co. Even after telling them I was in debt relief and giving them the info. Thank you!
07/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AL
  • 35244
Web
Due to the struggling economy, I've hit a stomp in paying my loan. This company calls me two or three times a day and they call my references and from what they tell me it sounds like a harassment call. I'm wanting to file a Cease and Desist against Mariner Finance. I want them to understand that I will pay monthly payment when I can. I will not be able to pay it on the XXXX of each month and don't need them to call me on a daily basis and harass me on making a payment.
08/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 23185
Web Servicemember
Rather then accepting payment through their online portal they would rather call I am not willing to give my personal information over the phone that the company should have in tge firt place. They said once you fall behind on payment that they shut It out and it was in my documents which it isn't and they still continued to send me emails saying how easy it was and to make a payment online which they locked me out of so they can litigate then arbitrate the matter.
04/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IN
  • 471XX
Web
When trying to make monthly payments through the Mariner online portal the amount the system would allow you to pay was frozen which forced us to mail in payments through our online banking app. The payments were collected and the company still turned the account over for collections, followed by a lawsuit on the promissory note. This happened each month on the online application. The company would not allow you to just make XXXX payment if XXXX payments were due.
10/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 379XX
Web
I opened a loan Personal Finance, which is owned by Mariner Finance onXX/XX/XXXX, No bank or credit Union would cash the check so I went back the next day on XX/XX/XXXX returned their check and contract, they voided loan and gave me hand receipt. I received a bill from them yesterday stating that my payment was coming due on XX/XX/XXXX7. I also checked my credit and see that they have me having an open loan with XXXX amd XXXX, which means my loan was never voided.
02/08/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NC
  • 27607
Web
This company called XXXX and stated that I owed {$830.00} on a loan from Mariner Finance. XXXX XXXX was rude and disrespectful and stated they were going to sue me and garnish my wages. I was told previously by Mariner that the account was paid off. I called Mariner back and they stated the dealership paid off my entire account except {$91.00} dollars. I called back XXXX and the guy would n't listen to what I said. Spoke nasty to me and called me an ignorant XXXX
01/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32701
Web
Mariner Finance is showing a collection debt of {$720.00} which is for an original creditor of Regency Finance Company. The original debt was covered by insurance and is no longer owed due to insurance claim filed because of permanent XXXX. Paperwork showing evidence of permanent XXXX has been provided to Regency Finance/Mariner Finance on numerous occasions and Regency Finance/Mariner Finance has advised that this account is closed and debt is no longer owed.
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • XXXXX
Web
Six months ago, I noticed Mariner Finance on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by Mariner Finance and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called Mariner Finance and was told the loan was too old and they could not access any information on it.
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • XXXXX
Web
Six months ago, I noticed Mariner Finance on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by Mariner Finance and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called Mariner Finance and was told the loan was too old and they could not access any information on it.
04/14/2017 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32221
Web
Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1
02/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29687
Web Older American, Servicemember
On XX/XX/XXXX XXXX I went to Marina Finance XXXX XXXX XXXX XXXX XXXX SC .I showed my DL and SScard i told them that I didn't have an account and they are reporting to XXXX .that I have I asked to have it removed and they told me that it could not be removed although they admitted it was not my account .when I asked why the woman got really nasty with me with a real attitude. All that I wanted was an account that is not mine removed from my credit report
05/04/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 95603
Web Older American
Mariner Finance wont stop! Ive explained the problem, a financial hardship prevents me from paying. I have answered some calls, I tell them I intend to pay, I cant give them a date, no I do not want another loan, etc. I have asked them not to call me ( three times or more per day, every single day ) because nothing is going to change tomorrow or the next day. It doesnt stop. Ive told them they are harassing me by continuing to call me. It doesnt stop.
12/30/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33810
Web
You can look at my credit where this same company for one keeps running my credit without my permission. It originally was mariner finance and they sold it to another company. Now on XX/XX/XXXX they ran my credit for no reason at all. I am not the main person on this account and it is deleted off of my credit. They told me they are allowed to keep hitting my credit but it is against the law. They are also doing the same thing with my husbands credit.
05/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 37066
Web
I missed a payment and got 30 days past due. I Had paid off a previous loan with them so I always paid but honestly fell a little behind during the holiday but communicated this with them ... so they defaulted on my loan and is seeking a judgement and I have tried to settle this debt with them and they will not budge ... .i know other people in that office were way more delinquent but they didn't default on them ... Nor will they return phone calls.
03/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • MD
  • 21202
Web
these debts were paid off in full and still put on my credit report anyway. ( XXXX /Mariner Finance. XXXX was given my visa card # to take the money directly from my checking acct. the XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called XXXX told them what I had done and why.
12/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33409
Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Mariner Finance have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
09/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92264
Web
Mariner Finance agreed to a reduced settlement amount after a prior CFPB complaint. I payed them the amount to close the account but they are still reporting a balance as well as having put a late charge on my account, when the account was already listed a " charge off ''. These vindictive moves have negatively affected my credit when my good faith attempt to pay off and close this account was a move to improve my credit and close out what I owe.
04/26/2019 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
  • Was not notified of investigation status or results
  • TX
  • 75217
Web
I have currently set this file in debt settlement company. They stated that they didn't deal with the companies and making harassing phone calls. On today XX/XX/2019 they pulled my credit report without my permission to do so. A hard inquiry is now on my report due to an act that this company put on my report today that wasn't authorize by me at all. I don't know why they would pull my report without my permission. This is not acceptable at all.
09/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30305
Web
I am victim of identity theft and someone used my personal information to open this fraudulent account in my name without my consent. I did not benefit from any goods or services of this fraudulent account. I am requesting for Mariner Finance to delete and remove this fraudulent account to remove and delete this fraudulent account from all three major credit reporting agencies. I have attached a copy of my police report to this correspondence.
05/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • IL
  • 624XX
Web
Hello, Today around XXXX I returned a call to Mariner Finance about my loan. I explained I am only working part time right now and asked for a forbearance or payment modification. XXXX informed me that I wasn't able to do any of those things, she would call next week to see if I can make the payment. She also informed me that I could take a loan out to cover the payment and that it would show on my credit report as being behind on my payments.
04/07/2020 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
  • TX
  • 75061
Web
Mariner Finance is calling me during the COVID 19 National Emergency and threatening to file a lawsuit against me if I don't make a payment. I haven't been able to work in 3 weeks and let them know that. Mariner is hard pressing me to get the money from family, friends and even go out and get a job somewhere else during a time when nobody is hiring. They are causing me immediate and ongoing stress. They call all the time and threaten me.
04/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • VA
  • 22485
Web
XX/XX/XXXX call in to mariner finance of va XXXX and give my checking account to make payment forXX/XX/XXXX, Allso someone said you can refinance just come in to XXXX XXXX XXXX XXXX VA, and sign and you can miss 3 payment, But l refuse to sign, l was told it will cost me {$2000.00} more to refinance, Mariner refuse my payment forXX/XX/XXXX and XX/XX/XXXX, Mariner finance file Civil claim XX/XX/XXXX, because l refuse to refinace my loan of XXXX
06/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08003
Web
There are 2 collection accounts for Mariners on my credit report these items have been paid in full and did not go.into collections. The balance even shows " XXXX '' I have disputed these items several times with w/XXXX and they have declined to have them removed. They should confirm thisningotmation with Mariner Finance as they show paid as well and in fact I have a new loan with them for {$3000.00}. These negative items need to be removed
03/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • FL
  • 34219
Web Servicemember
I obtained a loan in XX/XX/2021 with Mariner Finance in XXXX, Fl for XXXX account with 21.49 % APR, monthly payment of {$370.00}. At this point I have been paying almost two years, never late and I still owe them {$8600.00}! Ive called on multiple occasions to clarify this, as 21.49 percent annually seems more 50 %. I cant get out of this debt no mattter how early I paid them, or extra money Ive sent to apply to my principal. Please help!
06/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MD
  • 212XX
Web
Mariner Finance sent me a check for the amount of XXXX so I deposited it in my account. I accepted the loan and made payments, but I had no idea that interest was applied to the loan every day, I thought the interest was per year. I recently made a payment of XXXX $ out of which XXXX $ went to a late fee and XXXX $ was applied to interest. This should not be allowed to happen, this is predatory lending at its extreme and should be reported.
07/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • XXXXX
Web
This company is listed on my credit report as closed with a balnce of $ XXXXwith XXXX XXXX XXXX XXXX and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30291
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 any purpose. XXXX
01/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77406
Web
Mariner Finance issued unsolicited personal loan check in the amount of {$2500.00} dated XX/XX/2019. Check was mailed to my current address but intercepted by unknown party who then forged and cashed the check. I did not receive proceeds from check and Mariner Finance is now contacting me regarding installments due on loan. Police report has been filed with my county sheriff 's office and with Mariner Finance to dispute loan/debt owed.
07/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • VA
  • 23453
Web
Having been dealing Mariner Finance for the last 5 months. I was told back in XX/XX/XXXX if I made my payments on time and stayed current they would dismiss the judgment against me. Well now I got paperwork stating the judgement was finalized on the XX/XX/XXXX. I still have the letter from the Vice President of the company stating such. I want the judgement removed and the account status to reflect that in my credit report and my sons!
03/12/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28277
Web
Starting in XXXX, I reviewed my credit report and noticed Mariner Finance reporting inaccurate information. I have sent a letter to them on the dates of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. By law, Credit Reporting Agencies and Creditors are to respond within 30 days. I havent received any feedback pertaining to Mariner finance. This is a serious matter due to the fact that the inaccurate reporting is hindering my financial journey.
08/11/2023 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
  • TX
  • 761XX
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 372XX
Web
XXXX n 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.
06/08/2022 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
  • TN
  • 37167
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 and purpose.
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23669
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 any purpose.
11/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • SC
  • 296XX
Web
We have had several calls for repayment. We ha ve stated that we do not have the money at this time and will not have it anytime soon. The lady from Mariner finance XXXX phone number XXXX XXXX XXXX called my husband and threatened to have our wages garnished if payment wasn't recieved today XX/XX/XXXX. She was very rude and unprofessional. She stated she wasnt worried about the collateral but would get her money one way or another.
04/13/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • 378XX
Web
This account was opened originally in 2014 with an ex wife who used my sole information. The company prior to Mariner finance buying them out was Pioneer Credit. This account has haunted my credit for well over the 7 year mark with countless threats about legal action and or jail time. I was never aware of the loan in hand and have attempted to settle this multiple times. Please delete from my credit report, XXXX, XXXX and XXXX.
03/20/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • DE
  • 199XX
Web Servicemember
Obtained a boat loan from XXXX. During the course of the loan, Mariner Finance bought the loan. Paid off the loan in full over a year ago. Mariner finance refuses to give us the title to the boat and claims that XXXX never gave it to them. We are owed the title upon payment. I am XXXX military and I am unable to do anything with the boat ( to include sell or move it ) without the title. This has been ongoing for more than a year.
01/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30030
Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AZ
  • 85023
Web
On XX/XX/18 I contacted Mariner Finance in writing due to the incorrect item that is being reported on my credit report. I formally disputed the item in which they are reporting due to the wrong amount owed, and I do not recall getting a loan with this particular creditor. However, I did not receive a response to my dispute ; nor was my credit file updated to reveal and indicate that I disputed the item that is being reported.
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23860
Web
I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.
07/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33634
Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
10/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30041
Web Servicemember
Tried to make online payments. I entered the correct banking information twice. There system keeps changing the last 4 digits of my bank account number so the payment never processes. This is a website, system error or representative at the local branch changing my account information. Which now they have removed the ability to for me to make online payments. I do not have the ability to go to there local branch.
10/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32218
Web
I had a situation where a tree fell on my house it was paid by the insurance all of the debt and they are still saying that I owe XXXX when I do n't owe anything this was a year ago I have contacted them recently because no one reached out o me and told me that I had a balance when it was told to me that it would be paid in full by the insurance. Even when I called them to confirm because they where saying it would n't be.
12/14/2017 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
  • 28105
Web
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on google website.
02/23/2021 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
There is a company called Mariner Finance and I never took an account out or I never applied and it's on my account fraudulently also XXXX XXXX XXXX XXXX as well and something called XXXX XXXX XXXX XXXX XXXX they also have my information and I never heard of these places. I have a credit freeze on my credit reports for 7 years. I never took these accounts out at all. I am a victim of identity theft, for over 10 years.
03/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29229
Web
I filed a investigation with XXXX, XXXX, and XXXX about my account with XXXX XXXX account ending in XXXX. As well as Mariners Finance, LLC. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. How can it be a charge off account and report with a balance.
03/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • LA
  • 713XX
Web
In accordance with the fair credit Reporting act Mariner Financial, has violated my rights, 15 USC 1681 Section 602 States I have the rights 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 consent. 15 USC 1666B : A creditor may not treat payments on a credit card account under an open end consumer credit plan as late for purpose.
04/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NC
  • 28546
Web Servicemember
Spoke with Mariner Financial to help lower the APR to help lower the monthly payment. In returned to pay off more to the principle but they said their APR is based on how much we request. The lower amount we request the higher the APR but even asking for a higher amount not guaranteed a lower APR. the lowest they provide is 18 %. This is not only wrong but unfair to the concurrent with a fair to great credit score.
05/10/2018 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
  • SC
  • 29229
Web Servicemember
Mariner financial, did a hard inquiry on my XXXX credit report on XX/XX/2018 after I spoke with an agent and advised them that I did not want to refinance, because they would run a credit check and my husband and I are in the process of purchasing a new home and I received notification that there was a hard inquiry from Mariner Financial on XX/XX/2018. I have reached out to the credit bureau to have them remove it.
10/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30305
Web
I am a victim of identity theft and someone used my personal information to obtain these fraudulent accounts in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts. I am requesting for these fraudulent accounts to be removed and deleted immediately or legal actions will be taken. I have included my police report and FTC Identity Theft report to this correspondence.
08/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NC
  • 286XX
Web
XX/XX/2023. This morning a guy named XXXX called me a few minutes after XXXX and then turned around and called house phone. I called him back and tried to explain, yes I'm having trouble paying the bill and he said that he was going to call me everyday or every other day to check about my payment. I feel harassed and stressed because how am I supposed to be able to make the payment if all the time he's calling me.
07/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TX
  • 751XX
Web
On XX/XX/2023 Mariner Finance knowingly and intentionally provided my personal information to a third party whom I have no personal or professional relation with. I have attempted to contact the office branch, nobody answers the phone. I have spoken with Mariner Finance customer relations specialist who told me this was inappropriate and to expect a call back from the XXXX in an hour. I have not been contacted.
12/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39501
Web
i sent a claim on XX/XX/XXXX concerning mariner finance about my account from XXXX XXXX showing that is was 30 days late.my account has never been late and im asking them to correct the mistake that damaging my credit report. my usps delivery conformation is XXXX XXXX XXXX XXXX XXXX and i understand that they have 30 days to respond from the date that they sign for it to comply before its a violation of the law.
09/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 600XX
Web
I have attempted to contact mariner finance several times since XX/XX/2021 but have never revived call back or response back from after sending multiple letter. I attempted to contact XXXX & XXXX several times since XXXX via phone & via letter but no response as well. XXXX was not able to verify account and deleted charge off from my credit file. Since they deleted this account should b deleted from XXXX & XXXX
10/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 086XX
Web
They lied about speaking with me and put lies into my " file '' stating i oked things i never did or stating they spoke to me and never did. They charged me additional " interest '' on the already high interest that i paid. i sent my payments to the address that was given on the payment coupons and apparently the computers do n't link together because every month they would call harassing me about being late.
11/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 77429
Web
Mariner finance sent me an unsolicited check in the mail. The terms were if you pay off within. 15 days there will be no interest. A manager told me I had 10 days, I paid off the loan in person with a cashier 's check. Now they are saying they never got the money and are reporting that I owe them along with interest. Mariner finance also entered a hard inquiry on my credit report as if I applied for a loan
03/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32763
Web Servicemember
Mariner finance is not honoring the terms of the contract set in place for the purchase of a reverse osmosis system for our home. The cost of the system was {$3500.00}, mariner finance charged us 16.9 % interest rateAnd now is asking for the full XXXX term interest at the 12 month pay off. I feel they are manipulating the contract to line their pockets further as I have paid them in full within a 12 month.
11/10/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27530
Web
MARINER FINANCE , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been closed since XXXX and the company keeps reselling to someone else to put it back on my credit.
05/19/2021 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
  • NY
  • 13905
Web
I have a company ( Mariner Finance ) that is continually doing hard credit inquiries with out permission every month. I received a loan from the over 2 years ago and acct has been closed but they continues to do inquiries every month, and that is showing on my credit report. I spoke to XXXX rep and was adv to file a complaint because other than the one time I have never given them permission again.
09/24/2015 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 33414
Web
I keep getting harassed by a company called Sunbelt Credit ( XXXX ) for debt that I have absolutely NO affiliation with whatsoever. On numerous occasions, I have spoken with the Manager who states that he is removing my number ( XXXX XXXX # XXXX ) but never does as the calls persist. They have no right to continue to bombard me with an issue to which I have absolutely nothing to do with whatsoever!
01/19/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 33860
Web
Pursuant to 15 usc 1692 C ( 2 ) I am invoking my specified remedy as a consumer and the original creditor I am demanding all accounts be removed from third party agencies because I have a right to privacy the agreement was between XXXX parties not any of the agencies that have my personal information on a website this is my right given by fair credit act PLEASE REMOVE FROM ALL AGENCIES IMMEDIATELY
05/09/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 79938
Web
Hello, I owe a debt and I went to a debt settlement company ( XXXX XXXX ) to settle my debt. I have repeatedly asked Mariner Finance to stop calling me at work because I will lose my job. I asked them to call the debt settlement company to rectify the debt. They told me that I had to have XXXX XXXX call them. All I want is for the phone calls to my work to stop before I get fired. Please help.
05/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • VA
  • 22485
Web Servicemember
mariner finance of VA, LLC Keep me coming back to court claim I old payments, trying to get a judgment, I went to court on XXXX XX/XX/XXXX Mariner claimed l old money, my payment is do no XX/XX/XXXX XXXX all my payment are up to date, mariner finance have ME coming back to court on XX/XX/XXXX, out of retaliation I BECAUSE WILL not refinance my loan, I WILL NOT GIVE MY NEW BANKING INFORMATION,
12/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 609XX
Web
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
07/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70785
Web
I am signed up with clear one advantage, which I updated my phone number to that company so the creditors can call them and not me. But I have two companies that keep call me on my cell phone, my work, my husbands work and now someone showed up at my house. The companies are Mariner Finance and XXXX XXXX XXXX, can you please have them stop calling me and have them contract Clear XXXX XXXX?
06/24/2021 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • VA
  • 24501
Web
I enrolled in a debt consolidation program and one of the creditors i added to the program keeps calling my cell phone and my work phone. I have not been available when they have called at work but they have left messages and today they said that a warrant in debt has been issued for me. I have mailed a stop payment letter and the debt consolidation company has been in contact with them
08/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60431
Web
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me.
09/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • LA
  • 712XX
Web
Mariner Finance have been reporting late payments and ruining my credit score. I've tried speaking to them several times about this issue and no one will talk to me about this account. One representative actually informed me that there's no account listed in my name. This has been going on since 2013 and I want to be compensated for this company ruining my credit score over six years.
07/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 616XX
Web
I've tried several times to get information to verify this debt. I have been getting the run around for almost a year about this debt. They have responded with templates from their company not actually acknowledging my concerns. I am displeased with how I am being treated and according to the FCRA you have to send me information verifying this debt. Please delete this from my report.
03/18/2022 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
  • VA
  • 22901
Web
I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE XXXX WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A FTC REPORT ALONG WITH MY DRIVERS LISENSE AND THE THREE COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES XXXX IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.
07/03/2019 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
  • NJ
  • 080XX
Web Servicemember
On XX/XX/2019, Mariner 's Finance Bank made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.
01/04/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IN
  • XXXXX
Web
I recently reviewed my credit report and noticed that Personal Finance Company is now renewed and is reporting that I owe them {$3700.00} as of XX/XX/2017.. on a debt that was discharged through my bankruptcy. They are not acknowledging any bankruptcy and it is as if the debt has been renewed. Previous reports this item was removed from my credit report and this one just showed up.
12/28/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • NV
  • 89117
Web
Mariner Finance has repeated called me, several times in one day after leaving a message. Additionally, they left a voice mail asking if I made my payment ( on my voice mail ), one representive threatened to sue me, another representive hung up on me in mid conversation, and called me before XXXX several times ( continued to call after I told them I was on PST time zone not EST ).
07/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 90048
Web
Applied for Mariner Finance Loan on XX/XX/21 did not hear anything until today XX/XX/21 saying it was denied but was a soft inquiry so it would not affect my credit. Sure enough this company lied and they did a hard inquiry on my credit on XX/XX/21. Not only are they lying to customers, but this company is also not responding to my questions and refuse to tell me why I was denied
10/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76208
Web
I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS MARINER FINANCE ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.
10/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 310XX
Web
On XXXX XXXX XXXX, the branch manager of Mariner Finance called me inquiring about a suspicious check deposited on XX/XX/2022 allegedly by myself. I have no knowledge about the deposited check or the account that was automatically created by the deposit check. Apparently, my information has been stolen and used fraudulently to create this account. I have not been burglarized.
05/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46256
Web
I filed for XXXX XXXX bankruptcy in XX/XX/XXXX. By bankruptcy was discharged XX/XX/XXXX on a 100 % repayment. I have a creditor, Mariner Finance, that reported my account as severely delinquent during my bankruptcy period. This creditor was included in my plan however the credit bureaus indicated that the creditor provided sufficient documentation to support their actions.
01/16/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33617
Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
06/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37931
Web
I informed the company that I did not apply for a loan of no sort and that I am a victim of identity theft. The company then assume that I gave permission over the phone for a nephew to cash a check or get the loan in my name. First of all, I am not going to give anyone permission to use my credit being a victim of identity theft and over the phone id definitely insane.
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43612
Web
I sent a XXXX letter it is similar to a debt verification asking to validate the legitimacy of a balance due, which is your right under the Fair Debt Collection Practices Act. must remove the accounts listed below. This account wasn't properly investigated Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account this is an invalid account
09/08/2021 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
  • NM
  • 883XX
Web
I received a text message alerting me that someone had checked my credit report on XXXX. I signed in and saw that Mariner finance had checked my credit. I did not authorize this and I have not applied for credit with anyone recently. I called the company and stayed on hold forever as well as left several messages to be called back. I filed a dispute with XXXX on this.
12/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33021
Web
I have already contacted Mariner Finance about this fraudulent inquiry. I have recorded phone conversation promising that the fraudulent inquiry would be removed. They still haven't removed the inquiry. I was recommended to place a security/fraud alert on my credit file which I have already done. Mariner Finance must remove this inquiry because I didn't authorize it.
03/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web
MARINER FINANCE XXXX {$2100.00} I submitted a police report showing that the account did not belong to me. They removed the account from my credit report and in return sold my information without my permission to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, removed it and submitted it to another collection agency that they own and the process starts all over again.
05/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34684
Web
Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to Mariner Finance.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by Mariner to Colection agency called XXXX XXXX XXXX
05/31/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30318
Web
SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.
03/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33411
Web
On XX/XX/XXXX I was checking my credit report and noticed that a hard inquiry was made by XXXX XXXX on XX/XX/XXXX. I did not give them permission to run a inquiry on my credit report any time in XXXX. I took out a loan with them on XX/XX/XXXX that's the only time they had permission to run my credit. I have not giving them permission to run my credit again.
03/24/2017 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77084
Web
They call my cell phone from different numbers throughout the day everyday and my work phone. I had a message at work to call the guy from the actual company which tells my coworker where the call is from. Just today a girl called me from a cell phone and when I answered and realized who it was from I hung up. She called me back to back at least five times.
04/26/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to turn you in to immigration or deport you
  • TX
  • XXXXX
Web
I took a loan from mariner finance and hit hard times. I paid off 70 % of the loan but when I missed a payment they took an aggressive tactic toward me, threatening me, leaving hundreds of calls, and threatening to get me and my XXXX XXXX if I didn't pay them immediately. They also wrongly and falsely reported to my credit report that I was delinquent
12/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29745
Web
The company Mariner finance suddenly appeared on my credit report a few years ago. Ive been reaching out to the repeatedly and disputing through the credit bureaus over the years. I have never had a loan with them. I asked for proof of the debt and they were refusing to budge on that as well! Ive tried many times to get it removed from my credit file.
12/31/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08234
Web
MARINER FINANCE ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX, MD XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$5200.00}. THE CHARGE OFF HAS BEEN REPORTED CLOSED, WITH A PAST DUE BALANCE. I DO NOT OWE THIS DEBT. I HAVE NEVER OWED ANY OUTSTANDING DEBT WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE FOR THIS DEBT.
07/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60123
Web
I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!
09/16/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened
03/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 23831
Web
Mariner Finance continues to report that I have a delinquent/past due balance with them. I am no longer legally required to pay Mariner Finance anything nor do I have a past due balance. I have disputed this on seven occasions with the credit bureau and have contacted Mariner Finance directly. I have yet to receive a response from Mariner Finance.
04/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MD
  • 21217
Web Older American
I received a check in the mail for {$1200.00} i was unemployed and had filed for disability..the loan i could not repay not enough income. I was taken to court and a judgement was entered. Years later i find out they put a lien on my sisters property where i live. Upon request of the payoff amount they denied information due to corporate policy.
04/05/2017 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • NC
  • 27406
Web
There is a loan on my credit for an account that I do n't own. I have asked the company several times over the past 5-6 months to remove it from my credit and they have n't. I 've sent in several documents including a police report I filed stating and proving this account is n't mine. This should be illegal for them to do this to my credit.
07/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IN
  • 46254
Web Servicemember
I have had a loan with Mariners Finance and the percentage rate is over 20 %. my payment is XXXX I've been making payments i even tried to roll it into a debt consolidation but they said they would take legal action. I told them I was protected under the SCRA and they said it doesn't appley to them. Opened On XX/XX/2022 APR 29.90 %
02/02/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • VA
  • 232XX
Web
The Mariner Finance agent called me, an existing customer, and offered an additional loan amount ( in addition to the approx. {$2700.00} I currently owe ). I do not feel that the agent properly disclosed all appropriate information related to : ( 1 ) the hard hit on my credit report, and ( 2 ) the very high interest rate on the loan.
05/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19023
Web
I have reviewed a copy of my credit report and I show company MARINERFIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
04/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14094
Web
We looked at my XXXX account and found that someone using my name and social security number had taken out a loan through Mariner Finance around XX/XX/20 or XXXX of this year in the amount of {$3100.00}. I called Mariner Finance, XXXX to alert them of fraud and connected me to the fraud department. They asked me to fill this out.
10/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 20878
Web
On XX/XX/2018, Mariner Finance initiated a " hard '' pull of my credit history ( on XXXX ) without my verbal or written consent. I was notified of this via a credit monitoring service. I'm currently behind on payments with Mariner Finance and have initiated a complaint regarding their aggressive and bullying collections efforts.
02/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60707
Web
Re : Personal Finance Company I'm currently having hardship and I can not make regular payments for this creditor. I requested not to be contact at work. Person from this company has been harassing me at work, I'm not allowed to take personal phone calls at work. I requested this person not to call me at work and he still does.
02/23/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • XXXXX
Web Servicemember
Mariner Fiance Has Called Multiple Times A Day Demandinf Debt Collection Threating A Lawsuit And Threatened Seizing My Property. CALLING EX WIFE, FIANCE AND EVEN CALLING FROM THEIR PERSONAL PHONES, they refused to provide correct interest rate and the original paperwork doesn't match and they refuse to provide proper paperwork
12/04/2017 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
  • TX
  • 78704
Web
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. I have attached letters from other creditors showing their investigation results.
11/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60431
Web
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
04/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33811
Web
I am requesting the removal of this debt collection. I have never done business with this company. I take my credit very serious. I have asked for information to be proved for me for account. I have n't receive anything. I do n't think it fair they will rather report inaccurate information and not verify the information.
11/12/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 32205
Web
Per previous cases Mariner financial agree to send me the insurance forme and stated once they received the form they will updated the credit files and removed the negative information. And they have n't I request this information to be removed permanently from my credit file as I have complain with Mariner Financial.
06/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 32221
Web
I'm being harassed with calls everyday on my cell phone which I didn't give them consent to call. In addition, a rude person is calling when I advised the company that I'm experiencing some financial difficulties and I will make a payment when I'm able to. Due to the frequent calls I'm now experiencing XXXX and XXXX.
04/15/2020 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
  • KY
  • 402XX
Web Servicemember
Over a year ago I filed a complaint on this site with Mariner Finance. The dispute number is XXXX. They responded saying they would remove the late marks from my report ( attached their response ) They have yet to do so. They are still calling me to do additional business with me, but I do not trust this creditor.
03/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60609
Web
I ran my credit, and I notice I had a fraudulent discrepancies from a company named Mariner Finance on XX/XX/22, that I did not consent to, and have no knowledge of this account. I am a victim of fraud, and this is fraudulent activity on my credit file. I am being violated of my rights under the Fair Credit Act.
01/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19141
Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed a charge off account posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 and IRS PUBLICATION.
07/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • AL
  • 35160
Web
Mariner Finance I have called and explained I don't have the funds and that I was going through XXXX XXXX the manager got on the phone and said well unless they pay us off we don't do that and we have to do something about this account.. I explained I have a child with XXXX I don't have anything right now..
01/21/2016 Yes
  • Consumer Loan
  • Title loan
  • Can't stop charges to bank account
  • MD
  • 20774
Web
Mariner Finance garnished my wages without properly notifying me. XXXX XXXX XXXX and XXXX XXXX XXXX located in XXXX notified me that a Garnishment was placed on my account XXXX XXXX, 2016. I did not receive anything in writing stating they were attempting a Garnishment. I feel this is very unfair and unjust.
01/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 42701
Web Servicemember
I opened a account with Personal Finance in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted personal finance company on XX/XX/XXXX they stated it would be removed from my XX/XX/XXXXand XX/XX/XXXXbureaus but it has not yet been deleted.
07/30/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 32211
Web
Company agree to remove negative information from Credit files once they receive the unemployment claim insurance form that they sent to me and and I return back to then in a timely manner and they got paid by insurance for it and left the negative Information in my credit files breaking the promises.
10/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 272XX
Web
This company calls me numerous times a day ( at least XXXX ) ..they have also called my work XXXX times daily, they have been told several times not to call me at work because im not able to receive personal calls, and they continue to call. If I do not answer they start calling from a blocked number.
07/07/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 185XX
Web
On the photo attached this bank has three different dates when things were reported or discontinued with this car loan its been almost XXXX XXXX years that Ive tried multiple times and they did sell it to the collections agency but this one is still showing on my credit report, it needs to be removed
01/15/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 63033
Web
I told them that I don't have the money right now. I would be able to pay on this bill next month. They said NO, and that I needed to make a payment now. I owed some where around XXXX. My payments are XXXX monthly. They call 5 days a week sometimes I answer and tell them the same thing over and over.
12/21/2022 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
  • 37076
Web
I here by Opt-out of Marine Finance sharing my nonpublic private consumer financial information with any third party non affiliates. Continued reporting will be a violation of Regulation P of the Code of Federal Regulation. This is a Notice Of My Intent To Sue for a violation of my consumer rights.
06/27/2019 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
  • CA
  • 919XX
Web Servicemember
I had never heard of Mariner Finance before today when I received a mailing from them stating my " application '' had been denied, and including much incorrect information ... I absolutely never applied for anything from these people, they fraudulently accessed my credit and it needs to be fixed ...
07/25/2017 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
  • GA
  • 30013
Web
XXXX XXXX 2017, an unknow n hard inquiry pull was made in my credit report. To my knowledge I did NOT give written consent or approval for this hard pull to be made. In requesting I 'm asking to see a VALID signature made from myself personally giving consent for this company to run my credit.
12/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 07302
Web
I called today because I received a letter about my loan. She asked me when I could make a payment I stated on the XXXX. She asked how many I stated one. She then stated then I'll contact the lawyers They had previously used a lawyer to get a payment by way of a lawsuit. I was shocked by her threat
04/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 78728
Web
This company has run my credit XXXX in XXXX month without my consent. These have hit my credit report as hard inquiries. The first XXXX was XX/XX/XXXX and the second XX/XX/XXXX. I do have a loan with them that I have not been able to make my monthly payments due to XXXX affecting me financially.
01/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 186XX
Web
Loan was for {$2500.00} balance is showing {$4200.00} because they included all the interest i would pay for the term of the loan. Furthermore, it makes it look as though i have more credit than i truly do. I contacted XXXX and they claimed this is how they report. I question if its even legal??
08/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 08854
Web
When I make additional payment on top of the normal payment I request that the additional payment is to be applied to principle balance but they do not. They put the additional payment towards future monthly payment not due yet so that they continue to charge interest on a incorrect balance.
06/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 22206
Web
My personal loan account with Mariner Finance was paid-in-full with good standing on XX/XX/2023, but Mariner Finance reported otherwise to all three credit reporting bureaus ( XXXX, XXXX, and XXXX ). The balance is showing as {$1200.00} when it should appear as XXXX and as a closed account.
06/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60643
Web
I currently have a medical debt I wasnt suppose to be charged for and never got any mail or notification of an auto withdrawal of it. Its from Mariner Finance and should be a paid as agreed and closed account. Since its paid medical debt I would like it off of all three credit reports ASAP.
08/11/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web
An account was opened with Mariner Finance as a result of identity theft. In addition, I have contacted Mariner Finance and provided a police report, identity theft complaint, and an affidavit provided by Mariner Finance and have not received any updates as to the deletion of this account.
10/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70601
Web Servicemember
Hurricane Laura I lost everything requested property claim to be informed that I did not have credit property insurance which I requested. This is hitting my credit monthly. I am unemployed and have no income at this time. I was not I formed that I did not have credit property insurance.
12/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • FL
  • 33325
Web
Mariner finance keeps calling my job and telling my employees they are going to repossess a car that is n't under my name. I call them back to inform that they have to stop. Along my job and giving my personal information out. The guy answered back that if I wanted to play games I could.
09/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 751XX
Web
I had my identity stolen, this account was opened fraudulently. I have never lived at address on file. I have lived at the same address almost 40 years. I have supplied the company a FTC report and police report and they have not taken account off credit report like they said they would
04/02/2021 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
  • IL
  • 60636
Web
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX XXXX - XXXX, XX/XX/XXXX - CBNA, XX/XX/XXXX - MARINER FINANCE, XX/XX/XXXX XXXX
04/04/2022 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
  • 19141
Web
Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized XXXX inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit
10/12/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court
06/25/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • MS
  • 387XX
Web
It 's on my credit twice and it showed it was transferred/sold to another company caller Mariner fiance. Monthly payment are XXXX dollars a month. I should n't have 3 on my credit and would like them to be removed as iam not working. And I believe it 's to old to still be on my credit!
04/23/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60426
Web
I called XXXX XXXX in XX/XX/XXXX and ask for pay to delete my account. And they told me that they would delete the account after it was settled. They never deleted the account off my credit files. They just updated it as paid. I pay this debt on XX/XX/XXXX for the amount of {$860.00}.
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08094
Web
The company, Mariner Finance placed a derogatory report on my credit report. The company reported to XXXX that my account was late for payment and shows as a charge off on my credit report with XXXX The account for Mariner was discharged in Chapter XXXX Bankruptcy in XXXX of 2020.
01/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 441XX
Web
Account was charged off. The date of last payment was XX/XX/2013. Balance keeps growing which is illegal if its charged off. Shows high balance of {$2000.00} but reporting balance of {$4600.00}. Also the loan type on credit report is incorrect. Showing secured when it was personal.
07/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 79605
Web
Mariner Finance , LLC is reporting fraud account a charge off account on my credit report in the amount of {$1700.00} and account ending in XXXX. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately.
01/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 60622
Web
On XX/XX/XXXX a representative from Personal Finance Company called me from XXXX, MD. She called threatening that they are going to garnish my wages. This has caused me a lot of stress. She called again on XX/XX/XXXX. I feel like I am being harassed and bullied by this company.
10/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08857
Web
Couple month ago i get this loan and it was paid and still is under payment on good standing.The company Mariner Finance they report wrong information 's such is collection this account and they dint want to fix the problem even the loan is still underpayment and good standing
11/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • NY
  • 13045
Web
Mariner Finance LLC sold my auto loan to another lender in XX/XX/2018. It is now XX/XX/2018 and I still have not been notified that my loan was sold or who it was sold to. I learned about it being sold by my credit report. They are still holding a lien on the vehicle as well.
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46563
Web Older American
They keep running credit reports ( inquiries ) on my credit report which i did not authorize XXXX i called them to file a complaint but they kept transferring me to different people and the last one did not answer by making all these inquiries they are ruining my credit score
03/29/2018 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
  • Was not notified of investigation status or results
  • PA
  • 19320
Web
I paid in full on two accounts and they are affecting my credit score. I want them taken off so I can buy my house. It's been on there for a long time seeing how I paid them. They are Mariner Finance and XXXX XXXX XXXX XXXX. I want them taken off my credit score now.
02/17/2022 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
  • 30328
Web
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX fXXXX XXXX XXXX ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.
04/12/2022 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
  • TX
  • 75044
Web
Upon receiving my credit report in the mail Mariner Finance , LLC has done an inquiry on me without my consent. Their address is XXXX XXXX XXXX XXXX XXXX, Md XXXX. Date of inquiry was XX/XX/2022 Please have this inquiry removed. Thanks in advance for your help.
07/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23224
Web
A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX Mariner Finance. Llc on XX/XX/XXXX Mariner Finance on XX/XX/XXXX XXXX Card service on XX/XX/XXXX
06/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32246
Web Servicemember
Mariner Finance is double reporting and I would like them to update the balance to XXXX since they sold the account to another debtor who is also reporting the same debt which is a violation of the Fair Credit Reporting Act. The unpaid balance is {$5800.00}.
01/24/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 604XX
Web
I have mariner fianc company which use to personal finance company instalment loan which went to collections. but they are still reporting it and are reporting the balances in correctly. there should not be 3 different balances on 3 different credit reports
07/19/2022 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
  • FL
  • 32218
Web
There are several inquiries on my credit account that should not be there. I have already contacted the bank and other financial institutions regarding the hard pulls. I will like these removed asap. These hard inquiries are affecting me in many ways.
07/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 38116
Web
I called and requested and settlement amount of {$650.00} which was accepted. I paid the amount and was given a receipt and was told it would be taken care of. They did not XXXX the balance out as I was told but have a balance reporting of {$420.00}
04/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 243XX
Web Servicemember
XXXX, XXXX, XXXX, and XXXX payments were late due to XXXX pandemic and job loss. After asking what could be done to adjust payment, make exceptions, or offer assistance, the company offered deferment however, late payments would still be reflected.
08/30/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34601
Web
MARINER FINACE IS REPORT TO MY CREDIT REPORT A ACCOUNT THAT DID NOT OPEN. I HAVE ASK TIME AFTER TIME TO VALIDATE THIS ACCOUNT. THIS ACCOUNT NEED TO BE REMOVED FROM ALL CREDIT BUREAUS AS THEY CAN NOT PROVIDE ME WITH ANY SIGN DOCUMENTION THAT I SIGN.
11/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MD
  • 20744
Web
I have personal information that is apart of identity theft on my credit report. I also have accounts that are not mine due to identity theft. Several disputes and attempts have been made to get wrongfully information removed from credit report.
09/30/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NJ
  • 07050
Web
XXXX from Mariner Finance ( XXXX ) XXXX called me at my place of business at XXXX XXXX EST on XX/XX/19 after I asked them to stop calling me at my work number and they said in a prior call that they would remove the number from their records.
05/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • WI
  • XXXXX
Web
Mariner Finance LLC violated our contract as well as the XXXX XXXX XXXX XXXX by giving my personal information to a 3rd party company in which I had no dealings with nor a contract with, in which I believe that could lead to identity theft.
10/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34982
Web
I have called MAriner and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, XXXX and XXXX.
01/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 604XX
Web
Personal Finance is reporting an inquire on XXXX credit report but has been removed from XXXX and XXXX. I sent the company a dispute letter several times with no response on the issues that they are reporting not on all 3 credit reports.
01/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 44128
Web
I was told by the company manager that my payment history that is reflecting interest fees is their process. However, the loan that I apply for does not have interest fees until 18 months that was associated through the company XXXX XXXX.
09/11/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Was approved for a loan, but didn't receive money
  • NC
  • 278XX
Web
I applied for a personal loan, and was initially approved for {$2000.00}, but the lending requirements and documentation process and the ignorance of Business Management by the manager on duty and the vice president, forfeited the loan!
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92311
Web
I have contacted all XXXX credit bureau about this problem I told them I never opened this account and they keep sending it back as and not taking it seriously the account is closed and I ask for poof 3 times these is not my account.
11/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33311
Web
I reported it fraud to XXXX and XXXX and dispute it with them they did not give me legally investigation on the debt to be mine. They came by saying it was accurate in 24hour not right by Law. It is a a charge off. and written off.
09/18/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 183XX
Web
Repeated phone calls at my place of business after telling XXXX of mariner finance in XXXX to stop calling at my place of business and that it jeopardizes my employment. As well as stating that he would take me to court and sue me.
09/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 226XX
Web
Mariner Finance refuses to correct their consumer credit reporting. I have tried several times to resolve with them directly but have not received any follow up about their actions and have not seen a change in my credit reports.
06/09/2020 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
  • 30519
Web
My credit was ran twice by the company Mariner Finance without my consent on XX/XX/2019 and again on XX/XX/2019. I had an account with this company so they had no reason to run my credit again without asking me with is illegal.
06/10/2020 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
  • 216XX
Web
XXXX XXXX and Mariner finance are reporting on XXXX. These accounts are old and need to be removed. Last pay for XXXX XXXX was XX/XX/XXXX and XX/XX/XXXX for Mariner Finance. Time elapsed and should be removed from credit bureau.
07/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27560
Web
An account with Mariner Finance shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to Mariner with no response.
09/30/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 178XX
Web Servicemember
Mariner Finance in XXXX PA keeps calling and threatening me to take me to court. I've asked on several occasions to have my payment date moved to after the third of the month so I can pay on-time with my Social Security check.
05/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 32225
Web
This is my second complaint. I was told I would only be contacted and yet my family and friends have continued to receive harassing calls. At this point I will be contacting an attorney in regards to privacy and harassment.
03/31/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19464
Web
I found out my wife 's company is going to layoff workers. My wife is the most recent employee to join the company. I asked my loan institution ( Mariner Financial ) for deferment of term loan. They denied my my request.
03/31/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 93065
Web
On XX/XX/2019, i received a letter from Mariner Finance ( letter attached ) which stated I was declined credit due to my XXXX credit report. However, i did not submit a request for a loan/line of credit to Mariner Finance.
08/07/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 44107
Web
I am currently being Garnished for a loan i have from Mariner Finance. I received a current Affidavit Of Balance Due. The current balance due does not reflect the balance that I paid prior to the Garnishment of {$3400.00}
06/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46268
Web
Bill was due XXXX XXXX. Calls were made 3 times including a call to my office of employment. Because the statement gives multiple date payment options, I should not be called until the XXXX option timeframe has expired.
04/29/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 21133
Web
On XXXX XXXX , XXXX , Representative XXXX , called me 9 times on my phone and then called my employment. I contacted the representative and he threatened to garnish my wages. He was rude and very unprofessional.
07/31/2019 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
  • 20720
Web
Unauthorized credit inquiry by Mariner Finance on XX/XX/2019 Unauthorized credit inquiry by Mariner Finance in XX/XX/2019 I have no business with the above company and have not tried obtaining any loans or so lately
09/16/2020 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
  • TN
  • 380XX
Web
There's an inquiry on my credit report from Mariner Finance that I did not authorize. I have reached out to Mariner Finance several times to resolve the issue and get the inquiry removed but they will not respond.
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • XXXXX
Web
MARINER FINANCE LLC has been in violation of the FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against MARINER FINANCE LLC.
02/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • VA
  • 22314
Web
I was trying to a person loan and have applied for a pre-qualifed loan which doesn't effect on my credit score. However, " Mariner Finance '' has asked my information without consent and notification to customer.
07/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • MD
  • 21403
Web
I had took out a loan with XXXX XXXX. I had payed off the loan amount. This company will not send my my final payoff letter or documentation. I was this resolved and also do not understand how they can do this.
04/11/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • PA
  • 152XX
Web
In regards to Collections Efforts, Mariner Finance continues to call my parents residence although they have been informed numerous times that is not my phone number and that they are not to call that number.
04/02/2022 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 34482
Web
The title loan is paid off. I had asked for the legal title document to be returned to me. I expected it would be. Its been over a month. I'm still waiting for it. I have written and called with no response
10/21/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 38401
Web
Mariner finance continues to harass me with phone calls at home and work even though I have been to there place of business 2 times and asked they STOP calling me. This is Mariner Finance in XXXX Tennessee
01/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19116
Web
i was reviewing my credit report and i realize i have those accounts ( MARINER FINANCE ) AMOUNT OF {$1800.00}, ( XXXX XXXX XXXX XXXX, i need an investigation to these accounts that it don't belong to me.
03/05/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19380
Web
Has harrassed me multiple times, even went as far as to pretend they made a lawsuit and judgment on me to attend court, then continue to say they will sue me for debt and that it will hurt my credit.
08/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30101
Web
This company placed an inquiry on my equifax report twice without my consent, while this inquiry was removed from XXXX due to fraudulently using my information such as social security number.
05/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33604
Web
Mariners Finance is reporting XXXX negative account to the credit bureau for XXXX loan and the balance being reported is not accurate. Account # XXXX Account # XXXX Account # XXXX
01/29/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IL
  • 604XX
Web
XXXX XXXX was approved online for a loans for {$4000.00} I never went in to sign anything everything was online now they saying I owe {$5300.00}. They charged outrageous interest and fees
07/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TX
  • 754XX
Web Servicemember
I keep receiving calls at my work and I have repeatedly told them to NOT call me at my work phone. I work in an XXXX and we can not have personal phone calls I can lose my job for that!
11/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33813
Web
There is an item listed on my credit file that is unknown. I have tried to request validation and dispute this item and have received nothing. I 'm in need of some help from your agency.
06/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 210XX
Web
These companies were pursued in my name without my consent, and they are now on my report as a result of identity theft, I have contacted creditors and bureaus and received no resolve..
01/15/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NC
  • 28803
Web
Mariner Finance is showing up on my credit report. I have never had a loan with them or any letters, phone calls etc. Now they are on my credit report and the debt is over 7 years old.
01/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 34953
Web Older American
First, the company changed it's name and reporting my account beyond the 7 years. Second, have several accounts with remarks as closed unauthorized. Duplicate accounts reported.
08/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76543
Web Servicemember
I HAVE NEVER HAD AN ACCOUNT WITH MARINER FINANCE FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
08/05/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OH
  • 45251
Web
I paid off the loan in XXXX 2016, loan was report on my credit bureaus as closed with a balance. I contacted the company directly and was told that is how they report the loans.
09/18/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with additional add-on products or services
  • AL
  • 35405
Web Older American
This is a charge off-write off account that is what's on the credit report. It keeps going up. the write off was in 2018 and this charge off account has double in the amount.
04/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 467XX
Web
The company has been notified this was ID theft, and proper documentation has been sent to both the company and all three credit bureaus and will not do anything about this.
03/29/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • SC
  • 295XX
Web
Upon reviewing my XXXX Credit Report, I came across an account for an unsecured loan, I do not recognize from XXXX/XXXX/2009. It states paid with a XXXX balance and current.
01/08/2022 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
  • TX
  • 761XX
Web
Each month Mariner Finance does a hard pull on my credit. I have given them no authorization to do this and each month they continue to do a hard pull lowering my score.
01/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 071XX
Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
02/03/2022 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
  • VA
  • 231XX
Web
on XX/XX/2021, Mariner Finance, ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
09/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 473XX
Web
Perosnal Finance and their parent company refuse to help me. I need my credit report to be accurate and they have reported a new open account and I dont have one!
10/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 402XX
Web
THIS IS NOT MY DEBT! i have attempted to contact and dispute for years with no response from the company. i have asked for verification with no proof sent to me.
07/17/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 148XX
Web Servicemember
I asked on XX/XX/18 why this company called my dad no reason. Then I asked to stop being contacted during my working hours 8-4 and they said they can not do that
04/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91601
Web
XXXXXXXX XXXX,2021 ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken
07/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60426
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
01/26/2022 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
  • GA
  • 30013
Web
Mariner Finance appeared on my consumer report without my consent, in which I have no account with them. So they are bring down my XXXX score because of it.
03/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • OH
  • XXXXX
Web Servicemember
Rude staff who talk to you like your 5 years old when returning phone calls. Wont help with website issues when website tells you to call your local office.
07/07/2021 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
  • 30309
Web
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
05/28/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 18102
Web
I couldnt pay the loan and the car was a lemon, now theyre just doing hard inquiries on my credit without my consent. Mariner finance located in XXXX pa.
03/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 173XX
Web
Negative information is showing on my credit report when the account is not even under my name. The name on the account doesn't match my name. Is not mine
03/24/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • PA
  • 179XX
Web
I have repeatedly asked them not to contact me at work. Yet they continue to harass me while I 'm working as a XXXX, putting my job and XXXX in jeopardy.
07/20/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30067
Web
I contacted this company on numerous occasions to verify this debt but no response. This is defamation of character with no verified proof of this debt.
08/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • KY
  • 421XX
Web Servicemember
i had a loan with personal finance back in XX/XX/2018, also at the time, i was going through a divorce, and a struggling with finance for 6 months time.
03/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 152XX
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.
01/29/2018 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
  • Was not notified of investigation status or results
  • GA
  • XXXXX
Web
Mariner Finance constantly running HARD INQUIRIES on purpose. I have an exiting account with them and the representative calls every day for payment.
07/09/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MS
  • 38637
Web
Account reported closed and still being charged monthly to my credit report. A recent report of a increase in {$79.00} was reported on XXXX/XXXX/22.
04/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75204
Web
I filed a dispute in regards to inaccurate items on my credit report. It's been well over 30 days and I haven't received any investigation results.
11/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 430XX
Web Older American, Servicemember
I have made four payments totaling almost {$600.00} and my loan went down {$59.00} I never was told that I would be paying all my interest upfront
05/06/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 312XX
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any results.
08/18/2019 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
  • PA
  • 15241
Web
Mariner finance letter admits paid offchange rating on credit report..state due to my husband illness and death this was caused delayed payment
12/15/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 62002
Web
I paid this debt off. They have it listed on my credit report several times that is causing my credit to approve worse then what it really is.
04/14/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • VA
  • 23451
Web Servicemember
Levied my bank account twice without notice and put me behind on mortgage car payment and other bills put me out of work and way off track
07/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • NY
  • 148XX
Web Servicemember
The loan company will only accept that we reapply for the loan or their lawyer will garnish our wages or place a lien on our house or car.
08/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 32904
Web
Non stop this company is harassing myself, XXXX XXXX. They call while im at work and say i owe a debt and dont even know who they are!
01/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19130
Web
Mariner finance needs to remove this damaging information on all three credit reports or ill sue them! I'm trying to get a mortgage.
12/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 28546
Web
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.
05/23/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34952
Web
This creditor/collection agency is reporting a fraudulent account to the consumer reporting agencies on my consumer credit report.
04/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 310XX
Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
04/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 310XX
Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
10/28/2018 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
  • TN
  • 37086
Web Servicemember
I dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.
11/02/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23455
Web Older American
I am part of a XXXX consolidation program. And this debt keeps calling my house and my references I had on the loan application.
08/22/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 397XX
Web Servicemember
Mariner finance has being reporting an account on my credit file as a charge off and I have been disputing this issue for years.
10/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 070XX
Web
XXXX was taken XXXX company has not respond for reporting two different accounts one paid and one I never had with them.
04/03/2019 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
  • NY
  • 10306
Web
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company
11/10/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 322XX
Web
This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files
10/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29063
Web
Called the company and sad they no longer had it. Disputed it with the credit collector and credit bureau as well.
04/17/2020 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
  • FL
  • 33313
Web
I sent the dispute through XXXX XXXX XXXX to be removed due to the seven year limitation and received no response.
04/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27405
Web
XX/XX/XXXX, amount {$4100.00}, this is not my account, it was deleted XX/XX/XXXX now it's back on my credit report
11/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28273
Web
It looks like my credit file was breach or identity theft or both during the time frame of. XX/XX/2018 to present
03/21/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 365XX
Web
I received written papers from the department XXXX XXXX asking for for collection on a loan I know nothing about
07/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07747
Web
Account was paid off and closed but they put it as didn't pay loan and put charge off/closed on credit report
08/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30097
Web
I am a victim of Identity Theft. I am requesting that companies remove and block these fraudulent accounts.
04/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Shopping for a loan or lease
  • FL
  • 32117
Web
I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX/XX/XXXX
11/03/2017 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
  • PA
  • 17403
Web
There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.
10/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • XXXXX
Web
On XX/XX/2019 and XX/XX/2019 My credit report was obtained, ( 2 hard inquires ) without my consent.
04/23/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32117
Web
Mariner finance XX/XX/2011 {$2000.00} I am a victim of identity theft account was unauthorized.
12/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07306
Web
XXXX XXXX is reporting a hard inquiry on my credit reports I never applied for a loan with them
02/10/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 316XX
Web
i ran into financial problems the account was charged off the company continue to add interest
06/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60628
Web
this account was charged off and sold therefore it should be removed off my credit report
11/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • TX
  • 75160
Web
XXXX XXXX/Mariner Finance calls my work number twice a day and leaves me 2 messages.
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60615
Web Older American
Since XXXX XXXX XXXX marrian fiance have reported late reports even after i paid.
04/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20785
Web
My inquiry was supposed to be removed within 60 days yet it is still reflecting.
11/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33563
Web
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77084
Web
loan is closed on credit report i never received a dollar from the creditor
11/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21237
Web Servicemember
They told me if I pay off the loan they will delete all the late payments
08/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19348
Web
The account is showing as charged off even though it has been paid off.
09/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19130
Web
report correct balances on credit reports should be all at {$1700.00}!
01/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77340
Web
Constantly being harassed by employees about a loan that is not mine!
07/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20705
Web
UNAUTHORIZED CREDIT REPORTING NO ACCOUNT TO VALIDATE THE INFORMATION
07/01/2019 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
  • 77019
Web
I do not recognize authorizing a credit inquiry from this company
08/28/2022 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
  • DE
  • 19709
Web
XXXX account closed paid as agreed. sold to collections agency
09/04/2021 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
  • NJ
  • 086XX
Web
My credit has been pulled fraudulently. Please remove inquiry
03/03/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60612
Web
See both attached documents which explain entire complaint
10/18/2019 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
  • 27893
Web Servicemember
Mariner Finance used ( hard credit ) without my permission
07/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02140
Web
getting calls from XXXX asking to pay tax from DC office
03/21/2018 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
  • DE
  • 19709
Web
I did not request or give any information towards me.
10/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33056
Web
Remove all fraudulent accounts immediately!!
03/13/2020 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
  • AL
  • 352XX
Web
Fraudulent account and have not been removed
10/31/2022 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
  • 190XX
Web
To remove Unauthorized information
02/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27217
Web
I am an identity theft victim
04/20/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • XXXXX
Web
could n't pay its charged off
02/08/2024 Yes
  • Debt or credit management
  • Debt settlement
  • Didn't provide services promised
  • PA
  • 18512
Web
02/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08028
Phone
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30294
Web
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19131
Web
01/26/2024 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
  • IL
  • 62801
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
  • IL
  • 60563
Web
01/23/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78247
Web
01/22/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77044
Web
01/22/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19320
Web
01/22/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32043
Web Servicemember
01/19/2024 Yes
  • Debt collection
  • Auto debt
  • Electronic communications
  • You told them to stop contacting you, but they keep trying
  • AL
  • 35111
Web
01/18/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • NC
  • XXXXX
Web
01/17/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21216
Web
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 150XX
Web
01/14/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92585
Web
01/13/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21207
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75007
Web
01/10/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • FL
  • 342XX
Web
01/08/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30815
Web
01/08/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • PA
  • 18042
Web
01/08/2024 No
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20817
Web
01/08/2024 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
  • 43062
Web
01/06/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77007
Web
01/06/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45251
Web
01/04/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Earned wage access
  • Confusing or misleading advertising or marketing
  • NC
  • 287XX
Web
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33841
Web
01/02/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 31520
Web Older American
12/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • NY
  • 122XX
Web
12/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • NC
  • 27455
Web Older American
12/22/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • PA
  • 15221
Web
12/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92879
Web
12/18/2023 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
  • VA
  • 23462
Web
12/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37013
Web
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77494
Web
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 40403
Web Servicemember
12/13/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AZ
  • 85142
Web
12/13/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Title loan
  • Struggling to pay your loan
  • CA
  • 91387
Web
12/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • NC
  • 28273
Web
12/09/2023 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
  • TX
  • 76208
Web
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35816
Web
12/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32501
Web
12/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20602
Web
11/29/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22407
Phone
11/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19406
Web
11/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43207
Web
11/20/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 23185
Web Older American, Servicemember
11/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33578
Web
11/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30349
Web
11/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • LA
  • 71446
Web Servicemember
11/06/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • MD
  • 20782
Phone
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44137
Web
11/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27545
Web Servicemember
11/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • LA
  • 71104
Web Servicemember
10/31/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • PA
  • 17701
Web
10/31/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76208
Phone
10/27/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 71107
Web
10/27/2023 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
  • PA
  • 19053
Web
10/25/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Title loan
  • Charged fees or interest you didn't expect
  • VA
  • 230XX
Web Older American, Servicemember
10/22/2023 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
  • PA
  • 15204
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
10/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 12110
Web
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22025
Phone
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21076
Web
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28786
Web Servicemember
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75063
Web
10/11/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Problem with customer service
  • VA
  • 24018
Web
10/04/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33705
Web
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46250
Web
09/25/2023 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
  • WI
  • 53005
Web
09/25/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Deficiency balance after repossession
  • TX
  • 77084
Web
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19116
Web
09/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 90723
Web
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19104
Web
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 62471
Web Servicemember
09/19/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32250
Phone
09/16/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 30135
Web
09/13/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21015
Web
09/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10977
Web
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23228
Web
09/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23462
Web
08/27/2023 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
  • PA
  • 18512
Web
08/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 61065
Web
08/26/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27045
Web
08/20/2023 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
  • 27617
Web Servicemember
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22025
Referral
08/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33138
Web
08/14/2023 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
  • MS
  • 39110
Web Servicemember
08/11/2023 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
  • IL
  • 60950
Web
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98007
Web
08/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • TN
  • 37665
Web
08/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29388
Web Servicemember
08/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • CA
  • 90660
Phone Servicemember
07/31/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 36125
Web
07/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20876
Web
07/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30294
Web
07/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29204
Web
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75671
Web
07/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90024
Web
07/20/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • VA
  • 20108
Postal mail
07/19/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • VA
  • 23601
Web Servicemember
07/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MS
  • 39153
Web
07/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60707
Web
07/11/2023 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
  • FL
  • 32583
Web Servicemember
07/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07083
Web
07/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30309
Web
07/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08028
Phone
06/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 32209
Referral
06/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • WI
  • 54956
Web
06/21/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • WI
  • 53701
Phone
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19111
Web
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19111
Web
06/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23517
Web
06/19/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 20108
Web
06/06/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • IL
  • 61760
Web
06/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90212
Web Servicemember
06/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15650
Postal mail
05/26/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91354
Web
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33844
Web
05/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • IN
  • 46140
Web
05/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 38637
Web Servicemember
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22192
Web Servicemember
05/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 18201
Web
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21076
Phone
05/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NJ
  • 08068
Web Referral
05/03/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TN
  • 38464
Web
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30134
Web Servicemember
04/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44224
Web
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19135
Web
04/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92831
Web Servicemember
04/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • 71459
Web Servicemember
04/11/2023 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
  • MS
  • 39480
Web
03/29/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 17842
Phone
03/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21237
Web
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33033
Web
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63107
Web
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
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 302XX
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
03/12/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • XXXXX
Web Servicemember
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76112
Web
03/10/2023 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
  • NC
  • 27559
Web
03/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 43235
Web
03/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28306
Web Servicemember
03/03/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 32792
Web
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
  • MA
  • 02145
Web
03/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • PA
  • 15085
Web
02/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15701
Web Servicemember
02/15/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33063
Web Servicemember
02/13/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44907
Web Servicemember
02/07/2023 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
  • TX
  • 77302
Web
01/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33017
Web
01/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77459
Web
01/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32724
Web
01/19/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • PA
  • 18977
Web
01/18/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MD
  • 21206
Web
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76179
Web
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90048
Web
01/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33647
Web
01/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85323
Web
12/28/2022 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
  • KY
  • 42409
Web
12/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15650
Postal mail
12/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IL
  • 62966
Web
12/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • DE
  • 19702
Web
12/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60640
Web
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33604
Web
12/06/2022 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
  • 19120
Web
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
  • MD
  • 21220
Web
11/27/2022 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
  • IN
  • 47331
Web
11/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21226
Web
11/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • 90660
Phone Servicemember
11/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60431
Web
11/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KY
  • 40211
Web
11/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23505
Web
11/08/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30339
Web
11/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37660
Phone
11/04/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31909
Web
11/03/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 37620
Web
11/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 79938
Web Servicemember
10/29/2022 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
  • Was not notified of investigation status or results
  • MD
  • 21114
Web
10/23/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33578
Web
10/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30024
Web
10/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29229
Web
10/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MD
  • 21702
Postal mail
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21244
Web
09/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 61101
Web
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75052
Web
09/23/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 92869
Web
09/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • CA
  • 90660
Phone Servicemember
09/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28215
Web
09/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30038
Web
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28214
Web Servicemember
09/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NC
  • 27858
Referral
09/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28303
Web Servicemember
09/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27545
Web
09/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 32218
Web
09/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • PA
  • 19610
Web
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 38305
Web Servicemember
08/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30135
Web
08/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70563
Web
08/01/2022 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
  • 33604
Web
07/24/2022 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
  • 15427
Web
07/19/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 43235
Web
07/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08083
Web
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 38930
Web
07/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Was approved for a loan, but didn't receive money
  • FL
  • 33311
Phone Older American
07/11/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30135
Web
07/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32606
Web
07/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • NC
  • 28216
Web
07/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77064
Web
06/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29416
Web Servicemember
06/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14212
Web
06/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32906
Referral
06/17/2022 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
  • 31602
Web Servicemember
06/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 35810
Web
06/13/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21060
Referral
06/06/2022 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
  • 45231
Web
06/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60406
Web
05/27/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76120
Web
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32708
Web
05/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30135
Web
05/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21286
Web
05/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35126
Phone
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33063
Web Servicemember
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75070
Web
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • GA
  • 31088
Web
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75126
Web
04/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77302
Web
04/25/2022 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
  • NM
  • 87544
Web
04/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 15146
Web
04/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • GA
  • 31904
Phone Older American, Servicemember
04/09/2022 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
  • SC
  • 29334
Web
04/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70065
Web
04/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92878
Web Servicemember
04/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 14621
Web
04/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46204
Web
03/28/2022 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
  • TN
  • 37066
Web
03/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CA
  • 92804
Phone Older American
03/08/2022 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
  • 20603
Web
03/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28376
Web
03/04/2022 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
  • AZ
  • 85281
Web
02/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98422
Referral
02/21/2022 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
  • 27524
Web
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28216
Web
02/06/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19141
Web
02/01/2022 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
  • PA
  • 19126
Web
01/30/2022 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
  • 31093
Web
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33487
Web
01/25/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44123
Phone
01/24/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 08837
Web
01/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DE
  • 19801
Web
01/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85017
Web
01/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • VA
  • 22192
Web
01/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MD
  • 20723
Web Servicemember
01/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 13211
Web
01/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53215
Web
01/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 33401
Referral
01/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MD
  • 21795
Web
12/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44146
Web
12/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30815
Web
12/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85246
Web Servicemember
12/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • MD
  • 21221
Web
12/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • WA
  • 98686
Phone
12/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29212
Web
12/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • PA
  • 15425
Web
11/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28078
Web
11/30/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 28078
Web
11/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30815
Web
11/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34748
Web
11/19/2021 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
  • Was not notified of investigation status or results
  • FL
  • 33578
Web
11/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46324
Web
11/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 082XX
Web
11/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28358
Web
11/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NC
  • 27107
Referral
10/21/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34491
Referral
10/19/2021 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
  • 21701
Web
10/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 43125
Web
10/18/2021 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
  • TX
  • 75080
Web
10/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 45503
Web
10/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • LA
  • XXXXX
Web Servicemember
10/12/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44102
Web
10/11/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28358
Web
10/08/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33444
Web
10/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44103
Web
10/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • IL
  • 60110
Web
09/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28173
Web
09/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33759
Web
09/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46375
Web
09/16/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60426
Web
09/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76063
Web
09/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • SC
  • 29223
Web Servicemember
09/11/2021 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
  • 30114
Web
09/03/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14221
Web
09/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30097
Web
09/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 22802
Web
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28216
Web
08/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 08015
Web
08/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 19601
Web
08/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21286
Web
08/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • PA
  • 19082
Phone Older American
08/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 46406
Web
08/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35068
Web
08/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • VA
  • 20143
Web
08/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • TX
  • XXXXX
Web
07/27/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31027
Web
07/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31021
Web
07/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31021
Web
07/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37042
Phone
07/14/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30457
Web
07/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • SC
  • 29662
Web
07/06/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19027
Web
07/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 631XX
Web
06/30/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31088
Web
06/30/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MD
  • 21502
Phone
06/28/2021 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
  • KY
  • 40229
Web
06/23/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31207
Web
06/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 186XX
Web
06/21/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • OH
  • 44485
Postal mail
06/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43229
Web
06/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NJ
  • 08360
Web
06/07/2021 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
  • TN
  • 37086
Web
06/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28348
Web
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30528
Web
06/04/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31027
Web
05/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23701
Web
05/24/2021 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MD
  • 20880
Web
05/23/2021 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
  • 21061
Web
05/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20850
Web
05/20/2021 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
  • TX
  • 78258
Web
05/18/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30457
Web
05/18/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IL
  • 62881
Referral
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19144
Web
05/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NC
  • 27520
Web
04/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27260
Web
04/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TN
  • 37076
Referral
04/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77584
Web
04/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MD
  • 21221
Phone
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
  • NJ
  • 08861
Web
04/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98661
Web
04/09/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 20109
Web
04/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46041
Web
03/30/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30518
Web
03/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33433
Web
03/24/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31027
Web
03/24/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31027
Web
03/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21244
Web
03/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OH
  • 43055
Phone Older American
03/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15211
Web
03/10/2021 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
  • PA
  • 15211
Web
03/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 42765
Web Servicemember
03/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15219
Web
03/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15219
Web
03/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23503
Referral
02/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93033
Web
02/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33433
Web
01/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 95357
Web
01/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33433
Web
01/06/2021 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
  • CA
  • 92057
Web
12/31/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30311
Web Older American
12/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78741
Web Servicemember
12/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37129
Web
12/17/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 34685
Web
12/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46143
Web
12/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07087
Referral
11/27/2020 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
  • CA
  • 90212
Web
11/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07087
Fax
11/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28213
Web
11/10/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
11/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • OH
  • 44301
Web Servicemember
11/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 40203
Web
10/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35180
Web
10/27/2020 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
  • SC
  • 29902
Web
10/22/2020 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
  • NC
  • 27893
Web
10/20/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • TN
  • 37013
Web
10/09/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MD
  • 20902
Phone
09/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36856
Web
09/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • VA
  • 23168
Web
08/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • GA
  • 31032
Phone Older American, Servicemember
08/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • PA
  • 19131
Phone
08/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 40160
Web
08/06/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37149
Web
08/06/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 73083
Web
07/28/2020 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • 55438
Web
07/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33414
Web
07/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35405
Web
07/07/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
Phone
07/04/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30038
Web
06/11/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
Phone
06/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32095
Web
06/06/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45440
Web
06/06/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • VA
  • 23451
Web Servicemember
05/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95127
Web
05/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • IN
  • 46231
Postal mail
05/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95127
Web
04/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MO
  • 63366
Web
04/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37865
Web
04/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27613
Web
04/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TN
  • 37013
Web
04/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33813
Web
04/09/2020 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
  • MS
  • 39648
Web
04/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
Phone Older American, Servicemember
03/31/2020 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
  • TN
  • 37042
Web Servicemember
03/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 92109
Web
03/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32817
Web
03/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60652
Web
03/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
Referral
02/16/2020 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
  • OH
  • 43068
Web
02/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • IL
  • 60440
Phone Older American
02/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35217
Web Servicemember
02/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KY
  • 42140
Phone
01/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32811
Web
01/30/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 21911
Web
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
01/15/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • FL
  • 32314
Phone
01/12/2020 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
  • 31402
Web
01/10/2020 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
  • PA
  • 17692
Web Servicemember
01/09/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
Phone
01/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • PA
  • 17015
Web Servicemember
12/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20745
Web Servicemember
12/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36110
Web Servicemember
11/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36110
Web Servicemember
11/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • PA
  • 15012
Phone Older American, Servicemember
11/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • NC
  • 27526
Phone
10/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 21229
Phone
10/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • 16417
Web
10/17/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
Phone
10/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • OH
  • 45242
Web
10/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
Phone
10/09/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 24588
Referral
10/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • PA
  • 19607
Web
10/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33521
Postal mail
09/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • IL
  • 62984
Web
09/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 440XX
Web
09/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 18015
Web Servicemember
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 17961
Web
08/16/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77051
Web
08/07/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • MO
  • 65536
Web
07/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • LA
  • 70805
Web
07/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • OH
  • 44432
Referral
07/14/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19136
Web
07/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MD
  • 20905
Web
07/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NY
  • 13901
Web
06/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
Phone
06/26/2019 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
Phone
06/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60560
Postal mail
06/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TN
  • 37013
Web
06/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • VA
  • 23669
Fax Older American
06/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32714
Web
06/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30132
Web
05/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30132
Web
05/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44146
Web
05/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21220
Web
05/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33705
Phone
05/09/2019 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
  • PA
  • 19138
Phone
04/18/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32303
Phone
04/05/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31313
Referral
04/02/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MO
  • 63736
Web Servicemember
03/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 45014
Web
03/26/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30132
Referral
03/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32763
Referral Servicemember
03/08/2019 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
  • 76180
Web
02/28/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MD
  • 20886
Web
02/25/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34639
Web
02/20/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43614
Referral
02/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 21206
Postal mail Servicemember
02/08/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IL
  • 60536
Web
01/28/2019 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
  • 36117
Web
01/28/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • NY
  • 14075
Web
01/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • FL
  • 33880
Web
01/24/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30043
Referral
01/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92614
Web
01/16/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • FL
  • 32536
Referral Servicemember
01/15/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97814
Web
01/12/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • TN
  • 37135
Phone Servicemember
01/11/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29405
Web
01/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 37862
Web
01/10/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 37013
Web
12/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 16301
Web
12/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20774
Web
12/05/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78766
Web
12/04/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27893
Referral
11/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
Phone
11/15/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28151
Web
11/14/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
Postal mail
11/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15044
Fax
11/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NY
  • 14411
Referral
11/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21113
Web
11/01/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60189
Web
10/18/2018 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
  • 31907
Web
10/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 12065
Web
10/12/2018 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 53713
Fax
10/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29681
Web
09/30/2018 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
  • NY
  • 13732
Web Older American
09/25/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28590
Referral
09/24/2018 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MO
  • 637XX
Web
09/19/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • TN
  • 37042
Web
09/13/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
Phone
09/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 40160
Web
09/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21206
Web
09/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 61920
Web
09/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23060
Web
08/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
Phone
08/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60563
Web
08/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22042
Web Servicemember
08/22/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MD
  • 20770
Postal mail
08/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32358
Web
08/16/2018 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • UT
  • 84120
Web
08/14/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84123
Web
08/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20783
Postal mail
07/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32120
Web
07/25/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31082
Web Servicemember
07/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • OH
  • 44143
Web
07/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • TX
  • 75038
Phone
06/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NY
  • 14450
Referral
06/10/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • PA
  • 19460
Web
06/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20723
Referral
06/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MO
  • 65203
Web
06/04/2018 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
  • IN
  • 46202
Web
06/01/2018 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
  • PA
  • 19032
Web
05/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28314
Web Servicemember
05/15/2018 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
  • PA
  • 18655
Web
05/12/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web
05/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32117
Web
05/10/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32120
Web
05/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60517
Web
04/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
Fax Servicemember
04/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 17522
Web
04/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21014
Web
04/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32246
Web
04/19/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • PA
  • 18040
Web
04/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29588
Web
04/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • OH
  • 44646
Fax
04/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28747
Web
03/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44312
Fax Servicemember
03/28/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IL
  • 62832
Web
03/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60611
Web Servicemember
03/27/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MO
  • 63383
Web Servicemember
03/13/2018 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
  • IL
  • 60619
Web
03/12/2018 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
  • IL
  • 60088
Web Servicemember
02/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 45042
Web
02/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 13790
Web
02/20/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63011
Postal mail
02/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32832
Web
02/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NY
  • 14619
Phone
02/01/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • VA
  • 22193
Web
01/24/2018 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
  • DC
  • 20020
Web
01/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
Phone
01/21/2018 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
  • NJ
  • 08021
Web
01/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • FL
  • 32305
Web
01/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 44646
Fax Servicemember
12/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20720
Web Servicemember
12/26/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NC
  • 27614
Web Servicemember
12/24/2017 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
  • Investigation took more than 30 days
  • NC
  • 27886
Web
12/22/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08052
Referral
12/18/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28337
Web
12/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21901
Web
12/14/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 27106
Web
11/30/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30458
Web
11/30/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27406
Web
11/13/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08015
Web
11/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was repossessed or sold the vehicle
  • VA
  • 23831
Web
11/03/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • VA
  • 22630
Web
10/23/2017 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
  • TN
  • 37620
Web Older American, Servicemember
10/23/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 13215
Web
10/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32792
Web
10/09/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 20748
Web
10/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • OH
  • 44305
Fax Servicemember
09/27/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 20770
Postal mail
09/11/2017 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80525
Web
09/01/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
Phone
08/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 45231
Web
08/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28273
Web
07/31/2017 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
  • MD
  • 20878
Postal mail
07/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 44706
Fax Servicemember
07/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19050
Phone
06/28/2017 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MD
  • 20715
Web
06/26/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 44320
Fax Servicemember
06/13/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MD
  • 20874
Referral
06/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39401
Web
06/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33604
Web
06/01/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • FL
  • 32668
Fax
05/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33416
Web
05/10/2017 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 78660
Web
04/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • VA
  • 23666
Web Servicemember
04/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • FL
  • 32225
Web
04/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31904
Web Servicemember
04/20/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NY
  • 14210
Web
04/20/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 20902
Referral
04/19/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30546
Phone Servicemember
04/14/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • GA
  • 30656
Phone
04/14/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30656
Phone
04/09/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • VA
  • 22312
Web
03/23/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 45431
Web
03/17/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27018
Web
03/17/2017 Yes
  • Consumer Loan
  • Title loan
  • Can't contact lender
  • FL
  • 33830
Web
03/08/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MD
  • 21075
Web
02/28/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27616
Phone
02/28/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27616
Phone
02/06/2017 Yes
  • Payday loan
  • Can't contact lender
  • OH
  • 45211
Web Servicemember
02/01/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 33859
Web
01/25/2017 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NJ
  • 08724
Phone
01/11/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 18235
Web
12/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 21207
Web
12/21/2016 Yes
  • Credit card
  • Other
  • OH
  • 44105
Web
12/15/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33810
Web
11/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22312
Referral
11/23/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • MS
  • 39288
Web
11/21/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NJ
  • 08232
Phone
11/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • PA
  • 18411
Web Servicemember
11/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NC
  • 28359
Web
09/12/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33417
Web
09/02/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 21108
Phone
08/31/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • OH
  • 43612
Phone
08/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33417
Web
08/18/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • PA
  • 19144
Web
08/03/2016 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20902
Phone Servicemember
08/03/2016 Yes
  • Consumer Loan
  • Title loan
  • Can't contact lender
  • NC
  • 27545
Phone
08/03/2016 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • VA
  • 22314
Web
07/31/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 33161
Web
07/08/2016 Yes
  • Consumer Loan
  • Title loan
  • Charged fees or interest I didn't expect
  • NC
  • 27014
Phone
07/07/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MD
  • 21133
Web
07/05/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32304
Phone
06/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • NY
  • 12303
Referral
06/11/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • NJ
  • 08332
Web
05/17/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 20874
Phone Older American
04/22/2016 Yes
  • Consumer Loan
  • Personal line of credit
  • Problems when you are unable to pay
  • FL
  • 32446
Web
04/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 32303
Web
03/23/2016 Yes
  • Consumer Loan
  • Title loan
  • Charged fees or interest I didn't expect
  • NJ
  • 07081
Referral
03/22/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • RI
  • 02861
Phone
03/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
Phone
02/12/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • PA
  • 15501
Web
01/16/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • NC
  • 27301
Web
12/29/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NY
  • 14420
Web
12/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 322XX
Web
10/30/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 22192
Web Servicemember
10/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • PA
  • 17067
Web
10/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • FL
  • 34781
Web
09/10/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • PA
  • 19464
Web
08/26/2015 Yes
  • Consumer Loan
  • Personal line of credit
  • Problems when you are unable to pay
  • NY
  • 14227
Phone
08/22/2015 Yes
  • Consumer Loan
  • Title loan
  • Charged fees or interest I didn't expect
  • FL
  • 34715
Web
08/01/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 21236
Web
07/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 21213
Web
05/29/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 33782
Web
05/27/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28659
Web
05/06/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NC
  • 27331
Web
04/19/2015 Yes
  • Debt collection
  • I do not know
  • 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.)
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 18360
Phone Older American
03/22/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 32304
Web
03/16/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33409
Phone
03/09/2015 Yes
  • Consumer Loan
  • Personal line of credit
  • Managing the line of credit
  • NC
  • 27504
Phone
02/19/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21035
Web
02/03/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 32605
Web
01/21/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • FL
  • 34685
Referral
01/16/2015 Yes
  • Consumer Loan
  • Title loan
  • Charged fees or interest I didn't expect
  • FL
  • 33771
Web
01/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20748
Phone
12/30/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • MD
  • 21049
Web
12/16/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33682
Web Older American, Servicemember
11/28/2014 Yes
  • Consumer Loan
  • Title loan
  • Payment to acct not credited
  • MD
  • 21703
Web
11/25/2014 Yes
  • Consumer Loan
  • Pawn loan
  • Applied for loan/did not receive money
  • NC
  • 28345
Web
11/24/2014 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • PA
  • 15217
Postal mail
11/19/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 20147
Web Servicemember
10/30/2014 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • FL
  • 32310
Web
10/29/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MD
  • 20871
Web
10/28/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 20147
Web Servicemember
10/10/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28403
Web Servicemember
10/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34743
Postal mail
10/06/2014 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 20147
Web Servicemember
10/02/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 23666
Web
09/26/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • FL
  • 33321
Web
09/24/2014 Yes
  • Consumer Loan
  • Vehicle lease
  • Problems when you are unable to pay
  • NJ
  • 08361
Web
09/19/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • VA
  • 22192
Web Servicemember
08/30/2014 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07717
Web Servicemember
08/28/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • PA
  • 17815
Web
08/04/2014 Yes
  • Payday loan
  • Payment to acct not credited
  • FL
  • 32124
Web
05/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • DE
  • 19960
Web
04/15/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NY
  • 14215
Web
03/31/2014 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MD
  • 20716
Web