| 06/15/2021 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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My husband and I applied for a boat loan and were sent a letter though email saying it was a quote of the length of months and interest rate for the loan. The letter showed a chart of different options for us to choose from at a rate of 4.49 % and up to 180 months. It said to upload our picture IDs and W-2s on their online portal. After I uploaded all documents, I called the loan officer and left a voicemail to let her know I uploaded all docs and I entered my w-2 on another tab since there wasnt enough room. The loan officer called me back and told me the interest rate was 9.95 % and at XXXX months. I told her that wasnt what I read on the quote and that I saw 4.49 % and up to 180 months. She said that wasnt sent by me. I tried to look for the email while she was on the phone and couldnt locate it. She again said, that email wasnt from me. I told her I would talk to my husband and call her back. After I hung up, I looked and found the email quote which showed the 4.49 % and up to 180 months sent by her company. I forwarded the email to the loan officer showing her the quote and asked her to honor it. She called back and was rude and said no, cant do it. I told her that I would see if I can shop around for a lower rate because that was too high and asked how much time do I have to look around. She told me I had 45 days. As I was hanging up, I looked down at my table and saw our IDs on the table since I had took the pic to send to the loan officer and didnt put them back in our wallets yet. I then realized that I received a different rate after I sent our IDs over and shows my husbands picture ( he is XXXX American ). I was hoping that wasnt so, but it was. I was going to ignore it but it bothered me a lot. I looked online and saw there are laws against finance discrimination. I called the loan officer back and left a voicemail telling her I wasnt happy with her service and explained there are certain laws against discrimination and I hope that wasnt the case. I also asked to speak to a manager/supervisor because I wasnt satisfied with the outcome.
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| 06/24/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Thursday XX/XX/2021 - XXXX XXXX Company Name XXXX XXXX Hello XXXX, We are regrettably unable to approve your loan application XXXX in the amount of {$27000.00} at this time. Our principal reason ( s ) for this decision are indicated below : Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency. Consumer Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX We appreciate you giving us the opportunity to earn your business and hope that you will consider us in the future They listed XXXX as to the reason why I was denied the credit of XXXX I have great credit and there are three disputes going on now with XXXX that do not belong on my credit report so I am not sure why I was denied. I was able to secure a loan from another company for XXXX so not quite sure why Southeast Financial rejected me. So I am asking XXXX as to what information was given to them to deny my request for credit.
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| 06/10/2018 |
No |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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When representative came my home to explain the manner in which the services work and what the process was. I was never told that I had only 5 days to cancel the agreement on the loan agreement we made. I found out soon after that this college program was a scam, and that they received kickbacks for the loans from the agreements and the loans they made people sign under false information. When looking further into the details, there was several class action suits filed against this company and the college. Upon learning that i had had only 5 days to cancel, and being out of that time frame a month in, I decided to keep paying due to the lack of knowledge of the suits being created against them. The company that created the loan on behalf of the college was given under false pretenses, and gave no other borrower time to figure that out and cancel the loan they made us sign up for. I would like to be removed from this responsibility, under the premise of being given false information and never give the proper time frame on which to be able to cancel the loan.
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| 10/25/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies.
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX
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| 03/23/2021 |
No |
- Debt collection
- Private student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This company called several times through out the day. On XX/XX/2021 I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication.
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| 08/30/2019 |
No |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Personal information incorrect
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Web |
Older American |
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Incomplete credit report. Loan company says I have credit freeze on report and XXXX says i dont
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| 08/13/2020 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Referral |
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| 05/29/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 09/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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