Bliksum, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32757	Web	Servicemember
I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in XXXX Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the XXXX XXXX XXXX XXXX XXXX website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( XXXX ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section XXXX23 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they XXXX comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Best Regards,
11/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NC 27455	Web
Requested a small payday loan on line.after applying I received a email stating that I have been approved and to call a phone number XXXX. I called the phone number and a customer service gentleman answered the phone he asked me to verify the last 4 of my social and verify the address and phone number that I had given on the online application. He then asked to verify the banking information routing number and account number and also ask for the online ID and password he said this was to check that the account was available, open and mine. He then said that I asked for {$500.00} but my available credit line could be up to {$5000.00} I said no but I could use {$1000.00}. He then said my monthly payments would be {$85.00} a month so I said okay he told me to hold on while he transferred me to the servicing lender agent. After a few minutes a male came back on the phone, sounding just like the man from the beginning, he then said that because I had a low credit rating and not a previous customer of thiers he would have to deposit {$740.00} in my bank account, once the money was there I was to go to XXXX or XXXX or anywhere I could get a free gift card load the gift card and send the {$740.00} back. When I went to XXXX they advised me that this was an ongoing scam and to immediately go to my bank and close my account which I did when I got to the bank the gentleman called me and wanted to know why I didn't get the gift card I explained to him that I wasnt comfortable and that I would not be going through with the initial {$1000.00} loan as discussed of course he was upset I did this in the bank office along with my banker so she heard everything I said. I asked them how I could return the {$740.00} again he said that I needed to get a gift card or to do a XXXX to return the XXXX they could not get a bank wire and I could not return it by debit card. told him that I was not comfortable with the gift card but I felt like I should do the XXXX because then I would have proof that I sent the money back. he then put me on a long hold and came back to the phone and said XXXX could not be done because there was no one to pick the XXXX up. my banker and I found this very strange. I told him that a XXXX will sit there until someone is available to pick it up he gave some excuse why they couldn't be done and that I needed to go to XXXX XXXX, which is some type of money sending service and send the money that way so I deposited the money back into the account but moved all my other money out of that account I went to the XXXX store and was going to use my bank card just holding that {$740.00} to send them back the money the lady told me they don't accept bank cards only cash. When I ask the gentleman on the phone again about XXXX he kept telling me I couldn't do the XXXX. He insisted that I should get a gift card which I did not. by this time the bank was closed I could not get the cash to do the XXXX transfer. he called me at least 35 times while I was driving and sent threatening text messages about me wanting to keep the money that did not belong to me the {$740.00} and that I needed to return it via gift card or through XXXX I told him that because of his attitude and actions that I really felt like something is wrong would send it only by XXXX and that I needed the XXXX information which he refused to give me.when he told me to go to the XXXX money sending place here in and send the money with a code name that I still have on my phone from the text he sent. The XXXX agent said that I could not transfer the money from my bank card they only accept cash when I told the gentleman from this so-called loan me payday loan place he was angry and said I should have just gotten a gift card like he said, he was trying to insist and be threatening that I never intended to pay the loan back I then told him it's XXXX or nothing needless to say he was angry I told him at this time the bank was closed I could not get the cash to send the XXXX and that it would have to be done in the morning he threatened me again he called at least 30 times sent texts at least 10 to 15 times threatening that I would be sued I would be have my bank account seized which I told him I intend to give the money back in the morning through XXXX at that time he told me that it has to be XXXX and call him for the information when I got to the store. He said not XXXX because no one could pick it up from the XXXX XXXX again very strange. so my problem is I am holding {$740.00} that I would like to return but I don't know who to return it to, how to return it, so that I'm covered as far as not holding money that does not belong to me I do intend to wait for your answer and or contact loanme.com to find out what I should do but I will wait for your answer because I'm really confused I am going to transfer that {$740.00} into a savings account and not touch it until I figure out how to return it to these bogus people if they are truly bogus they will not give me any return information unless it's done by this service XXXX and I want to do it through XXXX I am not going to purchase a gift card that is very strange my banker agrees that this should be done legally and a gift card is not legal also we asked about sending a wire transfer to them nothing was acceptable except XXXX or a gift card so please help me in what I should do. Nothing was signed by me or has my signature electronically. The bank account information that the loan people sent the {$740.00} to has been closed except for the {$740.00} that is in there I plan to move that {$740.00} to a savings account until I get further instruction from the Consumer Finance complaint department. I also told the loan people they can retract the money from the same account they deposited it to. They said they could not. So please advise ASAP Thanks
11/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 902XX	Web
Dear XXXX XXXX, I hope this letter finds you in good health and high spirits. I am writing to formally dispute the inaccurate reporting of late payments on my credit report by XXXXLoanMe since XX/XX/XXXX. Over the past year, I engaged in negotiations with representatives from your company due to a reduction in my commission income. These negotiations were aimed at ensuring my account remained in good standing and to prevent any negative impact on my credit score. I diligently adhered to the agreed-upon payment arrangement. However, I was disheartened to discover that LoanMe had submitted a total of 10 late payments to XXXX simultaneously. It is concerning that these late payments were reported after an extended period of over 8 months, and since your company recorded these conversations you should have evidence of recorded conversations with representatives. Below is a detailed timeline of the negotiated payments, which were different from the original loan agreement : XX/XX/XXXX XXXX, I spoke with representative XXXX , who confirmed that a payment of {$760.00} would keep my account current and prevent any late reporting. This payment was successfully cleared from my XXXX account on XX/XX/XXXX ( see attached document ). XXXX also mentioned that this payment would count as two payments due to a company " special '' offer. XX/XX/XXXX XXXX, I spoke with XXXX to arrange another payment. XXXX informed me that if I made a payment of {$1100.00}, I could qualify for a " hardship special payment match, '' provided the payment was received by XX/XX/XXXX. I scheduled two payments of {$560.00} each, which were cleared on XX/XX/XXXX and XX/XX/XXXX, respectively ( see attached cleared payments ). These payments were intended to cover my obligations into XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX at XXXX and arranged another special payment of {$740.00} ( confirmation # XXXX ), which was duly cleared from my account on XX/XX/XXXX. XX/XX/XXXX XXXX, I made another payment of {$400.00} ( confirmation # XXXX ), as suggested by XXXX XXXX to prevent any late reporting. The payment was cleared from my account on XX/XX/XXXX. XX/XX/XXXX XXXX, I called XXXX again to confirm the minimum payment required to avoid late reporting. She reiterated that a payment of {$400.00} ( confirmation XXXX XXXXXXXX ) would suffice, and I scheduled the payment accordingly. The payment cleared my account on XX/XX/XXXX, and XXXX reassured me that nothing would be reported late. XX/XX/XXXX XXXX, I spoke with XXXX once more, seeking her guidance. She informed me that a payment of {$400.00} ( confirmation XXXX XXXXXXXX ) would prevent any late reporting, and I scheduled this payment. The payment cleared my account on XX/XX/XXXX, and XXXX assured me once again that my account was in good standing. XX/XX/XXXX XXXX, XXXX informed me of a loan payoff special that offered an 85 % discount on my present loan balance, enabling me to settle my account in full for {$2200.00}. She assured me that, with the following payment schedule, there would be no late payments on my credit report, and my account would show as " paid in full '' and " paid on time. XX/XX/XXXX : {$650.00} ( cleared on XX/XX/XXXX ) XX/XX/XXXX : {$650.00} ( cleared on XX/XX/XXXX ) XX/XX/XXXX : {$650.00} ( cleared on XX/XX/XXXX ) Additionally, on XX/XX/XXXX at XXXX, XXXX requested to add another payment of {$400.00}. Despite this late change, she assured me that my account would be paid in full, and there would be no late reporting. We added this payment to come out of my account on XX/XX/XXXX ( and this payment cleared my account on XX/XX/XXXX ). To my astonishment, Saturday ( XX/XX/XXXX ), I received an alert from XXXX indicating that LoanMe had reported 10 late payments, in direct contradiction to our previously agreed-upon terms. I immediately followed up with XXXX on XX/XX/XXXX at XXXX XXXX to understand what went wrong with my account. To my disappointment, she now denies ever assuring me that my account would not be reported late. Instead, she mentioned that their back office was overwhelmed, and she could not assist me in rectifying the situation. I reiterated to her that this was not our original agreement, and I am deeply troubled that LoanMe did not uphold our negotiated terms. I hereby request that you investigate this matter thoroughly and correct the inaccurate information from my credit report. The erroneous reporting has had a devastating impact on my financial standing, which I trust you can empathize with. I am hopeful for a swift resolution to this distressing situation. I express my gratitude in advance for your understanding and cooperation in resolving this matter. Please find attached all relevant documentation supporting my claims. If any additional information is required, I am more than willing to provide it. Thank you for your prompt attention to this serious issue. Your assistance in resolving this dispute is highly appreciated. Sincerely,
11/07/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90650	Web
I have a Business Loan with LoanMe and due to the COVID-19 pandemic, I have been having a difficult time with payments due to issues with the Ports, trading wars and transportation that was affected by the pandemic and slow trucking business. I have been on several calls explaining my situation and I was offered Covid-19 relief, but they still continued to call. On XX/XX/XXXX, I was sent an email correspondence from LoanMe / XXXX XXXX offering me a Loan Modification, changing my Current Interest Rate : 24.00 %, Current Payment Amount : {$1100.00}, Current Maturity Date : XX/XX/XXXX to a Modified Interest Rate : 0.00 %, Modified Payment Amount : {$390.00}, Modified Maturity Date : XXXX/XXXX/XXXX. This Modified Loan Agreement was based on the principal balance of {$47000.00}. My original loan began XX/XX/XXXX for {$50000.00} and as you can see my balance has only decreased by {$2000.00}. I made my first payment of {$390.00} on this new Loan Modification Agreement to accept the offer and to act on good faith on XX/XX/XXXX and cc 'd XXXX XXXX along with responding to XXXX XXXX. In my email response dated XX/XX/XXXX I asked MrsXXXX XXXX for confirmation that the agreement and email were received. I even included the ref. # of the payment made through XXXX XXXX and informed them that my payments will be made on the XXXX of each month. I have been inundated with phone calls every month 3,4, 5 times a day about making a payment. I have spoken to several people, email several people and I have been assured that my account will reflect that payments will be sent on the XXXX of each month. The calls keep coming. I asked that all communication be done through email or US postal service and my request has not been honored. In XXXX, I received an email on XX/XX/XXXX from XXXX XXXX / Department Manager and I responded to her about the excessive amount of calls about making a payment when I am not late or nor have I missed a payment. I expressed to XXXX XXXX that I feel attacked and harrassed for no reason.Then another email was sent on XX/XX/XXXX and another one on XX/XX/XXXX along with the phone calls. LoanMe has created an environment of violating consumers rights with no regards to the laws of this state that protect consumers from this type of behavior. I just sent out two certified and signature receipt for LoanMe XXXX. XXXX XXXX, XXXX TX XXXX, signed by XXXX XXXX and LoanMe XXXX. XXXX XXXX, XXXX, CA XXXX signed by XXXX XXXX regarding the next 12 payments that will be sent to LoanMe effective XX/XX/XXXX. I am afraid that they will not honor my letter and the 12 payments that will be made because they have not honored anything pertaining to my requests so far. I have been honest and have made my payments in good faith and they are still harassing me daily. I decided to file this complaint with the FTC because you should be aware of what type of treatment this company is causing for their customers. We are all in situations that are not favourable during this time of uncertainty and companies like LoanMe are added to the stress and depression to millions of people unnecessarily. They are using different numbers to call and the calls are being made back to back and all day long. I received a call this morning from a representative named XXXX and I explained to her that my account should reflect that my payments will be made on the XXXX of each month which I was promised from XXXX XXXX who stated that she would do on XX/XX/XXXX. This still has not been done. The representative stated that she didn't care and will continue to call me after I asked her not to. I need help to resolve this issue and will be seeking other avenues to stop this type of harassment. I just looked at my account and see that my three payments that were made do not reflect the balance it should. My balance once I accepted the Loan Modification Agreement was {$47000.00} and I looked at the balance as of today XX/XX/XXXX it's {$47000.00}. I have made three ( 3 ) payments so far and the balance should be {$46000.00}. I am not sure why my balance is only reflecting 2 ( two ) payments instead of 3 ( three ). Thank you. XXXX XXXX XXXX XXXX XXXX XXXX
04/22/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	SC 29609	Web
I had a severe health issue ( documented health records available ) XX/XX/XXXX and was out of work for five months. I started back work and needed to draw some money to get back on my feet for myself and my family ( being a full-time single parent ) My credit score was not wonderful at the time and searched for whatever I could find online with the intention to pay it back quickly. I applied for a {$4000.00} loan on XXXX with the company Loan Me with a 98 % interest rate. The loan was conditionally approved on that same day. I had a plan put together to have this paid off within 6 to 9 months with my new job. I was making on-time regular payments of $ XXXXmonth via automated draft from my checking account. Within only a few months I realized that plan was not going to play out how I hand hoped. In the beginning when I called the company ( I can pull phone records for dates/times etc. ) every representative at the call center would repeat my entire full Social Security number, my entire full bank routing and checking number out loud over the phone- which was my first, but not only concern. In which, I addressed directly and was told that was their protocol. ( not even a full account number and last four numbers of my Social Security number would suffice ) Every time I attempted to call again ( 2-3times each week- I have records ) I asked to speak with someone regarding adjusting my interest rate I was given the runaround and told no one was available to discuss that. After five months of making payments in the amount of {$330.00} and I still owed {$3900.00} Finally then, after months of calling and demanding to speak with someone regarding my account they finally connected me to someone and had to beg them to agree to lower the interest rate to something more reasonable- all they offered was 75.95 % on XX/XX/XXXX. I still had my payments set up to continue to automatically draft out of my bank checking account until on XX/XX/XXXX I received an email saying my account number had changed. Apparently this company was bought out, or switched hands in some respect, and I was given no notice there of. I have a list of phone records calling the same company several days each week for over a month of leaving messages with no return calls, or going through the automated phone menu where the prompts were curiously not working to get me to anyone in customer service. Interestingly enough- if you called another number at Loan Me to speak with someone to take out a new loan they answered the phone immediately. That same department in the same company ( Loan Me ) would then attempt to transfer me to the right department and the results were the same as if I called that department directly with no way to get in touch with anyone, nor a returned phone call. Finally after over five weeks of trying to contact them to discuss my account, someone called and I simply asked them to take my bank information off of the records and that I would pay buy check via mail. I also asked in that same phone call to speak with someone to discuss my account regarding either a settlement, or pay off, or to adjust the interest rate one last time to make this more manageable- seeing that I held my account in good standing for over 14 months with not a single late payment and was told no one was available to discuss my account. Now, and including, everything I have stated in the difficult time Ive had trying to get this resolved, I am asking for help from someone else to get involved with these obvious business practices that are taking advantage of consumers that are already in a vulnerable position. Thank you kindly for your time and consideration in listening and understanding my reasonable concerns.
07/02/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA XXXXX	Web
I took out a loan from LoanMe in XXXX. This I should have not taken and the problems with this company has been non stop for 2 years. The loan was for XXXX As of to date I have paid them XXXX Yet they still tell me I owe them XXXX. They never would send statements until all of a sudden in XXXX they sold the loan and then started sending statements which also state this was a 0 % interest rate. They switched websites and deleted all past payment history. For months I requested payment history and disputed every time. Again they ignore. Included in documents you will see every single email they just stop responding on. I requested all correspondence to be done in writing due to all of the harassment and lies they would spew on the phone. Not once taking blame. This type of loan which was at 138 % APR has been illegal in CA since XXXX. I have paid this and then some. I have no issues with any of my other bills or debts. I refuse to pay on an illegal loan they then tried to modified to make legal in CA and still can not get this straight. They ignore all emails. They refuse to have any documentation or correspondence in writing because they know this loan is illegal and still expect me to pay and ignore my disputes. While ignoring my requests they then illegally report the loan as 120 days on my credit report instead of responding to me. This company is corrupt, predatory and illegally doing financial business in CA and trying to collect more than the legal amount in CA. I also had XXXX contact me in XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX to LM.Correspondence I JUST saw this today On Mon, XX/XX/XXXX, XXXX XXXX XXXX wrote : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Loan No. : XXXX Total Amount Due : {$2200.00} Re : XXXX XXXX and SAVE up to {$1500.00} Dear XXXX XXXX : Were offering you this one-time opportunity to settle your unpaid balance and save up to approximately {$1500.00} on your LoanMe loan. Currently, you have 27 monthly payments of {$110.00} remaining on your loan, which adds up to {$3000.00}. We are proposing the following options to settle your loan today : One lump sum of {$1500.00}, due and payable on or before XX/XX/XXXX. This is a 25 % reduction of your current principal balance and would result in a savings of approximately {$1500.00}. Or : Personalized Loan Mod : With little to nothing down, we'll XXXX out your past due amount, adjust your rate, and drastically LOWER your monthly payment. Plus, when you honor either of these options, we will notify credit reporting agencies that your account has been paid as agreed. You must call our office on or before XX/XX/XXXX to accept this one time deal or this offer will become null and void. There are also several other available options that may fit your current situation. Well listen to your concerns and work with you in every way that we can. All you need to do is contact us at XXXX ext. XXXX. Sincerely, XXXX XXXX LoanMe , Inc . XXXX ext. XXXX NOTE : If you fail to make each monthly payment on time, the terms of the settlement will be null and void and you will be responsible for the full amount owed. This communication is an attempt to collect a debt and any information obtained will be used for that purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
09/10/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA XXXXX	Web
To whom it may concern : On XX/XX/2020, I received a phone call from a blocked number. The caller informed me that 'the county ' had a warrant out on me and wanted to verify the information for the warrant. I asked what county and the caller could not say. I had previously received calls from others attempting the same type of court summons scam, so I was prepared how to respond. I asked for the callers name and company address and he refused to provide. Assuming it was a scam, I declined to provide any further information the caller requested, at that point the caller threatened to send the warrant to my work address. I told them to go ahead. The caller hung up and told me he was going to call back. He did call two more times and did not get any further with me and eventually hung up. Almost immediately afterwards, I received a message from a friend of mine advising he had just got what he described as a scam phone call on his answering machine and forwarded the message. The caller identified themselves as XXXX XXXX from the legal department but did not identify what company they worked for. The message advised that if I did not call them back at XXXX XXXX XXXX XXXX, that the authorities would try to arrest me at my friends address. As my friend is a retired employee of the US Bankruptcy Court, my friend understood the call was most likely a scam and did not call them back. The file number referred by Mr. XXXX was XXXX. I called back that same day. I was not able to reach Mr. XXXX directly, but the person I did speak with advised that I had an account with LoanMe that had been referred to 'the county '. When I asked them to send to me in writing proof that I did indeed have a debt with them and that they were authorized to collect on their behalf, the response was that he worked for a 'network of lawyers ' and she was not required to do so. I asked for the California State Bar number of the lead attorney. The person then asked me to hold. I was then transferred to what I assume was a supervisor. That person repeated most of the things the previous agent had, and said that if I did not respond, that county authorities will be coming to my work. Again, I advised the agent that if they have a summons for me to go ahead and deliver it. The supervisor became much more aggressive and threatening in their tactics the more I pushed back and pointed out that each threat they made was illegal per the Fair Credit and Reporting Act. They also threatened to send county authorities to my home. I advised them unless they have written verification of debt to leave me alone and hung up. I have had accounts with LoanMe in the past, but as far as I know all accounts are closed. So, I do not know if this is indeed a scam or an attempt to collect a debt. If they feel I have a legitimate debt with them, they should use legal means to do so as outlined in the Fair Credit and Reporting Act. Whomever is calling on their behalf never identified themselves as a debt collector which is itself a violation and I fully intend to take the matter to Small Claims Court. If this is a scam, I hope I have done enough to stop them from calling me or my friends back. But still need your help to make sure they do not try this with anyone else. I have phone records if you need to help investigate-please do not hesitate to let me know if you do. Thank you for your time. I sincerely appreciate your help in this matter. Best regards, XXXX XXXX
06/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 900XX	Web	Servicemember
There are at least 8-9 negative accounts on each two of three credit reports that I have with XXXX and XXXX. I have one with XXXX. After reaching out several times to all three bureaus about these items that were fraudulent on my reports, they in turn reached out to each creditor ( so they say ) with my concern. Within days, my reports came back as verified and accurate. I have requested from credit bureaus as well as all creditors involved to provide me with my handwritten and/or electronic signature as proof that I am the one who opened the accounts per FCRA guidelines. NEITHER companies will comply and is in direct violation of the law. I have compiled my police report ( requested to obtain from XXXX this year ), ID Theft affidavit ( dtd last year ) showing the accounts were not mine, as well as justified staff opinion letters, and a notarized item letter to address each account in question. All of my legal documents were ignored, and discarded. The credit bureaus/creditors still have not been able to provide me with proper documentation of my signature so that I may move forward in a civil suit against the perpetrator who has used my name and identification fraudulently. That is the main reason why I need this information, but since the companies have failed to provide me with it, now they are in direct violation. According to FCRA sect 6 ( b ) guidelines- Consumer 's signature must be provided as identification method for an account to be declared verified. If it can not be, the report must be fixed to reflect the deletion of the item permanently from the report. Be advised that if there is no resolution to this case, I will be including these companies in my lawsuit as well.The following creditors are in question : XXXX ( cert letter sent XXXX17 ) listed 4 times on XXXX report, 3 times on XXXX report, and 1 time on XXXX- all different account numbers. This company has failed to even respond back to my request for the legal contract with my signature. XXXX XXXX- ( cert letter sent XXXX17 ) listed on XXXX and XXXX report- responded back with ID theft affidavit/police report which I in turn sent back to them ( still awaiting their response ) XXXX XXXX listed on XXXX/XXXX report- ( cert letter sent XXXX17 ) responded back without providing legal signature of signed contract. Mysteriously sold the account to an unknown company thereafter. BE IT KNOWN that I shall have no dealings with third party debt collectors, only said original creditors that are listed on my report per FCRA guidelines. XXXX XXXX aka XXXX XXXX- listed on XXXX/XXXX report- ( cert letter sent XXXX17 ) responded back with a " typed name '' and using that as my signature. This is unacceptable and does not fit the requirements listed in the terms of the FCRA. XXXX- listed on XXXX/XXXX report- ( cert letter sent XXXX17 ) responded back with no valid signature on file for me. Just a " clickable dot '' that was suppose to confirm my signature. They quoted the E-Sign act in which this case would not be applicable having had my identity stolen. As we all know, anybody from any computer can do that. Requested MY ACTUAL signature IAW FCRA and they have not responded back. XXXX- listed on my XXXX/XXXX report- ( cert letter sent X/XX/17 ) failed to respond back within allotted 30 day requirement. XXXX XXXX XXXX- listed on my XXXX/XXXX report- ( cert letter sent XXXX17 ) failed to respond back within allotted 30 day requirement.
08/18/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 94533	Web
I took out a loan from XXXX for {$2600.00}. The interest was 135 % and not knowing much about loans I agreed to their terms. By XXXX XXXX, I was barraged with personal tragedies and could no longer afford to pay. Out of shame, I felt unable to explain the situation to them, especially because they were calling my cell phone while I was at work, as well as my work telling my coworkers and my boss that it was an emergency. I felt ashamed for not having a definitive answer as to when I 'd be able to resume payment. I started receiving calls from another person, which were persistent and annoying, then stopped for a month. Then yesterday, it took a horrible turn. My roommate contacted my boyfriend informing him he got a call from someone regarding a bad check and the police were outside our home to arrest me. Horrified, I took off work, called my bank to freeze the account and even called the police. The police told me they needed an officers name and badge # in order to help me further. My bosses and my coworkers saw and heard it all. I felt sick to my stomach! Everything was spiraling out of control already and this was the last nail in the coffin. The person did not give any further information and also called my son with the same claims. I called the number they had left and there was no identity related to any business or even a name, I left a message asking them to call me asap. When I received the call, the lady would not release me from the call, repeatedly stating that if I did n't agree to her terms, I was going to suffer consequences because I wrote bad checks and I was guilty of fraud. She explained quite believably what the law and consequences were in California and stated the police have every right to arrest me and there was clear evidence that could be used against me because I defrauded the company by writing bad checks. I was terrified and even after I repeatedly told her I was unable to pay, she refused to back down. I explained that I didnt even pay rent yet and she again stated that the situation was very very bad and I could go to jail! Finally, under extreme duress I agreed, in tears. I was so Horrified and defeated, I even thanked her and told her to have a nice day. After processing all my emotions and replaying the phone conversation in my head, I remember she told me they called my ex husband, my landlord, my son, my roommate - all numbers I never gave to them and she never stated how she obtained those numbers. I did n't even know my roommates number! Of course, she also never stated that our conversation was being recorded, but if their practice is this dastardly, whose to say they wpuld not splice our conversation? After all of the horrible lies and threats to my friends, family, my workplace and myself, I started to do research. 135 % interest is not a reasonable rate regardless of how bad your credit is! This was a predatory loan all along and it preys upon people who are in difficult crises knowing that people will surely default. I 'm so disgusted! There needs to be stronger regulation restricting such unethical business practices. What these companies are doing are no less than what XXXX XXXX did to his victims and he 's serving time because those people were rich. What about the honest and hardworking people struggling already? Stop the bullies and predators!!! PLEASE!
03/16/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 95825	Web
On XX/XX/2022, XXXX XXXX from XXXX XXXX XXXX called my work phone and left a threating message on my voicemail which is attached below. Per XXXX XXXX XXXXXXXX " Harassment and Call Restrictions Debt collectors can not harass or abuse you. They can not swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also can not make repeated calls over a short period to annoy or harass you. '' After speaking with XXXX XXXX, I advised him that he threatened me on my work voicemail which is not a legal tactic and told him to never call my work line again. He the threatened me once again and said " I don't care of your embarrassed like I said have your boss or owner available to be served at your work location. '' After being extremely emotional, distraught, embarrassed, and traumatized at work he advised me that I would settle the XXXX debt, however when he sent me over the paperwork it had the incorrect amount listed. I emailed several times... Email thread below ... From : XXXX fam XXXX Sent : Thursday, XX/XX/2022 XXXX PM To : R XXXX XXXX Subject : Fwd : Payment Plan letter for # XXXX Good afternoon,, I spoke with XXXX today and the agreement was not based on the XXXX it was based on the $ XXXX amount. Please see below and refer to the phone conversation. I am requesting that my agreement is revised based on the information provided as agreed upon in the phone conversation. I asked him to provide me that in writing beforehand and he refused and then changed the amount in the agreement. I also requested that he provided me the documentation regarding the auction of the vehicle so I can confirm payments have been applied. Please provide me the agreed upon agreement A.S.A.P. Thanks in advance for your assistance. XXXX XXXX corrected the amount and sent over a new agreement, also attached below. After making a few payments I noticed that the account reflected incorrectly. Email below... XXXX fam XXXX Attachments XX/XX/2022, XXXX AM to R ... Can someone also please correct this? This amount is incorrect on the payment site. I appreciate your help with this. Response ... R XXXX XXXX Sat, XX/XX/XXXX, XXXX AM to me The website doesnt reflect reduced payoffs. Settlements can only be dont through the banking department. As you make payments the balance will get reduced and manual letters will get sent out. Thats what the disclosure means under the account information. XXXX XXXX XXXX The amounts are still not correct, and the additional payments were added which was not agreed upon, and then decline notices were sent out. Also attached, XXXX XXXX, called me once again at my work on XX/XX/2022 and advised that he is closing my account simply because he wanted a card on file. However, XXXX XXXX his manager advised me that I can make payments online. After several threatening phone calls, incorrect amounts, and additional payments added not authorized. I'm requesting that my account is paid in full and deleted from all 3 credit bureaus. Documentation is attached below.
08/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92021	Web
LoanMe , Inc . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX After viewing the website, I was called. I was offered a loan of {$75000.00} on or about XX/XX/2020. My intensions were to payoff the loan in 8 months. I didn't understand that I was being charge a loan origination fee of {$7500.00}. Plus an exorbitant interest charge of 79 %. No one would ever agree to such a loan. Four months of {$4900.00} have been automatically withdrawn from my checking account. When my Office Manager Reconciled and compared the withdrawals with the amortization scheduled she realized that all the money was applied to the Interest. At that point, she brought it to my attention. I have reached out to LoanMe, they told me that the Loan is the Loan that they couldn't do anything. I asked to speak with a manager. I have since had numerous conversations with the Manager of the Loans Department XXXX. She said she makes the final decision on Loans. She has no Supervisor. She keeps reiterating that all I can do is payoff the loan. That they will not reduce the balance by any portion of the Interest or Origination fee. The other option is to provide Bank Statements and offer a Settlement. The Settlement is not a guarantee and it will damage my credit. After much effort, dismay and shock, I was left with no alternative but to payoff {$78000.00} today, XX/XX/2020, despite of any hardship that this will cause my company. Especially today in these trying circumstances. I made reference to the below Article California Interest Rate Law, that I found online, when I searched Exorbitant Interest. XXXX claims that it doesn't apply to our loan. It is hoped that you can assist me in re-cooperating some of the money that I was robbed of. Also that this company will investigated and be shut down. I can only imagine how many other individuals have been robbed. Sincerely California Interest Rate Laws Laws relating to interest rates in the State of California are dealt under various Statutes. According to Article XV ( Usury ) of the Constitution of the State of California, Section 1, the maximum rate of interest upon the loan or forbearance of any money, goods or things shall be seven percent per annum. At the same time, if parties agree upon in writing then the interest rate shall not exceed 10 percent per annum. As described in California Code, Uncodified Initiative Measures and Statutes 1919-1 Section 3, any person, company, association or corporation, who had paid any greater sum or value for any loan or forbearance than allowed under the law can recover treble the amount of the money so paid from any person, company, association or corporation who received such interest illegally. Under the same Section, any person who willfully makes or negotiates for a loan of money, whereby s/he directly or indirectly charges interest for such loans in excess of that allowed by law, shall be punishable by imprisonment in the state prison for not more than five years or in the county jail for not more than one year.
04/22/2020	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 945XX	Web
I received a call today on XX/XX/XXXX from a fictitious number leaving a very vague message from a representative at the extension XXXX. On the same day a friend sent a screenshot of the voicemail to text, that the same representative called and left. Today on XX/XX/XXXX was the first time I have heard from this company. I XXXX the number and found it belongs to XXXX XXXX XXXX, XXXX. Below is a transcription of the voicemail that was left by the representative. Hi Good morning Ms. XXXX, this is XXXX. I am reaching out to you XXXX in regards to the notification that my office has sent out to your mailing address. Its in reference to the paperwork that we have here concerning yourself. We still as of today have yet to get any sort of response from you and prior to making any sort of recommendations, Im really hoping for an opportunity to go over the full details of this with you directly. If this is something that you would like your input considered on before anything is decided, Ill be here today until about XXXX O clock Eastern time. My direct number here is ( XXXX ) XXXX XXXX extension is XXXX. Thank you When I returned the call, the representative was very aggressive and stated that this was regarding a debt that was referred to them in XX/XX/XXXX. She was still very vague, and I questioned how she got the contact for my friend and why she would contact a third party regarding this supposed debt. I also asked why so much time had passed before I was contacted regarding this supposed debt, why I had not received any written notice about the supposed debt, and that usually after 30-60 days of no response from the debtor the debt is attached to the credit history she claimed that it was sent via email. I also stated that this is not normal behavior for a collection company and formal written validation of debt is required on the debt collectors part per the Fair Debt Collections Act. The representative became irate and told me that was false and not how collections accounts were handled and that I committed a crime by violating my contract with the original debt. This company has broken many parts of the law and are using illegal tactics to intimidate me regarding a supposed debt they have yet to send a validation for. Below are some clear violations made by this company. 1. This company violated section 805 of the Fair Debt Collections Practices Act which is public law, by contacting a third party regarding my contact information and debt. 2. This company violated section 806 of the Fair Debt Collections Practices Act by using deceptive and misleading tactics in connection with the debt. They also attempted to disgrace me by saying I was committing a crime in relation to the debt, which is also a violation in this section of the Fair Debt Collections Practices Act. 3. This company violated the Fair Debt Collections Practices Act by not sending a written proof of debt showing information about the original debt, original contract, amount owed, proof of debt etc.
05/16/2020	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94534	Web
On XX/XX/XXXX I rec 'd a forwarded recorded message from someone whom I do not live with, stating that a Ms. XXXX with XXXX XXXX XXXX XXXX ( XXXX ) was looking to obtain a statement placed in their office containing my name and social security number, stating to call XXXX. The person who forwarded the message is not part of my household, and the phone number Ms. XXXX called attempting to reach me, is not a valid number for me, and has been continuously leaving messages at various individuals voicemails about the debt. The information was obtained through public records and violated the debt collection act by leaving details that should have been intended for me. I received a direct call on my personal cell phone on XX/XX/XXXX at XXXX XXXX, from the same individual, Ms. XXXX representing XXXX. She stated she was representing the former Creditor, LoanMe with whom I defaulted on a {$3500.00} installment loan in XXXX, after I could not complete the final payment of {$1800.00} estimated balance on a negotiated settlement for the loan. The the loan was sold for collection to XXXX. I told Ms. XXXX that the number she was calling me on this day, was my correct phone number, and and that she is to only speak to me about the debt, and no one else. I advised her that I was unable to pay due to a Federal Tax Lien Filed on my personal property and assets by the Internal Revenue Service in XXXX of XXXX. I stated that I was in the process of obtaining an attorney through my legal team XXXX XXXX XXXX, and preparing to file a bankruptcy petition with a legal counselor. I stated due to the tax lien, no funds would be paid to anyone until a plan was put in place and filed. She proceeded to argue with me about the debt, and ask why I haven't obtained an attorney. I explained to her, that I am a State essential worker, I am in the midst of a financial hardship due to COVID-19, and since the courts were closed, having trouble finding an attorney. I obtained her address, and stated the company she was collecting on behalf of would be notified of the attorney and case when it's finished. Ms. XXXX was also told again on XX/XX/XXXX, if there are further collection calls, she was to contact me directly and no one else! I gave her my number again, and verified my mailing address. With that in mind, she still proceeded to harass me about why I haven't filed, why I haven't obtained an attorney, and that she had a right to call whomever to collect the debt, and I hung up. She is still calling other people and leaving messages, knowing that she has my active contact information on file! Today, on XX/XX/XXXX. I was notified by yet another individual, again, who does not live with me, is not related to me or share the same phone number, that they received a recorded phone message from Ms. XXXX stating they were attempting to collect a debt, and left details on the message. This is a violation of the Fair Debt Collection Act.
06/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 92570	Web
When I first applied on XX/XX/XXXX for this loan with XXXX, I was only looking to get $ XXXX- {$1500.00}. I received a number of emails saying that I was approved upon the company receiving documents from me which was my ID and Social Security card copies. I have paid this loan on time from XX/XX/XXXX of {$240.00} then my payment amount changed to {$290.00} on XX/XX/XXXX and remains the same amount as of today, XX/XX/XXXX. The loan amount that XXXX XXXX, Loan Agent, Direct : XXXX, Email : XXXX said I would need to agree to in order to qualify for a loan was in the amount of {$2500.00} for a term of 47 months and this loan carries an interest rate of 135.00 % and an APR of 139.12 %. As of today, XX/XX/XXXX my payoff amount is {$2700.00}. This is the pay off amount even after making every single payment on time since XX/XX/XXXX, but my XXXX Settlement Contract shows today XX/XX/XXXX would be my 24th payment on this loan at the monthly payment amount of {$290.00} and {$20.00} going towards the principle and {$270.00} going towards the interest of the loan with a payoff amount of {$2400.00}. My settlement principle payments are not being applied to my loan as the XXXX states in the Settlement Contract which violates the contract. I was told I HAD CONNECT MY BANK ACCOUNT for automatic payments. I feel very scammed and seriously taken abuse of. XXXX sent me a copy of my credit report on XX/XX/XXXX at XXXX PST before distributing the funds to my bank, so they could clearly see ( 38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, 19 - TOO FEW ACCOUNTS RATED CURRENT. 15 - INSUFFICIENT OR LACK OF BANK REVOLVING ACCOUNT INFORMATION. ) XXXX also sent me a Risk Based Pricing Notice on XX/XX/XXXX at XXXX XXXX PST that did not explain or show me anything pertaining to me having to pay higher amounts or stipulations because of my credit score. The email only stated information from XXXX that stated " What should you know about your credit score. '' I am unsettled with the reason XXXX provided/approved/extended a loan offer to me with such unreasonable stipulations. By XXXX reviewing my credit history they could clearly see that I would be unable to pay this loan off even as I make my monthly payments on time at the amount that they have set. I believe that I was racially targeted and being a low-income individual with very poor credit made me a target for in-proper finance terms. I was unemployed at the time I applied but was advised by XXXX XXXX XXXX that he would use my previous employment information to qualify me for the loan after I explained to him that the loan was very much needed for emergency purposes. I should not have been approved for this loan unless the Lenders purpose for extending/offering the loan to me was purposely unethical and illegal financial benefits for the Lenders purpose and gain.
06/20/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93309	Web
I took out a loan from XXXX in XXXX. With poor credit I didnt have too many borrowing choices, and the loan was at a very high percentage rate of around 120 % interest. I was in a bind ready to lose our home. Husband was laid off and out of work longer then expected. He did eventually find a job and I made my repayments back to XXXX every month until my husband was laid off again. I talked with XXXX to explain that our income went back down and I wasn't able to continue with the high payments. I asked if they could work with me. They could not. My account was sent to XXXX XXXX out of New York and they offered a settlement amount. I agreed to it and started making payments. I lost my job in XX/XX/XXXX and haven't worked since and my husband took to driving out of state in a big rig to earn money. I tried to keep up my payments with XXXX XXXX and was working with XXXX. Unfortunately due to financial burden I just couldn't keep up and I missed a payment XX/XX/XXXX. This is where the trouble began. XXXX started some type of background check to see what assets I have. She is calling family members and my ex in laws looking for information, even though she has been in contact with me. She stated that they were going to investigate me and my husband so that they could put a lean on his truck and file a court order to garnish his wages. I offered to pay them the missed payment along with XXXX payment but she was not having it and got rude with me. She transferred me to a floor manager by the name of XXXX XXXX and he stated that I only have 24 hours to come up with the settlement of {$3200.00} or further action would be taken to get all the money that was owed from original loan of {$2500.00} plus the 120 % interest along with any court fee costs. He sent me a letter and suggested me to take out a consolidation loan. My credit score is only allowing me few options and it's very stressful knowing I have no way of meeting their demands within the 24 hour time frame they have given me. I am upset that they have had contact with me but yet XXXX continues her investigation tactics and is calling family and ex in laws looking for information or giving them my personal information to verify. She is being dishonest by telling them I gave her permission to call when that is an absolute lie! .when I took out the original loan I was already divorced from my first husband and would not have any reason to give his or his moms information on the loan documents. XXXX is looking into my information and calling people that have nothing to do with this matter. I want it to stop and the threats to stop. I tried to work with them before and still am. I was willing to still make monthly payments and had only missed one payment. This company is breaking the law and I have rights.
08/23/2017	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CA 95356	Web
X/XX/17- I called the ( XXXX ) XXXX number to which it was answered " XXXX XXXX. '' I advised I was calling back to find out about a debt. I spoke with a male ( dont recall him identifying himself by name ). Advised him that I was calling about my debt and wanted to make arrangements. He asked how much I could pay and I said I could pay {$100.00} today and at least {$100.00} a month. Naturally, I advised I would pay more if I could- which I did NOT expect him to take my word for it, but wanted to mention it because I DO want to clear up my debt. He commented " that 's not how it works '' and put me on hold. He said they would not authorize that small of a payment and lectured me on fees and interest. I asked what they would accept and he said {$190.00} and some change with the first payment being in XX/XX/XXXX etc. I asked for it in WRITING and advised I would pay by mail to which he became very unprofessional and said that was not possible. I told him I wanted to make payments but I would not allow them access to my bank account for automatic payments as I 've had a bad experience with this in the past. He refused to send anything by mail- I have NOT received ANYTHING from Practice Financial by mail at all. I can not even find what appears to be the correct company on the internet. I called back and asked for a supervisor who was XXXX ( long last name that I could n't understand ) explained the situation and how unprofessional the first man was and he became just as unprofessional and rude. Again, would not allow by mail payments and questioned my debt paying practices and why I would get this loan if I ca n't pay it etc. I do n't appreciate being badgered. I have worked with the public since I was XXXX and I can not imagine talking to someone the way they talked to me- I was in tears by the end of the phone call. He kept mentioning that if we end the call, the company would litigate against me ... but would not accept my payments by mail ... therefore he was REFUSING to take money to pay on the debt and would not make any options for me to resume paying down my debt and taking care of it. By telling me " if we end this call, we will litigate against you '' I felt I had to stay on the phone and continue being harassed, humiliated, belittled and badgered and I finally could not take the abuse anymore- I ended the call with " See you in court. '' I have EVERY intention of repaying this debt- unfortunately circumstances did prevent me from taking care of it and allowing it to get this far. Everyone has a story, so I 'll save mine. But if I ca n't work with them, how can I repay? Abuse is not ok.
05/02/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	CA 91780	Web
Loan Amount : XXXX Paid to date : XXXX Loan # : XXXX XXXX Personal Loan taken with Loan Me Finance Lender License # XXXX XXXX Paid on time until I hit a hardship. They offered me an 8- payment plan of {$390.00} to begin in XXXX . Paid XXXX , XXXX , called to pay XXXX and their phones were closed for the holidays. When they returned from break, they said because it was not paid on the XXXX they could not honor the payment plan. I was not going to continue to pay more on this predatory loan, and they would not come to an agreement over the {$69.00} current balance. They began to call me, put my account in collections with an incorrect past due amount ( reported to credit bureau ) On XXXX XXXX , I received this letter. Remember, this is 1 month and 2 days later than the payment date ( which was a holiday ) XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX RE : L oan # : XXXX Dear XXXX XXXX , This letter is to inform you of action that LoanMe may tak e with regard to your delinquent account. Pursuant to California law, your income is recognized as a collectible asset and is attachable through garnishment. LoanMe has the right to obtain a judgment against you and attach your wages to collect the judgment. We have verified your employment. Your immediate attention to this matter is necessary. You must contact our office within five d ays of this letter to discuss acceptable arrangements. Sincerely, XXXX XXXX XXXX LoanMe , Inc . XXXX This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. As y ou may k now, in California you must have a court order to garnish wages, I did not appreciate this scare mongering. If I was uneducated, I might have been very concerned. Especially since the balance owed is only {$69.00}. No one wants to have wages garnished for this amount. They have called me 3 times per day and sometimes as late as XXXX . They have now begun to call my work when I have specifically asked them not to, and called me FOUR times in FOUR MINUTES this morning. I sent them an email to cease and desist. They continue to harrass me constantly and call my work. I literally recieve calls from them all day, every day. I was shocked when I started to receive calls from them late at night. Even at XXXX
02/07/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94518	Web	Older American, Servicemember
While searching for a loan to help my wife cover expenses for a new job I applied with LoanMe, who offered to loan the money to me. When I was contacted by telephone initially I was not ready to make a decision without giving it more thought. The company immediately began to call me multiple times a day for the next few days to convince me to take the loan. When I began to acquiesce to their pressure my wife was still concerned about how the interest was computed and was told simply that it would be best to pay it off early. No one mentioned while on the phone that this loan was a XXXX. I decided to borrow the money from them and set up automatic payments and when I decided to stop this method of payment I was once again harassed constantly by phone to continue with automatic payments. I had to fax my wishes to the company in order to make them officially accepted by LoanMe. Even then I was pressured to reestablish automatic payments with whomever I spoke on the phone from that time on. Over the past few months I made most of my payments on time, paying off two-thirds of the principal. The practice of calling me constantly, whether payments have been timely or not, has never abated. The company uses multiple locations and phone numbers in an effort to disguise themselves but I learned to recognize these sources and ignore the calls. I was infuriated to discover when I went online to check my account that I owe much more than what I have paid so far. I checked LoanMe 's website and discovered that I had made a XXXX. This term was never used by anyone from the company in my initial phone consultations or any calls that followed ; to myself or my wife. Now, for some reason, I am unable to access my account online with the sign in information I have used many times before. I can only assume that LoanMe has locked me out because of recent late payments. I wrote a letter to the company to explain to the how I felt about their predatory practices and offered to pay what I owe on the principal. They responded by letter with the details of my contract but no mention of my complaint or of my offer. They later sent a second letter offering to settle for almost double on my offer. I did not respond. I do not question my responsibility to pay back what I borrowed. I do question the character of the company and the method in which they pursue and catch their customers in order to make inflated profits on their financial products. I certainly feel like prey. I appreciate all of your efforts to help resolve the issue at hand.
08/08/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 95358	Web
I was the victim of target marketing as LOANME bombarded me and others in my region. The address where I live and my income would usually disqualify me from such a large loan with a large interest amount. Despite LOANMEs knowledge that they were targeting low income individuals with limited to no ability to keep the loan payment up to date and force default. All it took was one time for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles. I was advertised to in all areas of my life including but not limited to : Phone Calls Text Messages Radio TV Billboards Internet Streaming XXXX Ads Phone Ads Mailers All it took was one time for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles. Once I searched it LOANME knew. And continued to offer me the deals despite the fact I rejected the initial time I looked up the info. XXXX is one of many companies who sell information on what their end users are looking up. LOANME pays for this data. LOANME knows that individuals such as myself who live check to check with low income and no higher education are susceptible to hard times and will get desperate soon enough and when that time comes LOANME will be the first thing these individuals think of because of all the ads from everywhere. If it was just ads there would be nothing wrong with these marketing strategies, however LOANME bought data from various companies to get info on the low income individuals such as myself, so LOANME can then use that information to focus their marketing on those individuals. This is the definition of target marketing and predatory lending. The loan was paid out to me despite the lender LOANME knowing that I would not be able to pay the terms and would be in default. The reason why I would not be able to pay was because the terms of the loan were outrageous and only in place to maximize the lenders earning potential at the expense of myself. I feel I was taken advantage of due to the lenders knowledge of my income and targeted marketing to my region. They know that individuals in my region also do not have high levels of education and they can abuse and impose unfair tactics to these people and take advantage of them due to lack of understanding the complicated loan stipulations and transactions.
09/07/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 945XX	Web	Servicemember
I received a letter dated XX/XX/2018 from XXXX , XXXX . In the letter they threaten to contact my employer and attach my wages. In the letter the only give me five days to respond from the date of the letter which I received in the mail on the fifth day of the date of the letter. They repeatedly contact me on my company phone and called my employer numerous time asking for me and my whereabouts causing concern with my employer. On XX/XX/XXXX XXXX had a process server come to my place of employment and serve my Human Resouces Department with a Plaintiff 's Claim and Order to Go to Small Claims Court. I received urgent messages from Human Resources with concerns of this matter and action. On XX/XX/XXXX another envelop shows up at my place of employment, this time the letter is addressed to my employer with no reference to me on the envelope. So my employer opens the letter and was very concerned that I may be having financial problems. This has caused me undue hardship and embarrassment with my employer which is now have a negative impact on my employment. I have copies of the proof of these actions as I described them to you. I wrote a letter dated XX/XX/XXXX in response to the threatening letter XXXX sent me on XX/XX/XXXX. I sent it to XXXX as a certified letter with receipt from the USPS. In my letter I demand that XXXX stop the harrassing calls to my employer and me during work hours. I tell them that they are breaking several articles of the Fair Debt Collections Act, and list each article they are breaking. I ask them to remove any and all negative debt reporting on my credit report. I warn them that I will file a complaint with the Federal Trade Commission in an effort to get XXXX to stop these damaging actions against me. I have written a letter to XXXX, XXXX in response to their filing of Claim with the Superior Court of California , County of XXXX XXXX. I address their action of contacting my employer when they knowingly have my home address. These actions are unlawful and I need help to get XXXX to stop these unlawful acts. I would like to also ask for any fines to be paid to me for each unlawful act as set forth with the Fair Debt Collections Act. I have called prior to all this asking to settle the debt and offered payments, but they only wanted their interest payments in excess of 100 % interest. Thank you for your help in bringing this company to start following the Fair Collection Practices Act. Respectfully, XXXX XXXX XXXX XXXX XXXX
04/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OR 97502	Web
I applied for a personal XXXX XXXX XXXX around X/XX/17 beginning with their prequalification application. I was contacted by XXXX XXXX to complete the application. Once I spoke to someone a verified the interest rate/apr I emailed XXXX XXXX stating I will not be moving forward with the loan application at this time. From that point forward I began getting an overwhelming amount of autodialer and human operated phone calls to complete the loan application as well as emails ( multiple calls & emails daily ) from XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX . I have my phone records and emails for reference if needed to confirm these allegations. Because I was still in need of locating a personal loan I contacted XXXX XXXX via Chat messaging to complete the next step in the application and have my credit pulled. I completed and provided everything required as I was pre-qualified. I was later informed by XXXX XXXX that my loan was declined due my XXXX bank account bot being open 90 days, I was 2 weeks short of 90 days. I let her know I have an open XXXX XXXX account and that I was currently transitioning from XXXX XXXX to Chase. Immediately once she discovered I was declined she stopped responding to my emails so I had to call her multiple times to get a response. She advised for me to try and apply after X/XX/17 . My adverse action letter stated I was declined due to serious delinquency, collection filed, revolving ratios & proportions, length of time legal item filed. This is not at all why I was explained I did not qualify. If you have to have an open bank account with direct deposit for 90 days should n't that be part of the pre-qualification prior to pulling someones credit and causing a inquiry and potential decrease in score? I feel XXXX needs to re-evaluate their pre-qualification and final approval/decline procedures to be consumer driven so consumer are not under the impression they are approved based on all factors except for a bank account open date. Keep in mind XXXX wanted 135 % + in interest/apr and I was able to obtain a personal loan from another lender with rate of 35 %. I have since been receiving emails from XXXX from XXXX XXXX to contact her to reapply. How would this make sense If my adverse action letter states I have multiple reasons I was not approved yet the same company wants me to apply for a loan 3 weeks later with understanding I would be approved.
05/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 80132	Web
About a year and half ago, I took out a Personal Loan in the amount of {$3100.00} from XXXX XXXX, and my payments are {$350.00} a month. In XX/XX/XXXX, I called to discuss the loan and request a pay-off amount at that time over the phone I was quoted {$3100.00}. I asked the representative how that could be possible if I have been paying the loan on time every month for the last year and a half. The representative stated that when they provide personal loans they advise borrowers to pay more than the amount due in order to bring down the principal sooner than disclosed in the Schedule of Payments. At that specific point in time, I didnt have time or energy to research the issue any further as I was in the middle of selling my house, re-locating, and burying my parents. I called XXXX on X/XX/2017 to obtain a new pay-off quote as now that all is settled, I would like to pay the loan off. When I spoke to Customer Service and requested a pay-off amount, I was quoted an amount of {$3200.00} over the phone. To my surprise, this was more than quote 2 months prior to XX/XX/XXXX, and 2 payments had been made since. I asked the Representative how it is possible that the amount went up instead of down based on the payments made timely, and the Representative stated that I have some type of daily interest accruing on the account. I advised the Representative that I was very upset, and I felt this is abusive and predatory lending. I have been paying on this loan for a year and half, and the amount due now is more than what was originally borrowed. I advised the Representative that I would be filing a complaint formally stating my stance and concerns with regards to this loan. I requested to obtain a copy of all the loan documents in my file as well as a full payment schedule. Its no wonder I do not recall anything about the daily interest or the APR on the loan itself as none of the documents in my file have my signature on them. I fail to understand how XXXX XXXX can hold me liable to terms of a loan that they do not have my signature authorizing the same. I do not deny that I borrowed the money, but I believe XXXX XXXX is taking advantage of consumers who care and pay their loans on time. I would like to review the possibility of having all the payments I made re-adjusted to principal in a manner that is not abusive and predatory in addition to fairness to the consumer. I have attached my loan documents for your review of this Complaint.
11/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 339XX	Web
In XXXX I got a {$1900.00} loan. When I submitted my application it asked for my pay dates which are the XXXX and the last day of every month. Upon review of my loan these were reviewed and agreed-upon. When I received my first statement in the mail my due date was different than my paydays. When I first inquired back in XXXX, there was no explanation. I made a {$600.00} payment. My next due date was in XXXX in which I made a {$500.00} payment. upon that payment I inquired about the payment due dates once again and thats when I was told that their company does not allow for payment due dates to fall in the last day of the month. So I was switched to monthly payments. Then on XX/XX/XXXX I made a payment in the amount of {$330.00}. All but {$24.00} went toward interest. Yet the previous two payments in the amount of {$500.00} and {$600.00} went directly to principal. When I made my XXXX payment in the amount of XXXX I asked that it go to principal and they assured me at one. This payment was processed on XX/XX/XXXX however on XX/XX/XXXX they increased my principal balance by {$460.00} and then applied my {$500.00} payment. It took three different phone calls and three different representatives to tell me that I had accrued {$460.00} of interest. Yet when I looked at my account history I had never incurred that much interest in between payments. again no one could really explain this and I was told I would be contacted by a supervisor and that never happened. I even filed a complaint with the XXXX XXXX XXXX and they never responded to their attempts to resolve the situations. I called again on XX/XX/XXXX, To inquire about paying off my loan and that I would like to make a payment for the principal amount and I was told that they do not allow that that some had to go towards interest. Again thats not what happened to my first two payments as they werent entirely to principal. I was put on hold while she investigated and of course nobody came back to the line so I hung up and went on their website and decided to pay off the loan in full so that I no longer had to deal with this company. I borrowed {$1900.00} in XX/XX/2020 and paid a total of {$2900.00} by XX/XX/2020. In four months I paid an extra XXXX dollars. I was never made aware of the interest rate every time I logged into my account the interest rate state XXXX XXXX I inquired about the interest-rate via email and of course the representative never got back to me.
10/03/2018	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	MD 21218	Web
A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/2018 and advised that their client was XXXX XXXX and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/18. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.
05/13/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 946XX	Web
I took out a loan of {$3100.00} from Loan Me. Everything was fully explained to me and the loan was funded on XXXX XXXX. I later that day called Loan Me customer service. I just wanted to receive my account number. I was told that they wanted to give me a welcome call for being a new customer. I informed the customer service person I was in a hurry and just wanted my new Loan Me account number so I could electronically submit my own loan payments. I was told they needed to re verify all of my personal information first to validate it was indeed me calling. I was good with all questions asked until they asked me to say out loud my whole social security number. My other financial institutions never ask over the phone my entire social security number but instead ask for the last XXXX digits. I believe this practice of asking some one to repeat their entire social security number over the phone is in violation of my rights as a consumer and can lead to identy theft. I provided my entire number online with their application which I have no problem with. They could easily verify my identity using the last XXXX digits of my social security number or another validating security question. The person I spoke with after I was validated as the borrower proceeded to tell me they would not give me my account number until I listened to their welcome call monologue. I reapedately asked just for my account number to no avail. I asked to speak to a supervisor and was placed on hold and then disconnected. I called back to receive the same validating questions and again was asked to say my entire phone number. This time the person did provide my account number when I asked but also proceeded to insist I listen to their new customer welcome call. I reluctely listen to what was Loan me ' s welcome call for me being a new member. This welcome call is nothing to do with verifying the borrower but has everything to do with loan me ' s attempt to get my permission to be contacted at work. Please have them stop the practice of having to repeat my entire social security number over the phone. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX # XXXX, CA XXXXXXXXXXXX XXXX of SS # XXXXMore than enough validation provided. You may publish everything but my personal information.
06/20/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 96003	Web
Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka XXXX XXXX XXXX. I, my XXXX in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. Phone calls XX/XX/18 XXXX female states I will be at your place of employment and residence. XX/XX/18 ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. XX/XX/18 ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. Received letter XXXX, XXXX from XXXX XXXX XXXX. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.
09/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92243	Web
On XX/XX/XXXX I received an email from LoanMe that specified to make a good faith payment since they were unable to collect their payment on the usual date around the XXXX of the month. I had previously discussed with them in XX/XX/XXXX, by phone, that I was not working and that my partner was going to pay them on the first of each month. I had also received the same email the previous month and did pay them by the first of XX/XX/XXXX the regular payment amount that they were asking which is around {$300.00} since I would owe a late fee as well. When XX/XX/XXXX came around they sent me another email also with the same information and that I had to pay before the first of the next month. I emailed them back and told them that I would only be able to pay them by the first of the month and that they would receive the amount that they usually do plus the late fee. The company knew how to get a hold of me and knows where I am. On Wednesday, XX/XX/XXXX at around XXXX XXXX. I received a message from my Father that a man named XXXX was trying to get a hold of me and wanted my information. I then called LoanMe and informed them once again that I would make a payment on the first of the month, I also discussed with them that they did not need to call my parents since I have had contact with them, they did admit that they called my parents and that they would not do that again. I believe it is unlawful, illegal, or otherwise not appropriate to do so. As far as I know, there was no reason for LoanMe to call a third party to get the contact information from me when I have had contact with them previously. As well I am no longer working but still have been making duly noted payments, though the interest rate is high. My payments have been somewhat late, but not beyond the grace period and will continue to do so. I am not sure if there are any other things about my loan that are against the law, LoanMe would not send me any information about the original loan agreement even though I requested it from them a month ago. They will only send me what they want me to sign which is a new agreement. I will provide a copy.
03/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 945XX	Web
I applied for a {$3200.00} loan we could loan me last year due to my good credit FICO XXXX I was approved. the loan officer was harassing me everyday that I must take out XXXX XXXX that would be better for me. the distribution of XXXX was such that they paid off my One credit card for XXXX what's the interest rate was only 9 % in the balance was put into my checking account at XXXX XXXX. during the approval process I was asked to send a voided check with my ID to the loan officer but she never disclosed to me that without my authorization or knowledge she set me up for automatic withdraw from my XXXX XXXX checking account fraudulently. on the second month I called XXXX XXXX to put a stop payment on that withdrawn since it was not authorized by me. due to the monthly payment being changed loan me again was able to take out money from my XXXX XXXX account without my authorization. from the day I got that loan I get harassing phone calls on daily basis from their call center non-stop switching their phone number two different numbers and calling what are the payment is due or not. since last year I've been asking the representative to send me my loan disclosures that tells me what my interest rate is and what my balance is and they say yes we will send it to you but as of XX/XX/2019 I have not seen anything in the mail. I am providing you with a copy of the monthly statement that they sent in the mail it does not say the interest rate the balance or anything all it says is how much to pay which is predatory. I am not able to pay XXXX a month it is unknown number. I will file a lawsuit against loan me if for any reason they start calling my friends my relatives or anyone that I am associated with pretending to look for me. loanme is fully aware that I am unemployed at this moment but yet I have been paying their monthly payment since last year. it is affecting my health in my well-being and I worry every night about this loan. I wanted to report this earlier but my brother-in-law passed away and I was busy taking care of him so I had no time to deal with this problem.
07/13/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94080	Web
have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked ). He said he was from the legal department of a company called XXXX and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by LoanMe regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have LoanMe proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.
07/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 91941	Web	Servicemember
Back in XXXX 2016, I was having a difficult time after XXXX XXXX XXXX the military and trying to get stable financially. I used this service to help me take care of a couple of emergent things that also involved some medical costs. I agree, the acquisition of the funds were attractive and easy. However, I was hoping that I would be able to pay it off quickly in order to avoid the very high interest rates attached to the loan. Unfortunately, this was not the outcome. I faced setback after setback, which prevented me from being able to perform the payoff desired, and I had to continue on their payment plan. During this process, my wife and I were beginning to have dental issues that needed to be addressed, and to protect my honor and my obligation with XXXX XXXX, I placed our need on the shelf, in order to continue paying them. I am now at a point where our XXXX needs must move from secondary to primary, and they need to be addressed. Pain has become a daily part of our life with the XXXX issues and I need to have these funds to meet the treatment needs. I have insurance which is very helpful. However, the associated cost I will have to pay is considerable. I also have XXXX XXXX XXXX challenges with XXXX XXXX XXXX after several XXXX and all of this has often XXXX XXXX as well as XXXX XXXX. As I took a look at the payment schedule that is attached to this report, I noticed that I have paid off the amount that I originally borrowed, {$3100.00} to the amount of {$3800.00} - to date. I also took a look at the payoff amount to be released from the debt and it is {$3500.00}! And even worse, the complete payoff amount is {$16000.00}!! All from an initial amount of around {$3000.00}. This is way more than what I originally borrowed. In the past, I have had at least 2 conversations with the company in regards to paying off the loan early. I was always advised to wait until a certain date to avoid having more interest attached. But, at any rate as you can see in the documents enclosed, the interest rate is not in favor of the borrower in any way.
02/27/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 94526	Web	Older American
Issue with XXXX : Over the last twenty-one ( 21 ) months, Ive paid XXXX close to {$7000.00} in payments on a {$3100.00} loan. In trying to pay off the loan today ( XX/XX/XXXX ) I was informed that the payoff amount was {$3600.00}, which is approximately {$700.00} more than the original loan amount after paying them monthly payments of {$350.00}. Anyway, I sent them a payment of {$3100.00} today to pay off the principle amount that was barrowed. So Ive now paid XXXX close to {$10000.00} for a {$3100.00} loan. Which is over 220 % in interest rate fees on a {$3100.00} loan. Which in my opinion is out outrages and is a total miss representation of the product services that was described to me in my dealings with XXXX when I originally applied for the loan back in XX/XX/XXXX. What astonishes me about my dealings with XXXX is that Ive never over the twenty-one ( 21 ) months that Ive been making payments on this loan, that Ive ever received any documentation on this loan, terms of the loan, interest rate being charged and a payout schedule - nothing. Which is interesting, because they state very clearly on their website the following : Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions, which is not true in my case and Ive asked in previously conversations with their customer service representatives to send me this information. Now some people could construed my position on this as Buyers Remorse on my part, however I believe this borders on the definition of Fraud. The other thing that is interesting to me is that they have continued to call me today ( seven calls and counting ) since I spoke with them earlier this morning on what I was planning on doing related to this matter. In fact I even mentioned that I couldn't believe or image that they could get away with this type of business practices in this business environment. So I look forward to hearing back from you on your opinion on this matter. Thanks, XXXX XXXX
08/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA XXXXX	Web
I have a payday loan with XXXX XXXX XXXX on XXXX, XXXX, CA. I asked about their loan products. They usually recommend XXXX. I hesitated because I've had problems with their ethics practices. They're unscrupulous. The staff assured me they claimed they will work w/XXXX customers. Their clients don't have stellar credit with FICOs above XXXX. Their incomes are typically less. Mine is better but my FICO is low. At their suggestion & great reluctance I applied on XX/XX/XXXX. You have to do it directly w/XXXX by phone. I spoke to XXXX at XXXX XXXX @ ( XXXX ) XXXX. She said she was unable to get my app to go thru, had no idea why, would talk to her supervisor ( at my insistence for a reason as to why ) & call me back before she left at XXXX XXXX. She never did! No surprise. I told XXXX of my experience. They were shocked because that isn't what they were told. They are being asked to promo XXXX 's product to their clients. All XXXX is doing is clocking numbers, running inquiries on consumers credit w/XXXX which depletes your already not good FICO down by 10 points for 2 solid yrs. & you still get declined! They're a numbers based business playing a game w/consumers time & lives. XXXX was unable to comment because they were lied to by XXXX 's sales rep just to get the business. LoanMe is not capable of supplying loans to XXXX customers, their FICOs & incomes are too low. XXXX payments are incredibly high & are per pay period w/interest only for months before anything goes to principal. I called again on XX/XX/XXXX & s/w XXXX, supervisor. He said my app didn't go thru because the system has me blocked because I filed a XXXX complaint in XXXX for their practices which were worse than recent events. Each time I applied ( 3 times ) they never sent a Reg B letter. Claimed to but never did even though they had correct info. Instead of trying to change my mind about them, they black balled me & never told me that or why. I had to persist to find out about it!
02/24/2017	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92780	Web
In XX/XX/2015, i took out a XXXX personal loan from a company called Loanme. It was all done over the phone. Just 2 weeks ago, the loan company took the monthly payment of XXXX dollars from my account. I, sure that i had already paid off what they let me borrow, called the loan company. During that phone call i was informed that the interest rate for my loan was a whopping 135 %. I asked them to then send me documents with all the information regarding the loan such as terms and conditions. I have those now. I told them that my financial situation has changed since my hours at work had been cut due to me attending college. They asked me all kinds of questions regarding my weekly spendings and told me that they would be able to lower the monthly payments from {$290.00} to {$250.00}. The gentleman that was helping me informed me that they had sent me an email containing all the details regarding the changes to my loan account. He said i absolutely must sign that form electronically as soon as possible and to call him as soon as i did. He really made it seem incredibly urgent. I found it weird that i had not yet even signed anything with this phone company, and now they suddenly wanted me to electronically sign this online document. This document says that not only my monthly payments had been lowered, but that the interest rate had also been lowered from 135 % to 115 %. This was something that i was not told would happen during the phone call. All they told me was that if i did not sign and return the electronic document to the company via email, then the changes made to my loan would not happen. I find this all very suspicious. As far as i know, the maximum interest rate in the state of California is 10 %. I am more than willing to pay a legal interest rate. But this to me sounds a lot like theft. I would really appreciate the help and the careful analysis of people who possess a much greater knowledge on these issues. Thank You.
07/22/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 530XX	Web
I 've had a loan from LoanMe since XXXX 2015 ( formerly XXXX that was wither shut down or on the verge of being so ). {$5000.00} at over 100 %. That 's not my complaint as I knew the rate was high. My issue is my personal bank account linked for monthly payments was hacked into. Due to this, My XXXX XXXX payment is a bit late here ( XXXX days as of today ) as my checking account was closed by the banks fraud department The calls from LoanMe started XXXX XXXX and are relentless. Over and over on my cell and at work. As of today I am up to XXXX calls from them in XXXX days! Yes, I can prove it with my cell ID and Phone at work call history. Last Thursday I spoke with a Supervisor and told him my situation and intentions for payment and that it should be within a week or so as I am waiting to be reimbursed by my Bank for the " Hack '' of close to XXXX from my checking account. Additionally, I am closing on a credit union loan to pay it off in full. He proceeded to start telling me when he needed money he would go to friends or family and asked why I would n't do the same. The degrading went on and on so I finally hung up. Since then, XXXX days have passed and another XXXX calls from them. I finally picked up today and explained my situation again. The female rep stated I should have my money back from the bank by now and suggested we do a XXXX way call to XXXX bank and she would speak with them. I hung up on her also. I have never had a loan from anywhere that pulls these tactics and is so aggressive let alone tells me what I need to do to seek money from others to make a payment. And .... the payment is only XXXX days late as of today. It is n't even XXXX days late AND I have been talking with them. Nothing short of Loan Sharks and as worse if not worse than payday lenders with their aggressive tactics. And, by reading may many online reviews, I am not the only one experiencing thisShame on this Company!
02/04/2017	Yes	Debt collection Payday loan	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90044	Web
A legal representative from " loanme '' XXXX XXXX called an associate of mine XXXX XXXX on Thursday XX/XX/2017. The representative called in regards to case number XXXX. XXXX XXXX left a return number XXXX to be further contacted. After learning of this call I attempted to make contact with XXXX XXXX on Friday XX/XX/XXXX. After placing the call I was in direct contact with " XXXX '' a legal representative directly. I was informed that there is a small claims case against me in the amount of {$6000.00} and that the case was formed against me after negligence of payment on my account. I was told that unless I pay restitution or that I would be counter sued for the amount owed. The representative claimed their law offices have contacted my former employee, associates, and conducted a background check into my finances without my knowledge. The actions were justified as a means to establish " credit worthiness '' with the law office. I was then told that I received documentation and notice of the pending law suit against me. I informed the representative that they had no legal right to conduct a background check or any further actions against me without my knowledge, to that they replied they were legally covered and justified due to my contractual agreement. I have not received any documentation or notification of a legal case against me. Also Over the course of my line of credit with loan me they have called me numerous times daily attempting to collect payments. I would receive anywhere from 10-15 calls daily from random phone numbers nation wide until I would answer the call. I have requested numerous times to not be contacted excessivley and that their practices are a violation of my rights and privacy, but to no avail. The account from loan me has not been placed on my credit or placed for collections I discovered yesterday XX/XX/XXXX after checking my credit report.
12/24/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 93535	Web
This collection agency XXXX XXXX XXXX has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from LOAN ME. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by LOANME, XXXX XXXX XXXX nor XXXX XXXX XXXX as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the XXXX XXXX XXXX that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( LOANME ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with LOANME.
11/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94577	Web
On XX/XX/2018 I applied online for a loan from XXXX. I spoke with a XXXX XXXX. He went over the loan installment agreement with me over the phone. The loan was for a disbursement of {$7600.00}. After speaking with him he said the interest rate would be 35 %. First payment would be {$480.00}. Second would be {$560.00}. After making my first payment. A letter was mailed to me almost two weeks later with a date of XX/XX/2018 on the Disclosure Agreement. This was sent after the fact. After receiving and opening the letter it included a Disclosure and Promissory Statement. On this statement it indicated I would be paying a 101.85 % interest rate! I about " fainted '' and was not told, and but lied to on the phone from XXXX XXXX about the interest rate. Mr XXXX had scammed me into a high interest rate loan. After pulling up further information on the XXXX website under my account. I then discovered that {$0.00} dollars was applied to the {$7600.00} principal of the loan! I would be paying back " {$47000.00} '' over a 7 year period on a {$7600.00} loan is illegal! They also took {$950.00} out of the principal {$7600.00} loan and only disbursing {$6600.00} and wanting me to still pay back {$7600.00}?? On the disclosure agreement I did not sign or agree to any paperwork claiming this 101.85 % interest rate. I then immediately went to my financial institution XXXX XXXX XXXX and closed my checking account. On XX/XX/2018 I contacted XXXX and spoke with a Manager. He was also lying to me about the interest rate and claiming they are exempt from the Usery Law and can charge any interest rate they chose. I inform them I closed my checking account. I told them I would pay only back the {$7600.00} on a legal interest rate. They refused. They have scammed me out of money as well as reported this illegally to the credit bureaus. This is a fraud situation by XXXX.
10/31/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA 91754	Web
On XX/XX/XXXX, I went on line to get a loan for debt consolidation. LoanMe was able to offer me a loan. I was given a few loan options with the highest amount being {$7600.00}. The options and terms are attached below. I wanted to get the option with 48 months but the loan officer only offered me the 84 months option and told me that's just how the loan was set up. I have the email conversation saved. Of course the 48 months option was the best deal for me and the 84 months option the lender would make more money, which also means more commission for the loan specialist. I just felt that the loan specialist did not have my best interest. He should be able to set up the loan if it was one of the options given to me. I contacted customer service department on XX/XX/XXXX and spoke to Ms XXXX to try to work out a better option. I asked her if she could investigate to see if there was anything she could do to give me the better loan option with 48 months term. She said that was just the loan I signed for. But i still feel like it was predatory lending. I really needed the loan because my husband was in the hospital and he lost his job. I only made $ XXXX/hr at the time as a preschool teacher. My monthly payment is {$560.00}. After paying all my other bills, it is very difficult to pay any additional amount as I have tried to for the past year. It made more sense to give me the 48 months term based on the income I had. I would be able to pay it of in 4 years worse case scenario than to pay it of in 84 months. I borrowed {$6600.00} + {$950.00} origination fee = total loan amount {$7600.00} For 84 payments of {$560.00}, total payment would be {$47000.00} For 48 payments of {$580.00}, total payment would be {$27000.00} As you can see, the 84 payment plan is almost interest only and i still owe about {$7500.00} after making payments for about a year.
03/18/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94565	Web
There is an item on my credit report that I am unclear on. It is showing that the creditor is LoanMe and is reporting as a charge-off with a balance of {$0.00}. I disputed this account with the 3 major credit bureaus, XXXX, XXXX, and XXXX. I requested on various occasions that they investigate the item and provide me with details of their investigation. To date, I have never received a response from these bureaus, so I am still not clear as to what this item is. I decided to send dispute letters directly to LoanMe. My first letter to them was dated XX/XX/XXXX and I asked to see the following items : * The complete original alleged promissory note that shows my signature * The account transaction history * Any required default or acceleration notices * The notice of sale document * The Calculation of Surplus or Deficiency letter * Any additional finance contracts including those related to insurance or finance products * The buyers guide * The purchase order * Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note I did not received any of these items. I received a response on XX/XX/XXXX and XX/XX/XXXX saying they did not conduct an investigation as they said they can not assist with the resolution. They stated XXXX XXXX XXXX is claiming to now own the debt and LoanMe can not assist with any resolution. Therefore the account can not be verified as accurate reporting since it is still reporting as Loan Me Inc. This is my second time attempting to dispute this account as the CFPB has sent me a letter trying to also stall the removal of this account reporting on my report. I will submit my email address along with this complaint as requested by the CFPB. Please ensure this account is expeditiously removed from my report as it continues to damage my credit score.
11/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL XXXXX	Web	Servicemember
I attempted to get in touch with XXXX a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. They said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. According to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
03/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85037	Web
On XX/XX/2019, I inquired about a temporary personal loan of {$2000.00} through a company called XXXX XXXX. When speaking with them, it was determined that they were unable to offer me the loan without vehicle collateral, but they offered to transfer me to a partner of theirs, LoanMe, who offers non-collateral loans. I agreed, and was transferred to LoanMe. When speaking with the loan agent at LoanMe, he asked me a series of questions pertaining to my income, residency, and occupation, then had to transfer me to a disclosure recording ( this is not atypical for banks, so it raised no concern ). Prior to transferring me to the disclosure, the agent never confirmed or discussed the amount I was attempting to borrow. He then came back on the line after I was done with the disclosure, and informed me that he'd already ran my credit and it was denied. When I inquired about the amount he ran the loan for, XXXX informed me that he went with the minimum amount they offer in Arizona 0 {$10000.00} at a 98 % interest rate! I was under the impression that when I was transferred to LoanMe, they already had the amount of {$2000.00} that I was seeking. Had I been properly informed of this information, I would have NEVER authorized them to run my credit. When I informed him of this, he said simply that he understands, but the loan was declined. I asked to speak with a supervisor to see about how to get this credit inquiry off my record and XXXX simply told me that there are no supervisors. I was disconnected twice, and had to call him back directly at ( XXXX ) XXXX, where I was disconnected again. After calling back a second time, XXXX transferred me to customer service, who said I needed to speak with a loan agent.
11/10/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 94124	Web
Below is a transcript of the voicemail that was left for me on my cell phone. " My name is XXXX XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from XXXX XXXX XXXX XXXX, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX Extension XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up ) '' The collector also called me at my office. He then disclosed he was calling about " Loan Me. '' He stated the balance that he said that I owe telling me it was charged off XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.
05/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TN 37643	Web
I was unable to make payments due to financial hardship. Relocation that nearly made my family homeless. I asked if I could get a forbearance, and was denied. I was told that I HAD to pay a certain amount by the end of the month or I would owe more. Unable to pay my loans because of re-location complications and job loss, this company has now gone as far as harassing my parents even though they have asked for the calls to stop. Going further, the last debt collector who called my parents has used the names of people I used to associate with, including one I have a XXXX XXXX against for XXXX my child. Now, I am being threatened with a law suit and that they will call my daughters father who we have a XXXX XXXX against!!! They also threatened to call family and other exes of mine that I can only assume they received information via the internet. Mind you, I had previously received a letter XX/XX/2017, stating that my debt was going into collections and now, this company calls people asking what vehicle I drive, where I work, and who I know, AFTER they were going to send my debt into collections. While I have not paid the whole amount, I have paid back more than I borrowed and none if it went to principle. It has all gone to interest. Seriously, striking fear into me by using my daughter 's fathers name. This man XXXX XXXX, XXXX my youngest daughter and XXXX my oldest daughter and they want to use his name while trying to get me to pay for my debt that I CAN NOT pay!!!!!! He wasn't even on the LOAN!!! I am beyond furious!!!!!!!!!! I have gone through enough XXXX while trying to keep my family afloat through all of the XXXX we have gone through and I regret EVER using this company!
11/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29681	Web
I need extra money and my credit scores wasn't that great. I went online and found this loan company XXXX. It was the biggest mistake that I have ever made. I took out the loan in XX/XX/XXXX. It was for {$3100.00}. My payments started out at {$360.00} a month. Then I could no longer afford that amount so I started paying {$270.00}, As of today, XX/XX/XXXX, after two years, the principal on this loan is {$2500.00}. I called to get a pay off amount today for Monday and I was told that the pay off would be {$2800.00}. I asked them how could this be. I did not understand anything the guy said. I told him that this has to be unethical and illegal and hung up. I do not understand how could have a loan that I got in XX/XX/XXXX for {$3100.00} would have a payoff of {$2800.00} in XX/XX/XXXX when I have been making payments of originally {$360.00} and now {$270.00}. I know that I should never use companies like this but this has to be illegal. The way they are doing this loan, it would take forever to pay off. Also, after 2 years only XXXX has gone to the principal. Also, how could the principal balance be {$2500.00} and the pay off would be {$2800.00}? This makes no sense and I could not understand all the fees and interest charges that the person was alluding to. I also did not know that the loan does not have a term. I thought it two years it would be paid off. I did not understand these terms an never would have signed up to something like this. I was just in a car accident and needed money to pay bills. My credit score is fair now that i can actually get a loan at a bank. I wanted to try to get money to pay this off but do not want to pay what this is showing. It is not right.
06/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92345	Web
I originally made a modification in XXXX of XXXX to reduce the interest. Interest was reduced to 65 %. Then in XXXX of XXXX I called to settle because the loan is never ending and financially killing me. I paid {$3000.00} to settle and was told the remaining balance which in XX/XX/XXXX was around {$6500.00}. The remaining balance around {$3500.00} was supposed to be 0 % interest to pay off. I have statements showing 0 % and now I'm showing 66 % and a balance of {$4700.00}. They said there was an error in transfer of paperwork that they should of been charging 66 %. This was not what was agreed. I have not missed the payments. I try to pay the debt off but it is never ending. I told them I have a statement showing the 0 % and they tell me that they do not offer 0 %, but the statement clearly shows 0 %. I have attached a picture of the 0 % interest that I told them it was at and now at 66 %. They don't listen to anything I say. I've been trying for 3 days now to settle this. I would of never sent them the {$3000.00} upfront, that I struggled to get because at the time work was slow because of COVID. But I needed to do something to get out of the interest. That is why I settled the loan for 0 %. Other wise why would I go from a modification of the interest at 65 % to a 66 % interest rate? I wouldn't. Please help as I can't do this anymore with the interest and I don't want to file BK on this. So with the {$3000.00} lump sum paid and if I pay there current pay off amount of {$4700.00} that puts me well over the {$6200.00} loan that was initially what they gave me. Not including all the years of payments I had already paid at $ 400+ a month before XX/XX/XXXX. It is a killer.
08/05/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95127	Web
I took out a loan from a company called " Loan me '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " XXXX XXXX XXXX '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted Loan me to see where my debt had gone and they told me that it got sold to " XXXX XXXX XXXX '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company XXXX XXXX XXXX, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.
09/25/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	AZ 85282	Web	Servicemember
At the end of XXXX, I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, to help me lower the overall payments/rate of the payday loans I am currently paying on. As of XX/XX/2021, XXXX XXXX took charge of four payday loans. One of those loans was through Loan MeXXXX XXXX. XXXX XXXX however, still wrongfully debited my Checking Account in the amount of {$190.00} on XX/XX/XXXX. I let that one payment slide since I just joined the payday loan settlement group just a day prior. On XX/XX/XXXX, Loan MeXXXX XXXX yet again wrongfully debited my checking account in the amount of {$190.00}. I contacted my bank, XXXX XXXX, and they mentioned contacting the loan company first to inquire about the mistaken charge. When I spoke to the Loan Me/XXXX XXXX agent, I was told there was nothing on my account regarding stoping ACH withdrawals or that they were contacted by XXXX XXXX XXXX XXXX I knew the lady/agent was either certainly lying and/or whomever XXXX XXXX XXXX spoke with was a shady agent and did not do as they were told. I then reached out to XXXX XXXX to confirm they did in fact contact Loan MeXXXX XXXX and sure enough, they did. I have not had any issues with the other three payday loan companies XXXX XXXX XXXX is dealing with on my behalf, so I truly believe they were telling me the truth. Afterwords, I contacted my bank and asked them to put Stop Payments on Loan MeXXXX XXXX. I looked at my checking account on XX/XX/XXXX, and much to my dismay, Loan MeXXXX XXXX once again debited my checking account for {$190.00}. On XX/XX/XXXX, I recently e-mailed XXXX XXXX inquiring what happened to my previous Stop Payment request and truly hoping this can be resolved.
07/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
Again I am sending this complaint. Because the company did not address one thing in their response. They did not respond to the 4 months of emails I sent their company which were attached THAT THEY NEVER RESPONDED TO. I DISPUTE EVERYTHING ABOUT THIS. THE TOTAL. ALSO I RECEIVED THE INFORMATION I OWE THEM XXXX. THE INTEREST RATE THEY TRIED TO SEND WAS WRONG. IT IS ILLEGAL CA LOAN. THEY MODIFIED THE LOAN AT SOME POINT BUT PRETEND THEY DID NOT. SENDING THIS TO THE CA ATTORNEY GENERAL AS WELL AS THE FINANCIAL BUSINESS OVERSIGHT DEPT OF CA NOW AS WELL WITH ALL OF THESE COPIES. SINCE I CONTINUED TO DISPUTE AMOUNTS ON THIS LOAN AND LOAN ME REFUSED TO RESPOND TO ANYTHING IN WRITING THEY ARE IN VIOLATION OF FDCPA. THEY LIE CHEAT AND STEAL AND I BELIEVE A LAWSUIT IS THE ONLY WAY TO HANDLE THIS. THEY DID NOT RESPOND TO ONE DISPUTE AND THEY ONLY WANT YOU TO CALL IN SO THEY CAN LIE. I RECORDED CONVERSATIONS WITH THEM. I REQUESTED THIS BE REMOVED FROM CREDIT REPORT IMMEDIATELY SINCE THEY REPORTED EVERYTHING INCORRECTLY. YOU CAN NOT REPORT DELINQUENT WHEN YOU NEVER SEND STATEMENTS FOR 2 YEARS THEN START SENDING OUT FRAUD LIKE EMAILS AND WHEN I QUESTION ITEMS YOU JUST IGNORE EVERY SINGLE EMAIL LOAN ME. YOU SEND OUT FALSE STATEMENTS AND I ATTACHED THOSE AS WELL. I WILL NEVER DROP THIS UNTIL IT IS REMOVED FROM CREDIT REPORT AND WILL MOVE FORWARD WITH LEGAL REPRESENTATION IF NEEDED. I DO NOT WANT THIS HAPPENING TO OTHER PEOPLE AND I WILL TAKE RESTITUTION FOR DAMAGES DONE. I HAVE NOTHING ON MY CREDIT REPORT REPORTED NEGATIVE BUT YOU BECAUSE I PAY MY BILLS. I DO NOT PAY ILLEGAL LOAN COMPANIES AND WILL CERTAINLY NOT PAY WHO YOU TRY AND PASS THE BUCK ON.
04/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 451XX	Web
I contacted Loanme to payoff my loan on XX/XX/XXXX as they were charging me 210 % interest on my loan. She took the payment over the phone. Went to see if my loan was paid off the following day and they charged another {$25.00} on my account. They do not allow you to make same day payments, which they are charging interest daily and the loan will not allow you to pay it off at this rate. Also the loan was made on XX/XX/XXXX, they have taken {$170.00} out of my account biweekly. This is how my loan has been being applied : They have only been applying {$.00} to {$1.00} to principal with biweekly payments for 8 months. Date Description Principal Interest Other Total Payment Balance XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open New Loan XXXX XXXX XXXX XXXX XXXX
08/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92335	Web	Older American
Under financial hardship and XXXX with both left and right XXXX as well as receiving social security benefits, I needed to find means to pay off household bills, rent, car insurance, life insurance, outstanding medical bills, etc. and when I saw the television commercial from LoanMe.com for an installment loan, I applied over the telephone. And was given a {$2500.00}, it was not stated up front the amount of interest to be paid on the loan at 138.63 % ( Overall finance charge of {$11000.00} ). The shock for me when I received the LoanMe, Inc. Promissory Note and Disclosure Statement was the full amount without added Late fee to pay off note was ( {$13000.00} ). The offer for taking the loan was an encouragement for accepting it because without immediate family support, even extended support from siblings to be self independent financially this was I thought a sound option. But when at my age I 'm unable to find suitable employment outside of my failing health it has been merely trying to survive to pay my rent, buy food, and other life means to not become homeless. I do n't understand why a financial lending institution would charge such high interest and payments to a retiree receiving social security benefits. Afterwards when income becomes even more deflated calls almost daily from various telephone across the country as my caller ID shows even to the trickery of making " Unknown '' or " Private '' numbers. I find that the settlement repayment down over the phone is without an end date and even more so the payment is painfully high. I need some relief, but I do not know who or where to turn.
07/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 90220	Web
LoanMe, loan in the amount of {$2400.00}. I have paid LoanMe and I am free of debt with them as of XXXX. They, however, claim I have not. I have my paperwork that states I have, which has been enclosed for your review. Aside from this ridiculous attempt to continue to collect a paid debt, they claim I owe them interest. I have been contacted by XXXX XXXX XXXX trying to collect on a paid debt. Because of a family tragedy I was in a bad place financially and had to obtain a loan from this unethical company. My biggest regret. I have worked in Collections for over 20 years, their procedure or methods of collection can be considered unprofessional to say the least. They claim I have an unpaid balance because they claim I didn't finish paying my debt in XXXX. Their collection/accounting department didn't realize this information until the end of XXXX I will not be penalized for their bad record keeping. My employer received a judgement in XXXX, she forwarded it to the payroll company and {$2400.00} was garnished, plus an additional {$440.00} just last year when they tried to garnish me again at my new employment. Based on the payment history I received from LoanMe on XX/XX/XXXX, I have an outstanding balance of {$570.00} In XXXX they received {$440.00}, so technically my balance should be {$130.00} The credit report I received shows I have a balance of {$170.00} or {$410.00} not sure why. LoanMe are crooks with bad record keeping, how they came up with me owing {$2100.00} again is beyond me. I need this resolved, their constant harassment has caused me anxiety.
06/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90802	Web
I received a high interest rate loan from XXXX After receiving the funds, I came across the origination fee on the documents sent to me that were in the same amount as the loan. Loan amount approx. {$4600.00}. and origination fee approximately {$5000.00} I contacted the company immediately regarding the fee and the responded that the removed half the the fee. I replied via email Thank you. After that email, I was waiting for correspondence from them for payment. I wasn't sure if it changed the amount of the monthly installment or not. Previously when I had a loan with this company, they'd either call or text me as a reminder for the payment. I received nothing from them via mail, email, phone or text since the reduction for origination fee via email. All of a sudden, I go to get a new car and my credit is hit with a charge off from the company in the amount of the loan causing my score to plummet and making it nearly impossible for me to get financed. I ended up with getting a horrible rate due to this scenario.. I contact the company and they agreed that there was no proper notice provided to me prior to the credit reporting. No calls from collection or correspondence via mail. I asked why not and they said because it was in a certain department regarding the previous issue. Now, they tell me they didn't need to notify me to remind me of payment or to inform me of past due balances and monies due prior to charging off the debt greatly effecting my credit. This just doesn't seem accurate to me. Is this true of a high interest rate loan company?
10/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 90706	Web
On Friday XX/XX/2019 I received a call from Loan Me trying to get in contact with me through my employer. The representative lied to my Human Resources manager and said they need to verify my employment in order to get transferred over to my line. Once I accepted the call the representative asked me to verify my full name address date of birth and last four digits of my social security number over the phone while I was at work and I am not allowed to take personal calls over the phone. She then started to harass me to pay my personal loan because they lowered the payment and when can I make the payment. I explained to her I am at work and can not speak to her about any loan matters but insisted on trying to collect payment. This company calls me over 20 times a day to speak to me regarding a loan I can not pay for due to financial emergencies Ive had to take care of and ultimately cant afford to pay this loan anymore. I called to speak to a manager to see if theres any other option to pay what I can afford but every time I call they hang up or the wait is over 30 minutes and I am at work. I think this business is unfair and they do not have a right to harass me and my place of employment over something I cant afford to pay for. I am seeking to either file bankruptcy in the near future because Im sick of being harassed by this company. Ive reached out to this company and they have a poor lack of communication. Now I received an email trying to harass me to garnish my wages when I clearly stated I can not afford this loan.
01/22/2021	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 20165	Web
My company, XXXX XXXX XXXXs, XXXX received a business loan from LoanMe, LLC on XX/XX/XXXX in the amount of {$14000.00} of which {$12000.00} was loan amount and {$1400.00} was origination fee. LoanMe, LLC charged the XXXX XXXX XXXX, XXXX 94 % interest rate for this business loan. I made the following scheduled payments totaling {$20000.00} until my company fell into hardship with no revenue coming in. XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX my loan was sold to XXXX XXXX, XXXX who then hired XXXX XXXX XXXX and law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX to collect on this debt. I attempted to negotiate a settlement of {$3000.00} for this debt but they never responded to this offer. I also made the following payments totaling {$1800.00} to the law firm in attempt to settle this debt : XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$200.00} I will be at XXXX District court on XX/XX/XXXX contesting a judgement against my company, XXXX XXXX XXXX, XXXX and my personal credit. So any advise you can provide would be greatly appreciated.
02/18/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 95834	Web
On XX/XX/2020 I called Loanme to make a payment because my bank had returned a payment for NSF due to the teller put my money in my savings account instead of my checking account. I spoke to a lady at the company and told her what had happened. She said she would check to see if the payment had been put though for the second time and if so, I would have to make another payment. She put me on hold for few minutes and when she returned she stated that it had been though two times. After, she told me I need to make a payment over the phone which I did. On XX/XX/XXXX, they took out another payment. I called them about the second payment requesting they return my money since I had other bills to pay. After talking to several people, I was told that I needed to send a print out from my bank showing that the payment was taken out. I did so and called the company the next day to see if they got it. I also inquired as to when they would the put the money back in my account. I was put on hold, then a lady came on the phone and said that they had received the print out and that my money would be put back in my account within the next 24 to 48 hours. After 48 hours had passed I called them again because my money had not been put back into my account. This time I was told that they couldn't use the the print out they needed a Bank statement. My bank statement will not come out until XXXX therefore, they are keeping my money. This has put a hardship on me as I can not afford to pay them twice in one month.
11/26/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95128	Web
A person named XXXX left a message on my mobile phone number which is on the Do Not Call Registry and also at my work voicemail. The voicemail said there was a file in their office for court proceedings and to contact XXXX. Before I had a chance to contact them, they called my work number again asking for my name and the payroll department which the call was transferred to me. I took the call and they only identified their name but not the company and started threatening me in regards to a debt with XXXX. I was surprised and asked the name of the company, but the individual would not let me speak and said there was a judgement and case file on their desk and they would garnish my wages. When I informed them of the FDCPA rules about not contacting me at work, to please cease calling my work number and mobile number and to send a written notice of validity of the debt, the person continued yelling stating I was being unreasonable and to expect a written court notice to garnish my wages and then they hung up on me. I called XXXX and found out the previous debt was sold to XXXX XXXX XXXX or XXXX XXXX and given the contact number of XXXX XXXX XXXX XXXX to call. I did call that number twice and kept getting voicemail. I finally left a message stating again to not contact me at my work number or mobile phone and to send written validity of proof for any debt owed. This company has called at least XXXX times in one day within a span of XXXX hour time frame and used threatening means.
02/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
On XX/XX/2018 Loanme filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. They contacted my employer numerous times harassing human resource department, threatening to visit my employer. They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. Fair debt collection practices laws were violated and I am seeking a correction. I went to court and paid this bill in full. This bill was not charged off but paid in full. I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. This is a direct and planned strategy of LoanME and should not be tolerated.
04/20/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 53005	Web
The company offering the Loan is LoanME inc. I entered into an agreement with them XX/XX/XXXX, after making a payment in XX/XX/XXXX I was unable to pay for the payment in XX/XX/XXXX due to losing client business. I restructured the loan in XX/XX/XXXX to lower payments and entered new terms. The company continues to report on the old terms to XXXX but had marked payment in XXXX XXXX and In XXXX XXXX as current. I unfortunately missed another payment XX/XX/XXXX, and had to renegotiate the terms again ( this company offers interest rate over 100 % for life of your loan and much higher if you take loan to term ). When I missed the XX/XX/XXXX payment, the company advised me that they were now going to reverse the " current payments '' XX/XX/XXXX and XXXX XXXX as missed. They suggested they are allowed to do this bases on there legal contract. The company now has marked my credit 30 days late in XX/XX/XXXX, 30 days late in XX/XX/XXXX even though I made the agreed upon payment, 60 days late in XX/XX/XXXX even though I made they agreed upon payment, and 90 days late in XX/XX/XXXX. ( payment was only 30 days late ) The company practices extremely deceitful and unfair credit reporting on XXXX and takes away your on time payments even though I paid them on time on there new agreed upon terms. This company should not be allowed to report to a credit bureau and is not looking out for the best interest of the consumer and practices unfair and deceitful credit reporting.
04/10/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	KS 67213	Web
At XXXX XXXX on XX/XX/2020 a private number called me stating they were from a processing agency and we're trying to serve me Court documentation and that I needed to call an ( XXXX ) number in order to schedule an appointment to be served by an officer. No identification was given as to who they were, what it was about, just that I would be given the details when I called that number. I called the number XXXX at XXXX on XX/XX/XXXX, XXXXand I was told that they represented the company called Loan Me. I had taken out a loan with Loan Me, nearly 4 years ago ( it will be four years in XXXX XXXX. The man on the phone did not give his name, did not give the name of the company he was from, merely stating they represented the company loan me. He said this matter concerns the loan that I taken out with Loan Me and I could resolve the issue over the phone today. There was no mention of making appointments for court documentation to be served to my residence. When I informed him that I had no financial means to resolve anything over the phone, he stated that Loan Me was suing me for theft. He asked me if I wanted to go to jail for theft. I responded there's nothing I can do, I guess they'll just have to do what they're going to do, because I have no money. He then reiterated that I resolve the issue over the phone, today, because I will be put in jail for theft. When I stated again, with an irritated voice, that I have no way of resolving this issue he hung up on me.
02/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91405	Web
I contacted the loan company by phone at XXXX and spoke to XXXX. I asked her what the current principal balance was of my loan ( which has an outstanding total balance of {$2600.00} ). She informed me that the principal was actually {$2600.00} which makes no sense. She would not elaborate and kept telling me that the system wouldn't give her that information. I told her that I wanted to make a payment towards the principal that was left on the loan so I could shorten the amount of payments left. She told me that I couldn't pay down the principal of the loan in any way, that any amount I sent would be automatically applied to the outstanding interest first and whatever was left over would be applied towards the principal. She said that no one would help to do what I am trying to do because that is their policy. I am trying to make a substantial payment to pay off this loan early and this loan company is defying me at every step. They will not even tell me what the total payoff is that would make this go away or shorten the loan term. Is there any way to make them accept my payment? I want to send them {$1000.00} but I want it to go to paying off the principal ( whatever that is ) and then I can continue to make regular payments until the interest ( which should stop accruing after the principal payment ) through today 's date of accrual. Can someone please help me since the interest on this loan in 135 % which is killing me.
08/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 94533	Web
I received a XXXX loan to pay off debt. I was making the regular on-time payments and unforeseeably my work hours were cut. I immediately contacted Loan me regarding the matter and they refused to offer any options of repaying the loan. I sent them a cease and desist letter and canceled the ACH transactions that were set up. After speaking to numerous representatives, I finally spoke with a supervisor who was able to assist me. I was originally paying {$840.00} a month at 95 % interest to {$500.00} a month at 0 % interest for 20 months until the loan was paid off. I requested something in writing of the new loan term but Loan Me refused to send me anything. Before I could make the payment, I went online to my account to submit the payment and they changed the loan back to the original terms without notifying me in writing. I called and spoke to a supervisor to inquire about the changes and he was rude and yelled I needed to make a payment immediately. I asked him where in writing did they make any changes and he refused to tell me and then hung up on me. I am currently working to repair my credit and am only trying to make my payments on this loan but they never told me they were changing the agreement back to its original terms. They also told me I was responsible in paying {$11000.00} back which was never the amount I owed on the balance. My original balance was {$9000.00}. The first payment I made was for {$1000.00}.
04/26/2017	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	CA 92126	Web	Servicemember
i had a pay day loan with a company called loan me. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( XXXX XXXX XXXX ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment
09/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 952XX	Web	Servicemember
I was called yesterday ( XX/XX/XXXX ) regarding my past due amount that I owe. During this call I inquried about how much of the principal I had left, because this is the 3rd year I have had this loan. The amount I was told shocked me so I asked, how much of the {$450.00} I pay each month is applied to the principal. I was told 9 dollars. So I further inquired, how often is interest applied, their response daily. After crunching the numbers I found that it would take me 59 years to pay this loan off, so I asked if I can have my interest decreased. They told me their supervisor would be reaching out to me. During that night I continued to dig into my account with finding they have not been applying ANY of my payments to the principal. Today ( XX/XX/XXXX ) their supervisor called, his name was XXXX ( couldn't catch his last name ). I asked about lowering my interest, he said no. I then inquired about AB-539 because I am paying WAY over the limits set in place. He said that does apply to me because AB-539 came into affect in XXXX. But according to AB-539 is amends existing law meaning I am covered. After he told me I was not covered, I told him I need to seek counsel because he is incorrect, at that point he began attempting to talk to over me, so I raised my voice back on him refusing to be silenced. I asked for my contract, he said he sent it to me, I am assuming via email. I have not received it.
10/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
I obtained the loan on XX/XX/21 with an apr 35.97 % in the amount of {$10000.00}. It has been close to 2 years and the balance ad of today is {$8800.00}. I reviewed documents to find that the loan is on an amortization schedule with a total interest of {$12000.00}. Maybe Im not the best at math but that seems like way more than 35 % and insane. I asked if I could have the loan reworked for a better interest rate and they declined. I am having a very difficult time paying this down with each payment of {$390.00} thus far going mostly to interest. I feel like the fees and rates on this loan are very excessive and predatory in nature. Yes I needed the money and I signed on the dotted line but at this point Im wondering if I will ever be able to pay this off. Ive asked them for help. If I dont pay they report it which hurts my credit and when I do pay it barely makes a dent. Im not sure how you can help but I do want to let you know how this business is operating on others misfortunes and need and making it very difficult to resolve accounts. I have come to understand this company is associated with XXXX XXXX and both have ceased any loan originations. Loan Me continues to work on outstanding loans which XXXX XXXX is defunct due to legal and regulatory actions. Same company!!! Though Im not sure why Loan Me was allowed to continue business under the same owner. Quite frankly this is loan sharking.
09/05/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95682	Web
Initially on XX/XX/20 I received a threatening phone call from a XXXX XXXX stating she was going to file legal action with XXXX XXXX county unless I called them back at XXXX, and that my case number was XXXX She also called my XXXX year old grandmother and parents, threatening legal action and to come to her place of residence. Which when I called they said that it was regarding a personal loan that I hadnt paid with loan me totaling {$7300.00}. They stated they are a proceedings office called XXXX they would not give me an address. They said I must pay in full or they would proceed with legal action and I would be responsible for all legal fees for a total of {$15000.00}. They forced me to set up payments which I couldnt possibly afford bi-weekly otherwise they said I would have to pay the {$15000.00}. After I did research and spoke to a legal representative they told me not to pay them anything until they gave me a written validation notice. I called them back on XX/XX/20 to ask for this document and they refused. Then on XX/XX/20 they once again called and said since I didnt pay they were going to proceed with legal action. That same day XXXX XXXX called my XXXX year old grandmother and screamed at her, threatening to come to her residence. She also left messages on my Parents phones with the same general message of proceeding with legal action and coming to their place of residence.
11/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93536	Web
The following company known as " Loan Me '' has be utilizing deceptive loan practices in effort to register and sign up clients. My husband and I each applied for a loan with this organization as we were advised that by taking out the loan it would be reported to all XXXX major credit bureaus. After several months of making our payments on time when we pulled out credit reports we learned that Loan Me was no where to be found. When my husband and I called to discuss the issue, we were advised by a separate representative that Loan Me only reports to XXXX. We XXXX complained advising that was not what we were told when we signed up and that we each had the intent on fighting them for deceptive practices. In return the representative on the phone advised it did not matter if we reported them as they did not have to adhere to Federal Banking Laws and that my husband and I had no choice but to continue to pay the loan. This is negligence as even in the contract listed is states the agency will report the the " bureaus '' not " bureau '' or even lists the bureau in which they plan to report too. During the signup process my husband and I were mislead into thinking we could use this service as a way to rebuild our credit and now are refusing to repay back this loan until this matter is investigated further for the gross negligence and misleading products and services being offered.
10/04/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91766	Web	Servicemember
XX/XX/XXXX I took out an installment loan with LoanMe, which I discovered through a commercial over the radio. At the time I had XXXX of my XXXX minor children in the XXXX after going through XXXX 3 months prior and needed the money XXXX I did unfortunately take the loan out based on the terms that the were expressed to me by the employee of LoanMe and due to the stress and emotions of the timing did not thoroughly read through the paperwork. I was given a loan at 138.28 %. I am a married man with a family of XXXX with a part time only job and when I could not make the payments that were not initially disclosed to me, I called the lender ( LoanMe ) to discuss payment arrangements and they denied me stating that my offer to make payments to them were not enough for them. I later received court documentation to for a court trial as the lender ( loanMe ) had filed in small claims court. I continued to get harassed and have asked them to stop harassment as we already have a court date set XXXX. The phone calls and harassment seem to persist. I also received an email from the customer service department at LoanMe XX/XX/XXXX and they sent me information for my loan and another borrower. Leading me to believe that their policy to protect my privacy is not adhered to with Privacy laws Act. Please look into this company regarding harassment and the lack of privacy.
09/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
This is not a duplicate. The company did not even address any part of this complaint The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX they are just stealing money and ruining credit. I have filed complaint /dispute with XXXX as well. I belive this is XXXX going by a different name They did not respond to how I have paid them XXXX and owe them XXXX now. After I received a statement which was not sent until after I filed this complaint. They have never sent me one bill, or one statement on line. On XXXX loan and having paid them XXXX how is it even possible I owe them more than the loan. This is predatory and they did not respond to any of this in the letter. I have already taken this to a lawyer and spoke with CA ATTY General on this. They do not send any monthly information. Also no one has responded to my last email to them sent on the XX/XX/19. This company needs to be regulated. I requested to settle this for XXXX but they did not respond to that. They just glossed over the complaint. I will be posting everywhere warning people not to use them ever!! There is no way I should owe more than XXXX after paying them XXXX this is insane!!! I will just not pay them anymore every again
07/31/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA XXXXX	Web
This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information. They used three different numbers to contact me and my family : XXXX XXXX XXXX
09/27/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91911	Web
I obtained this loan in a tight spot due to a family emergency. Never did I imagine this con artists would still be trying to rip me off after paying over {$15000.00} on a borrowed loan of {$3100.00}!! I put an immediate cease and desist on them because after setting up arrangements on my payday every month of the XXXX, they continued to harass me via email, which I NEVER gave them authorization to do so but only for receipt of payment, as well as ridiculous calls to my cell and work. My attorneys, who I worked for grew concerned and asked if I needed assistance, but I wanted to take care of it myself. I replied to their emails in an angry and unprofessional way but they stopped contacting my cell. Recently in XXXX and XXXX, they left voicemails again and apparently tried my work again. I took screenshots and have attached the ones they left messages on. They also illegally took money from my account when I informed them of this. I spoke to a manager who acknowledged they got the notice but they did nothing. My bank finally refunded me all the fees and monies while I was furloughed in XX/XX/2020. They are negatively impacting my credit and refuse to satisfy this debt after paying over {$15000.00} on a loan of {$3100.00}. They need to be criminally investigated and I am seriously looking into a legal class action suit.
03/19/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 91202	Web
I borrowed money from Loan Me XX/XX/2017 for unexpected household emergency. I began repayment as agreed and paid over half of the loan amount back to Loan Me over the next several months. Loan Me charged me triple the interest on my loan and after paying half of the loan amount back in a timely manner I still owed more than the original amount borrowed. I contacted Loan Me several times to resolve this matter and they refused to agree to a settlement. Now 3 years later they have a wage garnishment and 25 % of my salary is being taken from my paychecks after being unemployed for nine months because of Covid 19. The total amount that they are garnishing from my paycheck is {$2800.00} which is only {$190.00} less than the original amount borrowed three years ago. However, I have already paid over {$1500.00} of that original debt back to them. These fees plus interest are excessive and over the usuary law in the state of California! Loan Me is a company that takes advantage of people in desperate situations and exploits them. What Loan Me is doing to me as well as many other Americans is abusive and should not be tolerated!! I am a single dad of XXXX and already paying 25 % of my salary for child support. I can not afford to take care of my child with this wage garnishment being removed from my pay check! Please help me!
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90277	Web
Loanme Inc, originated a loan in XXXX with me when they were not licensed under California XXXX XXXX to lend in the state of California. They made false representation on the promissory note that were license to lend when in fact they were under a Desist and Refrain Order by the Commissioner of Business Oversight of the State of California. ( See enclosed Order. ) They were not properly licensed until XXXX. This company has had a history of predatory and deceitful practices including changing the company name several times, using non licensed agents for lending, and originating mortgages with a false NMLS number. The loan itself charged a criminal 116 % compound interest. I paid over {$17000.00} on a {$5400.00} loan and still owed over {$5400.00} according to their calculations. In addition to this, the company reports a false payment history. The only lates that should be reporting are the XXXX lates that caused the account to go in default. However, Loanme inserted false lates in XXXX ( see enclosed old & current reports comparison ) AND under agreement with a Loanme supervisor, the lates of XXXX were to be removed. I've attempted to resolve with Loanme and XXXX to no avail for the last 2 years. I want the account removed from my credit report since they were not licensed to lend and practice predatory lending.
11/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90242	Web
In 2015 I was on XXXX XXXX I received a pre approval letter in the mail for an instalment loan. I applied online and was contacted shortly by a rep. I clearly told him I was on XXXX and I was n't sure about getting the loan and he kept telling me to tell the loan processor I am working and not " on XXXX '' or else I wo n't get the loan. So I was forced to put my income like if I was working. I finally got the loan and I felt uneasy about being pressured to get the loan so I wanted to return it back. The company said I had to wait until the 1st payment was due. So me being in a financial distress I used the money to pay other bills. I ultimately lost my job and was unable to pay them after I went back to work from XXXX XXXX. The company kept calling my job despite me telling them I could get fired. They also threatened to garnish my wages if I did n't pay. I am currently unemployed and I heard recently they served my previous employer at her house!!! To have my wages garnished. I do n't work and I am very upset and embarrassed that they went directly to my old bosses house instead of calling me or coming to my home. This is causing alot of stress on me because I honestly never wanted this high interest loan to begin with. Their rep was very much pressuring me to get it even told me to lie about my income.
06/23/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	CA 95123	Web
I got a personal loan from XXXX XXXX. I made arrangements to have the very high interest on the changed through a Debt Consoldation Company. The original interest was around 120 %. They agreed to remove the high interest and take a lower monthly payment. The original amount that was due was over {$12000.00} for a {$2600.00} loan. The new payment amount is {$180.00} and the interest was taken off the loan. In XX/XX/XXXX they made a report to XXXX that now states on my credit report that it is Charged off. I have never been late with any payments. Also I am XXXX on XXXX. I am on a return to work program. I bought anolder car last year on Credit through XXXX XXXX a car loan company who gives high risk and high interest loans to people ON XXXX. my credit was very low when I got this loan. But after a year of paying all my creditors right on time my my credit has gone up substantially. In order for me to continue the Return to work program I will need to buy a new car. I started working as a XXXX for XXXX last year in XX/XX/XXXX. But because of the charge Off added to my XXXX credit report by XXXX XXXX, I am unable to buy a new.car in order to continue my job with XXXX. So now because of the charge off I can not get a new car. So I will lose my job on XXXX XXXX of XXXX because my car is much to old now.
03/05/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90745	Web
This loan was acquired in XX/XX/XXXX with a monthly payment of {$720.00} and at the time I was never told the interest accrued daily but was told I could make principal payments and there was no prepayment penalty. I have been attempting to make an additional {$100.00} toward the principal since XX/XX/XXXX with the exception of XX/XX/XXXX additional payment was {$73.00}. Per my welcome letter, additional monies would be applied towards the principal in accordance with the contract and once I realized the overage wasnt being applied to principal, In XX/XX/XXXX I spoke to a XXXX which said I must add a memo designating such. I informed her that I pay through online banking and at that time I couldnt add a memo. She agreed that a flag would be placed on my account designating all overages should be applied towards Principal and would contact the XXXX XXXX to re-apply the overages. In XX/XX/XXXX I began to send the overage separately and after my monthly payment in hopes to alleviate the confusion to no avail. I have talked to several Managers with promises of correct this problem and still no resolution. This is frustrating and very disappointing because I am trying to shorten the terms of this loan without success. Also the terms of this loan changed on XX/XX/XXXX without notification.
01/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94577	Web
I took out an installment loan of XXXX from XXXX. After speaking with XXXX XXXX XXXX indicates XXXX explained the loan process and fees correctly to me. That is a lie and they said they have recorded information they refuse to let me hear the recording. They scammed me into a loan that XXXX stated was only 35 % interest but it is 101 % interest. So I made my first payment of {$480.00}. Only to find out {$0.00} went to the principle so they can pull {$41000.00} out of my pocket in 7 years is illegal. They state they are a licensed lender and exempt from the Usery Law but can take {$47000.00}?? They will not get {$47000.00} from me. I have received two letters from XXXX stating a pay off plan. To pay 13 Months of {$580.00} per month which will cause serious financial hardship. They are refusing to work with me but reporting non-payments to the credit bureaus damaging my credit rating. They are loan sharks trying to steal money from people in a get rich scheme. They have illegally called my work and also risking me losing my job by contacting me via XXXX from a ( XXXX ) XXXX number. They contacted me illegally on my XXXX XXXX # XXXX, and a grand total of 16 times. I have tried to report this to the FTC Sentinel Network but they have indicated it has to go through the CFPB.
01/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	DE 19904	Web
I took out a loan, for high interest Prior to making my first payment I secured a loan to pay off loan me at a lower interest rate. The second loan company issued a check to loan me to pay off the loan. The check was overnighted however by the time loan me received it more interest had accrued. I had auto payment set up with them so they took XXXX out of my bank account on the original due date. I called them and was told that they could n't apply the check to the account because it referenced it was a payoff and because another day or two of interest had accrued they had to take the XXXX payment out of my bank account. I understand they would need to charge my account for the difference due to the accrued interest but I feel for them to take out XXXX when i did n't owe that much is bad business practice. They received the check on XXXX XXXX my first payment was due XXXX XXXX. They had plenty of time to apply the payment without debiting my checking account. This overdrew my account and I was charged fees by my bank. I called them again and they said they would apply the check to my loan AFTER the XXXX came out and would send me the difference of the overpayment, that 's great but in the meantime my bank account is overdrawn and other payments I made are being returned nsf
07/31/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA XXXXX	Web
This collection company never contacted me direct at first. They contacted my sisters, my nieces and nephews. When I contacted them they were rude and extremely aggressive. My personal information was also passed along to my family members. My sisters were told that I am in major trouble and that I owe a lot of money to people and that a lawsuit was filed against me and that they needed to tell me to contact the company right away or I would be served and prosecuted. They stated that they had a process server on the way to my place of employment at serve me legal documents because legal action had been taken against me. They said the only way to stop a lawsuit and place the process server on hold was to make payments to them directly and immediately. They continually called my sister, my nieces and my nephews on their personal cell phones and at their places of employment even after being told to stop harassing them and to not contact them. After they were told not to contact them again the company called back another 6-7 times back to back. I myself have had the same issue. They called at least 10-15 times a day and even when I did answer they threaten me with a lawsuit and became aggressive using scare tactics to get me to provide them with my banking information.
07/06/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90036	Web
Today, XX/XX/2022 at approximately XXXXXXXX XXXX. XXXX, I called the company to make a payment of {$110.00}. ( Their website for processing payments is repeatedly not working, and when it does, it defaults to posting the payment no sooner than two days from today. That is how they incur additional interests on the loan ). Today the agent took my debit card info and then provided me with a confirmation number for a payment of {$290.00}. Again, it was supposed to be a payment of {$110.00}. She apologized for her mistake, put me on hold for approximately 12 minutes, then came back on the line and said " hello, hello, hello '' then disconnected the call. I called back and spoke with a supervisor by the name of XXXX, who informed me he was made aware of the situation and the agent will be held accountable for making the mistake. However all he could do is " apologize ''. I told him the call with the agent is recorded and he could listen to what happened. He/they refused to cancel the transaction or refund the money, until it posts as final to my bank statement 4 to 5 days later. In the meantime I am going to incur overdraft fees and NSF fees from the bank and other merchants. This is theft. And I am incurring substantial fees because of their theft.
04/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94565	Web
I have previously requested that an item on my credit report listed under LoanMe be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. -If you question the results of our dispute process, you may also contact the furnisher of information directly. I did as you told me, and I submitted a complaint to LoanMe on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, LoanMe stated that any further questions or concerns regarding the loan should be referred to XXXX XXXX XXXX XXXX. I then filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/2022 CFPB Complaint ID # XXXX and XXXX XXXX XXXX XXXX stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.
09/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 90002	Web
I apply for a loanme XX/XX/XXXX for {$2500.00} at {$300.00} a month of payment feed for 12 months the company contacted me around XX/XX/XXXX about some other company will be colllecting payment on the my personal loan as of XX/XX/XXXX the balance was {$1200.00} I made A paymnet of {$300.00} XX/XX/XXXX and XXXX on XX/XX/XXXX on XX/XX/XXXX I contected loanme to make a payment loanme inform me that the my account was charge off without inform me and after I made a payment XX/XX/XXXX and XX/XX/XXXX I contected the collecting agence the inform the loan said my last payment was made XX/XX/XXXX will I have made 2 payment XX/XX/XXXX and XX/XX/XXXX and don't understand why loanme charge off my account and I was make payments and loanme said my bal was {$1500.00} and bal as my understanding should be {$750.00} after I made the 2 payment XX/XX/XXXX and XX/XX/XXXX I ask for my paymnet history they inform me they don't have my payment history because they charge off my account why I would like to happy my chargeoff recalled and my payment history and my corrected bal Loanme Account # XXXX PH # XXXX Collection Company XXXX Account # XXXX PH # XXXX Please Help Thank XXXX XXXX XXXX PH # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
09/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91304	Web
In XX/XX/XXXX, I found myself in a financial bind and needed money to pay my rent and bills. I filled out an application with XXXX online and was approved. At the time I desperately needed the money and agreed to their outrages interest rate of 179 % on a {$2500.00} loan. In XXXX I had to make my first payment of {$490.00} and continued payments of {$380.00} monthly until XX/XX/XXXX. I fell on to hard times and could not continue making the payments. I did, in fact, pay from XX/XX/XXXX to XX/XX/XXXX a total of {$2400.00}. In XX/XX/XXXX, I tried to make arrangements with them and come to an agreement but was, unfortunately, they failed to come to terms with me and was later sued. Today, XX/XX/XXXX, I showed up in court and agreed to pay them {$200.00} in XXXX and {$75.00} a month after until the {$2600.00} loan is paid. When I emailed them asking if they would work with me they refused to send me a modification agreement by email or mail. To which I could not understand because they had done it before. I told them that I had the legal right to request any and all communication with them in writing. They stated that for security reasons they could not send it by email and had to speak with me on the phone.
10/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 902XX	Web
XX/XX/19 Suppose maximum loan I QUALIFIED for ... per Loanme pulling my credit report : 1. {$10000.00} ... Terms = 79 % interest ... 84 month installment payments at {$660.00} per month ... {$2000.00} origination fee. 2. {$7500.00} ... Terms = 79 % ... 84 month installment payments ... at {$490.00} per month ... {$2000.00} origination fee. XXXX. {$5000.00} ... Terms = 135 % ... 84 month installment payments ... at {$420.00} per month ... {$75.00} origination fee. Loan agent XXXX XXXX straight out bamboozled, flatout lied, misrepresented, and old school BAIT/SWITCHED, in addition to making me jump through a hoop like a DOG, having to provide all pages of my utility bill. When at inception I was told all I needed was to have my credit successfully ran, and to provide California DL, and my SS card for the successful sale from what I was originally purchasing. Which was going to be the {$5000.00} loan with the above terms. In the end of supposedly being fully approved he comes to me with the ( attached ) deal of {$3100.00} ... 135 % ... for 47 month installments ... at {$350.00}! Straight institutional racism at it's finest, when a person of XXXX is down on his fortunes, and in need!
02/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 906XX	Web
On or about XX/XX/XXXX, I was issued a loan from Loan Me XXXX. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. XXXX XXXX XXXX XXXX
02/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 906XX	Web
On or about XX/XX/XXXX, I was issued a loan from Loan Me Inc. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. XXXX XXXX XXXX XXXX
06/11/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 95391	Web
I had taken out a loan with them and had paid back what I borrowed plus some. I ended up defaulting due to family trouble and my income was not enough to cover all bills. They started calling me relentlessly. I had told them to stop. They have n't. This has gone on since XXXX of this y ear ( 2017 ). They call multiple times a day ( up to 12 times ) from various phone numbers. They mask their number to local area codes and phone numbers that belong to regular people, as well as using phone numbers and area codes that belong to areas and people all throughout the country. Lately they 've taken to harassing my hus band ( a prior reference ) and somehow they got the number for a good friend of mine and have been calling her too. My husband has also asked them to stop calling him. On average I rec eive 7 pho ne calls a day. Most recently a " XXXX XXXX '' has been calling multiple times a day from different phone numbers. He uses legal terms saying there is a " case '' against me and he wants to work with me to help " get it dismissed. '' His number is XXXX , ext. XXXX I have attached a log of the many phone numbers I have received harassment calls from.
05/31/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	UT 84118	Web	Servicemember
The account was charged off of with XXXX XXXX in XX/XX/XXXX. I had been working with a debt consolidation company, XXXX XXXX XXXX, to settle the account. XXXX XXXX claims that they had contacted XXXX XXXX XXXX multiple time to workout a settlement agreement and received no response. I am no longer working with XXXX XXXX XXXX and they are currently under investigation. Upon contacting XXXX XXXX on XX/XX/XXXX, I was informed that after the charge off date daily interest was still accruing. I was also told that when the loan was originally taken out the amount was {$5400.00}. The representative told me a total of {$870.00} had been paid on the loan. XXXX XXXX told me they charged off the account for {$7400.00}. Currently the balance on the loan is {$16000.00}. Therefore, since the last payment on the account, they told me I had been charged {$12000.00} in interest. In addition, after review of my credit report it shows the charge off balance as {$5300.00}. The last balance on the account was {$2000.00}. The credit report also shows that the account was charged off inXX/XX/XXXX. At this time I feel that the company is defrauding me of thousands of dollars.
09/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95014	Web
I believe I am the victim of predatory lending practices and was taken advantage of during a difficult time in my life. While I only needed a lesser amount than the loan I got, I was convinced to take a much larger loan, which I am struggling to afford now. I only needed about {$3000.00} but was convinced by the agent on the phone that the {$10000.00} loan was a better deal and I should take it ( I only received about {$8000.00} in funds ) I did and am being charged over 75 %. I took out the loan in XXXX of 2017 and have made all of the payments so far ( about {$670.00} per month ). The company has already made it's money back on me and I feel they took advantage of me last year in a time of need. I had gone into debt by being out of work from XXXX through XXXX of 2017, going through a second divorce, and was about to have XXXX XX/XX/2017 in which I would have to take unpaid time off of work from a job I had just started. I would not have taken out such a large loan amount if not talked into it by the loan agent and am complaining to get my principal reduced to the original amount I wanted ( {$3000.00} ). Can you please help? Thanks, XXXX
06/05/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 94608	Web
Good afternoon as always, I make my payments on time XXXX usd, over a 2.600 loan that I took back on XXXX, XXXX representative told me that I can pay more money in addition to my monthly payment in order to decrease the principal amount, the interest rate is 179 % insane but I agreed, anyway when I make a payment with extra money it never goes to the principal, and when it goes to the principal they take between 10 to 15 days even a month to be reflected in the principal amount, so when is time to make the monthly payment they charge me 179 % over the principal they had to has decreased already because I make an extra payment the last cycle, but I does not, they apply 179 % to the old principal amount, and once I make the payment days after the extra money appears and the principle never goes down. I pay XXXX usd every month in addition of that I always pay XXXX or more, supposedly the XXXXusd are interest for XXXX usd with 179 %, logical if I pay XXXX additional the principal should goes down XXXX or even a little be more, but with XXXX never happen you call them and they make up arguments, fees and a bunch of things that you never agreed with.
06/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 225XX	Web	Servicemember
I received loan from LOANME. XXXX in amount of {$2100.00} in XX/XX/XXXX. Made first biweekly payment of {$160.00} on XX/XX/XXXX. For last 7 months up until XX/XX/XXXX I've been making these bi weekly payments of {$160.00}, totaling over {$2500.00}? Which is way over principle amount of loan. When I go on website to access my account about pay history and payoff, I can not access my account? Customer service gives me the run around! Then they give me a pay off amount well over the actual principle amount of the actual {$2100.00} loan itself? After paying them over {$2500.00} for the last 7 months, my pay off way over {$2500.00}? How? And why is pay off more than the actual loan? Where did my payments go if they weren't applied to principle of the loan to help with pay off? I was told if I paid off loan early, then there would not be any pre pay penalties? I'm confused as to how I owe more than amount borrowed after 7 months of on time payments? This lender is a predatory loan lender and charging interest rates that aren't legal in the states that you reside in, in receiving these loans. Paying over XXXX times the amount of money borrowed
09/02/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA XXXXX	Web
I received a text from my landlord on XXXX 2017 that a creditor named XXXX has contacted him stating that I owed money to them. Stating how long I have been apparently on default with them and also stated an amount due to them immediately and asked my landlord to contact me and have me call them immediately. I was appalled that they have contacted my landlord and informed them of a debt that I apparently owed. This is a violation of my privacy and the FDCPA act. How did they even know who my landlord was and how did they even get his number? This is very disturbing to me. This is not only an embarrassment to me, but a pure act of defamation of my name intentionally informing my landlord of debts that felt my landlord needed to be aware of about me. I demand this company to cease and desist all calls to ANYONE other than the person that owes the debt. I will be filing a personal lawsuit against this company and will be demanding that they prove this debt even belongs to me. They must prove it belongs to me by providing me a signature IN WRITING and i sure hope they are not reporting false information to any of the CB 's. Very livid.
07/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 94114	Web
I made my monthly payment due on XXXX using the online tool. Then I arranged to pay off my loan on Sat. XXXX after calculating their 'payoff ' calendar. ( Approx $ XXXX ) Since it was a holiday weekend, I figured they would process my payoff after the XXXX of XXXX weekend. I kept checking my online bank statement, but there was no indication of a 'pending ' withdrawal. Usually, when I make a payment online, it shows as 'pending ' on my bank statement within a day or two. I contacted the company 's customer agents, and the only answer I got was, " that should be processed soon. '' A week passed, and my bank statement still showed NO 'pending ' transaction. I contacted the customer service agent again, and one of them told me that they have a NEW PAYOFF COMPANY, and it's taking longer than usual. It is XX/XX/21, and still, NO pending transaction appears on my bank statement. Meanwhile, my credit score is declining because I took another loan offering a better term. Without Loanme taking no action, my total debt has increased. Loanme doesn't help me blaming solely on the fact they have a new payoff company.
11/01/2017	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CA 95122	Web
I been receiving multiple phone call from this agency.XXXX XXXX area code : Toll-free Read comments below about XXXX. Report unwanted calls to help identify who is using this phone number. Left a VM saying, " This is XXXX calling with XXXX XXXX an advocate for the XXXX County courts calling to notify you of your appearance date requested to be scheduled for this coming Friday, XXXX XXXX, 2017 at XXXX ( today is XXXX XXXX, 2017 ). As the XXXX XXXX, we do not hold the contents to your case. You must contact the filing party if you have any questions or concerns regarding your expected appearance. They can be reached at XXXX. Again, they should be able to answer any questions regarding the time, date and venue in which you are expected to appear. Thank you.XXXX is XXXX XXXX XXXX XXXX, a debt collection agency. I called them to see about this matter and XXXX was being very rude and yelling at me because I was asking questions and did n't want to pay her. She state that " I hope you suffer. '' I just hang up on her. She stop calling for a day and now is calling all over again.
10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93560	Web
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX INC XXXX Open Date XX/XX/2014 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
03/24/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA XXXXX	Web
Loanme INC has been illegally recording my confidential communications phone calls without my permission/consent. They do not tell you at the onset of the call that the call is being recorded. I am requesting that your office please investigate them. I have attached a letter from them via the CFPB that they sent, which states they are illegally recording. In the CFPB Complaint in line 1-3 they say We have reviewed XXXX XXXX ( Mr. XXXX ) complaint filed on XX/XX/2019, as well as our records and telephone conversations, all of which are recorded. PROOF THEY ARE RECORDING not only me, but consumers nationwide as well without consent. They never had any previous permission and if they think they did it was under false pretenses. I am requesting they contact my authorized representative to resolve. XXXX XXXX XXXX XXXX. THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX Loanme XXXX is located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX www.Loanme.com fax XXXX
09/21/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94513	Web
I was 7 days past due on a loan payment with XXXX. I had already informed them it would be late due to unforeseen health problems and lost pay from missing work due to my health and my family 's health. They were calling me excessively at work and on my cell phone number from numerous area codes and left a huge amount of voicemails all week. Then on XXXX/XXXX/XXXX, I received an email from my company email from another employee of the company I work for, whom I do not know, do not work in the same office with or have ever even met saying that " XXXX at XXXX XXXX called and she would like for you to give her a call at ( XXXX ) XXXX, their open until XXXX. I was completely embarrassed and outraged that they did this, I do not even know her! I faxed them, sent them online letter as well as mailed a cease letter informing them that I am not allowed calls at my place of work and especially they are NOT allowed to contact a third party co-worker with my personal loan information, which saying they 're from XXXX XXXX is pretty obvious I owe a debt!
04/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 935XX	Web
I received a call from a loan me agent on XXXX from phone number XXXX claiming I owed an additional {$82.00} for my monthly payment which is {$210.00} that I paid on XXXX the monthly payment is due on the XXXX but I paid it XXXX using the XXXX payment system that says its supposed to post within 4 to 6 hours of that day I called the number on XXXX XXXX I got a recorded voice message saying no available agent in the que at this moment I have also only received one single payment coupon to pay on this account so I dont know how much is owed I did get in touch with someone that said it {$3500.00} but ive been paying since XXXX and making bigger payments Because they also said it was a no prepayment penalty account which I assumed ment if made a bigger payment when it was possible it would help pay down the debt this person that called was claiming I was supposed to make a payment that was more than the minimum and it was being calling none payment of the loan If there is any assistance that can help me loanme it would be appreciated Thank you
06/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92614	Web
I just received an email from Loan Me in XXXX, CA for Application for Credit Denial dated for XX/XX/2019 for a loan i never applied for. I immediately called them and said I never applied for credit with you guys last month, after speaking with the representative I asked to go back in his system on XX/XX/2019 and tell me what representative from Loan Me authorized my credit report to be pulled, assuming they would have that information, he declined and said his system doesn't show it. Their system doesn't show who was assisting the client on XX/XX/2019, are you kidding me? All the information is done over the phone and they can't tell you who you were speaking with or who was handling your personal information. Now I have another inquiry on my credit report for a loan I never applied for and Loan Me can't tell me who authorized to run my credit report on XX/XX/2019. Sounds like the representatives are running credit reports on people without getting there authorization to fill a quota requirement. I will be filing a police report today.
03/30/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 91342	Web
I am very disapointed with Loan Me Inc.. this is company that instead of helping people is killing with their interest of 94 %. I got a loan with them On XX/XX/2016. in the amount of {$6500.00} Just a t the begining they charge to my loan {$750.00} dls for office documents. two weeks after they diduct from my account {$280.00} and monthly payment was {$500.00} interest only. when I went to my account to check how much was my principal balance. I was very surprise!!!!! ... .. that from the payment of {$500.00}. only XXXX cents had went to the principal balance. Be Very Carefull With This Company!!!!!!! DON T GET THIS TYPES OF LOAN, BECAUSE ITS REALLY BAD RATE 94 % INTEREST ... I WILL NEVER RECOMENDED TO NO ONE ELSE!!!!! MY LOAN NUMER IS # XXXX NOW I WANT TO ALL OF US THAT HAD BEEN HURT WITH THIS COMPANY CALLING " LOAN ME INC '' WE CAN ALL GET TOGETHER AND BRING THIS COMPANY TO THE XXXX XXXX SUPIRIOR COURT TO MAKE IT JUSTICE.. BECAUSE IS HURTING WITH THEIR INTEREST RATE.!!!!! Please Contact me at XXXXXXXXXXXX. Thank You!!!!
12/03/2016	Yes	Payday loan	Charged fees or interest I didn't expect	WA 982XX	Web	Servicemember
I pay XXXX % interest on XXXX. I knew about this but you do not have an OTHER so I can not tell you what most closely describes the problem. Here is that very problem : I 'm paying 118 % and did in-fact, STOP the auto payments from my bank account. Simple DEAUTHORIZE it. but, the problem is, I do NOT believe the XXXX % FAIR and I wo n't be paying it off until XX/XX/XXXX. That 's XXXX and XXXX style loans. The only difference is, you do n't " sleep with the fishes '' or " wear cement shoes ''. This is XXXX and they DO NOT help rebuild your credit, they DESTROY your credit, hassle and harass you every month when your loan payment comes due. I 'm just now getting on my feet and I BELIEVE that I paid them MORE than enough at $ XXXX a month in INTEREST on {$3000.00} since XX/XX/XXXX. That 's roughly {$6400.00} since XX/XX/XXXX and MORE than XXXX their money. I 'm tired of this and I WANT IT TO END. How is this allowed by XXXX XXXX and the Banking XXXX? How??? Do you, the FEDERAL Government XXXX this to happen? How???
03/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 94531	Web
On XX/XX/XXXX spoke to representative that called me says the XXXX payment I made by mail was not received so I had to pay over the phone immediately so that I don't fall into a 30 day default. I made both the XXXX and XXXX payment total of {$240.00}, then following day on XXXX the XXXX check payment finally went thru, dated XX/XX/13 and I mailed it same day. so now I made 3 payments, called today spoke to XXXX after a long hold unable to reverse any of the payment because I will fall into default. then proceeded to tell me best to credit the month of XXXX and XXXX. attempted to get 1 payment reversed, can't even do that, have to wait 5 days for check to clear, then another 15 days to get a check by mail. this company is worse than cash call. hold your check payment till the last day of the month, then calls and tells you that you are in default. gives you cause for concern and now the scare tactic tricked me into making 3 payments. nice way to do business -and on top of that I get a notice of default that I owe fees
10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90242	Web
Loan me has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. I filed a dispute with XXXX on XX/XX/XXXX because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX and then my loan was charged off. This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX - until paid off on XX/XX/XXXX after my loan from loan me was sold to them. Under the fair credit reporting act loan me has violated my rights. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XX/XX/XXXX.
05/04/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	CA 93003	Web	Older American
I contacted Loan Me, an on-line lean company. In setting up the loan, I was asked to give my router number to my checking account so the loan could be deposited. After that I was told to purchase XXXX itunes cards, XXXX for XXXX , the other XXXX . Then I called the phone number given to me ( XXXX ) and read the numbers over the phone. I was told at that time that XXXX had been put on my credit card. This was to be given back to the loan company via XXXX . This would show good faith in paying back the loan. I was instructed to go to XXXX and purchase the XXXX which I did for XXXX . A check was sent to me for XXXX but the bank did n't cash it. Another check came for XXXX but was not cashed. A third came that was made out to XXXX XXXX whom I do n't not know. I am contesting that I did n't authorize the money on my credit card and I want XXXX XXXX to put it back in my account. My accounts have been closed and I have received a new bank card, but have not been reimbursed for the XXXX .
05/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90813	Web
This is in regards to XXXX loan number XXXX for XXXX XXXX as I am an authorized 3rd party on the account. When the loan was originated, I was never provided the required California Electronic Consent forms. This was further verified as these disclosures, and forms are not included within my loan file. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online. If you want the option of sending and receiving loan documents by e-mail or on a website, federal law requires safeguards to ensure that consumers like myself have the capability to receive such disclosures and are fully aware of the consequences of receiving documents electronically. Federal law also requires that your consent to use e-mail and electronic versions of information, disclosures, contracts, and other documents and records ( " electronic documents '' ) that would otherwise be legally effective only if provided to you in a printed/written paper document.
05/24/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MN 553XX	Web
I was on my bank trying to apply and it directed me to start up and once I tried an application loan for them it told me that I was unable to get a loan through them but was able to get a loan through a third party. Before I even put any of my information it had my information so I figured it was through start up in the website was secured when I went on to loanme.com After filling out the online application the page refreshed and had told me that I was pre-approved and redirected me to the next screen, which said that my approval was pending and that I would receive an email for next steps. And when I went on to their website and tried logging in I told me I was not a member or did not have an account. Prior to going on to loan me I had screenshotted where my bank directed me to loan me and I noticed on the top of my screen shotted picture it had said loanmee.com Right away I noticed it had an extra e and started freaking out. I know think my life is ruined and don't know what to do about it.
08/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 95348	Web
I lost my only brother to a hit and run whom my mother depended solely on for income so in desperation I sought financial help online after being turned away by my bank, I found Loan Me located out of XXXX Ca the process was so easy even for someone with bad credit like myself but I borrowed {$2600.00} in XX/XX/XXXX first pymt was {$500.00} then the following 8 of {$380.00} or more then COVID-19 and XXXX XX/XX/XXXX happened I feel behind again came across lump some thought it smart free up monthly income so I attempted to pay off Loan Me they wanted {$3200.00} from me which I did not have I can not settle with them here we are theyve collected every month on time with all that interest and late fees and when I reached out in XX/XX/XXXX I told I could pay that due to covid19 trickle effects on my entire household income to help resolve this debt the refused Iwork hard to pay off ALL my debt and my credit scores wont reflect this if they report it as bad debt to the credit bureaus
08/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 78702	Web
I received a number of emails this morning from LoanMe ( www.loanme.com ) indicating that I had applied, been conditionally approved for, and ultimately funded through a loan agreement and settlement for a {$2500.00} loan with a 139.12 % APR using my name, my email, and a California address that I do not know or recognize. My attempts to get more information from Customer Service indicated that I should send them a police report, but at this time I have no knowledge of why my email was used, if this is a different person with my name, or what checking account number is associated with this loan that was taken out. Customer service told me that neither my name nor email address were associated with the loan number supplied in the emails. This is highly suspicious. I will continue watching my credit monitoring but nothing has been identified at this time. To be clear, I have not taken out any loan and I have credit freezes in effect since XX/XX/XXXX to protect from fraud.
03/17/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91367	Web
On XX/XX/2022, I spoke to a XXXX from XXXX XXXX XXXX XXXX regarding monthly charges that were being automatically deducted from my checking account for an alleged debt to Loan Me. I authorized her to take a ONE-TIME payment of XXXX and requested that they provide me with an accounting of any and all payments made on this alleged debt as well as the original paperwork from Loan Me. Once this was received by them, I would be able to confirm what was actually paid or owed. Instead, I received a simple XXXX spreadsheet showing payment to them ( XXXX XXXX ) rather than all payments made on the loan. When XXXX called me this past Tuesday, XX/XX/2022, I explained to her that although I received the email from them ( sent by an XXXX XXXX who I have never spoken to nor do I know ) I had not had an opportunity to look at it yet. Now today, they have resume UNAUTHORIZED debits in the amount of XXXX} from my checking account. I have already reported this to my bank as fraud.
04/24/2021	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 752XX	Web
To whom it may concern, I am writing to advise that the company LoanMe has stolen thousands and thousands of dollars from me. When I initially applied for the loan, I was never given the interest rate of the actual loan. I was told that I would only pay a fixed amount for two years, and when I called them recently, they said that I need to pay an additional 2 years. The loan I borrowed was less than {$3000.00}. If I continue paying for the next 2 years, I would have payed them more than {$20000.00}! How does that make sense??! That is an interest rate more than 100 % that I was never told about! LoanMe is stealing money from me monthly, {$290.00} to be exact, and I want out of this evil contract. I have called multiple times, but no answer. In fact, the last time I actually spoke to someone they said that I would need to pay around {$2000.00} to be released from my loan. Please assist me with this matter! I want nothing to do with this company EVER AGAIN!
04/22/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
I applied for a business loan of {$10000.00} through Loan Me on-line at 22.5 % interest, We went over the details on a recorded line onXXXX for over a half an hour. confirming all the legal information. I then received the {$10000.00} XX/XX/2016 for a business loan. Loan Me started receiving payments from me via autopay from my checking account XX/XX/2016 in the amount of {$920.00} then again XX/XX/2016 in the amount of {$840.00}. I checked my balance in the middle of XX/XX/2016 and the payments weren't reflected on my account. I called customer service to ask what happen to my payments. They said I agreed to a 99 % interest, I stated in my conversation of over a1/2 hour on XX/XX/2016 with their loan representative it was 22.5 % interest & I wanted a copy of the phone conversation they recorded. They refused. This is bate a switch tactic at an extreme lever and I stopped paying Loan Me. This is fraud & I don't know how they are able to state in business
01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WI 54915	Web	Servicemember
LoanMe/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}. In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The Circuit Court of XXXX XXXX, State of Wisconsin. In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. This creditor continues to report to all three of the credit bureaus negative information. In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.
05/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92672	Web
I had taken a personal loan out from LoanMe back in XXXX to cover some bills. The maturity date on the loan if not prepaid was XX/XX/XXXX. I made my last payment on XX/XX/XXXX. I then called them to verify that I was done with the loan and was told that was the last payment. On XX/XX/XXXX, I logged into my bank account and noticed a payment pending for {$350.00}. I contacted them and was told the extra payments were added on because of an insufficient funds payment from XX/XX/XXXX. I called my bank to verify that info and they researched my statements and the transaction history for the merchant and was told by my bank that there are no insufficient funds for that merchant showing in the XXXX XXXX XXXX transaction history. I have the agreement that was executed and the payment settlement sheet that clearly show a loan maturity date of XX/XX/XXXX which I paid. I called them again to try and resolve this and got a completely different story.
09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 92801	Web
XXXX ( also known as cashcall ) uses false proof of service. My old landlord informed me I had a legal document laying on the door step ( not in an envelope ). If he never told me of the document I would of had a judgement against me In California if the document is left on a doorstep it is supposed to be mailed as well. ( on occasion my landlord contacts me if I get any junk mail that shows up there- never got mailed letter from XXXX ). I went to court and asked about the proof of service. I was told it was left with " my daughter ''. The description of " my daughter '' is no where close. Plus She has not lived at that residence for over 10 months. This is a lie, false documention plus my old landlord said this was laying on the ground. Is n't this illegal tatic? I wonder how many other people have a judgement against them. If they wanted my correct address they could had gotten it off my credit report. I 'm sure they have skip tracers.
03/25/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 92584	Web
I contacted Loanme about a consolidated loan for $ XXXX {$20000.00}. They qualified me, gave me a verbal commitment, quoted fees, and sent me information by email. When they asked me for personal account information I questioned them on the information they asked for. They would only talk over the phone so I would not have a record of the conversation. I provided them information when they told me they would do the loan. After I did they asked for more personal information. When I asked for a loan commitment they did not give me one. when they offered me a few thousand dollars, I told them I get that on a credit card and not pay their kind of fees. When I told them they were violating my credit rights they quit contacting me and gave me no closure. They took a lot of personal account information for the amount they loan. banks and credit card companies do n't ask for the information they requested. I believe they violated my credit rights.
01/26/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92651	Web
I was in need of money to make my rent payment and was referred to the attached web address : XXXX As you note. Apr was advertised as 11.36 % Apr on web page attached and used to solicit my borrowing at zero percent interest for 7 days. With receipt of funds I am now being told that my APR is in nearly 140 %, I bevel this predatory lending is illegal and believe that it is in violation of the Consumer protection laws recently passed. See attached Notice and settlement information I am now receiving from this lender. XXXX XXXX The web page in now way describes this loan and appears to be some sort of bate and switch plan to trap consumers in need. I believe this is very much exactly what the CFPB has done to protect consumers from such predatory activity. My phone number is XXXX XXXX XXXX I am a California Resident and I am unable to pay these usery amounts. In violation of the California Constitution Article 13 Usury.
08/30/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 950XX	Web
XXXX with XXXX, -XXXX XXXX XXXX- called and left a message at my place of employment, which I am not working at right now as I am on XXXX. He lied to an employee of the company saying that the call was regarding an " application ''. When I returned the call to him to find out what it was regarding, he then stated that It was a collection account. He threatened to serve me legal papers at work. I stated a couple of times that I was on XXXX and not working, and he asked " what does that have to do with it? '' He was rude, condescending and a bit harassing. Also, he stated the address that they have sent information to, to which I responded was not my address. I told him my mailing address and he responded that they needed my physical address. I told him that I wasn't giving them my physical address and that they needed to send information to my XXXX XXXX , which is when he threatened to have papers served to me at work.
10/24/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 92392	Web
During a time of separation my wife took out a predatory loan. My wife speaks only XXXX and went to LoanMe. They told her what the payments were but intentionally hid the high interest rate. She was unable to make the payments so they sued her in XX/XX/2017after saying that she was served at an address we had not lived at for some time. There could not have been service at that address. Now that we are aware of the judgment we have made reasonable offer they refuse to come to a reasonable amount. They took advantage of the language barrier then used the legal system to bully her. I believe AB 539 was recently passed which protects consumers like my wife. I believe LoanMe is in violation of 22302 of the Financial Code as demonstrated in a recent case De la Torre -vs.- Cash Call, Case No. 08-cv-03174-MEJ. The California Supreme Court held this type of loan practices unconscionable under 22302 of the Financial Code.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90815	Web
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
10/15/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CT 06880	Web
Received an e-mail from the company below demanding pay from a loan that I did not make. The address in the bill is different then mine and the name does not have a middle initial, also I do n't know how they got may e-mail. Do n't know if this company is legit. e-mail from XXXXXXXXXXXX XXXX XXXX ( 2 days ago ) to me XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Loan # XXXX Dear XXXX XXXX, This e-mail is to inform you that we will be debiting your account for the outstanding payment due or fees of {$290.00} on XXXX/XXXX/2016 XXXX Sincerely, LoanMe , Inc . XXXX This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 90631	Web
In XX/XX/XXXX, I owned a XXXX and applied for a business loan in the amount of {$10000.00} of which I was given {$9000.00}. 6 months later the business closed and failed to continue with the loan. In XX/XX/XXXX, XXXX XXXX had filed suit against the Corporation and has attached this law suit against me, personally. I have tried to inform them that they have attached a discharge in the amount of {$46000.00} which is effecting me with attempting to acquire a better rate, apply for a car loan, and rent a place for my family and me. I have contacted thier attorney several times and asked for them to remove that negative item. We are currently going to court in a civil limited case and they have already informed the credit companies that I owe them {$46000.00} Please Help, I dont know if what they did violed the law which it hasn't been resolved through the courts or the judge 's decision on the out come..
06/18/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91355	Web
XXXX from XXXX XXXX XXXX has been harassing my friends and family members, even immediately after I called and spoke to them. They have no reason to talk to any of these people, unless it's to get my whereabouts, and since I am in contact with them, this is nothing but harassment of them and me. I told XXXX, I regret this situation. I acknowledge my obligation. Im committed to repaying you in full, and as quickly as is possible. My financial situation is difficult and unclear at this point. I will be back in touch with you in two weeks to discuss a repayment schedule. XXXX would not accept this and kept harassing me on the phone. When we hung up he immediately called a friend of mine, woke her up, and harassed her to " Get information on XXXX. '' In addition, they have attempted to contact the mother of this friend ( whom I have never met ) to talk about this delinquent loan as well.
02/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92021	Web
my complaint is against XXXX XXXX, paid off amount. This loan was made by phone, my conversation with the person was- I requested a loan for the amount of {$5000.00}, ( see attach ), they toll me that the financial charges were going to be {$2500.00}, and the payments were going to be {$560.00} per months. I paid this amount for the XX/XX/2018 year, ( see attach ). This year I call XXXX to get the paid off amount, and over the phone, they tool me that " I have another 76 payments for the total of {>= $1,000,000}. How can a {$5000.00} loan became {>= $1,000,000}? This is a ripoff. Also over the phone, the person, toll me that if I want to pay the loan off, it was going to be another {$8000.00} to pay the loan or another 76 payments of {$56000.00}. The annual percentage rate is 132,48 %, which I did not know about. Also, the promissory note they send me was not signed, ( see Attach )
08/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92126	Web	Older American
I borrowed {$2500.00} in XX/XX/XXXX. 8 payments of {$290.00} and 1 {$170.00}. If I were to pay this off today I would owe {$3100.00} after making all these payments. {$4.00} of each payment goes to the principle of this loan. I have asked for a hardship payoff due to a series of medical issues since XX/XX/XXXX. 1st an accident at work and then XXXX XXXX XXXX XXXX on my XXXX. I missed almost 3 months of work. I believe that this interest rate and loan process is so wrong. I also know that I was the XXXX that signed the paper. I want people to know not to do this. The XXXX XXXX counselors almost talk you into getting the loan saying things like " I know you can pay it off sooner '' .. They basically schmooze you into thinking you can afford this.. After final payment the total I will have paid is {$14000.00}. There should be laws protecting vulnerable and gullible people like myself.
04/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	KS 67212	Web
In XXXX there was a system update, since then our amortization schedule has been completely messed up. It restarted our amortization schedule to the beginning ( essentially restarting the term of our loan and charging us 1000 's of dollars extra in interest and applying less than they should to our principal ). Every month my partner has had to call and have a manager manually override it and every month they tell us it has been fixed for future payments, yet every month he has to spend hours on the phone trying to get ahold of someone who can fix it. So far, my partner has been unable to get this issue fixed for the month of XXXX. Many times their phones are down or we get stuck in an endless phone tree that leads us nowhere. We are on top of our finances, but it scares me because there may be other people out there that this has happened to and they're unaware of the issue.
08/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
Loan me has not addressed the issue still. Stop sending vague responses. I attached PROOF OF EVERY SINGLE EMAIL I SENT TO LOAN ME. LOAN ME DID NOT RESPOND TO MY EMAILS AT ALL!!!!!! THIS IS THE ISSUE AT HAND HERE. THEY RESPOND AND IGNORE THAT ISSUE. THERE LACK OF RESPONDING IN WRITING TO EVERY EMAIL AND QUESTION I HAD AND DISPUTE I HAD PROVES THEIR WRONG DOING. EVERYTHING WOULD HAVE BEEN IF THEY RESPONDED IN WRITING WHICH THEY REFUSED TO AND IGNORED. I AM NOW SENDING THIS WITH ALL PROOF TO THE STATE OF CA BUSINESS OF OVERSIGHT AS WELL AS THE ATTORNEY GENERAL. AND YES I REFUSED TO SPEAK OVER THE PHONE BECAUSE YOU ARE LIARS OVER THE PHONE AND HARRASSING AND RUDE. I WANTED EVERYTHING IN WRITING FROM YOU AND SENT DEMANDS TO HAVE THIS IN WRITING WHICH LOAN ME REFUSED!!!! I HAVE PAID YOU OVER XXXX AND LIKE YOU SAID THE LOAN WAS XXXX YET YOU CLAIM I STILL OWE YOU XXXX UNBELIEVABLE.
08/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93030	Web	Older American, Servicemember
I borrowed about {$2500.00} from XXXX XXXX onXX/XX/XXXX. I 've made payments of {$290.00} every month startingXX/XX/XXXX. I was late with a payment a couple of times and had to pay NSF fee of {$36.00} to my banker ( XXXX XXXX ) and a penalty to XXXX XXXX of {$15.00}. I am still in process of paying this loan off at the said monthly rate. I will have to pay these people until XX/XX/XXXX in order to pay off this debt.This is loansharking at it 's most despicable level in my opinion. I may not be able to get help with this but I wanted your agency to know about this type practice which is prevalent in lower socio-economic communities. XXXX XXXX is another and there are others. Regular banks will not lend money to less affluent people but they finance these loan sharks. The poor people need help. I need help. Please do what you can for us. Thank you. My loan number is XXXX.
05/06/2021	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 94947	Web	Older American
got a loan from loanme in XXXX., of XXXX for {$6500.00}. Have been paying {$450.00} for over XXXX which equals out to over {$10000.00}. The company says that out of the {$450.00} only {$21.00} is towards principle and {$430.00} is interest/fees with the balance of {$7000.00}. HOW IS THAT POSSIBLE. SOMETHINGS ILLEGAL WITH THAT TRANSACTION.THAT MEANS THE INTEREST RATE ON THAT LOAN IS AROUND XXXX %. EXSCUSE ME BUT ISNT THAT ILLEGAL? I THOUGHT LOAN COMPANYS COULD ONLY CHARGE UP TO XXXX % OR SO. TRIED CONTACTIG LOANME, THEY SAID THEY CANT FIND THE SPECIFIC PAPERWORK SURROUNDING THIS LOAN, BUT MAKE SURE YOU KEEP PAYING ON THE LOAN. AT THOSE RATES THIS LOAN WONT EVER GET PAID. I MEAN WHERE HAS THE {$430.00} BEEN GOING? WHY IS ONLY {$21.00} TOWARDS PRINCIPLE? WHY IS THE LOAN MORE THAN I BORROWED? WHERE HAS THE {$10000.00} GONE THAT HAS BEEN TAKEN DIRECTLY OUT OF XXXX?
12/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 95621	Web
Back in XX/XX/2018 my checking account was hacked which resulted in me missing a couple payments. When I got a new checking account number I tried to explain it to the company but they told me that they could not help me unless I paid the entire past due balance or paid the entire loan amount. Of course that was not possible. Now my friends, family, and old job sites are getting phone calls looking for me and threatening to garnish my wages. They called someone today, XX/XX/18, and told them they were going to garnish my wages if I didnt call back. They also stated that they sent numerous letters and made several phone call attempts to me without success. Unfortunately this is not true. I have never received a call from this company nor have I ever received mail from them. I need assistance to get them to stop calling people I know and my previous employer.
07/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89052	Web
A debt on my consumer report from a company called LoanMe which further looking at my consumer report has been sold to a company called XXXX XXXX XXXX. This debt is a result of identity theft and I have submitted my police report and ftc.gov report to XXXX and LoanMe. The loan application does not have my handwritten signature on the application which is attached. It was an online application done AFTER my laptop was stolen from my car and a police report was taken ( attached ). XXXX is the CRA the company is using to report. Each dispute comes back " verified ''. It has been SEVERAL YEARS reporting and disputing. I realize, maybe that I'm not including this other company who now owns the debt XXXX XXXX XXXX XXXX ) ; so, I'm including them here. I am attaching all of my documentation here. I've tried fixing this issue and nothing has been resolved.
09/13/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA XXXXX	Web
This company I took at XXXX loan with and I have paid them back XXXX starting in XXXX. They said I had a payment that did not go thru and I requested the information with no response from them and then they reported 30days late dinging my credit. I also already res submitted. This is not even an installment loan this is loan shark loan. I asked them for statement and they did not respond nor have they ever sent me a statement. and pay off and they never responded to that either. The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX they are just stealing money and ruining credit. I have filed complaint /dispute with XXXX as well. I belive this is XXXX going by a different name
08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92629	Web	Servicemember
We want to direct your attention to a letter addressed to : XXXX XXXX XXXX XXXX On behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD.XXXX Notes : Whom have filed a false claim on my credit report and have failed to provide evidence to what happened with a {$2000.00} deposit submitted in confidence since XX/XX/2012??? Falsely claiming I owe {$2400.00}, without an accounting of the deposit, this is a false claim currently driving my FICO score into the ground preventing me from attaining a VA home loan and funding for my businesses! They have " NO '' claim, we demand this claim be removed from my credit report and can be verified by my attorney " See contact info for my attorney '' below! Our Litigation Attorney Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ca.XXXX Tel ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX
12/10/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 94579	Web	Older American
I was frauded by a man named XXXX XXXX who went to the XXXX. He was supposedly robbed and his daughter had a XXXX XXXX. I paid for the surgery for her. Then I had to take out XXXX loans because he passed a false check that cost me around {$2000.00}. So I consolidated my loans with a good company named XXXX. One company " Loan Me '' hassled me about payments even though they knew I was consolidating the loans. They called me at XXXX in the morning and left me several messages about XXXX times last Sunday. They threatened me with the Credit Bureau and laughed at me on the phone. They also said that I could n't get anywhere because I would have a negative on my Credit. As a senior citizen I was forced to pay {$300.00} with the late charges added to the {$290.00} and called me a XXXX. This company needs to be reprimanded for their practices.
04/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92881	Web
Loan Me continues to harass me via phone before XXXX almost on a daily basis. They call from various phone numbers and they have also started contacting my ex husband for information. I never allowed them to contact him or even contact me at my job. They call from XXXX and XXXX usually before XXXX. They continue to harass me almost XXXX times in a day. I have tried to communicate with them via email and phone, trying to work out other payment options and they will not help me. They also served paperwork to my job regarding a potential judgement againest me and it was not sent in a privacy envelope, I was given the information in a interoffice envelope that someone in HR saw all my info regarding the judgement. I could be fired for this. And they have also called my employer several times even though I asked them to cease and assist.
09/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 956XX	Web	Servicemember
I took out a loan with LoanMe in 2018 for XXXX or XXXX XXXX dollars - i can't remember now, was paying XXXX a month to them and started struggling to make the payment and did default on making the payments after 2 years. I did initially contacted them and they lowered it for a few months, but when it went back to to the XXXX i stopped making the payments. I guess they reached out via email/mail but i do not recall getting anything. My complaint is that they are now calling family members and have probably called my work place too ( i haven't heard anything from them yet ) I don't even know how they got family members phone numbers and they are going to put a lien on my house they said. I will be trying to get the money together for the amount they said they would settle for XXXX dollars. I just don't want them calling anyone else.
05/02/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	WI 53589	Web
On XXXX / XXXX / XXXX my husband applied for and got a payday loan through Loanme.com. When my husband applied he specified that payments would be made available to the company on the XXXX of every month in the amount of XXXX . On XXXX XXXX XXXX a withdrawal was made from our account in the amount of XXXX . My husband and I do not receive our social security checks until the XXXX of every month so therefore there was no money in the bank and it left our checking account w a negative balance of over three hundred d ollars. I contacted the company about their mistake. They claimed that they were entitled to the amount on the XXXX of every month, not the XXXX . I asked loanme to return the money to our checking account plus reimbursement for the overdraft fee. They refused. Can you please help us?
08/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92604	Web
XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card. They left out the last conversation I had with them and lied about our last conversation. The line was recorded and I remand you ask LoanMe for a recording of our last conversation where they would not accept my payment due to their inability to process the payment with my bank.
09/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 94541	Web
Loan issued by XXXX XX/XX/XXXX for {$5000.00} USD, payment plan of {$490.00} per month starting XX/XX/XXXX. Paid to date {$11000.00} with an balance of over {$27000.00} to date. Excessive interest rate well over 200 %, this company is exploiting low credit score & Poor American people in these outrageous over the interest rates. I have been struggling repaying this loan back and they have been paid over 100 % to date. I seen an news report on my local TV station XXXX XXXX in XXXX XXXX XXXX XXXX about companies like this. Our current rental market is beyond ridiculous and to struggle to pay this loan will be the death of me. Loan currently has an XX/XX/XXXX payoff date. At this rate I still have a balance of {$27000.00} ( breakdown 56 months at {$490.00} ) this should be an illegal practice. Can you please help me?
07/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90813	Web
When the loan was originated, I was never provided the required California Electronic Consent forms. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online. If you want the option of sending and receiving real estate transaction documents by e-mail, federal law requires certain safeguards to ensure that consumers like you have the capability to receive such disclosures and are fully aware of the consequences of agreeing to receive documents electronically. Federal law requires your consent to use e-mail and electronic versions of information, disclosures, contracts and other documents and records ( electronic documents ) that would otherwise be legally effective only if provided to you in a printed/written paper document.
01/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 199XX	Web
On XX/XX/2018 I had an installment loan show up on my credit report from XXXX XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
01/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 199XX	Web
On XX/XX/2018 I had an installment loan show up on my credit report from XXXX XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
12/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	DE 19702	Web
On XX/XX/XXXX, I was contacted by LoanMe with an opportunity to defer my next payment due to XX/XX/XXXX. I signed the agreement, completed all requirements and received confirmation that the agreement was accepted. After reviewing my credit reports, I see that LoanMe is currently reporting the account as 90 days past due although LoanMe has not owned the loan since XX/XX/XXXX. LoanMe also reported to XXXX that the account was past due in XX/XX/XXXX, which was not possible based on the attached signed agreement. Copies of the reporting to XXXX are also attached. Over the two years that I consistently paid this account, I paid over {$2400.00} dollars into this {$2600.00} loan only to have the principal decrease by about {$100.00}. LoanMe no longer owns this loan, but the affects continue to haunt me.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93551	Web
On XX/XX/2021, I applied for a Small Business loan with Loanme for XXXX XXXX XXXX XXXX. This loan was used to pay off another Business loan. When I signed the contract on the XX/XX/2021, it was for a small business loan and the loan number was XXXX and the interest rate was 104 % on the small business loan I signed. The following day XXXXXXXX of XXXXXXXX, I received an amortization schedule with a higher interest rate of 115 % and it was listed as a personal loan with my name only not as a small business loan. The loan number was the same but described as " Application ID '' on the amortization schedule. I found out recently Loanme put this loan on my credit report as a personal loan with a different loan number. There are many discrepancies with what I signed and what was shown on my credit report.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90029	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that XXXX XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX XXXX XXXX is reporting inaccurate information on LOANME INC. This was purchased by another lender, so why is it acquiring late fees? I tried contacting the XXXXXXXX XXXX XXXX requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/19/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA XXXXX	Web
None of the options related to my situation but it is an illegal communication tactic that I wish to report. I am reporting an abusive, deceptive, and unfair debt collection tactic practiced by XXXX XXXX. According to what I have read and understand under The Fair Debt Collection Practices Act Debt Collectors can not contact you through your work email. On XX/XX/2018 this is what I received in my Real Estate work email. See below. I feel this to be deceptive and harassment. From : XXXX XXXX XXXX Email : XXXX Home Phone : XXXX-XXXX-XXXX BuyerSeller Just Looking Doesn't want mortgage pre-approval Not working with an agent About This Contact Interested In : All Types 0 bd, 0 baths Contact Profile : BuyerSeller Just Looking Doesn't need mortgage pre-approval Not working with an agent
04/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92126	Web	Servicemember
I was going to be evicted from my apartment after falling into hard times with financials, this was the only institution that would take a loan out with me ( {$2500.00} ) during this time because of my credit ; however, I was unaware of the interest rate of 139 % that would take effect. This occurrence was in XX/XX/XXXX and for almost two years I have been unable to contact them to rectify or get this situation taken care of. It is a drain on my bank account leaving me unable to save for my future or for absolutely anything with payments of {$290.00} a month. With not a dent in the principle of the loan after almost 24 months. On top of all of that reopening a loan for a different amount with a new account number all different credentials without my knowledge or prior approval.
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	WA 984XX	Web
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/26/2018	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 959XX	Web
i have a personel loan with a company based out of texas called XXXX XXXX and have had some difficulty paying the loan back .they have recently started calling my father asking him to remind me to call them. the issue is that i never gave them any of my fathers info or any family members phone numbers. how did they get this info and what a terrible thing to have your father call you XXXX out that you are in financial trouble .what can i do i have no way of paying this back right now they actully told me today they wont call him but they have ways of tracking and fishing up information on all my family and that they sudjested borrowing the money to pay them back or go to the local pawn broker and evaluate what i can look at to raise the money.
04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	IL 60657	Web
XXXX from XXXX XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact XXXX owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with XXXX, her employer. The phone number she gave was XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.
04/17/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84118	Web	Servicemember
I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to LoanMe. LoanMe was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.
10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 94954	Web
They send multiple emails a day with different information even after i contact them and tell them i will get back to them at work. Contacted me at my place of work even after i asked them not to, and on one instance even refused to let me get off the phone, instead asking me " what kind of person i was, '' to ignore a debt. I did not ignore the debt, i asked them to contact me at a later time and that i was working. THey were persistent and rude. Now, they still call me multiple times a day. I 've explained the situation and that i am trying to pay them, to no avail. They still call multiple times a day and send conflicting email messages. It is disconcerting and makes me not trust them.They 're collection practices constitue harassment.
04/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28104	Web
In XX/XX/2018 {$75000.00} were borrowed from LoanMe and a bank draft was started in the amount of {$2400.00} for the passed twenty-five months. Thus far {$62000.00} has been paid and we called to find out our payoff amount and was told the payoff amount that we owe now is {$72000.00}. We did not expect these loan shark tactics and tried to reason with them. We believe it to be unfair after twenty-five months to have paid {$62000.00} and still owe {$72000.00}. The payoff amount is {$76000.00} seems to be illegal. This is putting an hardship on our family ; especially during this COVID-19 pandemic! We were told these people are very strong with powerful lawyers and will take everything we own. Can anyone help us? Thank you for your time.
08/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33178	Web
I took a loan with loanme.com in XX/XX/2021 ( Acct # XXXX ). I began having issues with paying the loan in XXXX of XXXX and removed auto-pay from my account. I contacted loanme.com to see if they can help me get back on track. They agreed to lower the bi-weekly payments by half and agreed only if I set auto-pay back up. I did that and was able to afford my payments, but now in XXXX they reverted back to the original payment and I am about to get overdrawn again on my checking account. There was no warning and they just changed the payment without authorization. I've spoken to some people who have stated that the loan interest rate is illegal in FL as well and that FL law requires that they offer me a payment plan if I am unable to pay.
06/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 24540	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NM 87114	Web
I had a loan with Loan me, i have consolidated my debt with XXXX XXXX, I am a client and they are taking care of mu outstanding debt. I have spoken to the company 2 different times, telling them that I have gone with debt consolidation to take care of the debt owed. Today, XXXX from XXXX XXXX called, my ex husband, all of my XXXX of my children, I don't know how in the world they got their phone numbers/saying they had filed a civil law suit on me. Then when I called him back, he tried to deny saying he had left the civil lawsuit with my ex husband. Totally unacceptable, my debt consolidation is not the concern of my ex husband or my children. He also called on of my friends with the same message. This is totally unacceptable.
09/04/2015	Yes	Payday loan	Can't stop charges to bank account	SC 29710	Web
I took out a loan from this company, just after I took out this loan I was displaced from my job of 6 years, I was trying to do the right thing and notify this company of my displacement. I told them would like to set up payment plan until I get back to work I also told them I had to close my checking account the money wo n't be there do not debit my account they debited my account anywaysThen charged me XXXX on my account, the rep or supervisor refused to work with me telling me I had to pay the regular payment told them I do not have the money or resources at this time they told me nothing they can do, this company refuses to work with meOr set me up on any repayment plan which would allow me an opportunity to repay the loan
03/17/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
Got a loan with loanme.com in XX/XX/2019 for the amount of {$3100.00} dollar term length of 47 months. Payments of XXXX dollars and I had made 22 payments which is north of {$7500.00}. I now have a charge off of {$2900.00} which is now north of XXXX for a {$3100.00} loan. Each payment for {$350.00} paid $ XXXX dollars to principle and rest to predatory interest rate. Loanme is located in California which is reside. They are far past the legal limit of XXXX usury laws and its unacceptable I paid that much interest for a loan it was predatory and I wasnt made aware of such a steep interest rate. I should be reimbursed for what I over paid as well as the negatives removed from my consumer report under 15 usc 1581a. Section 1 & 2
06/11/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 90062	Web
i lost my job in XX/XX/XXXX when i stopped paying XXXX XXXX before that happened i was always on time with my payments when i lost my job i spoke with XXXX XXXX and they refused to work with me and i told them i have no way to pay them so long story short the original loan was for i believe {$2500.00} and now they are saying because i have defaulted that now i owe them $ XXXX and i just started working and they are saying they have the right to garnish my entire check no court order required, they are no help and do not want to work with me i know i owe them money but they have to understand i did not have a job and if i could pay it off all at once i would have already because they are the worse company to work with ever.
03/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91770	Web
ON XX/XX/XXXX a loan of {$10000.00} was approved by Loanme. ON XX/XX/XXXX a payment of {$500.00} was made.Subseqently monthly payments of $ XXXX were made without interruptions for 49 months until XX/XX/XXXX when I could no longer pay. Along the way repeated attempts to find out the payoff amounts were stonewalled, until3 XX/XX/XXXX when I was told to my shock that I still owed them {$10000.00} at which point I knew I could no longer continue paying them. Besides the pandemic eliminated any means of me meeting the bottomless obligation. The company was relentless in making harassing texts and phone calls besides threatening impending legal action.I need much needed help .from your agency to help me get out of this stress.
01/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92648	Web
On XX/XX/XXXX I tested positive for XXXX. I was placed on administrative leave from our office and didnt work. Ive been out of work since then. When I returned to work on XXXX XXXX I was told that my position with the company was limited and cut back and was laid off that day. Ive since called and spoken to Loan Me which ( XXXX ) XXXX account managers and they wont place any payment on the backend of my loan or offer any payment assistance since I havent been able to work since XXXX. The last supervisor I spoke to XXXX advised me that I would have to fall behind 30 days before any assistance can be given. This is going to negatively impact my employment since I am a licensed loan officer. I need Help on this matter.
09/22/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 94550	Web
" XXXX XXXX '' XXXX XXXX is calling my friends, family, employer and extended family telling them they are trying to locate me regarding a lawsuit. I called and spoke with XXXX, she claims it's not them calling but a 3rd party location processor hired by the State Of California. They said I have a case # XXXX from LoanMe.com which they now own and are trying to collect on. She refused to give me the company address or information. LoanMe had / has my current address, phone number and e-mail address. They were also notified in writing to only contact me not my family or employer. XXXX is harassing me by unnecessarily contacting people not involved and giving them inaccurate information about me and a lawsuit.
03/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60491	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019, XX/XX/2019XXXX XXXX XXXX Inquired on XX/XX/2019
05/30/2018	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	MO 657XX	Web
Today XX/XX/ XXXX XXXX from XXXX XXXX XXXX, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.
11/17/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA XXXXX	Web
Someone named " XXXX XXXX '' was calling my cell phone repeatedly. She then began to call my office phone repeatedly. She was harassing me, threatening to sue me, to call my payroll department, and cornered me into giving her a payment arrangement I knew I could not make. I explained to her I am a single mom, sole provider to my XXXX sons and she said I do not have a hardship. " More money more problems '' is what she said. She called me repeatedly since XXXX 2017. She called from various phone numbers. The original loan was from XXXX, who sold the debt to This company. This lady did n't tell me the name of their company. I only know it to be " XXXX '' as that is what shows up on my bank statement.
01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30013	Web
I have ran my XXXX report and found inaccuracy on my report from LoanMe Account # XXXX. I have written a letter to LoanMe on XX/XX/21 and XX/XX/21 to make the correction. They have not responded to the letter I send on XX/XX/21. They only responded to the second letter that was mail onXXXX with a reply that this loan has been paid in full. I have explained to the that it not reporting correctly. This account has been closed and paid in full. It keep showing up reporting different information. Copy of the last report is attached as proof of wrong reporting. attached is also a letter from loanme stating that this loan has been settled in full. LoanMe have not made the proper correction to my report.
01/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94565	Web
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
07/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91324	Web
since late XX/XX/2020, i have been disputing this fraudulent account through XXXX, each time the result comes out as " verified as accurate ''. i asked them more than once through the last 6 months to provide me with the methods they are verifying this debt. each time i get the message to contact the creditor. after all attempts to call the creditors i was asked to provide them with documents such as copies of SSN, DL and so on. this issue had took me long time and too much energy and has hurt my credit score. i even provided them with a copy of FTC report which i upload here too. please resolve this problem and prevent such unprofessional creditors from playing with people 's lives. thank you
07/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 98597	Web	Servicemember
I have contacted the ( XXXX XXXX ) a few times this year and I asked them if it was possible if I can lower the APR on the loan they said my loan is at it lowest ( 9.99 % ) I have never been late and every time I check my account online they state that they can not touch my account do to the fact that I'm currently on Active status in the military I opened my loan for {$42000.00} and my loan total of payments {$98000.00}. I have no problem paying off the loan that I took out just not at 9.99 % I currently am a homeowner and my loan is under 5 % for my house I never been late on a payment and really don't think its fair that they say they can't help me because I'm MILITARY on XXXX XXXX!
03/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91335	Web
I took out a loan with LoanME, INC. on XX/XX/XXXX2016 in the amount of $XXXX I did not have the necessary knowledge at the time to understand why I would be paying $XXXX in the long run. I cannot afford payments of $XXXX netherless 115% monthly. I tried to resolve my debt to lower interest but that has become impossible. They are taking advantage they hold a California licensing but its unfair how they abuse the interest to individuals like myself who are in need of instant cash but pay for it in the long run. This is unfair I feel is abusive , emotionally XXXX and leaving customers in more debt then when they got the loan. I heard they were XXXX before to which they were shut down.
01/19/2016	Yes	Payday loan	Charged bank acct wrong day or amt	CA 90019	Web
LoanMe is reporting erroneous late payments on my credit file and I would like them to update their information accordingly. I made payment arrangements for the end of XXXX, 2015, however there was a miscommunication and my bank account was not charged until 8 days later, on XXXX XXXX, LoanMe made an unauthorized charge to my bank account for twice the amount we had agreed to pay. It appears that LoanMe is penalizing me with late payments being reported to the credit reporting agencies every time I made a payment arrangement with them. Had they communicated to me that a payment arrangement would have resulted in a late payment I never would have agreed to the payment arrangement.
03/28/2020	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85251	Web
XXXX ( XXXX ) XXXX Is the number is the number that has been calling me and my wife repeatedly XX/XX/2020 XXXX message left indicating that me or my lawyer needs to call immediately, I called back and spoke to a man named XXXX. He said He was looking for a XXXX XXXX XXXX. I told him that was not me please take me off the list XX/XX/2020 XXXX Message left, I called back and spoke to a woman and again aske her to take me off the list XX/XX/2020 XXXX Same agency called my wife XX/XX/2020 XXXX called my wife XX/XX/2020 XXXX called my wife XX/XX/2020 XXXX XXXX called my wife XX/XX/XXXX XXXX I called them and l/m for XXXX to call me back to we can once and for all stop the harassment
08/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92335	Web	Older American
I took a loan out with a company for {$2500.00} in XX/XX/2016. I ended up on XXXX, XX/XX/2016 and couldnt pay any more. That company sold my loan to another company called XXXX XXXX XXXX, XXXX. I have tried to call this company on different occasions but just get a recording. I have paid and settled this loan with yet another company that XXXX XXXX sold my loan to for the amount of {$2600.00} in XX/XX/XXXX. Both of these two previous companies are on my credit Report and I have tried to disput this with experience credit reporting agencies and the original creditor and I keep getting the same results. They refuse to acknowledge that the loan has been paid and Report it natively.
04/08/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90815	Web
I have an installment loan with high interest rate ( 95 % ) with LoanMe. I have no problem with the interest per se, but with the manner in which they allot the payments to principal. For example, the with the XXXX payment of {$670.00}, nothing was credited towards principle. With the XXXX payment of {$840.00}, only {$1.00} went towards the principle. This trend continues until the XXXX payment {$770.00} goes towards the principle. Is this legal. At this rate, I accrue about $ XXXX/mo on interest. Can you help me? Is the legal? This topic is very difficult to research. Their NMLS # is XXXX or XXXX XXXX # XXXX. /They are based in XXXX XXXX Ca. XXXX. Their phone no. is XXXX.
09/15/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92392	Web	Servicemember
I am constantly being harassed by XXXX XXXX he constantly states that he is a compliance officer for XXXX XXXX XXXX and he is filing a case against me, he reaches out to my family and threatens to call my employer but never tells me any information when I speak to him he constantly tells my family that he is going to come to there house and look for me. He doesnt state who he represents but he leaves a number for me to call with a case number that leads me to a woman stating she is my case worker for my loan with loan me and she is filing against me in XXXX XXXX court 2 allegations. They dont tell me what company they are they just tell me they are representing Loan Me.
04/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA XXXXX	Web
Loan Me offered a business loan to my company XXXX XXXX XXXX and never told me that they were adding this loan to my personal credit, putting me as a co-signer. They lied to me, they also lied saying that I only needed to make 4 payments and then they were going to give me better terms, they were going to restructure the loan, I just needed to establish a " relationship '' with the company. It has been more than 4 payments and they have not readjusted the terms which are outrageous and predatory. With a 94 % interest rate, to pay over 10 years at a $ XXXX monthly payment. From a {$9000.00} loan, I will end up paying {$84000.00}. They lied and scammed me into this loan.
05/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92126	Web	Older American, Servicemember
I had a loan of {$3000.00}, from the company name Loan Me XXXX XXXX. XXXX XXXX XXXX, CA XXXX was discharged on or about XX/XX/XXXX on my Bankruptcy XXXX XXXX case. On or about XX/XX/XXXX, Loan Me company opened up new loan in the amount of {$3000.00}, for my wife and myself. This above mentioned loan were never open and applied in my name and my wife. On or about XX/XX/XXXX, Loan Me company billing statement stating that we owed a past due in the amount of {$15000.00}. On or about XX/XX/XXXX, Loan Me company stated that we owed them a payoff in the amount of {$16000.00}. The above loan amount must never be in our name and must never be subjected for collection.
05/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92880	Web
i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars. they constantly call me even after i have asked them not to. XXXX XXXX
04/13/2022	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 92841	Web
I paid this account in XXXX in full Acct # XXXX. I spoke with a customer representative stating they would send out a paid in full letter and remove account from my credit report. I received a paid in full letter dated XX/XX/XXXX. I just checked my credit report today XX/XX/XXXX. The information report : Date Last Active XX/XX/XXXX Date of last Payment XX/XX/XXXX Balance : {$990.00} Last Reported : XX/XX/XXXX This Company over the last 2 years has reported incorrect information on my XXXX Credit Report. I have made complaints on this company in the past. All information in this complaint is drastically incorrect. I would like this account deleted from my report.
06/02/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92399	Web
I took out an online loan in the amount of {$5400.00} on XXXX/XXXX/2015. I have since paid a total of $ XXXX-with monthly payments of {$490.00} ( and XXXX still due ). When speaking to the rep on the phone I was advised the interest rate was 110 %. In later review of the loan docs I am finding that is an annual percentage and the total amount paid back ends up to be {$42000.00}, this is obviously not what I thought I was in for. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if anymore than the principal balance is legally due. I can not pay $ XXXX and not sure how to proceed.
01/18/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90302	Web
I am writing to complain about the collection practices of a debt collection company hired by XXXX XXXX. The company claimed to be called XXXX. The representative " XXXX '' threatened me and said if I did n't give her over {$4000.00}, which is more than what I owe, right away she would take it out of my check and it would be no less than {$15000.00}. She also called my job, and 2 relatives and told them there was a case out against me and I would be going to jail if they did n't tell her where I was. Her phone call was beyond threatening. I worked out a payment plan with XXXX XXXX and they were n't willing to accept it so they are threatening me and my family.
09/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70126	Web	Servicemember
My previous company was issued a merchant cash advance by Loanme in 2016. The company was liquidated in a chapter XXXX bankruptcy. I recently discovered that Loanme is reporting the advance on my personal credit report as a write off. The problem is, I never signed a personal guarantee, and would not have signed a personal guarantee for a merchant advance. Therefore I am not personally responsible for this debt. I received a copy of the contract from Loanme, and it clearly has no signature in the personal guarantee section. When disputed with Loanme, their response was that since it is allegedly an electronic signature, it won't show up on the contract.
12/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93033	Web
When apply for the loan I knew they were high interest rates however when speaking to the employee by the name of XXXX he didnt explain to me of really high interest rates 100-179 % interest rates. From what was explained to me on the last two days from customer reps and supervisors Ill be owing {$18000.00} for a {$2600.00} loan. They always say we recommend to pay As soon as possible not everyone is made of money. Being new to ever receive a loan like this I was not very knowledgeable but as a company and its honesty to its customers. They are scammers they mislead and they are shark loan. They XXXX so many ppl over. Please please anyone beware.
09/13/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	SC 294XX	Web
On XXXX I borrowed XXXX The loan carries an interest rate of 139 % and an APR of 139 % even though the loan is XXXX it is XXXX credit cost but if it 's paid monthly throughout contract, payout will be XXXX. I have borrowed from this company on 2 other occasions fortunately paid it of within a few months. My husband lose his job at the failed XXXX XXXXXXXX in SC along with XXXX other employees.I am wondering how companies are allowed to charge such outrageous interest rate There other pay day loans I am dealing with and have dealt with such as 1- The XXXX XXXXXXXX 2- XXXX XXXX 3-XXXX, They all are outrageousluck over rated. Thank You XXXX XXXX I
07/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93003	Web
I have requested validation of this account beginning XX/XX/2021 with a follow up on XX/XX/2021. I have not received any response. Ive enclosed both letters as well as a copy of the credit bureau report to show other issues with this alleged account. 1 ) This account was never verified by me- comments say dispute resolved 2 ) Comments state that this account was sold to XXXX XXXX XXXX- which in that case, this should not be reporting as a derogatory account that has incomplete and inaccurate information. 3 ) I was never informed of this account to have any opportunity to dispute or valid it prior to them reporting this on my credit reports.
03/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94521	Web	Older American
Took a loan for {$3100.00}, 1st payment XX/XX/XXXX. Automatic draft. Paid on time {$350.00}. Paid 9 months. I checked balance of loan 9mos later, XX/XX/XXXX and was was +-XXXX higher and said pmt was late -NEVER ... WAS ON AUTO DRAFT SINCE 1st pmt. THEYRE EITHIR INCOMPETENT IN BOOKKEEPING OR INTENTIONALLY GOUGING CONSUMERS. I RESEARCHED SCAM REPORT WEBSITE _ THEY HAVE NUMEROUS OTHER SIMILAR COMPLAINTS. These type of outfits need to be SHUT DOWN ASAP to protect the public! I have documentation. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell/Text : XXXX XXXX Count the payments already made {$350.00} times 8 Mos pmts against the principal.
07/30/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75602	Web
On the XXXX of XXXX I Revoked my permission to deduct payments from my bank account and requested that all EFTs and debits be stopped from my bank account and I provided all required information in my request per my loan agreement. I then received an email a couple of days later after going back and forth with them ( because I know my rights ) and they stated that my request has been completed. All of a sudden, a payment was deducted from my already negative bank account today without My permission. I expect my loan and the unauthorized payment to be returned and my loan to be canceled as they have violated the terms of our loan agreement.
11/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web	Older American
I paid off the loan on XX/XX/2019 and then on XX/XX/2019 an additional payment was deducted from my deposit account. When I called, the individual I spoke with seemed confused. The lender appears to use simple interest as when I opted to pay off the loan it showed figures for both outstanding principal and accrued, unpaid interest. The additional payment appears to be primarily for interest however I am not certain. In reviewing the loan agreement I noticed the calculate interest using a 360/360 basis which is highly unusual for any loan that is not a mortgage and I have never seen used in consumer loans which have a daily interest amount.
02/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92630	Web
I have a loan with loanMe which form the start was set up on auto draft ACH. they stopped drafting it and I was un aware. They then gave me a modification and again set me up on auto draft. then 2 month later the same thing happened causing late fees and damaging my credit and harassing phone calls to people I never listed on the application making it very embarrassing. the loan was then modified again setting up AUTO DRAFT ACH AGAIN!!!! same thing the not taking the payments and continuing calls when it was set up right from the start and I clearly want action taken against them and justice to be serviced for their scam artist tactics.
05/21/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 90016	Web
I opened a loan with loanme me and originally had an issue with payments therefore i was offered a settlement, i made my payments on time and at the second to last month of my payments i was advised my loan was transfered to XXXXloanme branch. I was advised the branch did not have the updated terms of my loan but that i could pay the balance and would receive a close out notice. There is a new loan open under my name that I did not my payment was accepted and I never received a close out notice. Customer service reps transfer me around whenever i am able to get in contact i am concerned a false loan will be placed on my credit.
11/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92277	Web	Older American
Loan Me took advantage of me at a difficult time in my life -- my husband had just died and I was frantically looking for a way to lower my expenses. They have since changed to XXXX. They are charging me 22.6 % on a 15 year loan on {$52000.00}. My dollar amount the credit will cost me is {$130000.00}. They are charging me a prepaid finance charge of {$17000.00}. As of my 26th payment, I still owe {$67000.00}. This just seems criminal to me. Can they do this legally? In addition, I'm not allowed to schedule an automatic payment from my bank to them. They just take it out of my bank account. I'm just a little scared of them.
06/24/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	WI 53222	Web
This is tied to complaint : XXXX and XXXX The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. This company wrong presented a paid debt settled with LoanMe as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from LoanMe was disconnected ( according to the LoanMe rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of XXXX. Lies.
08/10/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95355	Web	Older American
within the last 2 months from todays date of X/X/2017 : I have asked XXXX ( XXXX : XXXX ) I think this is there website, a collection agency hired ( so they say ) by XXXX ( XXXX ), to whom the original loan was from, to stop calling my place of work. They have harass and threaten to sue me for fraud even though I have said for them to take those actions, just stop calling me. They have repeated phone my place of work when i have told them to stop such actions. Have called extended family to discuss my situations. There phone number is usually an XXXX or XXXX number and say they are XXXX XXXX. The most recent is XXXX
09/20/2022	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	CA 92557	Web
I recently reviewed my credit profile and noticed inaccuracies. According to the Fair Credit Reporting Act, Section611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE ALL information that is inaccurate, or which can not be verified. I request you provide proof of this account being late. This account was paid in full and was paid off. Please provide a detailed description on all procedures used in your process to determine complete accuracy of information provided The following derogatory accounts are untrue and incorrect. I am demanding that this account be updated to be paid as agreed never late
12/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93010	Web
We borrowed about {$10000.00} from LoanMe. They said we could pay it back early, but I knew it would take a long time. I did not realize that if we kept it for the full term of about 7 years that we would be making payment of over {$70000.00}. That seems illegal under Usury Protection laws if there are any Federal or State Laws left that cover this situation that probably XXXX of other good Californian 's got themselves. Is there any way for regulators to stop this type of irresponsible lending by LoanMe and now others who are engaging in these unrealistic loans that probably will not be paid off? XXXX XXXX.
12/26/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95758	Web
I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX un the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.
04/18/2016	Yes	Payday loan	Can't contact lender	SC 29720	Web
I received a loan from LoanMe of {$3000.00} they took out {$490.00} the first month and {$360.00} the second month ( XX/XX/2016 ). I contacted them to let them know that I would like for them to lower my payments because I am experiencing financial difficulties, they have refused to work with me. I was told that they will not accept my comprise and wants me to pay back this loan. It 's their way or no way at all. I suggested lowing the payment, I was told that was not acceptable. They have refused any payments I have suggested and tried to make because it was not the {$360.00} they wanted.
11/06/2015	Yes	Payday loan	Can't contact lender	SC 29229	Web	Servicemember
I took out a loan with Loanme in XXXX, the payments were coming out of my bank account automatically. I stopped that process in XXXX because i was experiencing hardship. The company agreed to me paying XXXX dollars for 3 months, which is XXXX. I continued making payments to the company, but they started harassing me, calling my phone 5 days a week, XXXX time a day for all types of reasons. I asked over again for them to stop calling, but to no avail. i even had a customer representative tell me she was not going to stop calling. This behavior of the company has caused me a lot of stress.
08/24/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91326	Web
I took out a personal loan with Loan Me, and after I got sick with XXXX I couldnt work anymore or pay any of my debts. So Loan Me transferred my debt to XXXX XXXX XXXX, this company calls me XXXX times a day or more. And last week they called & text : My Father / My Sister / My XXXX XXXX XXXX daughter & My Ex-Husband!!! In the text messages they disclosed how much I owe them and they also tried to negotiate down the debt so they could probably pay it off for me. This was very embarrassing and Ive been very depressed!! My sister is also mad at me & not talking to me over this!
02/15/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 95020	Web
XXXX XXXX company contacts me multiple times a day from random caller ID numbers. They start at XXXX XXXX and call until XXXX every two hours sometimes back to back. XX/XX/XXXX they contacted my mother who lives in Illinois and spoke to her regarding this loan. On XX/XX/XXXX they called another family member in XXXX XXXX, Ca regarding the loan. In both instances I was called by family members regarding the loan. I contacted them via email to state I would like to settle the debt. This is my private business and I do not want my family members involved. As now I am humiliated.
09/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92833	Web
As of two weeks ago XXXX is threatening to garnish my wages. I told them as well as showed them photos that I was XXXX XXXX XXXX XXXX XXXX and have been in the hospital for two weeks now and that Ill be on XXXX for six weeks once I get released from hospital. I told them that if they were to garnish my wages I would not be able to pay for my prescriptions or for my place to live. They keep asking me if I could give them some form of payment no matter how many times I told them thats its impossible at the moment and they still kept asking me about some form of payment.
09/03/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 92374	Web
Received letter from LoanMe , Inc. offering a loan of up to {$10000.00} at an APR of 99-180 %. That does n't sound right to me. The XXXX gives this business an A+ so I 'm not sure if it 's criteria can be trusted either. Maybe I do n't understand what a fair installment loan is but 99-180 % APR just seems ridiculous. What makes matters worse is that I could use the money and can just imagine there are folks out there who may just be desperate enough to accept the terms. It just seems wrong that these loan offers can be sent to people when they just seem so unfair.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95240	Web	Servicemember
LoanMe has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX in XXXX CA at XXXX XXXX XXXX. Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.
08/19/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 95132	Web
Loanme, inc has taken advantage of my financial hardship and issued me a personal loan at 99.75 % apr .... On XX/XX/2015 they have charged off this account but have NOT notified me I kept paying my payments when I noticed them charging additional interest rate and late payments.. when I requested to see my payment history it showed that I had a CREDIT balance of {$1200.00} but their billing statement showed a balance due of {$1700.00}. I 'm including all the supporting documentations for this case and hope you will serve justice on this predatory loan practices.
01/24/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92129	Web
RE : LOANME. These predatory loans should be illegal. I borrowed {$10000.00} in XXXX XXXX making payments {$840.00} per month. In XXXX, XXXX my outstanding balance was XXXX. I paid over XXXX in interest and fees to borrow XXXX for 8 months? How is this legal in California? When I received a monthly statement, there was no information regarding my balance and how much of my payments are going to principal. Apparently XXXX of my payments went towards my principal and interest acccrued daily. This is a rip off and preys on people who are in a challenging time.
09/13/2021	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	ID 838XX	Web
I have contacted Loan me with no response. I made a payment on XX/XX/XXXX XXXXnd they are attempting to charge me {$600.00} in interest for 10 days ( last payment was 10 days ago ). This is over 1200 % interest. The loan is supposed to be 84 % interest which would have incurred a {$40.00} interest charge for 10 days. I have noticed that ALL payments are showing inconsistent interest charges. I have paid a total of {$2000.00} on this loan and due to the shady and inconsistent interest trying to be charged, I want this loan closed and showed paid in full.
02/23/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90004	Web
I 've been paying them for 13 mos. I owed them {$2500.00} they charge me for monthly of XXXX. I paid them total of XXXX. But XX/XX/XXXX I got laid off. Until now I do n't have work. But they keep on bugging me. How can I pay them but actually I Paid them the whole amount I owe with interest. But they said I have to pay them until XX/XX/XXXX. That is too much. And I do n't have work how can I pay them. They keep on calling me and sending me email. THey used different number on calling me and this is too much. The company name is XXXX ( payday loan )
08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92504	Web
Continues to call ALL day throughout the day from different area codes, different customer serv reps which always asks me the same questions over and over again, never updates my account, will not mail a copy or email my account, I have received numerous emails with incorrect information, can never speak to anyone in the collections dept, I have been left on hold to speak to a " supervisor '' and the list goes on. So, I stopped calling them to rectify my debt, I am truly sorry I ever did business with this company, I believe they are a scam.
08/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92604	Web
XX/XX/XXXX - LoanMe Flagged my Payment for 30 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - LoanMe Flagged my Payment for 60 Days past due. Loan me could not process my card. I called my bank and was told that they have no record on LoanMe trying to charge me and the account was not denying any charges XX/XX/XXXX - Called Loan Me and told them what had happened. Still was unable to charge my card.
03/07/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 92131	Web
On XX/XX/2017, I was notified by a company that was conducting a background check for pre-employment. The HR manager informed me that a third party responsible for doing their background checks found that my social security number and date of birth were also coming up under XXXX other individuals. They started that I needed to clear the mix up before moving forward. The names that appeared were provided to me and documentation was also sent. The names that appeared are as follows : 1. XXXX XXXX XXXX located in Louisiana 2. XXXX XXXX XXXX
11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90250	Web
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : LOANME INC XXXX Date Opened : XX/XX/20 Balance : {$0.00}
01/06/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92336	Web
XX/XX/XXXX I applied for a loan with loanme.com. Under distress I got this loan yet not fully understanding how the interest rate and payment would go. After making payments for a loan of {$2500.00} I was told in XX/XX/XXXX that I owed over {$6000.00}. It would take over 2 years to pay off. I do n't have that kind of money nor knowledge of how this would work. anyway the calls of been a lot. as of XXXX/XXXX/XXXX I received a bogus threatening email stating I was taken to court in XXXX. I called the XXXX court and they have nothing.
01/23/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 990XX	Web
A company called XXXX worked on raising capital for my XXXX ( XXXX ). They secured and authorized a {$56000.00} loan for my company through Loanme.com. Before the loan was funded to my corp bank account, XXXX withheld {$5000.00} from the loan and Loanme.com withheld an additional XXXX % totaling {$5600.00}. The loan I received was for {$45000.00} in XXXX 2015. What I know now, is that my monthly payment on this loan is XXXX a month for 10 years totaling {$520000.00} payback. That is over XXXX dollars on a loan I never initiated.
02/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 63301	Web	Servicemember
On Friday, XX/XX/XXXX at roughly XXXX, XXXX XXXX customer service agent XXXX XXXX XXXX did call my place of employment after the customer service department was instructed to not call any number other than my cell phone ( XXXX ). This was explicitly told to the customer service agent several weeks prior. I have recorded conversations with that individual as well as my conversation with XXXX XXXX. XXXX XXXX attempting to contact me at work has put my job in jeopardy as I'm not allowed to take personal calls on a work number.
02/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 930XX	Web
Yes I spoke with a rep at LOANME INC, he had a full XXXX name, definitely a broth told me that he would be deferring my loan payments for 90 days. This was in XX/XX/2019 which means my first payment would have been next month in XXXX. Yet my account has now gone to collections and it is destroying my credit score, this is illegal and predatory. Ive been out of work as I explained to the company rep and he was responsive and empathetic. Either way my credit is taking a malicious decline all due to their lack of integrity.
03/08/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 937XX	Web	Servicemember
I called XXXX XXXX in response to their constant emails to lower my interest amount ( 110 % APR ) The lady i spoke to asked if i was a military spouse - I responded yes. The customer service rep then tells me that she is unable to re-do my loan as i shouldn't have one under the law anyhow, and that it is a good thing, she recommended i speak to their customer service team. I called back and they tried to sell me a new loan at 80 % APR for another 80 months! I am a military spouse that just wants to know what is what here.
10/07/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94509	Web
I took out a loan with Loan Me.Com. at the time I took out the loan the payments were set for 4 years at {$350.00} per month automatic deduction from my bank account. When I called them to find out the payoff balance, the amount I was told was greater than the amount I originally borrowed. I have been paying on this loan for a year and have paid a total of {$3800.00}. They told me the payoff would be XXXX the interest rate is 135 %. I am wondering if companies can do this legally and what options do I have.
11/02/2020	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NM 87120	Web
I had a personal loan with Loan Me that was sold to XXXX XXXX XXXX as it had gone to collections. I settled the amount and made a one time payment to have the account closed. Loan Me and XXXX keep sending me back and forth both saying theyre not responsible for the actual credit report reporting and both companies decline to report it to the credit bureaus therefore my credit report is incorrect. Please see attached settlement letter confirming the payment was made and account closed. Please help.
02/23/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 94619	Web
I have taken this loan out couple years ago. Back in XXXX I have paid them off in a settlement. I just discovered it is on my credit so I have tried to contact them they are no longer available tried to email them not able to do that. So I have contacted the number it says to contact on XXXX which is XXXX when I have spoken with them they even says it shows Ive paid them off but I would have to contact them to have it removed and there isnt a way for me to get in contact with them I have tried.
09/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 94578	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
08/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92335	Web	Older American
XX/XX/XXXX I took a loan out with LOANME, XXXX amount for {$2500.00} and in XX/XX/XXXX I went on a XXXX leave from my job. I was unable to continue paying my loan. LOANME sold my loan to someone els. I have since paid off my loan to one of the other companies that brought the loan for {$2600.00} in XX/XX/XXXX. LOANME is still reporting to credit company that my loan is Nigitive and refuse to acknowledge in my credit report, are to the credit bureau that it has been settle and paid.
02/18/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 94520	Web
I applied online for a loan a year ago. The amount of the loan was {$2000.00}. I been paying this loan for almost a year. I pay $ XXXX monthly. I called the company to see how much was the balance of the loan. And they told me it was {$2000.00}, i asked how come is still the same balance if its been a year and they told me all this time I only been paying interest of the loan. And I only pay {$4.00} fo the loan balance and the rest of the money goes to interest. Please help.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60462	Web
I contacted credit bureaus and continue to get send proof of address and identification. That I did the credit bureau is not removing information from a collection agency XXXX XXXX is reporting XXXX days late on a collection account its not legal because I have never had an account with them. Another collection company is reporting to the credit bureaus and I havent had an account with them. I gave proof that they are also not legally to conduct business in my state.
06/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92336	Web
I requested a personal loan to Loan Me Company for XXXX, at the time that I requested I have a emergency and I needed the money right away, I was very desperate that at the moment I did n't think about how high was the loan interest, which 144 %, and now I struggling to make the payment on time, is hard for me now because besides this high interest and high payment loan I have another payments, and another basic expensive that sometimes I end without no money left.
04/07/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 91791	Web
On Loan me 's website it states get rates as low as 9.9 % APR 11.36 % but when I applied for a loan, I got the automatic deposit and my APR is 137 %!! I have made XXXX monthly payments and my loan amount has increased. I tried talking to a loan me specialist and they act like they are too busy to take my call. I walked into their XXXX location and the women I spoke with said she only works part time and can not help me. I have a photo of their online advertisement.
12/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web	Older American, Servicemember
I did not receive disclosure agreement until 10 months after funding. The interest rate on same is 99.75 %. I have called Loan me on several occasions to state that this rate is predatory and undisclosed to me at funding. I have also read all the legal findings by CFPB and the courts as to the activities of this company, its owners and all the related companies I have requested the rate be reduced to legal limits. I AM XXXX years old and XXXX XXXX XXXX XXXX XXXX.
03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78213	Web
My current XXXX credit report shows unauthorized and unrecognized inquiries from loanme/XXXX/XXXX. The inquiry was made on XX/XX/2020. I have sent written request with delivery confirmation on XX/XX/2020, requesting that this inquiry be removed immediately. It has not been removed as of today XX/XX/2020. This unauthorized/unrecognized inquiry is having a negative impact on my credit score/report and has already been cited as a reason why I have been denied credit.
03/24/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91730	Web	Older American
I received a bill for what appears as an open account-mortgage secure loan for a company called loanme. The transaction date is listed as XX/XX/XXXX in the amount of {$1100.00}. It also has a pas due payment amount of {$1600.00}. It also stated that the current payoff good until XX/XX/XXXX of {$1800.00}. Account number XXXX. I have not done any business with this company since bk XXXX. I do not have a mortgage and I do not know what they are talking about.
12/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 904XX	Web
I applied for a personal loan on XXXX and got the following offer : {$3100.00} loan Payment terms : 47 months at {$350.00} each That comes out to {$16000.00} My mind is blown! How are these companies allowed to exist? Regulations needs to be put in places to protect consumers. Of course I did not accept the loan and want to help protect others from companies like these. I have a screenshot to prove it. Thank you for investigating this! Cheers!
05/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92555	Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX Inquiry Date XX/XX/2016
07/24/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 94565	Web
I am approximately 1 week late on a loan from Loan Me and they have consistently called me at least 6 to 8 times per day since XXXX XXXX from various phone numbers. I have emailed their representative advising him that I lost my job and need some time to contact them by the end if next week to make a payment arrangement. These collection calls are very aggressive and predatory. I do not know how to stop them from calling my phone all day and night!!
11/14/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	ME 040XX	Web
Loanme.com solicited me for a business loan.I sent them bank statements and personal info as well as business info.I asked to borrow XXXX.They came back with an interst rate of 132 %. Not sure that is even legal.I specified that I was looking for a legit offer and not something predatory.I did not want to submit info if it was a waste of time.If I accepted the terms I would have to pay back XXXX.Really? What kind of outfit is doing business here?
05/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 231XX	Web
The loan is for {$6000.00} the interest rate is I believe over 139 % apr. I received my first statement and made my payment via my checking on time. It is a monthly payment of {$380.00}. I need clarification on the date and final payoff amount. I was having issues with not being employed due to XXXX XXXX and actually lost a member of my family. I feel as if I was being taken advantage of during a very emotional time. Any advice would be helpful.
04/10/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 91360	Web
I have told Loanme to stop communicating with me and they know I am represented by an attorney yet they continue to communicate directly with me. Once again I want this harassment to stop! They refuse to resolve/settle the matter and continue with sheer disregard for the California Fair Debt Collections Practices Act. No exception exists that they may contact me when I've asked them not to and when they know that I am represented by an attorney.
05/05/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90069	Web
XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) RE : ACCOUNT NUMBER XXXX To whom it may concern : I originated a loan for {$3000.00} with XXXX in XX/XX/XXXX. Since I have paid {$350.00} on every third of the month by direct debit. My question to you is, should I owe more money on this loan now than the amount borrowed? My monthly billing statement dated XX/XX/XXXX is attached. Thank you for your assistance. Sincerely, CONSUMER
06/25/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NM 87123	Web
XXXX XXXX XXXX bought my debt from loanme where I got the loan originally in XX/XX/2017. XXXX XXXX XXXX has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.
10/05/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 91311	Web
I sent this via email on XX/XX/XXXX RE : Loan ID : XXXX /Revocation of ACH Credit and Debit Authorization TO WHOM IT MAY CONCERN : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. Please confirm receipt of this revocation, and your intention to honor it, no later than ( Monday, XX/XX/XXXX ). Confirmation may be made via email at : XXXX XXXX XXXX
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53216	Web
I was in the market for a new home, and in a review if my credit report, I noticed that the status of an old paid off account has been reporting negatively with inaccurate information. I called the company and was advised that it will be fixed, as of XXXX the account is still reporting incorrectly. This account was paid off in XXXX XXXX XXXX, and my credit reports last activity XX/XX/XXXX, and that the account is 180 days late.
10/26/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90011	Web
Loan me sent a post card to my address with a 7.4 apr when I actually was approved for the loan the APR went up to 137.70 % and 135 % for the Interest. I am a struggling single the parent and can not afford to give LoanMe {$12000.00} for a {$3000.00} loan. I received this loan in XXXX of 2014 and have been paying consistently for the last year. Please look into this company because the percentage rate for their loans is illegal.
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44122	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer plan as late for any purpose.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AZ 85207	Web
I took out a personal loan from cc connect or loan me last year around XXXX and my credit report got a hard inquiry. I took out the loan to help with my credit and they said they report payments. They never reported one payment and i paid it off early and they never reported that. I called several times and they won't help me. All payments were on time and the loan was paid in full early. They just say file a complaint.
04/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23059	Web	Older American
LoanMe is deducting twice out my checking account under the LoanMe name and XXXX XXXXXXXX XXXX. I was behind and had no alternative but to take out a loan in XXXX but the rate was 165 %. That rate should not have been charged in XXXX. I am Constantly being called by collections to make XXXX month payment arrangements for large amounts I can not afford. I have already paid over {$3000.00} that they say is only interest.
04/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 48864	Web
I signed a promissory note in XXXX of XXXX, taking out a small {$3000.00} loan. I didnt understand what I was getting myself into, as no loan officer spoke with me. I am being charged XXXX % in interest. Finance charge of {$15000.00}, and again, no one explained to me this was the cost of credit. I signed a promissory note with no guidance from a loan officer and now the debt is in collections and hurting my credit.
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93703	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
03/15/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91201	Web
I am hearing horrible things about this company and do not want to be a victim of predtatory lending. I received a loan which wasnt even {$10000.00} and they want me to pay {$15000.00} by XX/XX/2018. This company is a scam and the looophes they work by hurt the consumer tremendously. Nobody should have to go through this. I hope this gets fixed so other people dont fall into these false advertisentments and scams
03/18/2022	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33021	Web
This company keeps repeatdly trying to contact me and I am not aware of who they are or any financial relationship I have with them. I asked them to stop calling me and cease all reporting activity as I am disputing this debt. I have sent the a certified letter but I have yet to recieve a response, but they continue to report negative false information that is hurting my credit report. Please help me, thank you.
06/25/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA XXXXX	Web	Servicemember
This account is paid in full. It is not charged off, and needs to reflect this. They contacted my employer and served papers at my employment. I called prior and told them i would pay off the loan and did just that. They were told not to contact my employer but did anyway. They sent mail after mail and had someone actually show up and act like I was a bad person saying I was late on my bills. Not acceptable.
02/13/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93436	Web	Older American, Servicemember
The super high percentage rate was not revealed until the end of the application process. The LoanMe Inc. is charging an interest rate of 135.00 % and an APR of 138.07 % with a term of 47 months. I really needed the money because I had XXXX. I 'm retired military and XXXX veteran and had no avenue to XXXX Insurance. I applied to several Finance companies but was rejected due to a less than perfect credit rating.
07/25/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 940XX	Web
I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. Is n't this usury? Should n't consumers be protected?
11/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92596	Web
I took out a loan with this company called Loanme and every month, right after 1 day of delinquency, they start calling my cell phone incessantly from spoofed or fake numbers. They are located in XXXX XXXX, but they call from fake numbers from all over the state. Their main number is XXXX XXXX, but they call from various fake numbers including the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92551	Web
1-This company called ( Loanme ) is involved in reporting erroneous information about me to XXXX at the status level where they write : Charge-Off. For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. I have attached proof of settlement and paid off on my complaint. 2-This company ( loanme ) is also reporting wrong address information about me.
10/27/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84020	Web
This caller is from LOAN Me, predatorily traces phone numbers to supposed family members or supposed relatives in order to find information about someone. Calls numbers many times a week and when blocked, still tries to repeatedly leave many voicemails. There is currently no way to block voicemails with my carrier and they disrupt my careful attention to important work calls and voicemails.
02/14/2022	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CA 90242	Web
I had called LoanMe around XXXX XXXX & I wanted to pay off my loan. They had told me it had got sent to a collections company. The number they had given me was XXXX. I had called them & paid off the amount of {$2900.00}. They had told me the this well be taken off my credit within the next month or so. Ive been checking my credit report & its still on there with a full balance as well.
05/07/2020	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90027	Web
I made a my XXXX payment to LoanMe on XX/XX/XXXX. The due date was XX/XX/XXXX. I have a confirmation of payment received. LoanMe has contacted me every day since XX/XX/XXXX multiple times a day to collect the payment. I have explained to multiple employees that the payment was already made and confirmed and I still continue to receive calls from them trying to collect the payment.
09/24/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91910	Web
XXXX XXXX XXXX. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.
07/24/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 93722	Web
XXXX XXXX AT PHONE XXXX X XXXX - XXXX XXXX HAS CALLED REPEATEDLY. HAVE CALLED AND HARRASSED FAMILY MEMBERS AND FRIENDS REPEATEDLY EVEN THOUGH THEY WERE TOLD THAT CALLING A THIRD PARTY AND LEAVING A MESSAGE WITH A THIRD PARTY TO CONTACT ME IS AGAINST THE LAW. THEY DID NOT CARE AND SAID THEY WILL CALL WHOMEVER IS ASSOCIATED WITH ME TO FIND MY WHEREABOUTS. THAT IS HARRASSMENT.
04/04/2017	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	CA 92223	Web
LoanMe has been sending me emails regarding my payment status, and claiming that I 'm calling them and to call Them back. However I have not called them regarding my loan nor have I emailed them. They continue to send me automated emails on how to make my payments and to call this number back as if I phoned them. It 's becoming annoying and it 's false communication tatctis
07/31/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 90047	Web
From my knowledge there was a payday loan given in my name. However, I did not apply for this loan. I am a victim of identity theft. This was done sometime in XXXX of 2015. I am now being served and received documents of garnishment of my wages of {$5000.00}. Everyone I speak with is very rude and I dont know how to truly rectify this. I have contacted the fbi as well.
01/04/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 945XX	Web
I got a {$3000.00} on XX/XX/2018 loan from which they make me paid XXXX dollars the following month. Then {$350.00} every month after that, they told me that the loan interest was 35 %, so I call because its been already XXXX since I got the loan. And now the interest its been change!!! They want me to pay {$16000.00} I complained but they are not willing to help me.
03/07/2017	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	CA 95125	Web
The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).
02/18/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 91605	Web
Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!
11/19/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 94806	Web
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name LOANME XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months
02/13/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 91107	Web
Offered XXXX loan, after paying XXXX over a four month period was told I had contributed XXXX dollars to the principal and now I owe over XXXX. Loanme.com I was told the finance charges accumulate every day and that the payments alternate one month you only pay interest one month you pay interest plus a dollar towards the principal amount the interest is about 95 %.
11/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA 95632	Web
Original loan amount was for {$2600.00}. I've been paying {$290.00} every month on this loan for a year and I still owe {$2500.00}! Over {$3000.00} already paid. When I inquire about paying the loan off in two weeks, it will be over {$3000.00} according to them, to make a one time payment to pay off the loan. These types of practices have to stop. Loan ID : XXXX
03/27/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 641XX	Web	Servicemember
On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91360	Web
I was checking my Credit Report and noticed XXXX XXXX XXXX on my Credit Report. I do not recall at any time applying with this company. I am requesting that this is removed from my Credit Report or if XXXX XXXX believes they had permission please consider this my formal request for a copy of the credit application, which by law they have to maintain and provide.
11/25/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CA 94103	Web
This lender has called members of my family and friends in an attempt to contact me to collect a debt. This is illegal. I can not be reached by phone but can be reached via email and conventional postal delivery. Furthermore, they say that I have them listed as an " emergency contact '' so my friends and family immediately think something has happened to me.
07/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85286	Web	Older American
A couple of years ago, I took out a loan with www.loanme.com. The original amount was around {$10000.00}. There was an early dispute. That dispute was fully resolved more than 2 years ago. Therefore, a reference to a dispute on my credit report is simply wrong. But the Company is still reporting that the item is in dispute, which is doing me serious harm.
03/08/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 92802	Web
Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 902XX	Web
This account was paid off and closed in XX/XX/2015. It is reporting incorrectly on the credit report. This account is reporting other facts incorrectly and the company nor the credit reporting company will fix it correctly. This was a loan to a corporation and did require/contain a personal guarantee. LOANME IS A PREDATORY LENDER & NEEDS TO BE SHUT DOWN!
08/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	HI 96732	Web
Borrowed through XXXX XXXX XXXX XXXX in New York and they promised us a Loan that we did not receive instead we were referred to A Partner Called Loan me who scammed us over the phone for a non disclosed loan of 104 % interest rate that we had no idea about. We were tricked and lied to and scammed into signing on line. It was definitely an internet scam.
03/28/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	MO 641XX	Web	Servicemember
On XX/XX/2018, XXXX XXXX with XXXX XXXX XXXX contacted my boss after I spoke with her and she confirmed that she had already confirmed my employment. She left a voicemail for my boss, and requested a call back in turn causing emotional distress to me. She had no reason to speak to my boss after speaking with me and confirming employment with my employer.
02/28/2017	Yes	Payday loan	Can't contact lender	DE 19720	Web
Lender is calling my job repeatedly will not stop harassing ... threatens to come to my job or home ... .is rude and nasty ... when I hung up on him he calls back repeatedly at my job ... .he calls different extensions at my office ... .I work at a XXXX for a XXXX ... .it is crazy I am fearful of loosing my job Called Loanme.com XXXX other number is XXXX
07/02/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	CA 95624	Web
This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.
09/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93704	Web
LOAN ME CLAIMED A LOAN WAS TAKEN OUT ONLINE IN XXXX XXXX NAME WHICH I'VE FILED A POLICE REPORT AND FTC COMPLIANT REGARDING THIS ACCOUNT. I HAVE EMAILED THE DOCUMENTS REQUESTED TO XXXX FIELDS OF LOAN ME AND XXXX WHO IS REPORTING THIS FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I WOULD NEVER AGREE TO SUCH TERMS OF ANY TYPE OF LOAN LIKE THIS. THIS IS A SCAM.
12/29/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 92102	Web
On XXXX I had a scheduled payment I lost my debit card, payment was late On XXXX I received 10 phone calls in a row, could not answer cause i was at work Several Times for a total of 40 calls in one day On XXXX I received 10 phone calls in row I called back and XXXX was rude and Insulted me because I didnt contact them sooner Spoke to a supervisor
12/15/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 95023	Web
I WAS QUOTED 35% FOR A LOAN. FROM LOAN ME. ONCE I GOT THE LOAN I RECEIVED LETTER STATING I WAS GOING TO BE CHARGED 85% BECAUSE OF MY CREDIT HISTORY. MY PAYMENT WAS DEFERRED UNTIL XX/XX/XXXX. TO CHARGE ME INTEREST AT 85% ON THE FULL AMOUNT. IS TH IS LEGAL? IF I PAY THE LOAN OFF ACCORDING TO SCHEDULE I WILL PAY XX/XX/XXXX ON A XX/XX/XXXX LOAN.
09/13/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 93030	Web	Older American
Yes, I had been a victim of fraud and scam for this company LOAN ME charge me 135 % a day without my knowledge because of that they took advantage of me being unemployed with no unemployment benefits. I loan {$2600.00} and I still owed them $ {$2600.00} after four month paying {$300.00} a month. How can I get out this company. Please help me.
07/03/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 92705	Web
TO Whome this may concern, predatory lender I loaned from them in XX/XX/2019 for {$3000.00} made payments each month totaling way over $ XXXX and they still say I owe {$3100.00}. This is insane highway armed robbery, they also mentioned account is being serviced by this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	UT 84115	Web
I have since XX/XX/XXXX, asked for a balance sheet, what is our payoff, principle and interest. I am told they will request one after I've made the payment. It is XX/XX/XXXX and I till do not have anything that show how my payments are being applied and what my balance is. I think I have given them ample time to come up with this information.
07/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91722	Web
I just got a notice by email of a settlement with another company due to high interest and it came into my mind a loan that I got with Loanme Annual percentage 139.12 % finance charge {$11000.00} amount finance {$2500.00} total of payments {$14000.00}. One payment of $ {$260.00} on XX/XX/2019 and 47 payments of XXXX beginning on XXXX XXXX
12/28/2016	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 95758	Web
XXXX at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe LOANME INC. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.
04/20/2017	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92028	Web	Servicemember
Company name- XXXX XXXX Account balance starting back to XXXX XXXX , {$2500.00} Payment amount monthly- {$390.00} Balance as of this day including sending a check for {$2500.00} XXXX XXXX , XXXX for pay off includes an additional amount of {$960.00}. Have an email confirming additional amount squeezing me for more money.
07/28/2015	Yes	Payday loan	Can't stop charges to bank account	CA 95818	Web	Servicemember
I am unable to make a payment this month because I have unexpected major car repairs. I contacted the lender and they have called more than ten times daily to threaten me with " major collection actions '' if I do n't borrow the money, pawn something or take another payday loan to make my payment. I am afraid of what will happen next.
07/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 316XX	Web	Older American
I call the number, and all numbers associated with this account and try to talk to someone, but my number is blocked. I never tried to contact them for any reason, till now. Loan Me company has been debting my account for seven years, its till leasted on my account as a charge off, but they have still been debting my account
04/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23321	Web	Servicemember
Several loans were taken out in my name during XXXX. These accounts have been closed and reporting inaccurate information. I had to leave my information with the person that was taking care of my children at the time. I have a XXXX XXXX I have to maintain for my job. I shouldnt have to pay for someone else wrong doing.
04/17/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	NM 87505	Web
I received a voice message from XXXX XXXX XXXX XXXX claiming to be from Loan Me, a company in California that makes personal loans. The caller claimed that I applied for a loan. I did not apply for a loan with this company and I want any report of a loan application to be removed from my credit report. This is a scam.
08/10/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	CA 93065	Web
I was called out of the blue by a debt management company that came in possession of a loan that was pulled under my name. I thought it was a scam when they asked me to pay XXXX dollars to them to keep them from sueing. Now someone gave me papers saying I'm being sued for not paying off a loan i didn't pull.
08/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO XXXXX	Web
I have a loan with XXXX, LOANME XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LOANME XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
10/08/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 92260	Web
LoanMe contacts me XXXX times daily from varying phone number area codes all day long. I have a receipt that states " Debt paid in full ''. This company contacts me after I have already emailed XXXX cease and assist emails. Additionally, this company continues to write emails and call me 24 hours a day.
11/28/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91107	Web
Hi I live in XXXX XXXX California at a company called XXXX is advertising 100 % financing on purchasing a home the down payment will be from a personal loan up to {$100000.00} that they lend you plus the mortgage which is 100 % financing is that still legal I thought those loans were not legal anymore
05/27/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90710	Web	Older American
loan number XXXX loan me nc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I borrowed {$5100.00} on XX/XX/2015, the dollar amount for financing was {$36000.00}. I have paid back {$16000.00} and I still owe {$2700.00}. I am asking for the bill to be paid in full because the interest has been paid in full.
06/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WI 54729	Web
I had to take out a loan for a house repair and loan me.com was the only one willing to loan me XXXX dollars what I needed. Now come to find out its 135 % interest and by the end of the Loan term I will end up paying around XXXX dollars this is loan sharing and they take advantage of people like me.
12/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 94089	Web	Older American
Had applied for a personal line of credit. LoanMe to me to change the loan classification to a business loan. Needed the loan to keep payments current but learned rate is usuary at 79 %, then lowered to 65 %. Repeatedly requested a loan modification as I've paid back the original principal twice!
10/11/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91360	Web
The company XXXX XXXX XXXX has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats
07/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IN 46201	Web
The company does not apply payments in a timely manner and its website does not have an accurate accounting of payments made or what the payoff balance is for a customer to pay off the loan. I believe this is in bad faith in order to keep customers in the dark about their pay-off options.
10/06/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	AR XXXXX	Web
This company is currently showing 30 days late for the month of XX/XX/2021 and 120 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
08/04/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 90063	Web
I secured an installment loan from XXXX over a year ago. My payment due on XX/XX/2018 became delinquent and the company has called my house ( XXXX ) five ( 5 ) times and my cell phone number ( XXXX ) seven ( 7 ) times from two different numbers. These calls took place today XX/XX/2018.
03/30/2017	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	CA 95112	Web
Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
04/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92553	Web
I got this loan in XX/XX/2019 they lend me XXXX I pay XXXX XXXX monthly. I just called to get pay off and I owe {$2800.00}. I never realized how high the interest is. I called and they said my interest rate is 125 %. Its ridiculous high. I dont think that should even be legal.
05/22/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76262	Web
This number keeps calling my cell phone. They also called my sister looking for our Brother. They are lying and saying he has won something and they are clearly a collection agency. Both mine and my sister 's phone # are on the national do not call list. Thank you!
12/19/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CA 945XX	Web
Lender makes repeated telephone calls without leaving messages ; they contacted my spouse ( who 's not a co-borrower ) asking for me to contact them ; and, they called me at my employer. These actions violate the Fair Debt Collections Practices Act and are harassing.
01/25/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 92530	Web
This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and XXXX these people are making it difficult to function for my children. Please help me.
01/18/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90302	Web
My name is XXXX XXXX XXXX and I am writing this complaint without the assistance of a 3rd party. This alleged debt was settled by tax write off. LoanMe nor their assigns have a UCC 11 lien, past or present, to prove alleged debt. I refuse to pay this alleged debt.
03/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 91387	Web
I hope this is not a scam, since I just signed the modification package and made a {$100.00} payment on my loan. I am copying the FTC on this email, just so that XXXX and it's subsidaries did not cooerce me into signing false documents and making a payment.
09/18/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 91767	Web
apparently I took out a Loan on XX/XX/2019 of the amount of XXXX the company is apparently Loan me but when I contacted them they said I never took out a loan or submitted one. the debit collecting company is named DRG and the person calling me is XXXX XXXX.
04/14/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 950XX	Web
Got this loan long story short fell into financial hardships due to unexpected medical problems. Could n't pay the loan now the company is contacting me for numerous different numbers as well as calling my place of work my brother and girlfriend constantly.
12/19/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 92345	Web
XXXX XXXX he has changed company name twice since Ive spoken with him. He has got in contact with me about a debt. But on days he can not contact me hes called my relatives and has gave them information where I work. My addresses and phone numbers. XXXX.
12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92392	Web	Servicemember
Im trying to restore my credit after a Long span of trying to survive ... This loan was a predatory online loan taken out under stress ... After filing a dispute with XXXX the predators jumped the loan from XXXX to over {$2500.00} on my report ...
09/08/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92880	Web
Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also
04/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 93004	Web
When I took out the loan I have been fatefully making the payments under 2016 when my financial situation changed. My interest was over even higher than 100 % of what I brought for my credit was in the 600s however I was only approved for XXXX.
11/16/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MO 631XX	Web
received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.
09/23/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	CA 90405	Web
They tricked me saying I was paying my dues for almost a year but actually I was paying only the interest so now they add me more than 50 % interest in my old loan {$7000.00} original loans {$4500.00} my paying {$10000.00} my actually loan
06/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92504	Web
I believe the company LoanMe is out of compliance with AB-539, the Fair Access to Credit Act. The interest rate I am being charged is 135 %, far above the state cap of 35 %. I have sent an inquiry to LoanMe, but they have not answered me.
03/10/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 54016	Web
This account is included with a amortization of debt. Was court ordered to reaffirm our debt in XXXX of 2018. I have contacted a XXXX XXXX. And was told they would fixed my account payments are being made monthly per our payment plan.
01/25/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 92663	Web
They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.
01/01/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	UT 843XX	Web
The company sends out reminder emails staring my payment is on a specific day but the payment is taken prior to the date mentioned in the reminder email. This causes payments to bounce and overdraft fees in my account.
11/16/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	SC 29485	Web
Checked my credit file. Notice a company showed up. Called then to inquire. Never opened a account with them. Rep named XXXX was very rude and insisted it was mines. Never signed any documents or received any funds.
08/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63368	Web
I have tried to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.
04/10/2022	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	CA 906XX	Web
I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
02/02/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IN 46237	Web
They have called Me five to six times a day. They have called my Father, Sister and Brother in Law five to six times a day. asking to speak to me or my attorney. They call me and my family during work hours.
01/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA XXXXX	Web
Loanme does not provide year end tax documents of interest paid on loan. When contacted they state they don't provide customers with tax documents with the amount of interest paid for year of 2020.
01/21/2022	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	CA 94606	Web
On XX/XX/XXXX LoanMe contacted me at XXXX XXXX to discuss a debt disrupting my sleep causing me to attend work that day without being well-rested. This is a violation of the FDCPA & RFDCPA.
09/15/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90278	Web
Settled a loan Two years ago with one company now another company has to loan, now they wants to paid again calling wants me to submit document. I told the to call the original creditor.
10/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92562	Web
Debt was a result of identity theft, have tried to remove this account off my credit multiple times, the collector has not provided proof of validity. This debt does not belong to me.
10/23/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 92840	Web	Servicemember
They constantly call 12 times or more in one day. Once is understandable but 12 times on a Saturday and Sunday is aggressive and on the weekdays they call at least 25 times a day.
10/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92108	Web
I cancelled an automatic payment with this company only to receive notification after XXXX when my bank closed they were reinstating the automatic draft without my authorization.
03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92545	Web
I began the dispute with XXXX XXXX beginning in XX/XX/XXXX and believe the reporting is inaccurate and in violation of consumer protection law. Specifically the FCRA and FDCPA.
09/29/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MO 640XX	Web
I 've received an unsolicited loan offer with an annual interest rate ranging from 99.75 % to 184.36 % from a company called LoanMe, Inc. based in XXXX, CA. ( License # XXXX )
08/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 93638	Web
No matter how much I pay, the balance does not decrease. It is absurd. I am stuck paying {$300.00} a month for a loan than was originally {$2600.00} and now I owe {$3000.00}!
12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29550	Web	Servicemember
This was a debt, I think was taking out by my ex spouse. Ive asked for original documentation years ago from Loan Me but never received so I could verify my signature.
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94534	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 949XX	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
01/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91765	Web	Older American
Called XXXX XXXX 2018 to close account since I have paid {$2500.00} + financed fees of $ 4000+. Interest 135 %. They lower interest and monthly still owe {$6000.00}.
07/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92084	Web
I was charged a late fee although I've paid {$700.00} over two payments, on time, in the past two weeks. This is more than twice as much as my minimum payment.
03/12/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	UT XXXXX	Web
I do owe this debt. I have told this debtor to only contact me via mail. They have continued to call me and my father. They are extremely rude and insulting.
03/24/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30294	Web	Servicemember
I have several family members contacting me saying debt collectors have been contacting them about a debt in my name. It's getting outrageous at this point.
05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX on XX/XX/2017 which l have no idea about it at all.
04/13/2016	Yes	Payday loan	Can't contact lender	CA 91709	Web
Company claiming to collect on behalf of a payday loan. Wo n't stop calling at all hours. Left threatening messages on my phone as well as my husbands.
03/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 919XX	Web
I am now out of work due to a XXXX and can not make the payments. The lender is unwilling to work with me and I 'm worried about what will happen next.
04/26/2016	Yes	Payday loan	Charged fees or interest I didn't expect	AZ 85746	Web
94 % interest rate since XXXX I have paid {$4400.00} in interest on a {$6500.00} loan with a large origination fee with a payoff amount of {$6900.00}
07/19/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 91387	Web
On X/XX/17 XXXX XXXX called my work looking for me I ask them not to call my job and than they called again 4 hours later my name isXXXX XXXX
09/21/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL 33137	Web
They have repeated called numerous times in an attempt to a collect. I am requesting no future communication from this debt collector
03/12/2018	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	CA 94518	Web
Calls persisted. Calls also continued to my place of employment. No action was taken by the company to correct the situation.
10/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92562	Web
Debt was result of identity theft, I do not owe this debt, have disputed debt but the agency wont remove from credit report.
02/12/2018	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	CA 92870	Web
Debit collector called my boss at work and left a message and then proceeded to give him information about this claim.
11/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90017	Web
Dear Sir or Madam : Please see attached correspondence. Thank you for your efforts. Very respectfully, XXXX XXXX
08/01/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 95212	Web
Loanme is using a debt collector called XXXX XXXX. They are harassing my wife, parents, and work with phone calls.
10/21/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 94127	Web
I have had a debt consolidation company issue a Cease & Desist and the Lender keeps calling my place of business.
05/18/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 922XX	Web	Older American, Servicemember
these lender do n't care becuase all my payment just pay interest and dose not pay toward the princlbe
03/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA XXXXX	Web
They called me all day and have now tried calling friends and even called an ex boyfriend.
10/29/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information is missing that should be on the report	MI 48207	Web
This loan isnt reporting this any of the credit reporting agencies ( XXXX, XXXX, XXXX ).
05/19/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Credit monitoring or identity theft protection services Problem with product or service terms changing	CA 902XX	Web
Consumer reported a 30 day late to credit reporting agencies under deferred agreement.
05/10/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11563	Web
I didnt request anything from whomever this they are spam texting make it stop XXXX
09/07/2020	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	NV 89104	Web
THE LOAN AMOUNT XXXX DATE OPEN XX/XX/2016 ASKING THIS TO BE REMOVE STOPING MY LOAN
04/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 94025	Web
I get between 5 to 7 calls a day, every day for the past 20 days
05/10/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 95678	Web
They call me from different phone numbers about 12 times per day
01/11/2024	No	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	FL 33803	Web

12/11/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90710	Web

12/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	DE 19805	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92507	Web

11/11/2023	No	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91977	Web	Older American

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 91367	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92647	Phone

07/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28138	Web

07/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92173	Web	Servicemember

04/30/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OK 73538	Web	Servicemember

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91350	Web

02/07/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NV 89102	Phone	Servicemember

11/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94531	Web

09/11/2022	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC 29488	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19702	Web

06/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 90043	Web

06/01/2022	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90744	Phone

05/09/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 93611	Phone

05/03/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92203	Web

04/23/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 900XX	Web

04/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70065	Web

03/29/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89052	Web

03/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33772	Web

03/18/2022	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33021	Web

03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92020	Web

03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

02/14/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 92805	Phone

02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39532	Web

02/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IN 47630	Web

01/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92586	Web

01/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91764	Web

01/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	CA 95350	Web	Older American

12/29/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94605	Web

12/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 92277	Web

11/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95376	Web

11/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94530	Web

11/08/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web

10/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94530	Web

09/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37128	Web

09/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95376	Web

09/24/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

09/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NV 89503	Web

09/09/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 90302	Web

08/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94530	Web

08/02/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93004	Web	Servicemember

07/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

07/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95376	Web

07/22/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29730	Web

07/21/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19709	Web

07/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MN 56701	Phone	Older American

07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23701	Web

07/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95376	Web

07/01/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90302	Web

06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92806	Web

06/24/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

06/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 96094	Web	Older American

06/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94542	Web

06/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95376	Web

05/27/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NM 87110	Web

05/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95377	Web

05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93535	Web

05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90014	Web

04/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 95207	Web

04/09/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	MS 39117	Web	Older American

03/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95376	Web

03/29/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WI 53205	Web

03/26/2021	No	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 92058	Phone

03/22/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 92563	Web

03/04/2021	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 92618	Phone	Older American

03/01/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 90304	Phone	Servicemember

02/20/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23875	Web

02/06/2021	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OR 97850	Web

02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94703	Web

12/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94102	Web

11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92557	Web

10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95757	Fax	Older American

10/13/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 90717	Phone	Older American

10/01/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90745	Phone

09/23/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91006	Web

09/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91748	Web	Servicemember

09/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92806	Web

08/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone	Older American

06/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90046	Web

06/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90046	Web

05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91602	Web

05/22/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92596	Web

05/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92110	Fax

04/24/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94530	Web

04/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92586	Web

04/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 96003	Web

03/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91342	Web

03/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90706	Web

02/25/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WI 53402	Phone

02/21/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91367	Phone	Older American

02/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 91303	Web

01/23/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91910	Web

01/03/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92308	Phone	Servicemember

01/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone	Older American

12/30/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92110	Postal mail

12/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92110	Fax

12/16/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 95402	Postal mail	Older American, Servicemember

12/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92110	Fax

11/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92880	Web

09/30/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92618	Web

09/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CA 90815	Web	Servicemember

08/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92656	Web

08/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91390	Web

08/12/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 93710	Web

08/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92110	Web

07/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92376	Referral

07/29/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92110	Fax

07/26/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 92101	Web

07/11/2019	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	CA 95003	Web

07/10/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92365	Phone	Servicemember

07/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90815	Web	Servicemember

06/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94589	Web	Servicemember

06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93611	Web

06/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93726	Web

06/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Phone

06/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92583	Web

06/12/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 91607	Postal mail

06/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28739	Web	Older American, Servicemember

06/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 93041	Web

05/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94521	Referral

05/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 95687	Phone

05/17/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA 95366	Web

04/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90804	Web

04/13/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CA 94904	Web

04/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NM 87110	Web	Older American

03/19/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MO 64054	Web

01/31/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 91706	Web	Servicemember

01/29/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95023	Web	Servicemember

01/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94703	Web

01/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78640	Web

01/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91977	Web

12/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91367	Web

12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95823	Phone

12/05/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90068	Web

11/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91977	Web

11/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90015	Fax

11/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53575	Web

10/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94102	Web

10/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75115	Web

09/27/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92407	Postal mail

08/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27127	Web	Servicemember

06/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84081	Web

06/15/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95670	Phone

06/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95814	Web

06/11/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92882	Web

05/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90043	Web

05/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Fax

05/21/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92111	Phone

05/21/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90025	Web

05/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Fax

05/08/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95367	Web

04/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95628	Referral

04/23/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying		Fax

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76087	Web

04/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92022	Web	Older American

03/30/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90019	Web

03/13/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	CA 90043	Web

03/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	GA 30092	Web

03/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone

02/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92879	Postal mail

01/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90062	Web

01/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	DE 19713	Web

01/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60506	Referral

01/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90062	Web

12/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85745	Web	Servicemember

12/11/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92410	Web

11/22/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 64037	Web

11/22/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 64037	Web

11/14/2017	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 95687	Phone

11/01/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA 91324	Web	Servicemember

09/25/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90034	Phone

08/15/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	CA 92545	Web

08/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AZ 85286	Fax

08/01/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94954	Web

07/26/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	SC 29532	Web

07/20/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92377	Web

07/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CO 80132	Referral

06/30/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MO 64015	Web

06/29/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92108	Web	Servicemember

06/27/2017	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CA 95823	Web

05/31/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 90020	Web

05/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92105	Web

05/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 948XX	Web

05/15/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	UT 84660	Web

05/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Postal mail

04/30/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92114	Web

04/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 93041	Phone

04/25/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	ID 83404	Web

04/12/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 90804	Web

04/06/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 94901	Web	Older American

03/29/2017	Yes	Payday loan	Can't stop charges to bank account	MO 64744	Web

03/28/2017	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	CA 94901	Web	Older American

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75115	Web

03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 95670	Phone

03/21/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	DE 19720	Referral

02/11/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 94901	Web	Older American

02/09/2017	Yes	Payday loan	Payment to acct not credited	CA 90807	Web	Older American, Servicemember

02/08/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92618	Web

02/07/2017	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	CA 94947	Web

02/06/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 92555	Web

01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90803	Postal mail

01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 91702	Fax

01/15/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91360	Web

01/04/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90255	Web	Servicemember

12/12/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91206	Web

11/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94561	Web

10/22/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93308	Web

10/11/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	SC 29926	Web

10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92545	Web

09/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91326	Web

09/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93412	Web

09/12/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 90016	Web

09/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91401	Web	Older American

09/02/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 91214	Web

09/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90036	Web

08/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93005	Referral

08/12/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MN 55124	Web

07/22/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90047	Web

07/20/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90004	Referral

07/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91730	Web

07/11/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90036	Web

07/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 95662	Web

07/01/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 95822	Web

06/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91765	Web

06/03/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 92234	Postal mail

05/23/2016	Yes	Payday loan	Applied for loan/did not receive money	CA 94610	Web

05/20/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85044	Web	Older American

05/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93030	Postal mail

05/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91306	Web	Older American

04/15/2016	Yes	Payday loan	Can't stop charges to bank account	CA 92130	Web

02/25/2016	Yes	Payday loan	Charged fees or interest I didn't expect	CA 90504	Web

02/23/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91355	Web

02/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 93277	Web

02/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94080	Phone

02/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	XXXXX	Web

01/14/2016	Yes	Payday loan	Charged bank acct wrong day or amt	CA 93552	Web

01/12/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	UT 84121	Web

01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92022	Web	Older American

12/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 94705	Web	Older American

12/21/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 96002	Web

12/15/2015	Yes	Payday loan	Applied for loan/did not receive money	CA 90706	Phone

12/12/2015	Yes	Payday loan	Received a loan I didn't apply for	CA 90221	Web

11/18/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 93063	Phone	Older American

11/16/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 92115	Web	Servicemember

11/12/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90044	Web

11/10/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85037	Web	Servicemember

10/06/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 94103	Web

09/23/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91977	Phone

09/23/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91977	Phone

09/19/2015	Yes	Payday loan	Can't stop charges to bank account	CA 95118	Web

09/17/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 93705	Postal mail	Older American

09/04/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 93727	Web

07/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92408	Web

06/25/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92104	Web

06/19/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 95240	Web

05/01/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 93003	Web

04/15/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 92806	Web

04/08/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91710	Web

03/18/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 94030	Web

02/23/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 91791	Web

02/20/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 96007	Web

02/20/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90222	Web

02/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90008	Web

02/17/2015	Yes	Payday loan	Can't contact lender	CA 94107	Web	Servicemember

02/10/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MO 64079	Web

01/17/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 92116	Web

01/13/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 95747	Web

11/20/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91101	Web