MIDCOUNTRY FINANCIAL CORP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/16/2018	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91214	Web	Servicemember
I have several issues with XXXX XXXX, a Division of XXXX XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This loan company keeps adding interest monthly on a charged off account raising the balance from {$4000.00} to {$7000.00}. The company does not provide sufficient verification of debt when requested and keeps referring me to a hired collection agency to discuss about the account. There are inconsistencies with their information and information provided by the three credit agencies. I want to resolve this issue and I have disputed XXXX XXXX and the information with all three credit bureaus, but nothing has been done. The credit bureaus have referred me to the CFPB to make a complaint because they do not handle FCRA, SCRA, and any other violations. I was a servicemember, XXXX XXXX, stationed in XXXX at the date of this loan on XX/XX/XXXX. I have had previous loans with this company without any problems. However, this specific loan account has been troublesome. I separated from the XXXX in XX/XX/XXXX and received collection letters from this company when I moved back to XXXX. The letters stated I was past due and the account closed in XX/XX/XXXX. This loan started out with a balance of {$4000.00} and was charged off by XX/XX/XXXX with XX/XX/XXXX being reported 120 days late. However, despite being charged off, the balance has grown to {$7000.00} to this date. This company claims to be military friendly and set on helping military personnel. Yet, the account has been charged off and reported negatively since XX/XX/XXXX while the balance keeps rising. I have repeatedly attempted to resolve this matter with XXXX XXXX, yet they keep referring me to XXXX XXXX XXXX, a collection agency. The loan is still under XXXX XXXX and not sold to the collection agency. In XX/XX/XXXX, when I was able to speak briefly with the XXXX representatives, they stated that the principal was {$4000.00} and that is what was owed. Then they refered me to XXXX XXXX XXXX, who stated differently that the balance was {$5800.00} for example because interest has been charged on a charged off account. XXXX XXXX XXXX has told me that it is XXXX XXXX that is charging the added interest. When I called XXXX XXXX to speak with a supervisor, they told me that the amount was {$4000.00}, but they add the running interest and that the decision is up to XXXX XXXX XXXX if they collect the amount with the additional interest. When I spoke with XXXX XXXX XXXX and its supervisor, she told me that the balance they have to collect is exactly what XXXX tells them to collect, which is the principal and the running interest even if the account is charged off. To my knowledge, an account cant be charged off by a company and then still have the amount increasing. This company violates FCRA and SCRA protection offered to servicemembers. On XX/XX/XXXX I asked for verification of debt through XXXX XXXX XXXX since XXXX XXXX would not oblige. I received only two pages of an online promissory note that did not substantiate verification of debt. No other documents were included to properly verify validity of debt. I thought this to be a mistake by XXXX XXXX XXXX and/or XXXX XXXX and asked once more for verification of debt on XX/XX/XXXX. Again, XXXX XXXX XXXX sent me a two page online version of a promissory note. When I called XXXX XXXX XXXX, they told me that it was all the paperwork XXXX XXXX gave them. This promissory note is an online version with no signature. There are several discrepancies with the information provided in the promissory note. There is a discrepancy with the account identification. XXXX XXXX XXXX identified the loan account as the account ending in XXXX on XX/XX/XXXX. According to the credit bureaus, the account is identified XXXX just like its identified by XXXX XXXX XXXX. However, the promissory note labels the account as an account ending in XXXX. It also states another account on the promissory note with a balance of {$1800.00}. This account is identified as # XXXX. There is no clear way of identifying the account. In addition, under the title, " Federal Disclosure Statement, '' in the middle of the promissory note, the annual percentage is highlighted as 35.71 %. However, at the bottom of the note, in the last section, it states that the agreed interest is 33.36 % in small writing. This promissory does not match account numbers with the negatively reported one on the credit bureaus and there are too many inconsistencies.
10/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	VA 22306	Web	Servicemember
XXXX XXXX XXXX have reported on my credit report every 2 weeks for the past year as being 60 days plus late. I have been trying to catch up but you are XXXX me with daily interest of 35 %. I am going to have to go to an attorney now. Either you reflect my account as current or I will have no choice but to seek legal actions. I am in the right because I have made payments every 2 weeks which means you are charged me 70 % interest a month that certainly violates all state laws and the SCRA. The representative is rude and unprofessional within the attached email and the inappropriate text in the subject line. I ask for a supervisor or someone over him and was told that was him. I then ask for the phone number to corporate or headquarters and was told to XXXX it. He went on to say that he will try to send me a email plaining explaining the context of my account in which hopefully I am capable of understanding. I asked if he was implying that I do not comprehend and he stated " you said that I did n't ''. Then I asked him if the conversation was being recorded and he stated " no ''. I told him I wish it was so when the conversation is reviewed they can hear what he was saying. I never in my life have felt so disrespected and angered by a lender. According to the Military Lending Act the has required me to pay by allotment according to the original contract. However, since I opted not to pay by allotment later within the contract due to financial hardship, it seems as though I am being targeted through my credit with daily compound interest, excessive late charges added, rollover on multiple times, and additional charges. It seems as though XXXX XXXX XXXX takes advantage of the consumer by making sure the consumer does fully understand the term or condition of the financial product or service. The customer service department takes advantage of the consumers frustration and actually initiates verbal conflict with the consumer. XXXX clearly discriminates against certain borrowers and it is apparent in their credit reporting procedures. Regardless, if a consumer like myself has been exercising in good faith to make double payments on two missed payments ; there is no remorse from the lender to apply additional finance charges, late fees, and misrepresent the APR cap. However, I find it hypocritical of XXXX XXXX Financial Bill of Rights to state that their goal is to help build credit ; Applications underwritten to ensure a borrowers ability to repay a loan. It is our goal to only offer loans in amounts we believe our customers will be able to repay, without falling into a cycle of debt. We always underwrite applications and perform credit checks that take into consideration an individuals ability to assume a loan. Then to add this statement as if they are helping others establish credit when it is apparent that they use it as an abuse tactic ; Credit agency reporting to help borrowers build credit history. XXXX XXXX believes it is important for our customers to establish a positive credit history. We take the time to educate and help customers build credit by reporting fair and accurate information in accordance with The Fair Credit Reporting Act ( FCRA ) that may benefit them in the long term. Finally, my last statement from XXXX webpage As the military division of XXXX XXXX, XXXX XXXX is federally regulated. We proudly serve the military, and understand the unique challenges that military life can bring. Our military loans are designed to help you today. However, the lender has only cost military families to gain further debt with their outrageous daily interest and high APR. XXXX is not designed to help unless you are able to pay the debt within 30 days or allotment. I had a previous loan with the lender in which I had an allotment and did not incur additional interest. Also, I was reimbursed payments several times with unauthorized drafts from my account, but was still charged NSF/LATE/INTEREST.
10/01/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	VA 239XX	Web	Servicemember
In XX/XX/2017, I had opened an unsecured loan with XXXX. Upon opening of the loan, I had not setup any automated payments. I was under the impression per the conversations that I had with XXXX that my first payment was due in XX/XX/XXXX. Apparently, the loan was setup middle of the month of XX/XX/XXXX and the first payment was due in XX/XX/XXXX. I had no knowledge of the late payment until I was contacted by XXXX in XX/XX/XXXX. When I was contacted, there was an issue with my military pay where they changed my status erroneously which caused me to go the entire month without pay. I had contacted XXXX to let them know the issue and made a promise to pay via an allotment. I had a total of {$200.00} that I could pay them as a token of goodwill, which I made. Once the military had settled the pay issue, I was able to rectify the difference owed and setup my account for auto payment. The account had been automatically paid via an ACH from my checking account every month since then. The issue is that my account has been reporting as 30+ days late on my credit report every single month. The only reason that I found out this was happening was because my wife and I applied for a mortgage. When we applied, our loan officer asked why we have been 30 days late with them for months. The was information that was new to us and we quickly called XXXX to rectify the situation. Between countless phone calls, multiple departments and countless different responses, there has been no consistent statements on their behalf. The last call that was made we were told that because they changed systems in XX/XX/XXXX, that they would have to go back and forth between the old and new systems. The rep we spoke to provided myself with different information than what was previously given ; including alleged phone calls in which I had no recollection of. The issue is that had we know there was a rolling late payment reporting on our account, we would've rectified the situation months ago. I feel like this is a complete UDAAP violation. This is unfair because I had no knowledge of being continually late for 30 days for close to a year. Had I not applied for a mortgage, I still would be late. This has also disqualified me from being able to obtain VA financing. This is deceptive because XXXX had made no attempt to call me, they have not been able to provide me with a consistent answer and they state that they changed systems in XX/XX/XXXX which also makes it impossible for me to validate anything they state because when I check my records online, there are no documents to view. This is abusive because I can potentially lose out on my deposit and home which can cause me a huge financial hardship. Their acts and practices appear to only protect their best interest since the account was setup for automatic payments and their lack of communication, not sending any statements or emails informing me that I have been 30+ days late and their inability to provide me with a consistent, truthful detailed history of communications has given them the ability to continually collect a late payment fee from me every month. This has been a benefit to them. Also, per each conversation had ; I was told that once I setup the automatic payments, they have no records of any calls or communications made/sent to me via any method. I have had loans that once I am past the grace period of the loan ; I will receive automated calls, urgent emails, personal calls or communications via USPS that I am late, yet alone hitting the 30 day mark. The burden shouldn't be held solely on me. I setup the automatic payments to avoid any future issues as per my previously mentioned issue with my military pay. It is very convenient that as soon as I set this service up, they stated ( and confirmed multiple times ) that they never made any communications to me and they collected hundreds of dollars in late payment fees while also damaging my credit.
10/01/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	VA 239XX	Web	Servicemember
In XX/XX/2017, I had opened an unsecured loan with XXXX. Upon opening of the loan, I had not setup any automated payments. I was under the impression per the conversations that I had with XXXX that my first payment was due in XXXX. Apparently, the loan was setup middle of the month of XXXX and the first payment was due in XXXX. I had no knowledge of the late payment until I was contacted by XXXX in XXXX. When I was contacted, there was an issue with my military pay where they changed my status erroneously which caused me to go the entire month without pay. I had contacted XXXX to let them know the issue and made a promise to pay via an allotment. I had a total of {$200.00} that I could pay them as a token of goodwill, which I made. Once the military had settled the pay issue, I was able to rectify the difference owed and setup my account for auto payment. The account had been automatically paid via an ACH from my checking account every month since then. The issue is that my account has been reporting as 30+ days late on my credit report every single month. The only reason that I found out this was happening was because my wife and I applied for a mortgage. When we applied, our loan officer asked why we have been 30 days late with them for months. The was information that was new to us and we quickly called XXXX to rectify the situation. Between countless phone calls, multiple departments and countless different responses, there has been no consistent statements on their behalf. The last call that was made we were told that because they changed systems in XXXX, that they would have to go back and forth between the old and new systems. The rep we spoke to provided myself with different information than what was previously given ; including alleged phone calls in which I had no recollection of. The issue is that had we know there was a rolling late payment reporting on our account, we would've rectified the situation months ago. I feel like this is a complete UDAAP violation. This is unfair because I had no knowledge of being continually late for 30 days for close to a year. Had I not applied for a mortgage, I still would be late. This has also disqualified me from being able to obtain VA financing. This is deceptive because XXXX had made no attempt to call me, they have not been able to provide me with a consistent answer and they state that they changed systems in XXXX which also makes it impossible for me to validate anything they state because when I check my records online, there are no documents to view. This is abusive because I can potentially lose out on my deposit and home which can cause me a huge financial hardship. Their acts and practices appear to only protect their best interest since the account was setup for automatic payments and their lack of communication, not sending any statements or emails informing me that I have been 30+ days late and their inability to provide me with a consistent, truthful detailed history of communications has given them the ability to continually collect a late payment fee from me every month. This has been a benefit to them. Also, per each conversation had ; I was told that once I setup the automatic payments, they have no records of any calls or communications made/sent to me via any method. I have had loans that once I am past the grace period of the loan ; I will receive automated calls, urgent emails, personal calls or communications via USPS that I am late, yet alone hitting the 30 day mark. The burden shouldn't be held solely on me. I setup the automatic payments to avoid any future issues as per my previously mentioned issue with my military pay. It is very convenient that as soon as I set this service up, they stated ( and confirmed multiple times ) that they never made any communications to me and they collected hundreds of dollars in late payment fees while also damaging my credit.
09/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NE 68005	Web	Servicemember
On XX/XX/XXXX, I applied for a loan with this XXXX XXXX company, through the verification process they contacted me and said that they thought I was not the one applying for the loan. I explained the agent that although I has asked my wife to help me type the information in the actual application, I had been the one completing and checking agreed and consenting to the application. They denied the application and I call them to follow up why as they had approved me previously and send me an email saying so, they guy I spoke to said that the reason was that they couldn't verify my identity and so they needed to run the information again. He asked me all my details and I gave them and they without asking me pulled a second credit inquiry on my credit, on XX/XX/XXXX - just 7 days after, I had no idea they did, and he never told me he would otherwise I would have never consented. I learned about that until a month later when I checked my credit score and report. After this last time, I was approved for {$2500.00} and since I had an emergency and financial need, I took the loan regardless that they had offered a lower interest they ended up with a 28.023. I made my first payment on XX/XX/XXXX and they took an additional month worth on XX/XX/XXXX, I called them and asked them why, they said it was an error and that they will not take another payment until XX/XX/XXXX, on that day I also requested and gave authorization for my wife to be able to discuss the the account with them and make decisions, well on XX/XX/XXXX they took another month 's payment, and that is a total of 3 months worth of payments in less than 31 days. My wife called them and requested an explanation as to why they were taking additional funds, they told her they were going to take the payment as long as they had the account on file, regardless that I had been told they wouldn't. She inquire why they had not replied to an email inquire I sent asking as to why my credit had been inquired twice and how as a courtesy they could please retrieve the second inquire since I was after all their customer, they guy laughed at my wife asking for that and he said it was done. My wife and I had to look for another loan so we could pay this off, since their service was very awful and the experience with them I regret very much, my wife called and a guy named XXXX answered the call, she greeted him and said he needed some help with my account, the guy without identifying the account told my wife immediately that he can't answer anything my wife advise that she was authorized in the account as I has signed a release for that, he then in a very sarcastic manner spoke to my wife and told her he didn't even know who or what account it was, although she had already identified the account in the automated system that allows them to id the caller previous to them coming to the phone, his customer services was absolutely awful, just like every single person we got to deal with, is absolutely sad that they hide under the promise to want to help military families like us that are struggling in today 's economy, when they have no regard or interest other than charge higher interest rates and take advantage of the necessity of families to really hut you even more. We paid off our loan today thank XXXX after getting the funds from another lender who treated us with respect. I think companies like XXXX XXXX need to be investigated for their bad dealings and bad way to do business, these type of companies should not be in existence, they don't have scruples in their business, I regret very much to have dealt with them. I am not a guy to come and review or report anything, but I want to help other military families like myself to avoid falling into their trap.
10/09/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 36605	Web	Servicemember
I am a US veteran of 20+ years and I would like to report the unfair financial practices by a financial services company by the name of XXXX XXXX ( a military lending division of XXXX XXXX ). I applied for a loan in XXXX of last year and was approved. I needed the loan to offset the cost of expenses as the result of living on a fixed income ( military retirement pension ). The original loan amount was {$1400.00}. The loan has a fixed number of payments ( 1year ). Payments started in XX/XX/XXXX and are to end in XX/XX/XXXX, but because of financial difficulties in XX/XX/XXXX, numerous interest rates and service charges have been added to the principal of the loan. As a result, repayment of the loan will have to be extended past the maturity date of XX/XX/XXXX ( all payments can be completed by XX/XX/XXXX). In addition to the increased amounts on the loan, my otherwise very good credit has been ruined and my credit score has dropped dramatically because XXXX XXXX ( a military lending division of XXXXXXXX XXXX ) has " flagged '' me with a 30-day and just recently a 60-day late payment on my account with all three credit bureaus making it impossible for me to apply for any future lending. On top of that a " hard inquiry '' was placed on my XXXX credit report which I did not initiate. I am requesting removal of these negative items from my credit report from all three credit bureaus and the " hard inquiry '' from my XXXX credit report again which I did not initiate. I have made a recent loan payment of {$130.00} toward my balance of {$710.00}. Since XXXX of this year, I have been trying to get someone at XXXX XXXX ( a military lending division of XXXX XXXX ) to work with me on lowering my monthly payments and to stop payment by military allotment to my bank account. I 've had numerous NSF ACH direct debits on my checking account and several NSF fees added directly to the amount owed. I have always demonstrated a " willingness to pay '' when it comes to paying debts. This account is the only account on my credit report showing a negative status. I spoke with a representative at XXXXXXXX XXXX to discuss the status of my account. I was advised by this individual to restrict all communication with XXXX XXXX as there might be a misunderstanding in information regarding my account. So I did. This also raised a flag concerning the unfair practices and treatment of consumers at XXXX XXXX ( a military lending division of XXXX XXXX ) especially towards veterans, servicemembers, and their families. As a XXXX veteran, I am hopeful that I can get this agency to do all it can to help me with this situation because I do n't know where else to turn to. I am reminded of a certain senator in Washington DC who would be very interested in the " credit protection measures '' of the Military Lending Act being applied to veterans, servicemembers, and to their families. Thank you very much Consumer Financial Protection Bureau for being there when we need you the most. Hopefully this can be resolved at your level. Thank you. PS. Please address these concerns to the Assistant Director for the Office of Servicemember Affairs.
05/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 612XX	Web
XXXX, at the Heights Finance office in XXXX XXXX, lies to consumers about the law and the terms of ther contract and tries to bully them into additional commitments. First of all, my interest rate is greater than what I was told it was when I took the loan. Second, my payments are due on the XXXX of the month. I have been a day or two late in the past, but never more than that. This month ( XXXX ) I notified them that my payment would be 12 days late and that I would make it on the XXXX. I was informed by XXXX that I could skip the {$80.00} payment if I made a {$27.00} payment over the phone and my maturation date would just be moved to a month later. I told her I didn't want to do that because it was another month of high interest rates. She then informed me that I was then required to come in to the office ( which is 40 miles away ) for a " good faith visit '' today. When I told her that wasn't legal, she said it was part of my agreement with them and I disagreed pointing out it was nowhere in the paperwork and I would not do it. Then she told me they were going to call me every day until they " got their money ''. I reminded her that at that point I was only 2 days past my due date, not 30, and calling me every day would constitute harrassment. I would pay my regular payment and any late fee on the XXXX. She told me she could and would call me every day whether I liked it or not, unless I came in for a good faith visit. She has called several times since, and I just haven't answered, but today, after she called me and I ignored it, I called back hoping for a better interaction. She informed me that if I didn't pay within 7 days of my due date they would report me to the credit bureau and I needed to come in for a " good faith visit '' or pay immedately to avoid my credit being damaged. I told her that I was already past 7 days as it was due on the XXXX and it is now the XXXX and that they legally can not report me until I am 30 days past due and I am only 10 days past due. She said I was wrong and that I had to " come in or pay right now or they'll report me. '' I told her that is not true and I know the law. She then said " You better pay on the XXXX or we'll report you! '' in a very angry voice. As I said, I am only 10 days late. I notified them in advance that I would be, and I have never been more than a day or two late with them in the past. This predatory lender lies to consumers about the terms of their contract, and tries to bully them and lies to them about the law. XXXX at the XXXX XXXX office, in particular, is rude and dishonest. I am very concerned that she will vindictively damage my credit when I have not ever been 30 days late with them.
08/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AE XXXXX	Web	Servicemember
After a company has charged off your debt they have no permissible reason what so ever to pull a consumers credit. This is a clear violation of my privacy rights under the FCRA LAWS. on XXXX XXXX 2017, XXXX XXXX 2017 and onXX/XX/XXXX the company Pioneer Financial services deliberately violated my privacy rights under the FCRA permissibly reason to pull a consumer credit report being that I have no open account with them or any account in collections with them according to the notes on my file with this company and on my credit report. Under the FCRA this is the definition of Permissible Purpose. Being that this company is not actively trying to provide me with credit, nor are the actively trying to collect a debt there is no reason for them to be pulling my credit. The accounts that I have with them currently are charged off as a bad debt and as a loss. They have not assigned a collection agency to peruse collections so as I stated they have no reason to pull my credit the three times that they have pulled it. This is abuse of power to cause harm to a person personal credit and I would like for them to be further investigated on my behalf. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans- action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation
04/02/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	IN 460XX	Web	Servicemember
The Phantom Debt Collector Scheme is what happened. The ordeal started in XXXX, and has caused severe consumer injury. In fact the mishap cost me my career. I am still in the process of gathering all the details. I do have the original contracts, bank statements, and L.E.S. statements show how finances were deducted. By the time I realized what was happening it was to late to fix from my geographical location. The criminals tried to frame me for the crimes committed against myself and the United States-XXXX. I was put into a XXXX status for 4 months in XXXX XXXX, and found out that I was XXXX. Pioneer Service " XXXX '' XX/XX/XXXX : - {XXXX} XX/XX/XXXX : - {$XXXX} XXXX - {XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XXXX - {$XXXX} XX/XX/XXXX : - {$XXXX} XX/XX/XXXX - {$XXXX} XX/XX/XXXX to XXXX XX/XX/XXXX=- {$XXXX} loss of remainder of sign on bonus : - {$XXXX} Total loss : - {$XXXX} ( Loss of XXXX Career priceless ) I was XXXX on XX/XX/XXXX. I have tried to fix this ever since. Each time my technology gets hacked or broken and the process ends. In XXXX the Veterans Affairs awarded me XXXX for the XXXX associated with being XXXX from my career prematurely. Also in XXXX 7 days later in another state the FTC was shutting down the Phantom Debt Collectors that had harassed me since XXXX 's first payday loan. Each debt seemingly went into several collections agencies that were connected to military debts. ( Pioneer Services & XXXX ) XXXX XXXX loan discharged XX/XX/XXXX + {$XXXX} I have receipts for phantom debts that I have paid that were not actual debts. Total loss is still being calculated. It should not be this hard to get something cleared up, and/or this long to be addressed with the consumer that has been/is being targeted by aggressive criminals-debt collectors. XX/XX/XXXX The Phantom Calls began again triggering me to discover new evidence solving an 11 year old mystery for me. What really happened in XXXX, XXXX during XXXX was very damaging to our missions. I'm still working all the issues out. Per my calculations the Phantom Debt Scheme has stolen thousands of dollars from me then dismantled me financially, and threatened to imprison me if I ever told anyone. Here it is 11 years later, and I finally understand what happened. I was targeted by highly skilled professionals, victim, framed for crime, and someone went to extreme measures to cover it up. XXXX XXXX Veteran
09/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	HI 96816	Web	Servicemember
Around XXXX of XXXX I took out a {$2500.00} loan with a company online called XXXX XXXX XXXX. Their website left the impression that they were legally able to operate in the state of Hawaii and that they operated in accordance with the SCRA and MLA. All monthly payments were made. On XX/XX/XXXX I took out another loan with them for {$3000.00} at a 32.78 % interest. I combined my monthly payments for the two loans ( monthly payment : {$240.00} ) but the two accounts were still open. Fast forward to XXXX of XXXX when my last payment was made to them. I had some financial troubles as well as issues with my debit account. I do some research on lending laws and practices. I find out that the state I reside in- Hawaii- requires lenders to not only be licensed to do business in that state but also caps the interest rate at 24 %. I also find out that the MLA doesnt allow loan rollovers. I send an email to XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX questioning the legality of the loan. I receive no response back but on XX/XX/XXXX XXXX XXXX I receive a missed call from XXXX XXXX XXXX. I return the call at XXXX XXXX and Im told by Mr. XXXX, my account representative, that I have a past due balance of around {$1600.00} and that my account will be charged off if I dont make a payment by the end of the month reflecting negatively on my credit. I set up a payment with him. I then begin to question him on the legality of the loan and he responds by listing the companys credentials and that any matter pertaining to the companys legality is XXXX XXXX XXXX. I then ask for the Lending Agreement. He responds by saying I can either email the company my authorization to email the documents or check online in the Documents section of My account. I head to my account and none of the Lending Documents are there only the updated Privacy Act. I also see that my original loan of {$2500.00} has been closed without my knowledge and appeared to have been refinanced without my knowledge. I call Mr XXXX back to inquire about the lending documents. When I told him the only Documents that appeared was the Privacy Act, he responded with what more do you need then? He then proceeded to read of the loan details but made no attempt to send me the loan agreement. Only after calling him a fifth time did he give me the email contact so I could email the authorization but have no exact time frame of when Id receive a response. I am currently waiting for response as well as seeking legal advice.
06/18/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 37115	Web
On XX/XX/XXXX I contacted XXXX the branch manager at XXXX XXXX to attempt to refinance my auto loan with her, she took my application and informed me that she would get back with me, after a week had gone by with no return phone call, then I called her back and she avoided my phone calls for 3 days straight. On XX/XX/XXXX I decided to call a different loan place to refinance my auto loan with at XXXX XXXX XXXX, I had given XXXX at XXXX XXXX permission to give XXXX XXXX XXXX my current payoff while I was on a conference call with them, XXXX At XXXX XXXX then called back asking why I was moving my auto loan somewhere else and I informed her that I needed to refinance because I needed some additional money for vacation, she waited until this morning on XX/XX/XXXX and called XXXXXXXX XXXX XXXX back and wanted to speak with the branch manager there to disclose my payment history with them and went on to inform them that I had 5 returned checks since XX/XX/XXXX and 4 additional returned checks since then, so the branch manager from XXXXXXXX XXXX XXXX called me right away to inform me that XXXX from XXXX XXXX was calling them and giving them information that neither they had even asked for due to privacy nor had I given XXXX at XXXX XXXX to disclose. I immediately contacted the corporate office of XXXX XXXX to find out why they allowed their branch manager to disclose personal information on me that I did not give permission to do and they had a District Manager by the name of XXXX XXXX call me, but he said it was not against any of my rights or laws for XXXX from XXXX XXXX to call XXXX XXXX XXXXXXXX disclosing my payment history and personal information, but I work at a Finance company as well and it violates my rights and we are not allowed to disclose anything to another creditor, especially to call them back just to make me look bad to the new loan company to keep them from doing my loan. I want something done about this and I want to be notified or if you can refer me to who I need to contact besides their corporate office or district manager because they are taking up for each other and I have all the proof and the branch manager as a witness from the new loan company. Thank you so much for your assistance in this!
07/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28086	Web	Servicemember
XXXX XXXX {$5000.00} Under the Soldiers and Sailors Civil Relief Act I contacted XXXX XXXX in XXXX 2012 to notify them I was going on a XXXX and submitted the regard documents. The company fail to honor my contract under the Soldiers and Sailors Civil Relief Act while being XXXX to XXXX and the clause of the contract that I paid extra fees in case I got injured. I got injured in XXXX and the company fail to honor the clause of the contract as well. As a veteran I contacted to the company to retrieve some information about my account and why they did n't honor the Soldiers and Sailors Civil Relief Act as well the clause of the contract and someone hung the phone up on me. This company continue to this day to report false information on my credit reporting file as a charge off causing me financial difficulties. XXXX XXXX {$0.00} Under Soldiers and Sailors Civil Relief Act XXXX XXXX also fail to suspend my account while serving in XXXX that led to additional charges that we made on my account without being notified. I file a complaint with the BBB and the XXXX XXXX. stated to me that they have no record of me coming into there establishment to cancel my account and that they normal shred the documents the same day. I stated to the rep. I came me as customer and submitted the proper documents why should I be held accountable and not your rep. He simply stated to me that it 's not his business fault it 's mines and send him a copy of my orders. I simply responding by saying " You let fraudulent activity continue on my account for numerous months and fail to reach out to me but soon I come home from a 12 month XXXX I have a bill that 's in collection from XXXX XXXX '' after I came into your establishment and provided the proper documentation. Now I have to contact the XXXX XXXX XXXX and track down some orders from 5 years ago. I do n't think that 's fair for any service member that 's serving overseas to come home and receive a letter stating you owe and debt that you were n't aware of when you simply done the right thing. I paid the account and brought it to a XXXX balance in order to close on my home because, I did n't want this to affect my credit file but I want XXXX to remove this from my credit.
09/03/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 32839	Web	Older American, Servicemember
To CFPB I am writing to dispute and Complaint about Negative Unverfied and anauthorize, Collection Company Highly negative impact on my personal credit report Erroneous collection reporting to all 3 credit Repositories, XXXX XXXX and XXXX intentionally places by the Collection Company XXXX XXXX, on or about XX/XX/XXXX, for unpecefied amount This companies hires 3 party Collections companies that as employed harrasment tactics to try and collect anauthorize unverfied debt, they claim I owe Unspecified amount but yet I was never informed of this alledge unverfied Accounts, XXXX XXXX employed Predetory Collection practices continue phone calls no proof of contract or Signiture or application no Verification of debt was ever sent to my home via USPS the Fair Debt Collection Practice Act 15USC 169q2 ) Sec809 ( b ) that there claim is disputed and validation Letter was sent to XXXX XXXX Certified Mail In XX/XX/XXXX.the Letter stating It was not a request for Verification or proof of mailing address but a request for Validation made pursuant to the above name title and Section please note this unverfied Collection has impacted my good credit standings severly damaged to and lowering my Credit score severely I am XXXX Military Veteran this is a Hardship to my self and my family trying to obtain financing because of the Detrimental Collection placed on my credit file by XXXX XXXX , Relevant to this hurtfull continued Phone harrasment to my self and family members they continue there Phone calls and frequently change there Collection tactics, My family And I feel Violated by Predetory acts, with no regards to privacy a Defamation act tactics very stressful event on my consumer rights to challenge such a flagrant disregard they listed a Derogatory And mark my credit reports as a Collection, With prior notification or veryfying this claim, XX/XX/XXXX to XX/XX/XXXXone year and they never legally provided proof in writing to my residence.I am Requesting that they contact the 3 CRAs Repositories XXXX, XXXX, And XXXX And emedietely Delete this erroneous entry in my credit report.. thank you for letting me post this complaint.
10/18/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SD 57401	Web
Trying to collect on a old judgment from 14 years ago and have had no contact with me until XXXX XXXX sent me court papers with no court stamp or anything on it and said that they were garnishing my wages for a old judgment from XXXX in Wisconsin that I do n't remember I moved to South Dakota in XXXX and was not contacted until the XXXX of XXXX XXXX about this. The original amount was XXXX something according to the clerk of courts in XXXX Wisconsin and they got a judgment for XXXX I was not in Wisconsin I was in South Dakota I left them the collateral In there parking lot and they have added interest of XXXX to the amount so now it is XXXX. I asked for a copy of the file and the lady XXXX XXXX told me no I could not have as it was over XXXX pages. They have not sent XXXX letter to me In the past 14 years and they could have gotten my address and such right off the internet I XXXX myself and I found me and it is on file at the XXXX XXXX Courthouse And has been for years. These papers they sent are not legal were never filed in court yet they charged me XXXX for filing in court for garnishment there is not XXXX XXXX stamp on them and they were sent from an address in XXXX Wisconsin not from the court house but no heading on it just the address. XXXX tactic is what this was my address and such has been in the XXXX XXXX XXXX house for years they said they could not find me yet they say I was served with the judgment papers which would have had my address on them that was returned to them and I did do a complaint with the FTC also. Wait 14 years then add interest to the loan seems like a down right scam to me they could have found me they did now after 14 years not sure how they did that either. I have had numerous loans in South Dakota and not once has this debt showed up on my credit report if it had it would have been paid. XXXX XXXX told me it was undocketed so they never sent it to a credit reporting agency. I have her phone recording I record all of my phone calls. Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you
03/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 382XX	Web
About 7 months ago i lost my job i did find another job but make less money when this issue first happened XXXX and XXXX at XXXX XXXX in XXXX tennessee were amazing they were kind and worked with me to help me from falling farther behind by allowing me to pay {$40.00} per week which i tried my best to do and often did but when i wasnt able they were kind and worked with me recently i went in to pay {$100.00} on my payment and a woman named XXXX whom I have never dealt with was very rude and refused my payment during this visit I also requested to XXXX at the front desk that my wife be removed from my references and not called because i didnt want her knowing my financial business and she told me she didnt want any more calls from them I work in a job where it is very hard to answer the phone and my schedule makes it difficult for me to go to location and i do not have a bank account so i can not make payments over the phone since then I have received at least 10 phone calls per day from XXXX and XXXX with many calls being from their personal cell phones i have the call logs to prove it one day XXXX caught me at a rare time i was able to answer by calling me from her cell phone she apologized for XXXX 's attitude and said she would work with me I requested that XXXX no longer work my account and she said she would make note I told her I would try to bring in money the following business day but my son ended up having a doctor appointment to see a XXXX XXXX and I could not make it and the money I had set aside went to another bill since they wouldnt accept my payment I have inquired about hardship or refinancing to help me catch up and nothing has been offered to me today I have yet again received multiple phone calls with several from cell phones and my wife who was no longer supposed to be receiving calls from them received 3 phone calls I called XXXX the manager to try and resolve this issue and he did not care about my complaint he just wanted to know when I would be in.
06/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	MS 392XX	Web	Servicemember
I obtained a loan from XXXX towards the end of 2016. I have been making my payments that was agreed upon initially every month and they have been reporting me to the credit bureau as behind every month. I have called for two weeks straight and was kept on hold for hours every day. The automated system try to refer me to the online site but I can not get on my account because it keeps telling me to contact customer support. They wouldnt refinance my loan as I requested unless I reapply for another loan which I refused because that would be adding on to my current loan. After my refusal to reapply for another loan, they went ahead and submitted new application which required a credit pull that was declined without my authorization and then they told me that I wasnt qualify anyway. Due to my PCS move to a new state, I took a huge pay cut which was the reason I wanted to refinance but they decline. I asked for copies of the actual contract and the payment history because I had no clue what the balance was and they just ignored my pleas. This has been going on for months. They locked my account and it tells me to contact customer service but its going on 3 weeks now and was put on hold for hours. I receive no update on my payments & balance and recently out of curiousity because I know the loan should be close to being paid off but no luck. I am so tired of these companies getting away with these types of fraudulent business behavior. The sad thing they advertise so much about helping military families and yet theyre taking from them more than helping. I am never working with this company ever again. It was a time of distress that I had to take this loan from them to help cover my brothers XXXX because he was XXXX and his insurance had dropped him because the XXXX treatment was too expensive and this is what I had to deal with. Its so hard to deal with them once I obtained the loan. Dont ever believe their untruthful slogan about helping military families. Its a lie.
12/29/2019	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	MO 65810	Web
I dont fully have access to my credit report so no dates are available for me to give Ive been declined to access my accounts. I cant proof my identity to get a job I am a United States born citizen an I am asked for proof of my citizenship for everything. I cant establish credit with anyone nor can I open any bank account or rent an apartment or house under my name. I got creditors lying on my report The last and only time I was able to access my report reopening accounts I try to dispute things and nothing gets done I receive voicemail daily from companies claiming I have a severe issue with my supposedly financial aid loans I never had. I am wrongly been fired with no explanation from every job I previously had. My tax information supposedly was burned in a fire at the XXXX of the XXXX in XXXX Missouri so when I received my end of the year tax report it was missing information or it was made up information that wasnt accurate because I was highly charged for it. I never received all of my tax return for XX/XX/2018. I have cell phone companies such as XXXX XXXX XXXX and XXXX I had business accounts open with them and I didnt. XXXX XXXX XXXX authorizes equipments and services on my account without my consent and billed me for it and when I asked to have it removed or exclamation they cut my services off but continued to bill me for services for months so now I owe them XXXX dollars. XXXX changed my personal wireless account into a business account without consent and when I sent my phone back to them that I was making payments on they still claim I owe them for it plus months of services I didnt have. XXXX also invades my privacy on a daily basis they tagged my IP address an follows me. Ive seen illegal immigrants receiving loans getting credit cards getting bank accounts receiving high tax returns getting into rental properties getting high paying jobs with little or no schooling an Im as a citizen of this country is restricted to do anything.
07/05/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	WI 549XX	Web
XXXX XXXX has attempted to take me to court for a wage garnishment from a debt I fell behind years ago ( Early-Mid XXXX ) due to job loss./possibility of homelessness. I rightfully would receive an exemption due to having received government assistance within a 6 month time frame and filled out a form stating such. I also currently work for a XXXX XXXX XXXX and am unfamiliar with the legal system so there was miscommunication regarding the paperwork for the garnishment with said company I work for. My checks were then garnished ( before the court made a final decision ) and XXXX XXXX began continuously receiving money from my checks despite my attempt to contact them to explain this. The head branch manager at the XXXX location refused to return any funds to me and threatened to sue me again even if the judge does find me exempt for that moment. I've even mailed proof of why I'm exempt but found out in court ( late XX/XX/XXXX ) they were not going to even present it because the attorney they sent was very unprepared and knew nothing about my case. They still ended up receiving up to {$600.00} and I requested a refund of this which the person ( head branch manager ) responded to with a " sure ''. I've not heard back since but I do see that they have initiated yet another attempt to wage garnish me. They have not even updated the amount that was originally owed to reflect the funds they should have never received from the beginning. I've received nothing but rude and condescending treatment from the head branch manager but most importantly can't believe they would follow through with illegal and immoral practices in attempts to collect a debt that would be considered " small '' given that they are a bank.
04/22/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	TX 77043	Web
There are several issues : ( XXXX ) The creditor has reported Balance and Past Due on the account of {$1600.00} every month since XX/XX/XXXX, but it turns out the actual Balance and Past Due amounts were {$2600.00} as of XX/XX/XXXX ( XXXX XXXX The account was charged off in about XX/XX/XXXX, but duplicate charge off codes were reported every month ever since. The duplicate charge of status codes are the reason I was denied a student loan on XX/XX/XXXX ( account looks like it is very recently charged off ), and I believe this qualifies as credit report poisoning. ( XXXX ) I settled the account in full on XX/XX/XXXX. On XX/XX/XXXX I called Pioneer, and they said " And you said you want a paid letter? ", " Okay, I can get it mailed out for you '', and " I 'm going to get it going, you will get it today, okay? '' ( by email ), but I never received the requested Settled-in-Full letter from Pioneer as promised. On XX/XX/XXXX, I have disputed the inaccurate information on my XXXX credit report, and on XX/XX/XXXX, Pioneer has reported all inaccurate information as verified. In particular, on XX/XX/XXXX, Pioneer reported the account as Charged Off ( correct status Settled-in-Full ), Balance Amount {$1600.00} ( old correct balance {$2600.00}, correct balance as of XX/XX/XXXX {$0.00} ), and Amount Past Due {$1600.00} ( old correct amount past due {$2600.00}, correct amount past due as of XX/XX/XXXX {$0.00} ). Thus, Pioneer has explicitly and intentionally provided false information on XX/XX/XXXX in response to my dispute. ( XXXX ) Furthermore, I believe that the account had been closed when it was charged off in about XX/XX/XXXX, but it continues to be reported as open.
05/23/2018	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	IN 46123	Web	Servicemember
XXXX XXXX XXXX CONTRACTED WITH XXXX XXXX XXXX AND THE MATTER WAS TO BE HEARD BEFORE A XXXX XXXX SUPERIOR COURT ON XX/XX/XXXX UNDER CAUSE NUMBER XXXX. ON THAT DATE AND UPON ARRIVING AT THE COURTHOUSE, XXXX XXXX WAS APPROACHED BY XXXX XXXXXXXX XXXX XXXX. HE INFORMED HER THAT HE WAS AN ATTORNEY FOR XXXX XXXX XXXX. AND THAT XXXX XXXX XXXX WOULD NOT HAVE TO APPEAR IN COURT IF SHE WOULD SIGN A SETTLEMENT AGREEMENT. XXXX XXXX, WITHOUT THE BENEFIT OF COUNSEL, SIGNED A DOCUMENT ENTITLED " NOTICE TO DEFENDENT '' THE SETTLEMENT AGREEMENT. AFTER GIVING LEGAL ADVICE TO XXXX XXXX AND SECURING A SIGNATURE ON A LEGALLY BINDING DOCUMENT, XXXX XXXX THEN REPRESENTED TO THE COURT THE FOLLOWING : " 1 ) XXXX XXXX CONTACTED XXXX XXXX IN XX/XX/XXXX ) THE PARTIES AGREED THAT DEFENDANT NEED NOT APPEAR IN COURT FOR THE XX/XX/XXXXXX/XX/XXXX HEARING '' HERE, XXXX XXXX MISREPRESENTED TO THE COURT NOT ONLY 1 ) WHO INITIATED THE INITIAL CONTACT, 2 ) WHEN THIS CONTACT OCCURED, BUT ALSO 3 ) THE REASON WHY XXXX XXXX DID NOT APPEAR IN COURT FOR THE XX/XX/XXXX HEARING. XXXX XXXX XXXX COMMUNICATION WITH XXXX XXXX IS A VIOLATION OF RULE 1.8 ( CONFLICTS OF INTEREST ) AS MY CLIENT WAS 1 ) UNREPRESENTED, 2 ) WAS NOT GIVEN A REASONABLE TIME TO SEEK OUTSIDE COUNCIL, NOR 3 ) SIGED ANY WRITING WHICH WOULD ABSOLVE XXXX XXXX OF THIS CONFLICT. PURSUANT TO RULE 1.8 OF THE INDIANA RULES OF PROFESSIONAL CONDUCT, XXXX XXXX XXXXS FORBIDDEN FROM SETTLING CLAIMS WITH UNREPRESENTED PARTIES WITHOUT MEETING THE WRITING REQUIREMENT AND GIVING A REASONABLE OPPORTUNITY FOR THE UNREPESENTED PARTY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL.
12/21/2018	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	KY 42071	Web	Older American
In one section of my credit report they have my name and address wrong. I've never spelled my name like it shows in the report and I've never lived at one of the addresses it shows either. They also have some of the companies & the dollar amounts listed 3 and 4 times ... ... .. That's ridiculous!!!! All that does is make my credit look worse than what it actually is!!!!! There's also some companies still listed on my report that I have already filed bankruptcy on 7 or 8 years ago and some 10 years ago that are still on there and they shouldn't be!!!!!! It doesn't matter if a person tries to do the right thing or not because the government is going to do what it wants too anyway regardless if they hurt that person 's feeling or mess up their life to where they are not able to buy anything or if that person tries to safe face from getting embarrassing phone calls or being told they are going to get sued!!!! You know things do happen in life that we can't control, like getting hurt in an accident to work you're not able to work or pay your bills ... ... Or your child is diagnosed with XXXX and you have to be the one to take care of them ... ... but you see the creditors or banks or government or whomever ; they don't care what you're going through, they just want your money. What really gets me is ... ... the creditors are stupid enough to tell you to borrow the money from whomever you have to pay your bills. ... .... all that does is make things worse!!!!!!!! Needless to say I have been working on trying to get my credit scores up for the past 4 or 5 months. It has come up several points!!!
06/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 63028	Web
I got a installment loan with Heights Finance in XXXX. Lost my job due to work comp case in XXXX, they were notified. In XXXX, I received a letter from collection agency for {$3200.00}. I remained in contact with company. In XXXX, I received the last billing statement stating acct balance was {$3200.00}, but I was only able to pay {$98.00}, bringing total to {$3100.00}. The account went into charge off status. Had XXXX on elbow that same month & short term XXXX had not started yet. Company was aware, but continued to call & harass me twice a day even after the change in acct status. Due to the stress that caused, I wrote them & demanded they no longer call me, but to communicate in writing from here on out. Credit report disputes from XXXX, show they reported the balance to be {$3100.00} up until I paid {$3200.00} in XXXX, then they all of a sudden show an unpaid balance, today they show XXXX payments due for XXXX & XXXX. The company has never sent an updated statement showing any unpaid balance-my address has never changed, which could have been paid in XXXX if there were any, but continues to increase it on my credit report. Thankfully I check that or I would have no idea what they're doing!! The company also continues to update the account as if it is currently open. Everything they've sent me in XXXX shows the balance being {$3200.00}, I have a copy of the last statement & the check from the bank & when they processed it. The company themselves reported {$3200.00} for months, then {$3100.00} for months then when it was paid off they added more ... that's WRONG!!
03/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 650XX	Web
Heights Finance put a judgement back in XX/XX/XXXX i was getting a divorce at that time and could n't pay the billing. They did n't start garnishing my wages until XX/XX/XXXX I believe they intentionally waited to garnish/contact you until the debt was almost out of statute in order to accrue as much interest as possible - I have had the same phone number for a number of years. This month in XX/XX/XXXX the garnishment was terminated because Heights Finance profit and Loss did n't give the balance to them since the garnishment. I called profit and loss several times to resolve this matter before they go and file another garnishment and I have tried contacting them several times to see what your options are here and no one will even return your call. My first call was XX/XX/XXXX XXXX spoke with XXXX and she said the manager was on vacation would be back XX/XX/XXXX. So then i called on XX/XX/XXXX and XXXX and spoke with XXXX she said the manager just came back from vacation and has n't looked at his emails or files as of yet. They would call me. then i called again on XXXX at XXXX spoke with callie again and she said the XXXX has n't reviewed my file yet. I have tried to resolve this. But nothing seems to be happening. The Loan was XXXX that was for the judgement now they are wanting XXXX. I am trying to pay this but i do not think it is fair that they just now garnished it in XX/XX/XXXX. I understand i do owe this but at the time i just became a single mother after the divorce with XXXX kids. Now i can pay this but not XXXX! thank you.
08/27/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 60473	Web
On XXXX XXXX 2016, XXXX placed an account on my credit file which i did not recognize. The account was from a company called heights financial corporation.I immediatetly researched the company and loan in question. Obtained. Their Phone number and address. I called and spoke with a representative and explained the reason im calling. They put me in contact with a senior representative spoke with a XXXX XXXX again explaining the situation she researched in her company files is my name, social security number and address that matched any accounts in my name. The research camey up negative she immediatly responded that i doo not have An account with them and werey suppose. To give me a letter stating i have no account in my name to send to the credit Bureau. 2 days passed no letter i spoke to a XXXX she claimed that maybe im mixing up her company with another company. I immediately emailed her the name. Of her company address and city they are located. XXXX immediatetly confirmed the information i send that it was correct. But, still claims its a mix up. Since i last spoke to her XXXX/XXXX/2016, the company has not contacted me about my issue and no evidence they are trying to resolve this matter furthermore no letter i requested. My credit score is suffering and Heights Financial corporation is giving me no support and a cold. Shoulder. They are not helping me and in need of some. Organisation to help, Please help me resolve this issue.
11/20/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46902	Web
XXXX XXXX is a small lending company that operates in my city. A few years ago, I received a loan from them, and it's been nothing but a nightmare since. For starters, the staff at the XXXX office has used abusive practices including demeaning me when I fall even a week behind on my monthly payment. I've been hounded and harassed by their regional managers ( I believe they're called this ) and even been threatened with action against my credit report - even when I was on time! I believe fees were unnecessarily put on my account, although I've been denied access to my account to prove such. The amount they purport I owe is almost as much as I borrowed - almost two years later. Yesterday, XX/XX/XXXX, I received an alert by XXXX XXXX that a " civil action '' entry was put on my credit report - and there are NO open cases in XXXX County, Indiana which was initiated by XXXX XXXX. This is an abuse of power to harm my credit. Today, XX/XX/2018, I received an alert from XXXX XXXX that a hard inquiry was made on my credit file. I have not applied for a XXXX XXXX product, and there is no permissible purpose for pulling my credit as a hard inquiry. This has done unnecessary damage to my credit report, and I will be seeking redress for this. I wanted this complaint on file with the XXXX XXXX XXXX XXXX. I will be seeking private counsel to take civil action against XXXX XXXX for the damages they have done to my credit report.
06/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33172	Web	Servicemember
XXXX XXXX at website XXXX XXXX XXXXXXXX gave me a loan that I paid off completely account # XXXX. After I paid off the loan I received a congratulations message 2 times from the company and they offered me 2 times more money and a new loan amount. I accepted the new loan and began sending in payments before the due date of XX/XX/XXXX for the new loan. I payed the 1st payment of XXXX in XX/XX/XXXX and suddenly they began sending messages that I owed them a payment and a late fee of XXXX by email all of a sudden. I showed them every email that stated XX/XX/XXXX was the payment due date for the 1st payment although I payed XXXX in advance of that date. I forwarded all the emails ever sent to me about all the dates and payments and receipts of payments to the consumer advocate on their website as well as XXXX to prove that I knew what I was talking about and that they are messy with their books. They reccommended that I call some number and speak with someone who claimed they waived the fee but she never admitted to the mistake. I told her I would email proof and go even further as to file a suit if necessary for them trying to mess with my credit score by denying me due process. She reassured me by phone but not by email which I found to be very suspicous because they add on fees which they magically construe without explanation and then lie about it until you prove that they can be sued.
03/06/2018	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 32547	Web	Servicemember
During one of my deployments a XXXX XXXX loan was refinanced in my name. I was unaware of this debt until about XX/XX/2017. This account wasnt opened by me but to prevent loss of my clearance I caught the payments up and have been making them in effort to prevent my credit from taking any continued downspiraling. I contacted XXXX to request a goodwill effort to have the late payments removed from this account because I was unaware of the loan and was XXXX when it was opened / refinanced. I have never heard from anyone about this issue. I make the monthly payment on time and digilently did what was necessary to bring it current when I found out this account had been refinanced. XXXX XXXX XXXX is suppose to be a company looking out for servicemembers but instead it seems like a predatory lender. High interest rates and no flexibility to help servicemembers .Where are the benefits for servicemembers on XXXX or protection? I am not asking to discharge the loan only asking for XXXX to remove the negative payment history as i was on XXXX to XXXX when the loan opened and when the late payments occurred. I have made numerous attempts to get help with this by contacting the Customer Advocates, XXXX XXXX and XXXX XXXX only to hear nothing back. In the past I had a good relationship with XXXX and that is the only reason I took responsibility for this loan I did not open.
08/15/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	MD 20601	Web	Servicemember
I was entered into a loan with XXXX XXXX XXXX XXXX through Mid-country Bank back in XX/XX/XXXX. The account was paid up on time by automatic withdrawal ( which is required by their services in order to obtain the loan ) all the way up until XX/XX/XXXX. At this time I was almost done paying off the loan and was suggested to refinance the loan to borrow more when another issue aroused. When I did such the bank supposedly paid off the remainder of that loan with the new loan amount ( a roll up ). A few months later they kept calling me and sending me letters saying I still owed for the older loan and refused to delete that amount or remove it from my credit report. I was still paying on the new loan by automatic withdrawals until they kept adding interest did the prior loan at this time when my bank account was closed for fraudulent activity they closed out both my accounts and placed them on a charge account for two separate loans that are on my credit report as we speak. I feel that they have violated my military lending rights as well as predatory trying to collect a debt that was already included into a new debt. As a result of this Mid Country Bank is reporting to the credit reporting agencies that there are two outstanding debts ( charge offs ) on my credit report potentially affecting my financial records which could affect my job.
07/12/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	RI 02904	Web	Servicemember
I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.
05/21/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IN 47302	Web
I got a personal loan for XXXX. They are charging me 35 percent apr, plus a XXXX dollar " finance charge ''. They forced me to have insurance on the loan for if I lost my job or had a financial hardship it would pay the payment. I ran into some money trouble, and the finance company refused to let me use insurance to pay payments, putting me almost XXXX payments behind. I caught it back up, but they charged me over XXXX dollars because they turned it over to their attorney " just in case ''. The manager then said if they took me to court that I did n't need to go. As I have been paying my payments, they refuse to give me my balance. On XXXX of my receipts, I saw a balance at the bottom, and the loan officer said that 's not your balance because yours is higher. They literally are marking out the balance on the receipts and saying if I wan na argue about it they will just garnish my wages. From the start, my XXXX dollar loan was over XXXX. Now, they 've added over XXXX for " legal fees '', plus say that it 's 35 % interest a year. I got the loan XX/XX/XXXX, and they say I still owe XXXX dollars at XXXX dollars a month. I ca n't keep paying this loan. I 've already paid it back plus some. Can you please help me and my family?
12/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 086XX	Web	Servicemember
Good morning, I am XXXX XXXX in the United States XXXX XXXX and have been for XXXX years. I am attempting to get a home loan. My two children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, XXXX and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
09/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60188	Web
I have an installment loan with XXXX XXXX XXXX in XXXX, Il. I am behind in my payments due to a job loss and starting a new job making less money. I am behind in several bills and have started a bankruptcy ( Chapter XXXX ) through an attorney. I was told to give the information to the finance or credit companies so they can deal with the attorney instead of calling me. I gave XXXX XXXX my attorney information on XX/XX/18 ( through online portal ) and again XX/XX/2018 on the phone. On XX/XX/18 they are still calling me regarding payment. Not only did XXXX call regarding payment she called my work asking for me and when I wasn't there she asked to speak to the payroll department. I called and spoke to her this morning, XX/XX/2018. I again gave her the information for the attorney and demanded that she stop calling me. I also asked XXXX what she wanted with the payroll department and she said she was just verifying employment which was a lie. She already knows I work here since she continues to call me at work even after telling them to stop. This is also the third time I have told them to quit calling me at work which hasn't worked in the past since they continue to do so.
07/07/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AE XXXXX	Web	Servicemember
Pioneer services has a loan of ours which we stopped paying on because they cant send us proof of a signed contract. the time this loan was taken out our ID and SSN were stolen and a lot of drama came from it. For some of the stuff we actually thought it was us but turns out a lot of it was n't. Now they keep harassing my mom who I have n't talked to in a long time and calling her day in day out We are stationed overseas and do n't have any contact with her since my dad passed away. She is getting XXXX at us and we still do n't have papers showing a signature. We looked online and the papers on there do n't even have a signature. They have called her over 20 times now and its very tiring to hear from someone who we do n't even speak too!! They need to stop RIGHT AWAY with contacting her or any other person they think we might be related too. We do not live in Indiana nor will we ever and we are n't related to her in any way other then she was my dads wife while he was alive!!!! CEASE CONTACT WITH THEM ONLY CONTACT US DIRECTLY AND ALSO DO NOT CONTACT OUR EMPLOYERS!!! give me proof and I will gladly pay!!!
06/29/2018	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 Problem with personal statement of dispute	GA 30907	Web
I sent a validation letter to XXXX XXXX, a Division of XXXX XXXX requesting validation for a debt that is listed as a chargeoff. The company has received this validation request on the XX/XX/2018 and has not been able to validate this debt. I have requested that they send me 1 ) Debt validation in the form of an original bill and detailed statement of procedures, 2 ) An agreement that authorizes them to collect this debt, 3 ) The agreement bearing my signature stating that I have agreed to assume the debt, 4 ) Valid copies of the debt and interest charges, if any, 5 ) Proof that the statute of limitations has not expired, 6 ) Complete payment history on this account along with an accounting of all additional charges being assessed, if any, 7 ) Proof that they are licensed to collect in my state and 8 ) The company 's license numbers and Registered Agent. The company has failed to provide me with any of the information that is listed but yet, they have responded to all three credit agencies that this debt is valid and they are continuing to report this chargeoff on my credit reports.
09/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33172	Web	Servicemember
This is an ECOA complaint for unfair lending practices. XXXX XXXX XXXX Made two loans to me between XX/XX/2017 and XX/XX/2018. The first one was for XXXX and the second one for XXXX. I payed them off within 3 months time and with no late payments and when I applied for the 3rd one I was denied and given this message that I had to credit to receive the loan. I was rejected for no reason and as if I were never a customer with them to begin with. I have all of my payoff emails and documents from the bank as well as bank statements to prove the dates the loans were deposited to my accounts. " '' '' Unfortunately we were unable to approve your loan request due to delinquent past or present credit and/or limited credit experience. We consider all possible loan options during the evaluation process, if a counter offer could have been made at this time, we would have done so automatically. Should you have any further questions, please feel free to call us at XXXX or XXXX. XXXX XXXX XXXX XXXX A Division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone XXXX Fax XXXX '' ''
08/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30331	Web
The company won a garnishment against me in a judgment on XXXX XXXX 2019. The garnishment did not commence until XX/XX/2019. The garnishment was paid in full on XX/XX/2019. The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. This company held me XXXX for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.
03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AE XXXXX	Web	Servicemember
Step 1 : What is this complaint about? XXXX pulled my credit report without my permission. When I asked why, I was told that the representative was not willing to put the reasons why in writing. Step 2 : What type of problem are you having? I have never used XXXX services before. I want to know why my credit was pulled, and why is this still an ongoing thing. Step 3 : What happened? Back in 2011, I tried to purchase a plane ticket for my son, to fly him to where I was stationed in XXXX XXXX, Wa. The military would not book my son a ticket on the same airline because they did not partner with them, so I told XXXX I would not be needing their services. I never used the ticket. I have spoken with them numerous time, but they are still showing up on my credit report as delinquent. I do not owe them anything. Step 4 : What company is this complaint about? XXXX Services Step 5 : Who are the people involved? Just myself and XXXX.
09/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77521	Web	Servicemember
I had a loan with Pioneer lending as a young soldier in the military. I deployed into a XXXX XXXX for XXXX months and became XXXX XXXX. When I contacted this company to tell them about deployment so that SCRA protections would fall into place, they never took action. When I became XXXX serving my country, the company did not look into the " XXXX protection '' on my account- when my Wife made them aware of the XXXX blast. Instead, this company continued and still continues to hike on excessive interest rate- for years. To the point that this company now reflects a {$11000.00} balance on a debt that was originally {$4100.00} written off after I became XXXX. That is {$7400.00} added to the initial balance. How is that legal, when there is a cap on interest rate so that soldiers are protected from companies like this? Why was my XXXX protection that I paid for monthly, not used when I became XXXX? This company is predatory.
04/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 54935	Web
I lost my job in XX/XX/XXXX and was unable to make payments on my loan. I obtained a job in XX/XX/XXXX and made one payment right away. XX/XX/XXXX my daughter was sick so I was off work for a short time. I was unable to make a full payment for XX/XX/XXXX. I offered XXXX $ one week, XXXX $ the second week and did not hear back from them until the sent me a default letter in the mail. The manager emailed me today and stated that I had not offered a viable payment and that because of that they would garnish my wages. I am attempting to pay what I can until I either gain a XXXX job or get back on my feet and can make the larger payment in full once a month. I explained to her that had she taken the smaller amounts it would have added to the larger payment but no response. She has not sent anything to court to be legally able to garnish my wages. I am attempting to offer smaller payments but they are not being accepted.
03/29/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MN 55129	Web
MidCountry XXXX sold my loan to another company " B '' on XX/XX/XXXX. I received two XXXX forms from both companies in XX/XX/XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XX/XX/XXXX. I reached out to MidCountry XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. The same thing happened when I contacted company B. In total, I spent more than 4 hours talking to both companies back and forth multiple times, which was a very frustrating process. Eventually, MidCountry XXXX admitted they made an error on the XXXX form on XX/XX/XXXX, which negatively impacted my tax return filing for XX/XX/XXXX. The staff apologized to me in email. However my request for a compensation of my time : $ XXXX/hr * 4 = {$240.00} from MidCountry XXXX for their mistake was completely ignored.
08/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 38501	Web
The attorney, XXXX XXXX, threaten me with lawsuit and stated that I do not pay my bills when I tried to give my bankruptcy attorney information. He hung up on me and when I called back, He would not give me his last name until I confronted how he was acting and this is not how an attorney is suppose to act nor say the words he was using to me. I stated that I wanted no contact written or oral from the XXXX XXXX XXXX and he said that he can contact me and I stated with the FDCPA, I am giving notice of no contact, he disagrees and again tried to belittle me because of filing chapter XXXX bankruptcy. At the beginning of call,. I was threaten to be sued and when he hung up on me and I called back the case now was in process of a lawsuit. How does that happen within minutes of a conversation? Very unprofessional and consumers should not be a threaten or belittled.
08/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91320	Web	Servicemember
While in the military I took out a loan. Upon discharge I ran into financial pitfall. XXXX XXXX military lending company refused to accept payment directly from me and mad me pay their collector. Account payment was agreed And settled in full with documentation to prove. I called XXXX XXXX company they said the account was closed and paid in full. I filed multiple disputes to have the account corrected. I called the primary creditor only to have the agent say that they will not report the account paid in full even though it is for 60 days. I told them they were lying to the CRA about the status and she said well it took you longer to pay us back. I continued to file disputes showing documentation and the creditor continues to say account is delinquent and add interest charges. This here is classic example of creditor taking advantage and punishing customer.
01/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 238XX	Web	Servicemember
I am currently XXXX XXXX military and have been trying to obtain my secret clearance. On the process of doing so I found some creditors from accounts that my ex-wife opened without my knowledge. Two of the accounts were from the same Creditor by the name of XXXX XXXX. When I called XXXX to find out where the debt was from and see if there was anything I could do to resolve the account they told me that they didn't have the contracts or agreements of the loans. They simply had a letter with very vague info stating the amount owed on the loans. The account number XXXX that was charged off was for the amount of XXXX and they want XXXX to settle the debt. The other account they claim is mine is XXXX in the amount of XXXX XXXX to settle. They do not have proof that the accounts were opened by me and the accounts are no longer on my credit report.
08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC XXXXX	Web	Servicemember
Good evening : The information concerning the Pioneer/Mid Country Bank loan ( # XXXX ) that is on my credit file with the three credit bureaus is being reported correctly/fairly to XXXX. However, the information is not being reported correctly by Pioneer/MCB to both XXXX and XXXX. Pioneer indicated that I must file a dispute with the credit bureaus to have information on my credit file corrected. I have already filed disputes with both XXXX and XXXX. However, as of XXXX XXXX, 2017, the results of each of their investigations claims that the information is being reported correctly to their respective companies by Pioneer/MCB. The information being reported to XXXX and XXXX is not correct. I have attached supporting documentation that shows the inaccuracies in my credit reports as of XXXX XXXX, 2017, along with proof of payment.
03/07/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 624XX	Web	Servicemember
I have an installment loan that I have had for about 4 years now. My vehicle is being held as collateral. Heights Finance will call my phone and my place of employment up to XXXX times per day each. Often times due to only one person income I pay within 30 days of due date. My recent ACH payment has been returned after only being processed once in my bank account. XXXX XXXX from the XXXX IL Branch, contacted my place of employment and spoke with one of my co-workers which happens to be one of my employees and advised her of the amount that I was behind and that the check had been returned after the co-worker advised that if it was regarding a debt she should really contact my personal cell phone. She has also left messages threatening a judgement for being 30 days late.
01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
In XXXX of 2017 i was notified by a XXXX XXXX a loan company out of XXXX XXXX. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XXXX the XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it's my debt. My accounts and checks where stolen from the XXXX XXXX XXXX there was several with draws taken out and also drained our savings account.
06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 610XX	Web
On XX/XX/XXXX I sent a dispute to XXXX XXXX at XXXX. Clearly indicating that I was disputing information that I had not disputed in the past. As of XX/XX/XXXX I have received no response and the incorrect information is still on my credit reports. There is a 30 day late payment showing on my XXXX Credit Report for XX/XX/XXXX, and a 60 day late payment showing on my XXXX Credit Report for XX/XX/XXXX. So according the my credit report if I was 60 days late in XX/XX/XXXX then the date of first default would be XX/XX/XXXX. I was not late in XX/XX/XXXX and I sent XXXXXXXX XXXX my dispute including copies of canceled checks showing my payments from XX/XX/XXXX - XX/XX/XXXX. The account was paid in full in XX/XX/XXXX.
04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web	Servicemember
On XX/XX/XXXX my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XXXX for an account paid in full in XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.
08/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WI 53083	Web	Older American
Had a loan with Heights Finance. My daughter had a XXXX and was not working. My daughter and I live in the same house only different apartments. We combined our money to pay bills. It got tight but were doing our best to keep up. On XX/XX/XXXXheights finance discussed my entire acct with my daughter without my permission including payment amount and deferring a payment on the loan including the exact amounts needed to pay the loan and made payment arrangements on my acct without written consent. XXXX at our local branch then proceeded to call me and tell me that my daughter was XXXX and did n't know what she was doing and i should n't be helping her out with her bills, which is none of their business.
02/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 36330	Web	Servicemember
I informed the company XX/XX/XXXX to stop automatic payment, due to not having the available funds in my account due to on going legal actions and being a XXXX XXXX XXXX and XXXX XXXXe veteran not XX/XX/XXXX This company continue to draft my account causing multiple over draft charges to my account. I have the email letter that I sent to them. The repersentative from this company called me several time after I said I would call them back after speaking with my advisor. The person still called me back which I found to be harassment. The individual also called before XXXX and would not listen too me, talking over me so I told him by due my XXXX flaring up. Thanks XXXX
03/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TN 37027	Web
On XX/XX/XXXX a debt was paid in the amount of {$530.00}, payment receipt # XXXX to XXXX XXXX XXXX, XXXX. A representative of XXXX XXXX advised that the updated information will be updated with bureaus within 14 days. As of this day, XX/XX/XXXX bureaus are still reporting incorrect information. I called XXXX XXXX again this date and no one was able to advised me if the information has been updated. NOTE : My checking acct shows payment withdrawn in the amount of {$530.00} on the XX/XX/XXXX. The use of credit is updated within hours on reports, it should also update within hours when repairing, repaying, or logging incorrect information complaints with creditors.
09/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30223	Web	Servicemember
I have disputed this debt with credit bureaus ; however, they will not allow me to request a further dispute. This debt is from XXXX. Pursuant to FCRA and GA statute OCGA 9-3-24, this debt should not be on my credit report because it is 9 years old. This is no way admits that the debt is mine or that it is valid. I am simply wanting it removed pursuant to federal and state law. PIONEER/ MID COUNTRY BANK Account number XXXX .... Recent balance {$1800.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Account charged off. {$1900.00} written off. {$1800.00} past due as of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX
11/24/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	IL 60185	Web
On XXXX XXXX, 2017 I took a personal loan for XXXX from Heights Financial. I closed the loan and questioned why they were making me sign for credit insurance and an auto reward membership. I asked twice why I had to get these and it was explained that this was part of the loan. I signed the papers brought them home and in further review see I was charged {$530.00} for insurance premuims and {$240.00} for some XXXX XXXX XXXX. I called and asked why this was on my loan on XX/XX/XXXX and was told well you signed it so nothing you can do. If you dont want us pay us off. This is shaddy unacceptable business.
12/14/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	MO 656XX	Web
my XXXX XXXX XXXX was fully covered at XXXX XXXX with a loan. that loan was provided with full coverage.the total amount was paid off with XXXX XXXX of XXXX mo.XXXX XXXX refinanced the loan with full coverage. the motor vechile was hit in a car accident. the car was tottaled. undriveable. this accident was not my valt the other driver was in coming traffic and hit my car. another diseal came up behind my car. the bank repoled my car.at the same time I had XXXX lifetime membership with my car.t this time all companys has been notifed. all companys are dening service of insurance.
06/04/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92058	Web	Servicemember
A problem happened with the allotment I had set up and it stopped, so I got behind in payments. They agreed to refinance so that I could get current but for the past XXXX years all the payments I have made have gone only to the interest. And they told me today that I am XXXX dollars behind and the total balance is XXXX. The total original amount was XXXX. When I requested a copy of my loan documents they refused to send them. When I tried to access the documents through their website the site only comes up with an error message and directs you to contact Pioneer via phone or email.
06/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 47304	Web
I mailed a letter to Heights Finance Corporation on XX/XX/XXXX about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them. The company sent a letter back, dated XX/XX/XXXX, saying the inquiry was as a result of an application from XX/XX/XXXX, which I did not do. They failed to send any documents to support their claim. I requested the inquiry to be removed from my credit report and they failed to do so.
04/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78613	Web	Servicemember
I fell behind on payments and this account was charged off XX/XX/XXXX with a balance of {$770.00} and this has been the charged off balance since XX/XX/XXXX on XXXX, XXXX and XXXX. I recently applied for a home loan on XX/XX/XXXX and 2 days later this creditor has added {$720.00} to the charged off balance and now today they have added {$34.00} to the charged off balance bringing the balance to {$1500.00} on all three credit bureau. They are inaccurately reporting the balance owed on all three credit bureaus and inaccurately adding more to balance owed.
10/02/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	IL 62521	Web
Today XX/XX/XXXX a female named XXXX called my employer. She stated to my employer she was XXXX from heights finance and asked questions about me trying to collect a debt. On XX/XX/19 I revoked my voluntary wage assignment in writing. On XX/XX/19 I informed them I was filing bankruptcy and they could contact my attorney. I gave them all my attorney information at that time. My employer called me immediately after and was wondering what this call was about. I had to give my employer more personal information about my bankruptcy them I had planned too.
07/20/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	IN 463XX	Web
I lost my job but I bought the insurance to pay for my payment in case that would happen. I talked to someone when they called and they said they could n't do anything about it. Also when I refinance my loan, they did n't take the principal amount to calculate the new amount but the whole loan ( with all the interest calculated in ) making the payment that much higher. Also it is confusing because on their webpage there is only the " full amount '' loan amount plus all interest. I feel that that is not right and some shady loan practices are afoot.
07/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 402XX	Web
XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX financial has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.
09/22/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 810XX	Web	Servicemember
Civil action was taken against me with Heights Finance. Attempting to work with them directly, the company would not answer any questions regarding the account over the phone and were extremely rude each time a call was placed. I paid off the debt completely in XXXX of 2015 and the company is still reporting to the credit bureau 's that the account is open as of XXXX XXXX 2015. I contacted them in an attempt to clear this matter and they refused to speak to me. I believe they are doing this as a form of retaliation.
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30331	Web
The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. The company never posted the payments from the garnishment and never closed the account. The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. This company has held my credit hostage for over a year even after full repayment. Never ever get a loan from Heights Finance
10/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23513	Web	Servicemember
This account was charged off as a negative item. I kept receiving updates that they were still reporting late payments and still adding interest after it was closed. I went from owing XXXX something dollars to XXXX something dollars. I called to try to pay the settlement but they were still trying to charge me XXXX something dollars. I was hoping theyd stop reporting late payments its just making my credit score drop even more and its making it harder for me to buy a house, or get another credit card.
07/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 162XX	Web	Servicemember
Took out a 60 month loan with XXXX XXXX XXXX for {$11000.00} at 19.99 % on XX/XX/2013. Total Payoff with interest would be {$18000.00}. We made 46 payments totaling {$17000.00} Went to make final payment and noticed several recent late fees on top of what should be a {$200.00} balance, company claims that we owe {$590.00}. I have spoke with several supervisors and managers with no resolution. I have sent all payment history to them as well. With no dispute over the amounts or dates!
09/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	CA 93245	Web	Servicemember
I XXXX XXXX XXXX XXXX, have tried to contact Pioneer Services but they have closed for business as per their website ( https : //www.pioneermilitaryloans.com/ ) and the have sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX . I have tried to contact the new company and inform them about the XXXX and that I'm XXXX XXXX military. The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
09/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61103	Web
I filed Chapter XXXX Bankruptcy in XXXX. Heights Finance was included in the bankruptcy. From XXXX Heights finance showed the account as closed and included in the bankruptcy. In XX/XX/XXXX Heights Finance reported the account as " failure to pay '' for the month of XX/XX/XXXX. This account should not be reporting any delinquency after XXXX as it was included in the bankruptcy. This negative reporting caused my score to drop 11 points while in the middle of underwriting for a mortgage.
05/19/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77340	Web	Servicemember
XXXX XXXX has bought multiple minuscule debts of mine to get me to pay more money. One of the debts was originally owned by XXXX XXXX. I was summoned to court over a month ago. I tried to work a payment plan out with the lawyer there but she couldnt get in touch with anyone at the office. I was told I would be notified by email or a phone call within the next 30 days and specifically told them to leave a voicemail if I did not answer. No call at all in over a month
05/09/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	NC 28314	Web	Servicemember
Debt collector is calling 8+ times a day and is also calling and harrassing friends and family by somehow getting their private numbers. it was my understanding that I had settled with the debt collector for a predetermined amount yet they continue to call and harrass myself friends and family. if they had told me a certain amount was all they were wanting and I have paid that amount they need to stop harrassing me for more money. We had an agreement.
09/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37066	Web
This company has reported a charge off on my credit report. I paid this account in full through a wage garnishment. Garnishment stopped when it was paid in full, yet it is now listed as a charge off. When I called the company, they state the debt was not paid XXXX full and garnishment was stopped in error. This is absolutely NOT true. I want this charge off and all bad reports from this company removed from all of my credit reports
10/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46410	Web
I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XX/XX/XXXX balanceXXXX, XX/XX/XXXX balance of XXXX, XX/XX/XXXX balance of XXXX, and XX/XX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.
10/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 466XX	Web
Received a garnishment notice from my employer. I was working with the finance company and trying to set up a payment plan. The loan amount was {$3500.00} and I had paid approximately $ 400- {$500.00} towards the balance and they submitted the garnishment to my employer. They have already taken {$1900.00} in garnishments to date. I NEVER received a demand letter or notice of garnishment from them. Please help
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 334XX	Web	Servicemember
A loan was taken out on XX/XX/2014. The last payment received was XX/XX/2014. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.
06/05/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 309XX	Web	Servicemember
I am military and I am going through a hardship right now with my wife going back and forth to custody court for her daughter and her father had XXXX her. All my creditors are working with me to get lower payments except for one Pioneer Services. They unwilling to work or budge at and they state that they are in support of the military i have asked many times and contacted them many times with no resolve.
07/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30331	Web
The account was paid in full on XX/XX/2019. The creditor was awarded a judgement for garnishment against me on XX/XX/XXXX. They left the account open and didnt start the garnishment until XX/XX/XXXX. I paid it off in full XX/XX/XXXX. They reflect the account as still being open and being in bad standing. They never reported the judgment or the payment. And the charged me over what judgement was.
11/06/2018	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	ME 040XX	Web	Servicemember
In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.
08/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 630XX	Web
Heights Financial calls 3-5 x 's a day and leave messages 3x 's a day as well. It is harassment to leave 3 messages a day literally minutes apart. XXXX/XXXX/16 Heights Financial called me at XXXX, XXXX, and XXXX ... each time a message was left. That is 3 messages in 30minutes!! That is excessive!! I have phone records and voicemails to prove this has happened multiple times.
12/13/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 61832	Web
The creditor calls my workplace on several occassions knowing that it would be difficult in my work setting and my employer does not allow phone calls at work. The creditor also sent a letter to me stating that they will notify my employer of the debt in order to get payment in 5 days if i dont set up payment arrangements even after wage assignment had been withdrawn by me.
03/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Public record information inaccurate	KY 40211	Web
This loan was opened XX/XX/XXXX This account was included in a bankruptcy chapter XXXX filed XX/XX/XXXX case number XXXX This company Refuses to State and list on my credit report that it was is included in a bankruptcy It also Continues to list as a past due account till XX/XX/XXXX they also refuse to provide a date that this item will be removed from my credit report
11/02/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WI 539XX	Web
I have a loan that was to be paid off to Heights Finance after over a month of attempting to gain the pay off figure I have yet to been able to obtain that amount, meanwhile they are attempting to repo the car. I have called, faxed and went to obtain the loan and could not get the exact pay off. The company has completely ignored the requests.
07/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	SC 29418	Web	Servicemember
This is an old debt from the military. Since XX/XX/XXXX and I had filed bankruptcy in XXXX XXXX. They are still reporting negatively on my credit report. I really need help to remove them for good. This debt is really old. The creditor is Pioneer Military Loans from XXXX. They know the debt is old but they keep refreshing on my credit report.
11/23/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	CO 80921	Web
There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted immediately!!
06/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 604XX	Web	Servicemember
Loan account through XXXX XXXX XXXX was closed and charged of in XX/XX/XXXX with a balance of {$4000.00}. I filed a dispute in XX/XX/XXXX with the three Credit Bureaus regarding the validity of this account. XXXX XXXX responding by increasing the balance owed to {$10000.00} which is now reporting to the Credit Bureaus.
11/09/2017	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 37115	Web
I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was removed.
08/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AE XXXXX	Web	Servicemember
I was going over my credit report and saw that a company pulled my credit 3 times and they had no authorization to do so. This is illegal and is a violation of my privacy. This has also had a negative impact on my credit and is causing the process of obtaining a mortgage loan to be a bit more difficult.
10/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60623	Web
XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit report.
05/23/2017	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	MN 55105	Web
I have XXXX hard inquiries on my credit report that I have been done without my consent. XXXX from XXXX XXXX XXXX XXXX dated XXXX XXXX 2017, XXXX from XXXX XXXX dated XXXX XXXX XXXX and XXXX from XXXX XXXX dated XXXX 2017
03/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21206	Web
XXXX XXXX ran two Hard Inquiries on my credit report ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.
11/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 863XX	Web	Servicemember
Pioneer Mid-Country Bank has annotated that my previously discharged bankruptcy was instead dismissed. It was discharged. I called the phone number on my credit report but the person who answered said that Pioneer is no longer in business.
08/29/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PA 19136	Web	Servicemember
I sent a goodwill letter to XXXX disputing an amount of {$4400.00} and they are charging 34 % interest rate. I have attached a letter sent to them on XX/XX/18 which they have not responded to.
05/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WI 54403	Web
Small Claims was filed against me for this loan, when I did not sign any loans documentation/nor is my name listed on the contracts for this lending company.
03/21/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web	Servicemember
Did not received any documentation to the response the company made to previous complaint : ID XXXX. Will like documentation that support response.
11/20/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	VA 233XX	Web	Servicemember
Consistently made payments and company continues to report to credit bureau that payments are late.
03/26/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30809	Web	Servicemember
I have this account showing on my credit reports but I have no knowledge of this company.
09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 65807	Web
This business has called me at my employer repeatedly and on a daily basis.
05/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN XXXXX	Web	Servicemember
Acct is reporting inaccurate late payments and never late
12/19/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76549	Web	Servicemember
It written as charge off but still on my credit
12/29/2023	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	IL 61103	Web

12/12/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78131	Postal mail	Servicemember

07/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28376	Web

07/01/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 93955	Web	Servicemember

06/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Referral

06/12/2019	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 15145	Web

05/31/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	MN 55313	Web

05/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78234	Web	Servicemember

05/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78234	Web	Servicemember

05/08/2019	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 15145	Web

05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 631XX	Web

04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32256	Web

04/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07105	Web	Servicemember

04/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20874	Web	Servicemember

04/11/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79525	Web	Servicemember

04/02/2019	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	PA 15145	Web

03/11/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 44720	Web	Servicemember

03/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	XXXXX	Web	Servicemember

02/27/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60411	Phone

01/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28655	Web	Servicemember

12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63134	Web

11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60429	Web

10/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	IL 60051	Web

10/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 80817	Web	Servicemember

08/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06513	Fax

07/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07010	Fax

07/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92345	Fax

07/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73505	Web	Servicemember

06/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60643	Fax

06/19/2018	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	TN 38501	Web	Servicemember

06/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90021	Web

05/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33172	Web	Servicemember

05/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11206	Web	Servicemember

05/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61065	Web

05/01/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 618XX	Web

04/20/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32256	Web

04/17/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 31533	Web

03/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61073	Web

03/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92345	Fax

03/03/2018	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	MO 65810	Web

02/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76542	Web	Servicemember

02/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23801	Fax

02/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32210	Web	Servicemember

02/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 64801	Phone

02/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	FL 33647	Phone

01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20781	Web	Servicemember

01/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72712	Web

11/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 63857	Web

11/15/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 38501	Web

10/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23604	Web	Servicemember

10/19/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28804	Web	Servicemember

10/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	HI 96818	Web	Servicemember

08/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77053	Web

08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78253	Web	Servicemember

07/07/2017	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	WI 53546	Web

06/29/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37040	Web	Servicemember

04/29/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37148	Web

03/01/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AK 99505	Web	Servicemember

02/24/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92025	Web	Servicemember

02/10/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 22408	Web	Servicemember

02/10/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 22408	Web	Servicemember

01/27/2017	Yes	Credit reporting	Incorrect information on credit report Account status	KY 40601	Web

01/20/2017	Yes	Credit reporting	Incorrect information on credit report Account status	TX 76502	Phone	Servicemember

01/13/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30253	Referral

10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23454	Phone	Servicemember

08/04/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	TX 76712	Web

06/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98375	Postal mail

05/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 33594	Web	Servicemember

04/14/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 63116	Web

04/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91910	Web

03/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63033	Web

12/02/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	TN 37187	Phone

10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 38068	Phone

08/06/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28304	Web	Servicemember

04/27/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NV 89081	Web	Servicemember

03/18/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 46240	Web

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	AR 85705	Phone

01/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IN 46350	Web

12/31/2014	No	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71106	Web	Servicemember

12/12/2014	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 61108	Web