| 06/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX I obtained a loan through Personify Financial in the amount of {$1500.00} This was a personal loan with a maturity date of XX/XX/XXXX.
What caused this issue, was that I ran into financial trouble soon after the loan was given. I contacted the company to ask about a delay in payment, and they denied. While doing some research, I found out that this company is not licensed in my state of WA, and it is required to be in order to offer loans.
Further research showed that Personify Financial says that it does business with a XXXX XXXX XXXX in Utah. My loan would be given and serviced through them as I am in WA.
When I phone the XXXX XXXX XXXX in Utah, I was informed that they had no account with my name, and do not have any information of me. Looking back on my paperwork, that name was mentioned in my loan documents, however Personify Financial deposited the money into my bank account, Personify Financial sent the invoices and all payments were made to them-never to XXXX XXXX XXXX.
Additionally, my interest rate with Personify Financial for this loan was at 175.35 % which is a huge amount higher than that of WA allowed legal rate of 12 %.
I understand now that they are using XXXX XXXX XXXX in Utah to simply be a front bank that allows them to make loans to people in states with licensing requirements and with percentage limits. This is what I believe to be illegal predatory lending.
When I spoke and wrote to the company, as well as XXXX XXXX XXXX being copied on all correspondence, I only heard back from Personify.
I asked that they simply lessen my APR to the legal amount in WA, especially since they are not licensed in this state to lend. They refused to budge and subsequently began charging me late fees and higher interest as I was in dispute with them.
Through this time, they entered this information on my credit report-again-from Personify Financial, with no mention of XXXX XXXX Bank. They charted a 30-60-90 day late on my account. This is the only derogatory entry ever on my credit report, which I have had for some years. I have a total of 11 other accounts active now-vehicle loans, credit cards and personal loans-and have never had an issue or late payments with any of them.
On XX/XX/XXXX I paid my loan with Personify financial in full. The total amount was {$2600.00}, from an original loan amount of {$1500.00} only 5 months before.
In addition, since that payment, they have not updated my credit report to show paid as full, but kept it as late for as long as they could. They have not updated this report since the end of XXXX when they logged the 90 day late.
I contest that since Personify Financial is not legally allowed to lend in my state, and they are conducting some sort of back end scheme with a national bank in order to charge predatory lending rates at almost 200 % this should not be on my credit report.
I have requested this from both companies but have not received any sort of success in my appeals.
I would like Personify Financial to immediately delete ALL reporting that they did on my credit report, or delete all reporting 's as late, and to show my account " paid in full satisfactorily '', as they should not have had the ability to do this, since they say that they don't actively service this loan. Also, as they are not licensed in my state of WA, they do not have legal rights to offer or give any loan. Due to this, and as I am paid in full I feel that they should immediately grant this-since they have done something that I argue is illegal.
I would like Personify Financial to immediately refund me the difference of the monies I have paid them that are calculated over and above the legal amount of WA states 12 % I would like it to be made that Personify Financial needs to get a license in the state of WA to advertise, offer and lend to any consumer of this state. I would also like the relationship that they have with XXXX XXXX XXXX to be exposed and prove to be a legal partnership for these predatory lending tactics.
They have lost nothing in this, and have only gained. This should not be allowed to happen. I am sure other consumers-and good, upstanding consumers, are being bullied with these tactics.
Thank you for your assistance in this matter.
XXXX XXXX
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| 05/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2023, I applied for a loan through Personify. Initially, I was told I was approved and a list of varying amounts was presented to me with different payment options. I selected the one I needed and continued on with my application. However, when I got to the part that verifies your banking account info - I hit submit after putting my banking info in and it just sat there with a circle spinning in the middle of the screen as if it were loading for about 3 to 5 minutes.
Eventually I got an error message that appeared in the little XXXX XXXX box. After getting the error message I noticed there was an option to click a button on the screen labeled 'Need More Time '. Seeing as that was my only option and hoping that it would email me a link where I could continue on with my application- this is the option I selected. Almost immediately, I was emailed a link to continue with my application. After clicking on the link to try to continue with my application it asked for my last name and the last four of my social- which I entered and again was taken to the banking verification page where just said " we are processing your data '' in the XXXX XXXX box again. However, this time there was a continue button I can click right in the middle of that message which led to yet again another error message when clicking.
After seeing the error message I called Personify and spoke to an agent on the phone who had told me that he was able to see my application was 90 % complete and advised me that he needed to speak to the tech department.
A few moments later the agent returned to the phone and confirmed there had been a glitch with Personify 's system and therefore would not allow me to move further in the application process. I was told by the agent that I would be getting a Link via email once the glitch was fixed by IT that would allow me to continue with my application and verify my banking info.
On Sunday XX/XX/2023, I attempted to log on to the link that was sent to me after clicking the need more time button after getting the error message and again I put my last name in and my social, but this time I noticed that the message above said something about how XXXX XXXX is proud to work with XXXX XXXX XXXX and over XXXX other banks - yet there was nothing in the XXXX XXXX bank verification box this time.
On Monday XX/XX/2023, I tried yet again to complete the application and this time it told me it had expired. I called Personify and spoke to an agent on the phone who told me that my loan request had been denied. I asked her how an incomplete application can be denied - an application that was incomplete due to a glitch on Personify 's end. She just kept apologizing and telling me I could reapply in 60 days on top of telling me that it was not Personify 's fault at the glitch happened.
This is absolutely Personify 's fault as your own IT company admitted it was a glitch on your end. Furthermore, I received a hard inquiry on my credit report for an application that was only 90 % complete but ultimately denied because of Personify 's error with this alleged glitch. From a legal standpoint, I could see this presenting a big problem for personify under the equal credit opportunity act because it seems more like my application was just flat out the night before I could apply all the way. The fact remains that personify made a decision on extending credit to a consumer, me, without having 100 % of the information they needed.
Therefore, I'm hereby requesting that this inquiry be removed from whichever credit bureau my report was pulled from - XXXX, XXXX, XXXX.
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| 08/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I received a text message notification from XXXX XXXX XXXX XXXX ( credit monitoring service ) notifying that Personify Financial had reported my account 30 days late to XXXX on XX/XX/XXXX. I immediately contacted Personify Financial and spoke to their Customer Service Supervisor. He went over my account and acknowledged I shouldn't have been reported late to XXXX, since I was 27 days late when I made a payment in the amount of {$220.00} on XX/XX/XXXX ( which covered 2 installments in the amount of {$110.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). The next payment in the amount of {$240.00} made on XX/XX/XXXX was also 27 days late ( which covered 2 installments in the amount of {$120.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). A subsequent payment in the amount of {$370.00} was made on XX/XX/XXXX ( which covered 3 installments in the amount of {$120.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus a {$17.00} late fee. The Customer Service Supervisor promised he would contact me again in the next few days and assured me it would be taken care of by notifying XXXX of the mistake made by them. That same day ( XX/XX/XXXX ) I also filed an official credit dispute with XXXX. I never received the follow up call I was promised from Personify Financial 's Customer Service Supervisor.
Finally I received a Complaint Acknowledgement letter from Personify Financial dated XX/XX/XXXX stating the reason I was reported 30 days late to XXXX was due to a late fee charged to my account in the amount of {$17.00}.
I replied to Personify Financial on XX/XX/XXXX stating my disagreement with their decision to report my account 30 days late to XXXX. The female Customer Service Representative who processed the payment in the amount of {$220.00} on XX/XX/XXXX advised me a late fee in the amount of {$20.00} was being assessed to my account, clearly stated there was no need to pay it at that time and would be added to my account balance. She did not warn me at any time if not paid at that moment I could be reported to the Credit Bureau. As a matter of fact, when I made a payment on XX/XX/XXXX I inquired with Personify Financial 's Customer Service Representative XXXX and he advised me there was no need to pay any outstanding late fee in order to bring an account to current status.
I never received a reply to my letter dated on XX/XX/XXXX. I sent a second letter to Personify Financial on XX/XX/XXXX and received a reply on XX/XX/XXXX stating they had completed their investigation of my dispute and the information furnished to XXXX was accurate.
I had an unblemished credit record until XX/XX/XXXX and this has seriously hurt my credit score and credit worthiness since then. I had never been reported to any Credit Bureau in the past. I find it extremely unfair and a non-ethical business practice for Personify Financial to provide inaccurate information regarding the assessment of late fees and not warn the customer to fulfill it at the time a payment is made or face the consequences of being reported late to the Credit Bureau.
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| 11/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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Notice of Billing Error Effective Immediately, Breach of Fiduciary Duty, Notice of Cease and Desist Name : XXXX XXXX Account # : XXXX Statement Date : XX/XX/2023 Amount : {$660.00} Notice of fact there is a billing error pursuant to Regulation Z the determination of financial charge and APR Pursuant to 15 USC 1607 ( e ) and 12 CFR 1026.23 ( a ) ( 3 ).
Per 15 USC 1666 ( b ), Personify Financial also failed to reflect properly on the statement. If I owe a balance it should reflect as negative but it is clearly showing as positive on the statement and on the dashboard of the account. This is a billing error. There is also an identification error pursuant to 19 CFR 149.3 because I didn't need to provide a name and address, but only a number to identify who is liable and the social security number is liable. I provided Personify Financial the social security number which make them liable for the number. Pursuant to Regulation Z subpart b 1026.13 a6 I request a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I request documentary evidence on account ending in XXXX.
According to 15 USC 44, documentary evidence includes documents, correspondence, book account entry, accounting ledger, which involves all derives, and assignees in connection to XXXX XXXX. I want this information so that I can see who funded the account and to clarify how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. On the public and private side showing account receivable and payable. Billing error notice was sent to your email address on XX/XX/2023 and certified mail, however you have now reported a late payment on the consumer credit report which is another violation.
It is a Fact, that A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements.
Please provide me a response in writing within 30 days of the original date of my notice sent which is dated for XXXX 're also furnishing this to the consumer reporting agencies without my written consent, nor have you provided me in writing the option to opt out. All are violations! Personify Financial has also stated the 1099C that I received is a fraudulent document even though I have submitted documentation showing it was received by the IRS. Please provide me documentation to support your claim of the 1099c being a fraudulent document. If not received I will submit a request for audit of Personify Financial to the IRS. I am invoking my rights pursuant to 15 U.S.Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein.
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| 10/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I received a " pre-qualified '' offer of credit for {$4900.00} with no prepayment penalty and a set monthly payment. Once I applied, I was " Approved '', and then sent on an unending request for documents. I kept submitting documents over and over. I provided everything that was requested within hours- eventhough the offer promised " Get your money as soon as tomorrow ''.
On Fri, XX/XX/XXXX, XXXX XXXX I received and email stating : The following additional information is required to complete the review of your loan application : 1 ) Bank statements for the past month, [ XXXX ], showing all transactions for 30 days. Please make sure your name, address, and the account number submitted on your application are visible on your bank statement and the entire document is legible.
2 ) Voided Check. Please make sure your name, address, and the account number submitted on your application are visible on your check and the entire document is legible.
I submitted the documents, noting that XXXX bank statements were not available until the end of the month, but submitted an account summary for all transactions so far in XXXX, and on Sat, XX/XX/XXXX, XXXX XXXX I received and email stating : This email confirms that you have successfully uploaded your documents. We will send you an email with our decision, usually within 2-3 business days. Please be advised that we will also email you should additional documents be required.
Thank you for choosing XXXX.
Please Note : This email is an automated notification that can not accept replies. Please do not reply to this message.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To my surprise, on Sun, XX/XX/XXXX, XXXX XXXX I received an email stating that my application had expired : Our records indicate that you recently started an application for a loan with XXXX XXXX. More information was requested from you to make a decision on your application. Unfortunately, we did not receive these documents and your application has expired. Regrettably, we are unable to give further consideration to this credit request.
We welcome you to submit a new application at XXXX XXXX XXXX We're happy to assist you with any questions. Reply to this message or email us directly at XXXX. If you'd like to speak with one of our friendly customer service agents, give us a call at ( XXXX ) XXXX.
Thanks again for choosing XXXX XXXX, where borrowing is understandable, fair and affordable. We look forward to serving you!
Sincerely, XXXX XXXX They clearly did not intend to consumate the loan, and are therefore guilty of false and misleading advertising. According to federal law, those creditors that send a mail piece that amounts to an advertisement or solicitation that is not backed by an intent to extend credit to all who receive it on the terms specified in the offer will potentially be liable for statutory damages lawsuits against creditors accused of sending credit solicitations that are not firm offers of credit as defined by the Fair Credit Reporting Act.
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| 11/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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Personify Financial has failed to give me any formal contract or documentation for our settlement agreement which started on XX/XX/XXXX. I called in on XX/XX/XXXX after being invited to accept it and the representative set it up so my payments would be automatically processed and my final payoff would be on XX/XX/XXXX after 3 payments of {$200.00}. They advised me that the confirmation would be sent to my email however it was never received. In XXXX the 2nd payment was due on XX/XX/XXXX but it was not automatically processed and I manually had to pay it on XXXX. On XXXX I called in because I was charged twice and spoke to XXXX and she authorized a refund for the second charge. On XXXX I called again because I had not received the refund, this time the rep and their supervisor told me that they could offer a refund of {$99.00} OR to settle the account out. I told them they made a mistake because my refund is for the full payment of {$200.00} because the final payment was automatically taken out on XX/XX/XXXX, so my account is settled. They told me that they have no evidence of a phone call with XXXX in their system and that within 24 hours I would get an email for an evidence request. I never received one. On XX/XX/XXXX I called again and briefly spoke to XXXX before the call abruptly ended. I called back and the rep XXXX informed me that my account was locked so he couldnt look into it and that I would need to call back within 2 hours and wait for his request to unlock to be approved. XXXX called back shortly after and said that because the XX/XX/XXXX payment did not process, my settlement agreement was cancelled. She said her supervisor reviewed the audio and that the representative who initially set up the plan did not complete the credit authorization which is why on XX/XX/XXXX nothing processed and that voided the settlement contract. They insisted that my payments are not part of the agreement and I am back in debt with them. I asked for the supervisor name and if I would be able to review the calls myself because I was never told about this authorization issue from XX/XX/XXXX even though there have been several phone calls since then XXXX hung up and I received no call back. It seems to me that I have been deceived in multiple ways. They have failed to provide my agreement, they will not release any information about my phone call records or supervisor information, and have denied existence of a past call despite me having a feedback survey invitation from the call. The customer service representative failed to provide me with the information necessary to protect myself in this agreement and I should not be at fault for their negligence.
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| 08/28/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2023, an agent representing XXXX XXXX XXXX released information about my debt to a third party via telephone. The agent contacted the third party, my father, at a phone number not associated to my account. He asked who was calling and what it was in regards to. The agent informed the third party that they represented XXXX XXXX XXXX and were a debt recovery agency. They further advised the third party that they were trying to reach me in regards to several XXXX XXXX that I owed to them in debt. This third party was unaware of my debt, much less that it was several XXXXXXXX XXXX and explained to XXXX XXXX XXXX that his phone number has no connection to me. He further explained we live at separate addresses, do not share any finances, he confirmed the phone number the agent gave him was my only contact number, and advised the agent that he would pass along a message for me to contact them.
After the third party advised me of all the information that XXXX XXXX XXXX disclosed to him, I placed a call to the phone number the agent gave him ( XXXX ). A gentleman answered the phone and identified himself as representing XXXX XXXX XXXX. I gave my name and explained that my information had been released to a third party without my permission. I also advised that I would like to discuss my debt as well as address the release of information. The gentleman stuttered, asked me to hold, and then placed me on hold. When he returned to the line, he stated he had to connect me with a supervisor and transferred the call. The line I was transferred to had a generic message. It did not identify a specific person and indicated to leave a voicemail with my name, phone number, and best time to be reached. I left my name, phone number, best time to be reached, as well as a detailed message. I explained that one of their agents released my personal financial information to an unaffiliated third party without my permission. I explained what information was released, stated that they should remove the third partys contact number from their database, explained that I believed the release of information without solicitation or my consent was illegal and asked for someone to please call me back to discuss. I have not received a response from anyone with their company. I have read the governments guidelines on collection agencies responsibilities in regards to protecting consumer data and release of information to third parties. I believe XXXX XXXX XXXX has violated the governments regulations by releasing my information to an unaffiliated third party without my concent. They have also failed to contact me to address this violation.
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| 10/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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In XX/XX/XXXX got a loan for {$2500.00} from XXXX XXXX out of XXXX XXXX, CA via a mailing offering a loan up to {$2500.00}.
After making several payments ( XXXX - XX/XX/XXXX ) at a rate of {$190.00} per month for 36 months. I was sent an e-mail because the company did an audit of my account and was told that the APR on my loan was higher than the maximum rate in the mailer. The company at the time told me in the e-mail ( dated XX/XX/XXXX ) that they were " taking the opportunity to honor the lower rate stated in my offer '' and that " any payments that I had already made above the amount required ( based on the reduced APR ) would be reapplied to the loan and have reduced the total amount I owed. '' In the mean time while this was happening with my loan. My mother had passed away in XX/XX/XXXX and I was in the process of getting pay off figures of several accounts including this one and on XX/XX/XXXX I was finally able to speak to a customer service representative because the initial phone number ( XXXX ) XXXX that is on the end of e-mail was never answered by anyone and I made note of this. I then tried a second phone number ( XXXX ) XXXX that is also listed in a different spot in the e-mail. When I did talk to a CSR about what I needed to do she ( XXXX ) told me that I needed to e-sign new loan docs that would reflect the new APR and a new account total of {$2200.00} for which I had also asked what the new pay off amount would be at the time which she told me was the above mentioned amount and no new charges would be added. I then told her that I would be sending a check on Monday, XX/XX/XXXX via Priority Mail ( they received it on XX/XX/XXXX ) in that amount and that my loan would then be paid in full. According to their website my payment was recorded on XX/XX/XXXX which is within the " 3 business days for payments to appear in your account ''.
Now on XX/XX/XXXX I have received a letter in the mail from XXXX XXXX stating a lot of false information like " Past Due Since XX/XX/XXXX '', " Past due Amount {$36.00} '', " Unpaid Fees {$45.00} '' and " Total amount Due {$81.00} ''. There is also a totally different phone number now listed on this letter from XXXX XXXX ( XXXX ) XXXX.
As far as I am concerned I will never do business with this company ever again nor will I ever refer a friend, colleague or family member to do business with this company. I also think that the FTC should do an investigation into their business practices and should take off the negative reports to the credit bureaus that they have submitted to my credit reports because they have made false reports to my credit.
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| 02/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, I made a large payment of {$760.00}. This payment went to the outstanding principal and interest as well as late fees as I was past due on the account/loan. This payment brought the account current.
On XX/XX/XXXX, I made a payment of {$1000.00}. This payment went to the outstanding principal and interest as well as late fees as I missed a payment on XX/XX/XXXX. This payment brought the account current but was well in excess of what was owed.
I was then charged a {$60.00} late fee for 'missing ' the next payment on XX/XX/XXXX even though on XX/XX/XXXX I had paid well in excess of what was owed which was enough to cover many future payments.
On XX/XX/XXXX, I called to pay the loan off in full. I reviewed with a representative that there should not have been a {$60.00} late fee charge on the account because of the large payment on XX/XX/XXXX. After discussion, this representative agreed and the fee was removed. On this call, the payoff amount on XX/XX/XXXX was {$3000.00}. After the representative assured me the {$60.00} fee was going to be removed, it left a payoff balance of {$3000.00}. I paid this in full on XX/XX/XXXX.
On XX/XX/XXXX, I received an email letting me know about my next 'payment ' due XX/XX/XXXX. I emailed back explaining that I paid the loan in full. This is the response I received : XXXX Dear XXXX, Thank you for contacting Personify Financial.
The payoff amount on XX/XX/XXXX was {$3000.00}. The {$3000.00} paid left a remaining {$60.00} that is required to be satisfied in order to close the loan.
Please make payment arrangements for that amount.
You can make a payment via the IVR option when you call or from your debit card by speaking with one of our friendly representatives or sending it by mail. A mailed payment may take up to 7 days for us to receive and process.
Once we receive your check, we will apply it to your payment. If your payment is not sufficient to satisfy the required amount, you will be required to pay the remaining balance. If you decide to use this option, please mail your payment to the address shown below and include your loan number on the check.
Personify Financial XXXX XXXX XXXX XXXX, TX XXXX _________________________________________________________ I want to hold this company accountable and start the process of creating a record of their fraudulent practices and giving me a false 'pay off ' amount and then continuing to try to collect a fee plus interest that was agreed would be removed - this was done on a call recorded by Personify Financial. I also recorded the call as it was a call to pay off in full the debt.
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| 04/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I received this offer from Personify Financial in the mail. I responded to the offer because it said you can get a response within 24 hours and I applied. I went online to their site. I submitted my application provided my bank account number, routing number, my employer name, pay frequency, home address and my social security number. I was given several options of loan amounts to choose from along with the term length I chose {$3400.00} with a term of 36 months. When it came time for me to get the approval it took me to a page that wanted me to log into my bank account through their website. However, an error message appeared and there was no link for me to login to my bank on that page. I proceeded to open up a dialogue chat box which was unsuccessful. I was able to ask for a customer service number. I contacted the customer service and spoke with the gentleman who told me to take a screen print of the page that showed the error message and email it to them. I received an immediate alert on my XXXX XXXX credit bureau that there was an immediate hit to the inquiry on my credit. I explained to the customer service representative that the advertising says I should have an answer within 24 hours. I explained that there was no link for me to log into my bank account and secondly that my credit has already been adversely affected. This gentleman said after I send the email someone should get back in touch with me within a 24-hour period. I felt at that moment I've been scammed. The brochure I received was a method to get personal and sensitive information from consumers and the error message is there to prevent any offers of credit and that company had the data that they needed up to that point.
Now I have to go and change my bank account information but this company already has my address, social security number and my credit score has been adversely impacted under false and fraudulent pretenses.
Please look into this matter so that future consumer 's will not experience what I experienced today with this Personify Financial.
Needless to say their interest APR rates were ridiculously high.
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| 12/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Due to the pandemic, I have been making budgets to ensure on-time payments for my bills. On XX/XX/2020 @ approx. XXXX XXXX, after reviewing my Personify Financial bill, I contacted the company. I was disturbed because when I reviewed my statement on line, I discovered that after 12 months of paying this bill, I still owed more than I borrowed.
I thought it was a mistake so I contacted Personify Financial at XXXX XXXX XXXX XXXX. My account number is : XXXX. I have attached my Loan Details page, Payment History Page ( 2 pgs. ), and Original Amortization Schedule. ( 4 pgs. ) I was informed by a young man with an accent that the call was being recorded ; so I'm sure they will have a record of the call that was made. I inquired about why the loan was still reflecting more than I borrowed, he responded that my interest rate was 99.5 %. Of course I was shocked, I accept this error because I did not know until today. I then informed him that according to the loan details the int. rate was 97.47 % ( still borderline XXXX ) He then informed me that int. rates were reduced based on payment history. I asked him who I could talk with to have the int. rate reduced, he told me that my contract would not allow the int. rate to be reduced, after previously telling me there was a way to have the interest reduced. When I inquired again for an explanation as to who to contact to negotiate a reduction in the interest rate, our call was disconnected. Please be advised, my account is in excellent standing, no missed payments and I have no intention of missing payments. This ( not knowing the interest rate ) is a big mistake I made, not paying attention to detail. If possible, can CFBP inquire on how I would negotiate with the company for my interest rate to be reduced. If this is not possible, I would also like for others to know to please read the terms of online loans especially with Personify Financial ; before agreeing to them. When signing for this loan, I did not realize the interest rates were almost criminal extortion or I would not have taken the loan. Thank you for your time and consideration.
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| 08/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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This company is operating in predatory practices and its operation is more analogous to the practices of a loan shark! Unfortunately, as a recent XXXX student, I was put in a predicament that forced me to either apply for this particular loanor be homelessand I chose the former. Within this timeframe that I applied for the loan, I was working and anticipated to pay back the loan before the loan terms indicated. However, a global pandemic called Covid-19 happened to the world. Shortly after, I was laid off from work and was unable to get a job for months. As such, it made it extremely difficult for me to pay my bills, rent, and expensesincluding to Personify Financial.
When I gain employment, I made a total payment of {$3000.00} for a loan in the amount of {$4700.00}, and currently, Personify has only applied {$360.00} towards my principal and {$2600.00} towards the interest of this loan. The current interest rate is 93.50 %, at this rate ; by the time this load is paid off, Personify would profit close to {$15000.00} or more on a {$4700.00} loan. Of this {$4700.00}, I was only issued {$4500.00} because I was also charged another fee before the money was issued. Even with all my efforts to pay this ridiculous loan, my outstanding balance remains at {$5200.00}. This amount includes the {$3000.00} that I have paid to this company.
Personify Financial is nothing short of a loan shark. This is a predatory loan. It is unfair and unethical. This company needs to be under investigation for its immoral practices. To add insult to injury, this company preys on the most vulnerable population, those who are in desperate need of survival. Living in a country where you must decide whether to buy groceries or pay your bills. The XXXX XXXX XXXX XXXX act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. Further, XXXX XXXX XXXX should be investigated.
|
| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I am resubmitting this. I am not sure how my complaint got my husband 's name ( XXXX XXXX ) attached to it. This account that I created is clearly in my name ( XXXX XXXX ) and I submitted this complaint through the Consumer Financial Protection Bureau with an account also clearly in my name ( XXXX XXXX ) On or about XX/XX/2021, I had responded to an offer from this company ( Personify Financial ) and was denied. They then sent me a letter in XXXX with a pre approved offer. I have thrown the letter away but was directed to their website to apply which I did. They approved me and told me that with on time payments I could get my interest reduced. They never really disclosed the interest but told me to create an online account. I eventually did and they took my banking information for auto payments. I went about my life and the payments came out of my bank {$150.00} every two weeks like clockwork. Well, in XXXX I had to enter into a credit counseling agreement because my debt that I took on from the pandemic is so great that we are literally drowning in it. I tried to get this loan included but they wouldn't work with my credit counseling company XXXX XXXX XXXX XXXX XXXX ) So I tried to contact the company myself and was told that I had to let the loan go into default before they would offer me any help. I am already suffering from poor credit so I do not want to do this. I then went into my account to see what the balance was to see if it was an amount I could consider paying off quicker. The balance of my loan was higher than what I had taken out. I had taken out a loan amount of {$3900.00} and my loan amount was over {$4100.00} even after {$1800.00} of payments!!! I cried. How can this be fair? Please help me do something with this loan. I can not keep this up and don't want to go into default.
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
|
| 07/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
due to the current pandemic, i am unable to work. in XXXX california, where i reside, all non essential entities have been ordered to close or severely curtail their services etc. i am an XXXX XXXX and i am XXXX XXXX XXXX. because of my heightened risk for exposure to covid 19, i am following all social distancing protocols which further preclude me from carrying passengers in my vehicle.
i have a 10,000 high interest loan from personify financial. i have reached to the company to discuss ways by which a viable and equitable payment arrangement can be worked out. because this is a very high interest loan, at 98 % annually, i requested that the interest on this loan be suspended or waived for the time that the pandemic is a health and safety issue. they have refused to assist in any way. meanwhile the interest is accruing daily and increasing the total outstanding amount. these loans are not designed to be paid off according to the amortization period of the loan which in this case comes to over {$33000.00} over three years on a {$10000.00} loan!!! my sincere intention when taking out this loan last year was to pay it off in a relatively short amount of time. but due to covid 19 those plans are no longer viable.
in addition, this loan product was recently made illegal in the state of california by the legislature. this type of loan can no longer be offered to consumers in the state of california due to the exorbitant rate of interest. consumers such as me who happened to take out this loan before the legislative action are now stuck/in limbo in attempting to abide by the unfair and unconscionable rate of interest that the company is charging.
PLEASE HELP ME!!!!!!!!!!!!!!!! I HOPE YOU CAN REACH OUT TO PERSONIFY FINANCIAL AND OFFER SOME REMEDY TO MY DILEMMA.
Thank you in advance.
|
| 07/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have had a Personify Financial loan since XX/XX/XXXX. As part of the set up of the loan, I elected to have Personify Financial automatically charge me every two weeks per the loan agreement. There was no issues until XX/XX/XXXX which is one of my scheduled payment dates. The payment was deducted from my bank account as usual ( my bank account was debited {$160.00} ) but was reversed ( money was still debited, there's no refund or credit on my bank account statement ). As part of the loan agreement, after a set amount of on-time payments there is a reduction in interest by 2 %. At the time my loan rate was supposed to decrease from 53.40 % to 51.40 % and my new monthly payment was supposed to be {$160.00}. On XX/XX/XXXX there was a charge for {$74.00} that appeared but since I was on auto-pay I did not worry because my assumption was that the normal amount would be debited. Fast forward to XXXX XXXX XXXX, I noticed my account was in bad standing and that I owed two payments. I immediately attempted to contact Personify who advertised their customer service hours as being available from XXXX to XXXX yet I was always met with a message that their center was closed despite it being early noon. I decided to email them and it stated that I would receive a response but have yet to receive a response. This was over a month ago and as a result, I have paid more interest that I would have had the payment been processed normally. There are no issues with my bank account and it was only until XX/XX/XXXX ( one month and two days later ) that the company notified me that my payment had been late. Since I have not heard a response from the company, I have decided to file a complaint in hopes of getting this addressed finally.
|
| 01/18/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law.
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty.
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over 90 % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX.
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I opened the account in XX/XX/2019. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. Personify has not reported accurately ( every 30 days ) according to XXXX. I have disputed this through XXXX 3 times and I am still getting the same results. In the process of disputing with XXXX, I also contacted Personify on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to XXXX correctly and in a timely manner. Personify also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XXXX of XXXX. That is 8 months ago. I have exhausted all my options. I have contacted XXXX filed 3 disputes, I have contacted Personify Financial to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!
|
| 09/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
On or about XX/XX/2021, I had responded to an offer from this company ( Personify Financial ) and was denied. They then sent me a letter in XXXX with a pre approved offer. I have thrown the letter away but was directed to their website to apply which I did. They approved me and told me that with on time payments I could get my interest reduced. They never really disclosed the interest but told me to create an online account. I eventually did and they took my banking information for auto payments. I went about my life and the payments came out of my bank {$150.00} every two weeks like clockwork. Well, in XXXX I had to enter into a credit counseling agreement because my debt that I took on from the pandemic is so great that we are literally drowning in it. I tried to get this loan included but they wouldn't work with my credit counseling company XXXX XXXX XXXX XXXX XXXX ) So I tried to contact the company myself and was told that I had to let the loan go into default before they would offer me any help. I am already suffering from poor credit so I do not want to do this. I then went into my account to see what the balance was to see if it was an amount I could consider paying off quicker. The balance of my loan was higher than what I had taken out. I had taken out a loan amount of {$3900.00} and my loan amount was over {$4100.00} even after {$1800.00} of payments!!! I cried. How can this be fair? Please help me do something with this loan. I can not keep this up and don't want to go into default.
|
| 08/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was the victim of identity theft and when going through my credit history saw an inquiry. I called them to see if an account had been created and the first representative practically refused to help me. I explained to her several times the reason all the details didn't match was because I was the victim of identity theft. Where the other banks/credit card companies had been very respectful and helpful she was rude and implied I was up to something. Her supervisor acted similarly. They also refused to tell me details about the loan ( e.g. how much ) and said they would not even flag this account until the forms were received ( on my next call they said it was flagged it and the account had not been approved - leaving me unsure of what the truth is ). The forms are not secured online. They are pdfs they require to be emailed to a generic contact email address that the entire organization uses. This is my only option to get the account cleared, yet I have to expose my personal information and make myself vulnerable to a secondary attack to get it cleared. It seems dangerous, cruel, and unfair. Every other bank was able to make this go away in a few clicks rather than make me vulnerable to a secondary attack. I was also told that they do not have a fraud department that the email just goes to a customer service rep. This is concerning since they are an online bank only and would be more likely target for fraud.
|
| 10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Personify Financial has sent a debt that is not mine, but part of identity theft to a debt collector. They have been calling me, my father, and friends and threatening to come to my job and arrest me. They also told my father I was writing bad checks and if he didn't pay they would arrest me. They threatened to put a lien on my grandmother 's home, and had my grandmother in the hospital due to almost having a XXXX XXXX because they lied to her!
I received a voicemail today from them again, this time is stated : " Im with judicial Services. I've been instructed to contact you in regards to an active order of location that is being issued and filed due to avoided contact on your behalf they've instructed me to speak with your employer directly due to them wanting to have you processed their pay promise, with your home, or relatives homes as well at this point if you wish to avoid any further penalties. You need to contact the proceedings office that is filing your case once your case is been filed all of your legal rights to resolve this case will be forfeited permanently ... " they gave me the phone number XXXX to contact them and case number CD : XXXX, then notified me this was my legal notification about the case because they couldn't contact me.
I told the man the first time he called that the debt was part of an identity theft case and not my debt and not to call me again. He has called 100s of times.
|
| 09/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out my initial Personify loan in XXXX as a fresh college grad naive to lending. Over the years personify continually offered me refinancing with a noticeably lower APR which came off as a positive thing. I now know this is common among predatory lenders.
As of XXXX Im on my 4th refinanced load. I last refinanced in XXXX and spent a whole year paying and little to no of my payments went towards my principal, all went to interest. Another common act of a predatory lender.
As of now I have been struggling with my payments due to a change of paydays on my new job. Personify recommend that I let my account go 30 days past due so I can negotiate a lower monthly rate that lines up with my pay schedule. This was an out right lie. I let my account go 30 days past due at their recommend and now they tell me theres nothing they can do unless I want to take a payoff agreement which requires me paying over {$2000.00} in lump sum which I do not have or I would not be in the predicament.
Personify provided me with advice that put me in a worse situation that if I wouldve just continued with things the way they were. Theyre practicing predatory lending and do not help people with a way out. They are distorting my XXXX credit score with their bad advice and now I cant afford to buy myself out of the situation they put me in.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the commenity bank, XXXX XXXX XXXXXXXX as well as XXXXXXXX XXXX and Personlify regarding this issue on and off for about two years.
XXXXXXXX XXXX is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, Personify financial {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
|
| 05/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Good afternoon, I am writing to you because I have problems with this personal loan. I lost my job and due to the high interest rates of this loan, which are 96.97 % per year, it has been impossible for me to pay it. I have called repeatedly to ask a payment agreement and have been denied any possibility of payment relief. They have threatened me with putting the loan in collection and that would hurt me a lot. I think the interest they charge is too high and outlawed. This bank has violated usury law, where by law in Florida lenders can only charge Max 18 % annually. and if so, they would be subject to sanctions that include the loss of interest, both those already paid and those that remain to be paid I request a review of this loan, as well as the removal of this loan from my credit, at the XXXX bureau, which is where I report. attached copy of the contract where it indicates the usury interest rate 96.97 % APR.
I am writing this letter based on your debt collection regulations, which clarify certain provisions contained in the Fair Debt Collection Practices Act ( FDCPA ) that went into effect on XX/XX/2021 I hope you can help me, I am a single mother and I have a family burden and many responsibilities and this loan has damaged my credit and my peace of mind
|
| 04/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a loan in XXXX of 2021 from the lender. While I know a debt is owed, I think I may have been subjected to predatory lending. My interest rate is 148.50 %. I started to research the company online and there are several lawsuits pending against the lender for extremely high interest rates. At the time I received this loan, I thought this was legit and did not question it. I reset my browsing history on my phone and when I looked this company up to log into my account that is when I came across red flags that this may be a predatory lender. I stopped making payments because I am not sure if this is legal or not. I also sent notification to the company revoking ACH authorization for payments. It has now been referred out to a collection agency called XXXX XXXX, XXXX. I think the interest rate is above the legal cap allowed in North Carolina. This prompted more research and I came across this site : https : XXXX which mentions this lender by name for their extremely high interest rates and how certain states do not allow this lender to operate.
Personify Financial was the company I got the loan from. It appears they originated the Loan from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX
|
| 06/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
A man Named XXXX XXXX phone number XXXX called my Mothers phone who is not even listed on my account nor had permission to talk to my mother told her her sent me certified mail, wanted to know my information and even told her my Social security number. This may very well could not have been my mother but a stranger he talked to not knowing giving my personal information to. My mothers name, phone number or any information was not linked to my account.
After hanging up with my mother he called my XXXX year sons phone left a detailed message on his voice mail that states his name not mine yet again he left my personal information on a 40 second voicemail about certified mail, debt collection needing a call back left 2 names and again the last 4 of my SS #.
This is a direct violation of anyone rights. The dept collections process should not have happened at all. I fill like my information is just being handed out to anyone and everyone by this company. None of the people they have contacted where on my contact list nor did i give them phone numbers of the people they have contacted. I am now worried they are calling people at random giving my private information out to them.
|
| 02/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I am a mother of 4. During a hard time, I took out an {$8400.00} loan from Personify Financial on XX/XX/XXXX. The original interest rate is 78.69 %. 36 month term. I have paid to date {$8500.00}. Only {$1500.00} of those payments have gone to the principal balance. The other {$7000.00} have gone to interest. I am on an automatic payment plan bi-weekly. {$260.00} comes directly out of my bank account every 2 weeks. I have never been late on a payment to this company. They offer a 3 % interest rate reduction for every 13 payments. My interest rate is currently 71 %. This is a predatory loan. This is unethical. This company is charging exceptionally high interest rates. I have paid OVER the amount that I asked for. At this point, I am throwing money out the window. I can not afford this any longer. I have called numerous times demanding supervisors, and nothing has been accomplished. I offered them {$500.00} more to close out my loan. Which would put me over {$9000.00} out of pocket when I only financed {$8400.00}. IF I pay this loan until the maturity date which is XX/XX/XXXX, I will have paid them OVER {$20000.00} for a {$8400.00} loan. This is absolutely 100 % predatory.
|
| 12/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Loan originated with Personify Financial. This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX - advised me that it was sold and they were collecting for the new account owner. Their phone number is XXXX.
After XXXX contacted BOTH my brother and sister-in-law via phone, I immediately contacted them at XXXX XXXX on XX/XX/2022 and advised that I wanted contact to CEASE - I identified myself so they had established contact and no longer had reason to contact ANYONE ELSE.
I advised I am on XXXX XXXX and offered a settlement of {$1000.00}. They refused and even said " just say you refuse to pay '', trying to bait me into saying something that is untrue.
At XXXX XXXX on XX/XX/2022 they called my mother 's phone number - XXXX - in yet ANOTHER skip-tracing effort. Ihave already established contact, advised C & D, and they STILL called a relative.
I have enclosed a screen shot of my phone call on XXXX from MY number XXXX, that shows I spoke with them for 17 minutes trying to get something resolved. I was passed to a supposedly more experience person who was just more abusive than experienced - she was the one who kept saying " just say you refuse to pay ''.
|
| 11/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My name is XXXX XXXX XXXX resident of XXXX, MN and here is my complaint : Personify Financial has been sending me numerous advertisements and pre-approval notices by postal mail for at least 6 to 8 months now. I have thrown them away each and every time. However, in XX/XX/2019 I thought to myself to give it a chance since I wanted to pay off some credit cards since the holidays are forthcoming. I submitted the application to personify financial under the impression that personify was the actual lender. After accepting the loan, I discovered through NMLS consumer access that Personify Financial is not the lender, but it is a debt buyer which means they are not regulated at the federal level. The lender was Applied Data Finance LLC who is not registered to do business in the state of Minnesota. Apparently this is how these so-called debt buyers get away with illegal interest rates. I have attached the documents below regarding the loan, and please give me a call directly at XXXX for more details, or you can also reach me by email at XXXX Please help me take action against these under-the-table-wrongdoers.
|
| 02/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This has been going on since XX/XX/2018, calls started with XXXX XXXX XXXX trying to collect on a debt they said was placed with them from XXXX, I explained I didn't owe anything on a loan with XXXX that it has been paid off. Calls continued, I contacted XXXX on XX/XX/2018, and was told I didn't have a loan balance and the loan I did have was placed with XXXX and had been paid off. I explained this to XXXX XXXX XXXX, but the calls persisted. I've never received a collection letter, or correspondence of any kind except for the phone calls. Last person I spoke to at XXXX XXXX XXXX was XXXX XXXX XXXX. I spoke with XXXX, said loan was " paid satisfied '' - as shown in attachment, spoke with several people their and they advised me as did XXXX that this was a " Scam ''. I have since been contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he also gave another contact XXXX XXXX XXXX XXXX, when I explained I didn't owe anything on this loan, he stated that XXXX or XXXX " probably didn't close out the loan ''. I then received a call stating I was going to be served a summons within the next 24 - 48 hrs.
|
| 05/21/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Account Name : PERSONIFY Account XXXX : XXXX Reason : Incorrect late payment to credit reporting agencies.
I originally borrowed {$1000.00} from this company around XX/XX/2019. But the interest rate was way too high for me. Originally they said I had to make payments around {$100.00} a month I do believe. Then they tried taking out over {$2000.00} a month from my XXXX XXXX XXXX checking account. This is insane. I had to call XXXX XXXX XXXXXXXX, account number XXXX to block this company from taking XXXX out each month for x amount of months when I only owed like XXXX to them. This went on for months and I refused to pay this much because I was struggling and I am a XXXX veteran. They never gave me the chance to explain my financial situation. They then kept increasing the balance owed because now they charged it off as me owing over XXXX dollars. and it's affecting my credit really bad and I called them to fix it but they refused to help me. they told me they had already turned it over to a collections agency. I want them to fix this so i can get my credit back on track.
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I notified PERSONIFY FINANCIAL with a cease and desist notice by post mail. However, the post office returned the notice back as undeliverable. The only information I have for this institution is the information XXXX is reporting on my consumer report. I am notifying PERSONIFY to provide me with verification of this alleged debt and that they cease any and all collection efforts as well as any communication in regards to this debt to any and all mediums including XXXX. XXXX has NEVER had my direct consent to publish this information on my consumer report and is currently harming my reputation. PERSONIFY has also attempted to sell this alleged debt to a third party by the name of XXXX XXXX. I have also served XXXX XXXX with a cease and desist. I am holding each of these institutions equally responsible for the infringement of my consumer rights and demand that they be held accountable for their violations. I am demanding that until they can provide me with documentary evidence for this alleged debt they delete this account from my consumer report immediately.
|
| 03/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XX/XX/2019 I obtained a {$5700.00} loan from Allied Data LLC DBA Personify Financial. My payments were {$190.00} every other week. My first few payments I made well in advance and they were not applied but returned, I had to call as I was getting harassing emails and phone calls saying my payment was late, when in fact it was early.
Secondly, since XX/XX/2019, they are applying 100 % of my payment to interest and nothing to principal even the amount that I pay over the minimum payment of which I was told goes directly to principal.
They said that interest is computed daily, so by not applying my payment correctly to both interest and principal, they are increasing the amount of interest they will be paid instead of correcting reducing the principal.
I have called approximately 4 times over the past month to have this fixed and have been told each time someone will get back to me in 5-7 days, NEVER has anyone called back.
Lastly, they incorrectly reported consistent late payments to the credit bureau and caused me a {$3000.00} additional rent deposit as a result.
|
| 12/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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|
I took out a loan with Personify Financial XXXX, 2017 in the amount of {$3900.00} not realizing the interest rate was 98.22 %. the pay back would be {$12000.00}. I was in desperate need of a loan. I feel I was taken advantage of. Personify Financial is nothing short loan sharks. I thought there were laws against this and consumer protection against loan companies charging such ridiculously high fees. I paid them approximately {$7000.00} then started to realize the balance was not going down. I tried to contact the company to see if this could be looked at but nothing was done. I contact the better business bureau and logged a complaint. I would have even been willing to settle at a lower and fair amount taking into consideration what I had paid already. Paying back {$12000.00} on a {$3900.00} loan is terrible business practice. The Dodd-Frank Wall Street Reform act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. I would like my case investigated.
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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This all began in XX/XX/2021 if my memory serves me correctly. I receive a call from this lady telling me that she is collecting money from me that I owed from a personal loan company. Due to the pandemic, I was unable to continue paying the loan and it went to a 3rd party agency I guess. This lady was extremely rude. It was oppressive speaking with her, as I felt berated by her tone. Anyway, I setup arrangements to pay bi-weekly and honestly it was because the woman freaked me out. She acted as though she was an attorney and like she was threatening me with actions that she legally can not do. she intentionally set up the payment on my pay dates and would attempt to withdraw the funds before my bank even processed my pay. I received several calls from my bank inquiring about the agency. I honestly don't even think I owe the amount she said I did. I honestly feel as though she is a scammer and I don't know what to do. I would welcome the opportunity for someone to be on the telephone when she calls to witness this rude oppressive harassment. This is not right.
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| 03/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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|
Web |
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Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1000.00} on XX/XX/2019, and have had XXXX bi-weekly withdrawals of {$40.00} debited from my account. This results in a principal balance due of {$330.00}.
I am willing to repay the {$330.00} balance via credit card in 10 monthly installments of {$32.00} each on the last Friday of each month.
At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.
Please contact me to set up payment arrangements as outlined above.
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| 04/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Personify Financial XXXX XXXX US Department of Education
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| 09/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
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I received a communications regrading a settlement involving predatory lenders who illegally are charging higher interest rates than allowed by the applicants state of residence. This entity file a lawsuit against similar predatory lending on behalf of consumers regarding the unethical lending practices. The lawsuit indicated the lender violated federal and various state laws by ( a ) making and collecting loans with annual interest rates in excess of the amount allowed by state law, ( b ) lending to consumers when these entities were required to have a license from a state to lend to consumers and they did not have that license, ( c ) services or collection activities, ( d ) their involvement in and support of other parties conduct. This lender is operating under the same guidelines. The loan documents I received are deceptive and indicates the laws of the state of Utah will govern the loan. I reside in XXXX. The name of the companies are XXXX XXXX doing business with XXXX XXXX XXXX.
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| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have sent this company an FTC fraud report allowing them to see that this loan doesn't belong to me. Personify Fiancial is breaking many FCRA laws.
15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate.
PERSONIFY FINANCIAL- Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have also filed a Dispute through the XXXX Dispute and Currently have my states Attorney General looking into this matter as well as others. We as consumers have rights.
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| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported.
Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested.
XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested.
XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested.
XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested.
XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested.
XXXX XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.
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| 11/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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On XX/XX/2022 I received a collection call from Personify advising I am past due on my payment due XX/XX/2022. I made my XX/XX/2022 on XX/XX/2022. I have asked the company numerous times what warrants them the ability to make collection calls on a timely made payment, they could not advise it. I told them I have already made a complaint the attorney generals office on a prior collection call on a timely made payment and wanted to know what law allows them to start the collections process on a timely made payment, I was told they don't have that information.
All I have been told is that if I make a timely payment 5 days or greater before my due date, it supposedly is considered an additional payment for the prior month. I was told if I want to make a payment 5 days or greater before my due date, I would need to call to reapply it to the loan. This is an unacceptable business practice, and it's against the law to start collection calls on a timely paid account.
|
| 02/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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Around the end of XXXX or early XXXX I called them to let them know I was still having trouble paying the monthly payment due to loss of income because of COVID 19 crisis. I Called them two times after this to follow up and they told me they were still working on this and they would get back to me. I never received a response from them until now on XX/XX/XXXX. I receive an email as a charge off letter. I called them immediately and told them I had never received any response from them prior. They said they had sent me emails saying they were offering me a re-age program which meant put late payments at the end of loan so I could start fresh now on XX/XX/XXXX. I reiterated I never received this email, never in my spam fielder either. They said they could not do anything because account was already charged off. This could ruin my credit for 7 years and I do not want this to happen. If I would have been informed properly I would be paying this loan right now.
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| 07/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
To whom it XXXX concern, On XX/XX/2023 XXXX XXXX XXXX contacted my family member and shared my legally protected information with them. Here is their company information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States ( XXXX ) XXXX A representative of their company called my XXXX XXXX XXXX on his cell phone at ( XXXX ) XXXX and asked for me. He confirmed they had the wrong number and his identity, they then proceeded to share with him that I owed a dept to them which is protected information under Federal law.
I have provided XXXX XXXX XXXX with a cease and desist request asking that they do not contact my family or friends or anyone else by phone.
I also wish to bring awareness to the appropriate government agency that they are not in compliance with applicable laws regarding the sharing of personal information related to any alleged debt with anyone other than myself.
Sincerely, XXXX XXXX
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| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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this company has been negligence to direct contact and credit bureaus request of validation of the account reported to credit file. I have sent several police reports to the credit agencies as well as FTC reports that back up my claim of this fraudulant account that has been opened up in my name unkowingly. I have made several attempts in the past 2 years to fix a disaster of identity theft done on my personal Identity. I have yet to have received any evidence of an investigation with Personify and I have been left distraughtly damaged, stressed and neglected. I do not understand. Please have this company investigate this fraudulant account opened in my name and if then delete this account from my credit profile. If not, I will further discuss matters with an attorney to seek legal actions to compensate for damages of negligence, defamation, XXXX and XXXX.
account number XXXX XXXX XXXX XXXX XXXX last XXXX social XXXX
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| 09/04/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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I received a 1099C on XX/XX/2023 for the full amount of loan from Personify Financial. Once I logged into my account it was still showing an outstanding balance. I reached out to customer service and the representative advised she didn't have a clue about what I was referring to and proceeded to give me an email address to send the document so that my account could be updated. I emailed the 1099C I received along with the request to cancel my automatic draft and to forward all proceeds they are making off the security interest of this loan to my treasury direct account along with any proceeds they are making from any and all insurance products they applied for on my behalf. The automatic draft was cancelled as requested which lets me know my email was received and read by a recipient. However, no further action has taken place in regards to updating my account nor forwarding funds to my treasury direct account.
|
| 07/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry.
Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating.
I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed.
Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report.
I thank you in advance for your cooperation and hope to hear from you soon.
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| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XX/XX/2022 I reached out to Personify through CFPB website to file a complaint with this company, before that I filed a police report and identity theft report which by law served as part of the notice and procedure I have to follow to get a block of this information. I uploaded these things to the CDPB website to forward to the company. I was closed with little explanation and no further steps taken to remedy The consumer after i put the company on notice about me not consenting to the pulling of my credit report and evidence that gat give authorization to this company to continue to report this because it is accurate. I have mailed a certified mailing letter to this company to cease and desist and it arrived XX/XX/2022. I am waiting for a deletion and a response. This company is stopping me from obtains household and personal items due to this fraudulent account on my report.
|
| 07/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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My most recent call to Personify Financial was, Monday, XX/XX/2020 @ XXXX XXXX. PST. I asked the representative, why after paying {$3300.00} in current payments, why was there no payments applied to the principle amount of the loan? The representative, stated that although, my original loan amount was only {$2600.00}, it showed that my total payments of {$3300.00}, went toward only the interest of the loan and as of Monday, XX/XX/2020, I balance is {$2700.00} at an interest rate of 154.81 % and no payments applied to the principle amount of the loan.
I asked, if, they could work with me to lower the interest rate, on Monday, XX/XX/2020.
and in XX/XX/2020 at XXXX XXXX and at both times, I was refused and declined any other assistants on my loan. If, I pay this loan off as it stays, I would have paid a total of {$3300.00} + {$2700.00} = Total of {$6000.00}
|
| 01/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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I originally got the loan in XXXX for a trip out of the country. I didn't realize the damage i was going to endure through out the loan. I kept receiving emails to refinance at a lower interest rate which was XXXX XXXX at first and dwindled down to around XXXX XXXX after refinancing. I am basically now stuck in this loan and have been paying for years.
I recently was laid off and now they will not stop payment until I find a job. they will continue to take money out of my bank that doesn't have the money to pay the loan payment. I don't want to close my bank account I have had for XXXX years. They will not help me and I am out of options on what to do with this high interest loan. I have paid more then I have owed probably XXXX or XXXX times over. {$140.00} XXXX a month. I am still on time but I know what will eventually happen.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of.
I have never done business with your company at all.
|
| 05/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Got Loan f rom company on approximately XXXX / XXXX / 2016 to fix my automobile in anticipation that my Insurance Company XXXX XXXX would be paying for damages incurred by a freeway accident on XXXX / XXXX / 2016 . XXXX XXXX found a way to deny my claim on XXXX / XXXX / 2016 and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharki ng laws, California, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be abl e to receive the loan.
|
| 05/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Got Loan fr om company on approximately XXXX / XXXX / XXXX to fix my automobile in anticipation that my Insurance Company XXXX XXXX would be paying for damages incurred by a freeway accident on XXXX / XXXX / XXXX . XXXX XXXX found a way to deny my claim on XXXX / XXXX / XXXX and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharking laws, Cal ifornia, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be able to receive the lo an.
|
| 01/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Im getting calls at my work for a debt that supposedly my wife has. We already paid any debts through a debt consolidation company and have confirmed that the debt is taken care of. However this callers is informing me without confirmation or collecting any info and is calling daily even after I told him not to call my job both my wife and I have never used my jobs number for anything. The caller is telling us that the client is willing to settle the collecting with a payment {$400.00} and we have to act in the next three hours. I told him that he needed to call my wife and he said he already did and that he was going to tell the client that they needed to go ahead and do aggressive measures. The next day he said that he didnt say that and that we could make the payment.
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I got a pay day personal loan with personify financial a little over a year ago. the interest rate on this loan is too high and so i had my bank block them from taking money out of my account because they were asking for too much to repay the loan. they then charged off the debt and it's been charged off for over a year, without them turning it over to a collections agency. they refuse to tell me who the collections agency is and refuses to turn the debt over to a collections agency. this is affecting my credit and ability to refinance my mortgage. i would like for them to update the credit bureau transunion to remove this from my report. thanks. in addition, now they are asking for an offer of over $ XXXX when the initial loan was only $ XXXX. that is insane.
|
| 10/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Due to the COVID-19 pandemic, I had been removed from a full-time to XXXX ( as needed status ) at the organization where I am employed. Moreover, the state of Illinois had a mandatory stay at home order for Illinois residents at this time. I have reached out to XXXX, regarding the change in status and how my income was being adversely impacted on XX/XX/2021. I received a response on XX/XX/2021 regarding an assistance program offer. According to XXXX this agreement would defer three of my payments and bring all information and payments current. I agreed to the offer on XX/XX/2021 which should shows my account in good standing. Although this hardship provision is in place, XXXX has reported my account delinquent and missing a payment to the credit bureau.
|
| 10/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Due to the Pandemic my Husband has been out of a job and we are in financial distress at the moment. We are having issues paying our loan thru Personify and they have sent me a loan settlement offer in an email. But after numerous attempts I can not get them to confirm this offer in writing or email, they only offer doing it over the phone which I am not comfortable with. I would like something in writing. I have sent them numerous emails requesting this and even suggesting terms I could pay. {$2800.00} one time payment or {$4000.00} over 6 month period. However I just keep getting a runaround. I would like to settle this debt but this company Personify is impossible to deal with. I also have already made well over {$4000.00} payment on this loan.
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.
|
| 03/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out this loan a year and a half ago, I understand that payday loans have got high interest rates, but this rate is almost at 100 % interest. I have been making payments since XX/XX/2020 and still have almost 2 years left of payments left to go. I have paid off very little applied. On a {$2700.00} loan, only approximately {$350.00} has been applied to principal {$2900.00} has been applied interest.
Although I understand that these loans are higher rates, I feel that this takes advantage of people in desparate financial situationswho feel they dont have any other options. I would like to see what can be done to get this loan closed out as soon as possible, since I have already paid a few thousand to this company.
|
| 04/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Older American |
|
I requested a FORM 1099-C from Personify Financial. They ignored my request, pursuant to 15 USC 1681s-2 See letter labeled Exhibit A The Internal Revenue Service defines a CHARGED OFF debt as Gross Income or Ordinary Income. Income does not get reported on a consumer report.
Personify Financial are furnishers of information to a consumer reporting agency. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall NOT furnish any information relating to a consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
I requested a FORM 1099-C NOT a request to validate an alleged debt. See letter labeled Exhibit B which confirms the account was charged off
|
| 12/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I received an offer for prequalified line of credit from personify on XX/XX/XXXX. I made application provided all of my documents and let me know would be 24 hour process to qualify for the loan. I heard nothing back in a few no correspondence from the company whatsoever on calling on XX/XX/XXXX, I was told I was declined without reason. Now my credit is affected because of the inquiry and I have no reason why I was declined. Should not be able to send out pre-qualifications and preapproval without being able to provide a loan. I feel baited into this application because it was directed to me personally and I would not have otherwise applied if I had not received the mail and offer
|
| 07/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I was referred to this company through XXXX XXXX which I took to be a reputable company because of the referral. I was skeptical because I have a chapter XXXX filed 3 years ago and sub par credit.
I was granted a XXXX dollar loan which I expected to be a high interest loan. My complaint is that on top of the accrued daily interest they charge me they added XXXX dollars to the balance from day one.
In looking at their terms more closely their rates and fees are not fair and are considered predatory in giving loans to someone who frankly cant afford to pay it off and I feel that is their game which ends up in collections where the balance due will balloon with fees.
|
| 11/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
on XXXX XXXX received a pre-qualified offer for a loan ... I went to their online application completed the information and was quoted a 98 % apr. for the use of money ... .A competing company quoted me 13.5 % for the same type of loan. XXXX needs to be investigated on the loan rates they are quoting people and the legality of their rates.
this is their official offer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months {$6500.00} 98.50 % {$260.00} biweekly 36Select Other offers you may want to consider AmountEstimated APR*PaymentsLoan Months {$5000.00} 98.50 % {$200.00} biweekly 36Select {$7500.00} 98.50 % {$300.00} biweekly 36Select {$3500.00} 98.50 % {$140.00} biweekly
|
| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
|
| 04/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was approved for a loan for {$3500.00} through XXXX XXXX in XX/XX/2018. My payments are {$140.00} biweekly. To date I have paid over {$1800.00} on time. However, my current balance is over XXXX which is over the amount I borrowed. I am being told that my interest rate 98 % and if I pay according to the terms of the loan, I will pay out over {$10000.00}. I want to pay what I owe plus a fair interest rate for someone with my credit profile but I am not able to comply with the current terms of the loan. I need assistance in making sure that XXXX XXXX is fair in their loan terms and updating the current terms which are clearly predatory.
|
| 03/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Initial request gave an incorrect interest rate. I am currently paying an unbelievable interest rate. My loan details are as follows : Account Type Installment Loan Original Annual Percentage Rate ( APR ) 98.90 % Original Term 72 Months Contract Date XX/XX/XXXX Current Maturity Date XX/XX/XXXX Current Interest Rate 93.50 % Current Payment Amount {$410.00} Current Payment Frequency Monthly Amount Financed {$5000.00} Outstanding Principal Balance {$4800.00} Accrued Interest {$510.00} Unpaid Fees {$270.00} Total Outstanding* {$5600.00} I have been paying for over a year on this loan and now owe more than what the original loan was for.
|
| 03/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I applied for a loan through Personify with the interest rate of 8.9 % after receiving the email it was actually a interest rate of 89 %. I have made 3 payments of {$600.00} totaling {$1800.00} which only {$9.00} have been paid off the principle of the loan. I called the company to see about getting a lower interest rate and how I can get more applied to the principle, they told me after every 6 payments made on time I would get a 2 % decrees. I am a XXXX veteran who needed a small loan to get caught up on some bills. I am asking to see if a company can truly charge such a high interest rate. or what I can do about this.
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
|
| 03/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I have been on XXXX since XX/XX/XXXX, I needed this loan to keep current with my bills after XXXX. The loan origination date of my loan is XX/XX/XXXX. I called XXXX today to check on on my loan balance and it turns out that after making every payment on time every 2 weeks for nearly a year I owe {$500.00} more than I borrowed. so I pay {$140.00} every 2 weeks, my original loan amount was {$3000.00} and I now owe XXXX this doesn't seem fair and due to my XXXX I am currently unable to work and these payments are strain on my ability to stay current with my other bills. Is there anything I can do about it.
Please Help
|
| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, I took a loan from Personify financials in 2018 in the amount of {$3900.00} A remaining amount of {$1300.00} was sent to a collections agency called XXXX XXXX XXXX last year. In XXXX of this year I called XXXX XXXX XXXX and they agreed that I should pay half of the {$1300.00} and the account will be closed.
I did pay that but the full amount was still showing on my account until when I filed a complaint. Funny, enough the company has the account as still opened with an amuount of {$650.00} instead of closing the account as settled.
I would be glad if you could help me with this issue Thank you
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. Personify Financial is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by Personify Financial that rebuts my position.
While the burden of proof lies with Personify Financial, I am willing to pay any amount owed plus 75 % interest upon Personify Financial presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.
|
| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Personify ( Applied Data Finance ) knows that I am represented by an attorney yet the continue to contact me to solicit me not once, but twice in XXXX. This is a violation under the California Fair Debt Collections Practices Act 1692 c ( c ) After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive.
No lawsuits are filed as if this time. I want this harassment to stop, but it keeps on going instead.
|
| 05/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
I opened this loan on XX/XX/XXXX. The payments were high and the interest rate was astronomical. When the pandemic hit I tried to get a reduced interest rate, but to no avail. This loan is illegal in the State of Florida where I live. The last payment I made was on XX/XX/XXXX. This predatory loan should be erased from my credit report. It shows as a bad debt when in fact they are an illegal company charging almost 200 % interest and a 5 % loan origination fee. I want the entire debt erased and all information about this loan removed from my credit report as soon as possible.
|
| 06/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 03/14/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
|
| 10/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I reached out to the company Personify Financial about the information on my credit. I let them know that my identity was stolen back in XXXX and I have no knowledge of this account. The went through and had me file paperwork to prove it wasnt me I filed that paperwork and they came back and said it was me. The account was opened on XX/XX/XXXX, with no payments made. I have reached out and filed disputes on this multiple times and nothing has happened. I was also never reached out to about this account, just saw it on my XXXX XXXX day when looking.
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
|
| 10/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
I can not remember how I heard about XXXX. I applied for a {$3900.00} loan back in XX/XX/2017 not realizing until the other day just how much the interest rate and finance charges I am paying to them. I borrowed {$3900.00} and the total amount I will have paid back is {$12000.00}. I was in total shock. I am paying {$150.00} per pay period. I know in ignorance I did this to myself but is there a law against someone charging 98.23 % annual percentage rate. This is such an awful rip off. Please advise if there is anything that can be done about this.
|
| 03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, I owed a company called Personify Financials. An amount of {$1300.00} went into delinquency in XXXX and was given over to a collections company called XXXX XXXX XXXX. I made the payment to the XXXX XXXX XXXX on XX/XX/XXXX.
All attempts to remove the delinquency from credit has failed when the agency told me it will be removed after i make the payment. I called the XXXX XXXX XXXX and they told me to talk to personify since they are the original lenders. Personify isn't also responding to my requests. Please look into this for me Thank you
|
| 10/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Back in XXXX I had identity theft and accounts were open with my information. It got to the point where my social has issues now with the IRS due to the theft. This company I have no knowledge of, when I looked at the last case I created the address and other information doesnt even match any past addresses or information of mine. This needs to be removed immediately and when I let Personify know it was identity theft they told me to fill out a form and send it in. When I sent that information a hour later they told me to pretty much kick rocks.
|
| 10/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I received, by mail, a letter advising me of my " pre-qualified '' loan for {$7500.00}. '' - " To guarantee you pre-qualified status, be sure to request your money before XX/XX/2018. I applied using the appropriate " Pre-Qualified Code '' before the XXXX date as described in letter and was denied credit.
I would consider this a UDAAP violation as is misrepresents the pre-qualified status and if anyone else experiences similar notification and denial would consider this a class action. I have a copy of the letter should you care to review.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
0n XX/XX/22 there as a hard inquiry for a loan by an agency in XXXX XXXX called Personify which I did not solicit or requested.
When i XXXX searched the firm and checked my credit core I got an XXXX number. I called and its an automated line asking for your last 4 digits of your social and birthdate. I refuse to give this information to get to a live person.
Below is the info from the Credit report : Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Not applicable to me, XXXX Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep XXXX the fingers.
The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
|
| 10/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Apparently this company called XXXX XXXX XXXX claims to collecting on behalf of XXXX. Their call from a Ms XXXX XXXX who claims to represent the lawyers have been persistent during working hours. I tried to negotiate but they would not provide documentation. After that she called my work place several times Tuesday XX/XX/2019 and Wednesday XX/XX/2019 and left voicemails threatening to contact payroll dept.
I am in the process of contacting them to indicate when and where they can call me.
|
| 12/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving messages about personify financial withdrawing money from my bank account ( though i dont see any such withdrawal ) since XX/XX/2020. These messages come to me thrice a month and i suspect identity fraud ( specifically with my phone number ). I did try to contact the company ( without having to give my SSN ) but theres no way i can approach them and discuss this problem. I hope to get to the bottom of this before it turns out a full-fledged attack on my finances.
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In the matter of complaint # XXXX, Personify Financial presented fraudulent documentation to close the complaint. I have issued an verified Identity Theft report for which no rebuttal has been offered by Personify. If Personify maintains that my Identity Theft report is fraudulent & that their documents presented are valid, I have attached an Affadavit of Fact that will help Personify verify the validity of the documents submitted by Personify in complaint # XXXX.
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA.
15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures
|
| 12/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
This loan was applied for without my knowledge. I waa hospitalized over a month and returned home to harrassing phone calls and emails. I have tried to talk to there fraud department and no one wants to help. My signature is not on any contract, my paystubs are easily accessible since I work for a XXXX XXXX I am a victim of identity theft and have closed any checking account that this company had access to. I have reported this to the police and the FTC
|
| 08/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I started this loan on XX/XX/2019. I financed XXXX I have made 15 payments of XXXX totaling XXXX and my loan balance is XXXX, equaling XXXX of my principle paid. My interest rate is 98.98 % I will never pay off my balance at this rate, we are talking about 65 payments of XXXX totaling XXXX. For the consumer looking for a small personal loan, this is outstanding and incredibly insane. How can this be legal? This is getting people in trouble financially.
|
| 03/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I'm renting a home with another person. I received text from my roommate saying that XXXX XXXX XXXX XXXX has called her multiple times asking for me and my location. I contacted them and told the representative that it was inappropriate and it violates confidentially agreement. I also have the voicemail & text messages to prove this incident.
The company 's information is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act Personify has violated my rights.
Under 15 U.S.C 1681 Section 602 states I have the right to privacy.
Under 15 U.S.C 1681 Section 604 ( a ) Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I resolved the initial debt through a debt consolidation company back in XXXX. There was a XXXX balance showing on my credit report in XXXX. I do NOT owe anything to this new company who did not contact me directly and put my account into collections by reporting to all 3 credit bureaus on XX/XX/XXXX.
I do NOT know this collection agency. They did not send me anything and I contest owing anything. Since XXXX I have had XXXX CONTACT with anyone.
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Personify account is paid off and in full but show multiple late payments which is incorrect. When I have notified the company, they simply tell me that the information is correct but refuse to provide proof or assist furthers Payments made from XXXX account ending in XXXX : XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$330.00} XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$120.00} XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$120.00}
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX,
has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 10/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I representative from Personify Financial called me in reference to a payment that was due. I advised the representative that I would be making a payment on Friday. The representative asked me which account would I be using and I explained that I was unsure. Shortly after the phone call, I received an email from Personify Financial with confirmation from a payment when I did not authorize this company to debit my account.
|
| 06/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
When obtaining this loan I was not aware that interest rate is almost 100 %. I borrowed {$3500.00} and will end up paying more than {$11000.00}. How? I can not afford that. In all honesty they were not forthcoming with this information after I applied online and they called me. I have been making {$140.00} payments every two weeks since XX/XX/2020 and I still owe XXXX. How? Somethings not right about this company.
|
| 08/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I notified Personify that the account was fraudulent and provided them with the completed fraud paperwork and a police report the beginning of XXXX. They continued to call to collect the debt until XX/XX/2022. On XX/XX/2022 they charged off the account and it is now showing on my credit report as a charge off. I did everything Personify requested of me and this account needs to be removed from my credit report.
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 01/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
This company preys on hard working Americans. High interest rates ( almost 100 % ) I have asked for help several times, forbearance, deferral, lower rate, etc to no avail. During this time, My hours are low, income is low, and there is nothing they " can '' do. Now, my credit is bad because of them, and I do not have any options. They dont care, and I do not know what else to do. Please help.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I've disputed inaccuracy on my credit reports. I've asked all three credit bureaus to verify the accuracy of the accounts if not, remove them. I've asked specifically for those who verified the accuracy of the account and to verify the accuracy across all three credit files. The information always comes back as verified with no information on how or who verified the information.
|
| 07/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.
|
| 05/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a loan online due to financial crisis. I was later advised that online loans are illegal in MN and lenders need an NMLS # to do business in MN. I believe MN law is lenders can't charge more than 33 % on loans under {$1000.00}. The loan was for {$900.00} and interest rate being charged is 41 %.
Is this loan legal? And can they be forced to lower interest rate, if so?
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Personify Financial, this item is fraudulent. I never signed any physical or electronic agreement with there institution for a loan. I have written to them and XXXX credit bureau. I have provided sufficient documentation showing the acct id fraud. However, my words seem to fall upon deaf ears. I need this fraud acct to deleted most expeditiously from my credit report please.
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Today a debt company called " SRS '' called me at XXXX XXXX my local time which it isn't legal to call before XXXX XXXX. They call repeatedly and several times a day. They have called my mother 's phone number :XXXX and mine : XXXX. They have left voicemails on both that legal action may happen about a debt I have with personify.
|
| 03/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
This company stopped applying any percentage of my monthly payments to my principle balance, all of these payments ( 8 months worth ) went all to interest payments. the first 3 months of this loan went as agreed, then the principle payments stopped. The last 3 payments I have made have had them resuming principle payments.
|
| 12/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I told them that this loan was fraud and they sent me an affidavit last year. I sent it back and I stopped hearing from them. After a few months they said they will remove it off my credit. Then proceed to charge my credit like 7 times. Then told me to file a police report. FCRA Section 609 and FCRA section 604.
|
| 05/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XX/XX/XXXX Personify debt collectors called husband and shared information. He was never on the loan taken out, so this is a violation. XX/XX/XXXX they called me today and the man was harassing me asking me to open my email so he could trace my XXXX address.
He called from XXXX asking for a return call to XXXX
|
| 04/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I am being charged an excessive amount of interest. I was offered an opportunity to refinance this loan with the promise that the interest rate would be reduced and it has not been reduced. I am paying {$190.00} bi-weekly and my balance has not moved. This is a UDAAP issue, this is also a predatory lender.
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult.
The debt collector is in violation of consumer rights under the FCRA. I currently have federal charges against the debt collector.
Please see attached exhibit.
|
| 03/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi, On XX/XX/21, I sent a certified letter to Personify Financial to dispute this alleged debt. The address they have on file for all communication is XXXX XXXX XXXX XXXX XXXX, CA XXXX. The letter was returned on to the sender on XX/XX/21 because the address is undeliverable and unable to forward.
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a address listed that is not correct. XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX is not an address i have lived at. I have lived in XXXX for XXXX years. I am XXXX there is a club activity that i have not joined. Was made by applied data finance on XX/XX/19 i did not authorize.
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The account with PERSONIFY with account XXXX been closed for so many years but I kept on seeing it on my credit report. This account has no payment history record. I'm not sure if the 2 Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory.
|
| 11/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/2016 I was approved for a loan for XXXX by personify financial..After numerous medical difficulties I have paid off the principal balance on this loan and have paid close to 7000 dollars in total payments on this loan..But all is left Is the XXXX in late fees on the loan
|
| 01/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was sent an email stating that my interest rate was reduced from 93.50 % to 91.50 % for on time payments. I did not sign up for this high of an interest rate and I do not believe they are allowed to charge me this much. 90 % interest since XXXX of 2022 is crazy.
|
| 04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I have received from XXXX someone apply for a personal loan with my information and I havent done that in the last 6 moths so this company name PERSONIFY show as my recent hard inquiry on my report some stole my information and apply to this company
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
Contacted Personify Financial a few times account XXXX informed me that this is not my account, also contacted all three credit reporting agencies and only XXXX go back to me and still hasn't fixed the problem.
|
| 06/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They disclosed all information to a relative i.e. my personal information Date of Birth, SSN, amount owed and didn't try to verify any information without my consent
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have repeatedly asked for verification through the credit bureau on this account and have received nothing. It is being listed as a chargeoff on my credit report
|
| 05/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This loan was discharged in Chapter XXXX bankruptcy. received a call from XXXX regarding this debt. I am requesting a debt validation as I do not owe this debt.
|
| 07/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Account Name : PERSONIFY Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 07/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Account Name : PERSONIFY Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
|
| 05/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Company approved a high interest loan. Then requested my personal account info fir direct deposit. After submitting account info they declined loan.
|
| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Identity theft. Outstanding balance of {$4900.00} reporting on my credit report. Unverified account. Please remove immediately.
|
| 04/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XXXX overage i can not afford the loans i made a huge mistake i'm severe with XXXX
|
| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
i am a XXXX. some one has been using my info fraudulently
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have never opened this account
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/21/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 11/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 08/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 07/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/04/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/17/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 06/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Phone |
Older American, Servicemember |
|
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 08/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/12/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 01/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 01/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 12/22/2018 |
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
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 02/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American, Servicemember |
|
|
| 12/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Postal mail |
|
|
|
| 07/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|