DigniFi CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DIGNIFI bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/05/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	AL 35007	Web
In XX/XX/XXXX, I assisted my aunt in purchasing a vehicle at XXXX XXXX. She was told she would need an additional down payment and the salesperson stated they had an " Inside '' program to help us. They sent me a link to my phone and I was given XXXX in a loan with 180 day interest promotional period and they used that XXXX for her down payment. We had set payments which fluctuated and when we tried to discuss it with the " DIGNIFI.com '' call center which was not at all an Inside program specific to XXXX as stated, we were ignored. We submitted a complaint to their home office with all the info and again were ignored. In XX/XX/XXXX, my aunts window got broken out and she needed more to pay for this very expensive repair. DIGNIFI, because she had made all of her payments, extended me a XXXX loan for {$650.00} with a 180 day promotional period to pay it off so that I would not incur any interest.I spoke with the person at dignifi just to verify and they said yes, it is XXXX separate loans. My documents do confirm that all of this. On XX/XX/XXXX I contacted Dignifi to get the payoff and was given a 10 day payoff agreement, a balance ID number for this specific loan to add to the check, and an address to overnight the funds to. I sent the payment the following day with clear instructions and all the info provided from the XXXX to ensure it was properly applied and the loan was paid off. on XX/XX/XXXX, the check cleared my bank and when I looked at the loan, it was applied to both loans despite the XXXX ID number specific tot he loan written on the check and the attached very clear letter with instructions. Today I spoke with dignifi and they said " well there is nothing you can do. The payment was applied to both loans and there is no way to reallocate the funds ''. They said there is no way to separate the loans. They are separated on my monthly invoice, there was a payoff balance and a balance ID number for this particular loan given to me by dignifi so that made no sense. Then I was told there is noone else to talk to, that the 180 days of interest would be accruing despite all of the time, effort, money, and original promotional agreement which is why I even agreed to the loan with such high interest ( almost 30 % ) in the first place. This will impact my credit negatively when the interest accrues by lowering my score, cost me maybe a grand or more in additional money to pay due to interest, affect my ability to pay my other loan with them as I just paid {$440.00} roughly to pay the XXXX loan off and my monthly for the XXXX loans was only {$220.00} so I overextended myself trying to pay the one off within the XXXX promotional period. THIS IS FRAUD!! I have all the documents and can prove every ounce of what I am saying. The sad part is, Dignifi is in most every dealership, tire shop, oil changing place, etc throughout TEXAS and I am sure other places so I am definitely not the only person this is happening to. Worst of all, everything is very cryptic with them. You have no escalation measures. You speak to a customer service rep, then they send you to a supervisor and they tell you that you can go no further. I looked on the site and saw that I could WRITE to a XXXX XXXX which I did before due to an increase in my monthly payments suddenly and no one even bothered to answer. This place is a scam. DEFINITELY! Page XXXX of the attached invoice states the terms, I also am attaching payoff letter and check along with bank screenshot showing where check cleared and the balance ID is printed directly on the check and in the letter provided. I also have the original text sent to me with the terms as well while they had me apply on their app as they have everyone do. Please let me know if you need any additional information as I have saved it all.
09/28/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	TX 76108	Web
Fraud was reported to DigniFi XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX on XXXX XX/XX/XXXX after I was alerted by my account with XXXX Credit Agency that a new credit account, DigniFi XXXX credit card, was opened and used in the amount of {$3900.00} on XXXX XX/XX/XXXX in XXXX XXXX Nevada at a XXXX XXXX XXXX XXXX located on XXXX. DigniFi XXXX sent me an " Identity Theft Affidavit '' on XXXX XX/XX/XXXX that requested copy of Driver 's License, copy of SS card, Proof of Address, Copy of Police Report. Police Report was opened on XXXX XX/XX/XXXX and a notarized copy of the report was included in the Identity Theft Affidavit returned XXXX XX/XX/XXXX. DigniFi confirmed receiving XXXX XXXX XX/XX/XXXX. Since that time I have received no progress in resolving the situation and the account and accruing late payments continue to stay on my credit report, which I believe is against the law as it should be remain frozen until the investigation is complete. Below you will find a detailed log of my call attempts to resolve the situation to no avail. XX/XX/XXXX DigniFi Identity Theft Affidavit ( Notarized ) mailed to DigniFi Attn Security/Fraud Department XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX Date DigniFi confirmed Identity Theft Affidavit ( Notarized ) received XX/XX/XXXX Spoke with customer service rep about status of fraud package submitted and was told the investigation was still in-process XX/XX/XXXX Spoke with Customer service rep XXXX XXXX XXXX , along with supervisors XXXX and XXXX due to getting disconnected, they shared the investigation was still ongoing and they require 30-45 days to conclude an investigation after receipt of Affidavit which would be the XXXX of XX/XX/XXXX for when investigation should be complete. XX/XX/XXXX ( XXXX day ) Spoke with XXXX ( Supervisor ) and was told again the investigation was still on-going ; case has been escalated for resolution. Should take another 3 -5 business days to conclude. XX/XX/XXXX I called Spoke with XXXX ( customer service rep ) and XXXX ( Supervisor ) ; Case has been escalated to a manager and they should be contacting me within 24/48hrs. XX/XX/XXXX Spoke with XXXX ( customer service rep ) and XXXX ( Supervisor ) and again the case has been escalated to a manager and they should be contacting me within 24/48 hrs. XX/XX/XXXX XXXX ( cst ) spoke with XXXX XXXX Manager ) who asked for the information I mailed to be emailed to her as t appears she can not locate my Identify Theft Affidavit, which is very concerning due to the personal information contained within the documents mailed along with if I have been lied to this whole time about an on-going investigation. I was told to they will reach to me the next Wednesday XX/XX/XXXX, however that did occur. As a result, I called back on XX/XX/XXXX looking to speak with mgr. XXXX. XX/XX/XXXX Spoke with XXXX ( customer service rep ) and XXXX ( Supervisor ). And was told a Manager should be contacting me within 24/48 hrs. Spoke with XXXX a few hours later, and was told there was no update at this time on the investigation. Received information is still under review. Expect call back next Friday XXXX. We are now at day XXXX since DigniFi XXXX received my information to support Fraud and there is still no resolution and I continue to have this impact my credit report with the original amount and past dues. Also, i have never received any information from DigniFi besides the original credit card mailed to me and the Identity Theft Affidavit. I have never received the information I have asked for, nor any form of a credit statement to date.
01/02/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WA XXXXX	Web	Servicemember
I accepted a short term line of credit for auto repairs offer by the company DigniFi. The loan was as for approximately XXXX dollars and I began paying it off in monthly installments of XXXX dollars ( setup with the companys auto-pay option. ) Because of an error on my part, my final payment of XXXX dollars was declined by my bank due to insufficient funds. However, I noticed my mistake immediately moved money into the anccount, and reached out to the company the same day to correct the issue. A representative of the company informed me that they would not accept another payment from me at that time until the previous payment attempt ( which I informed them had already been decided ) had processed. I called them back 2 more times over the course of the next approximately 10 days in further attempts to make the final payment with the same result. The 3rd time I called, I actually received another automated payment request from Dignifi within 20 minutes of ending the call where a dignifi employee had just informed me for a 3rd time that they would not accept a payment from me in any form. Following this, I emailed the company the below message to the contact email address posted on their website ( XXXX ) Subject : 4th attempt to make payment To whom it may concern : I am specifically instructing your company to stop harassing me with automated emails regarding my account with dignifi. I have personally contacted your telephone support center on 3 occasions over the last 2 weeks in an attempt to pay off the remaining balance of my account and have been told by two separate supervisors in that center that they either would not or could not accept a payment from me regardless of the method. You may not harass me for payment and then refuse to accept that payment when I attempt to make it. When your company is ready and able to accept my payment on this account please reply to this email or contact me at XXXX XXXX XXXX XXXX This week I am available between the hours of XXXX and XXXX Monday through Friday. I will not waste my time with more futile attempts at calling in and resolving this issue again until I hear from a representative of your company who is authorized to accept a payment. Regards, ( XXXX ) Following the above communication, I contacted the company at the same email address two more times and have not yet received a response or separate communication by phone or email. However, I continue to receive payment request messages regularly.
12/16/2022	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 94110	Web	Servicemember
In XXXX of this year, I was the victim of identity theft. Fortunately, I was able to catch it fairly quick and the fraudster was only able to open up XXXX accounts- a credit card and a personal loan. I was able to very easily work with the credit card company to dispute the account and it was closed in a fast and efficient manner. I filed a police report with XXXX XXXX Police Department at the time of the event. A few weeks later, I noticed the personal loan and immediately got in touch with Dignifi. I was told they would be unable to do anything until I provided a police report. I attempted to work with them on other options in the meantime to ensure they didn't report this as fraud to XXXX and the other credit agencies. I was told they are unable to do that and they would not take action until they had a police report that said Dignif on it. I was also told that if I provided a police report case number they could work with XXXX directly to take care of it. I went back to the police station, added dignfi to my complaint, and request a copy of the report. XXXX is fairly backed up and I still have not gotten the report. I tried emailing Dignifi to work through next steps and gave them the case number. I have sent XXXX unanswered emails since XX/XX/XXXX. In the meantime, they have called me to try and get a payment on the loan and have also attempted via the mail. Additionally, when XXXX reached out about my dispute, Dignifi reported it as legitimate. On top of all of this, I asked Dignifi when I was on the phone what kind of XXXX they conduct and they told me they do not require a copy of an ID to get a loan which I found disturbing. Overall, the customer support has been terrible and they still have not resolved this.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76109	Web
Dignifi is reporting inaccurate information.Dignifi has stated I was late on XX/XX/XXXXXXXX and XXXX XXXX.I have a right to a accurate consumer report and by law I have the right to ask for a proper investigation into claims of the inaccurate information and FCRA Section 623 ( a ) ( 8 ) that allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is inaccurate by requesting an investigation be done by the furnisher to prove the accuracy. Dignifi fail to report that consumer even disputes account.I have proof that Dignifi is inaccurately reporting and Im asking for {$1000.00} for each inaccuracy.Todays date is XX/XX/XXXX and I have proof that I paid XX/XX/XXXX Dignifi is reporting that I am 30 days late when in facts it not 30 days over delinquent date stated in federal law a Furnisher can not report an account as delinquent until 30 days 15 usc 1666b timing of payments addition to inaccurately reporting, Dignifi agreed to modify and defer payments. According to the cares act XX/XX/XXXX if your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the, the creditor must report your status as current to the credit bureaus. Under 15 USC 1681a ( i ) there is an exclusions as to on your consumer report containing information solely as to transactions or experiences between the consumer and the person making the report.late fees are transactions and should not be on consumer reports.This is affecting my life and living because of the illegal acts of Dignifi.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76109	Web
My identity was stolen and I made Dignifi aware of this and sent numerous of letters and documents as proof to the identity theft and account that were associated with the theft.This company is still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen. According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK
10/31/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	TX 77802	Web
I opened a XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX to use to charge {$2000.00} towards the purchase of a motorcycle. I paid the entire {$2000.00} in XX/XX/XXXX. The card was at that point at a XXXX balance. I have never used the card since. In fact, I don't even have a physical credit card. On XX/XX/XXXX the account was charged {$59.00} as an annual fee. I wasn't aware of this charge and became aware of it in XX/XX/XXXX. By that time, the company had added a late fee and interest. The total amount on the card was {$80.00}. I paid that balance off on XX/XX/XXXX. On XX/XX/XXXX I sent a certified letter to XXXX XXXXXXXX XXXX XXXX instructing them to close my account. I received a certified return receipt from them. On XX/XX/XXXX XXXX XXXX Credit Card started to text me about a balance due, but my phone reported it as spam. I logged into the XXXX XXXXXXXX XXXX XXXX account and found that they company had once again charged the account an annual fee of {$59.00} plus a late fee and interest. The total amount they say is due is now {$80.00}. However, I requested account to be closed in XX/XX/XXXX, and therefore, I should not be charged a fee. The company clearly did not follow my instructions to close the account. I called them today ( XX/XX/XXXX ) to ask them about this. They told me I could only close the account by calling them. This seems ridiculous. Please help.
05/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76109	Web
I am filing this complaint in regards to the company Dignifi. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$1000.00} }. Which is at XXXX XXXX .Since then I have paid a total of { {$600.00} } and as of today XXXX XXXX my balance has only decreased by { {$97.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. I reached out to them on multiple occasions and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and the company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$500.00} } which is unfair but not even that only { {$97.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$1000.00} } at XXXX XXXX .Dignifi is still saying I owe a sum of { {$960.00} } .this is malicious and deceptive practices. Dignifi is also reporting under my consumer report as confident financial solutions which I never signed a contract with and also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11427	Web
In XX/XX/XXXX I tried to purchase a car at a XXXX dealer in XXXX, XXXX XXXX, NY. Unfortunately I was unable to get approved for a vehicle, yet the dealer proceeded to get me approved for a car repair or insurance loan to assist in helping with the approval costs if there was one. I was approved by a company XXXX deals with called Dignifi. I was told that this loan would only be applicable if I was approved for a vehicle or if I had a vehicle already that needed repairs or insurance. I left the dealership with no vehicle and unaware that this loan was still open under my name. Within a month I noticed the account on my credit report and started receiving calls for payments. How can I pay for a loan I never used more needed to use? You can only access funds for vehicle needs and I don't have a vehicle so the company couldn't possibly be owed money that was never used. I called Dignifi and they told me to have the XXXX dealership call them to void the account. I did that and I waited, nothing was done. By the end of XXXX I was irate because I still received harassing texts and calls. I spoke with a rep from Dignifi and told her to cancel the account because I never had a car nor needed their services. It's XX/XX/XXXX and this account is still affecting my credit report and still isn't closed.
10/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30311	Web	Older American, Servicemember
Back in XX/XX/XXXX - I signed a Unsecured Loan Agreement ( Fixed Rate ). The problem I'm having with them is their calculations of the monthly payments. Everything I've tried to use, do not add up. I've contacted them on several occasions, asking them how they arrived and the payment amounts listed as monthly payments on their website. I told them it don't add up - I asked them for an explanation of their calculation. They refused. I filed a complaint with the XXXX. I still can't get a response. I called XXXX XXXX and spoke someone at least twice and told me I have to call them. The second problem is Interest Rate and the APR. The APR is listed as 27.99 % and but in the letter to the XXXX they listed the APR at 31.02 % and the Interest rate as 27.99 %. They said the loan date is XX/XX/XXXX, but its really XX/XX/XXXX. I filed a complaint with the XXXX on XX/XX/XXXX - the company responded on XX/XX/XXXX. I called to talk to them and I mentioned them responding to a complaint I submitted she said it wasn't true. I gave her the XXXX reference number, information that the company wrote to XXXX. I was for an updated contract, it had been amended. Just the pages they changed or amended. I haven't been successful in getting them to do anything. Contract and letter of response is attached.
07/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report	TX 76179	Web
Dignifi is deliberately ignoring the law and continues to practice malicious and deceitful business practices. In previous response Dignifi has admitted and responded that there address that they reported on my consumer report is not an accurate address.This is in clear violation of 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.Dignifi also in violation of 12 CFR 1022.43 ( c ) Direct dispute address. A furnisher is required to investigate a direct dispute only if a consumer submits a dispute notice to the furnisher at : ( 1 ) The address of a furnisher provided by a furnisher and set forth on a consumer report relating to the consumer ; And Dignifi is reporting as CONFIDENT FINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX and another report Dignifi is reporting address XXXX XXXX XXXX XXXX, CO XXXX and another reported address XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXXDignifi previously stated they did not receive my request to opt out of their arbitrary clause.Which I sent my request to two out the three addresses that they reported as accurate which are.I dont know with address is an correct address.This is shady business practices, See attachments.
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90035	Web
On XX/XX/2022, I received an alert from XXXX that my XXXX XXXX has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXXDignifi , and when I contacted them I was told that I had opened the account in XXXX of 2022 and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). XXXX also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with XXXX was ongoing, someone hacked my XXXX account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with XXXX but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the XXXX system and which is not mine is XXXX.
05/26/2021	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CO 80021	Web
I have tried multiple times to get Dignifi, my bank XXXX XXXX XXXX XXXX, and XXXX ( Payment processor for my bank ) schedule some time to work together to find the missing payment that has been missing since XXXX. XXXX XXXX has not responded to my emails asking for this, she has not responded to my Banks emails asking for this. XXXX has confirmed that Dignifi Payment Processor received the payment, and forwarded it correctly to Dignifi. However Dignifi is still not cooperating in terms of locating the payment. Insisting we have not provided information that is needed, insisting that the payment was sent to the wrong address and they don't take electronic payments. Dignifi own payment processing company opened a case asking for the payment to be investigated over a week ago, Case ID # XXXX request that Dignifi respond and we have not heard back from Dignifi. This case was provided to XXXX XXXX on XXXX.
12/02/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 79762	Web
I applied for a loan from this company to fix the transmission on my car. I was approved but the interest rate was higher than the one on my credit card. So I called them and told them I didnt want it and they said they would take care of it and that I could log into my account and I would see that the loan had been withdrawn. I logged in and it does show that it has been withdrawn. I went to delete the account and could find no where to do that. So I called them back to find out how and they said that since they had ran my credit and offered the loan to me that they could not delete the account, that there was no where on my account online that I could delete it either and that all of my information would be kept with their company. I feel that this is not right ... what if they get hacked and my information could fall into the wrong hands. I hope that you can help with this. Thank you.
06/26/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 76179	Web
On XXXX XXXX I sent and opt out of a arbitration and Dignifi fail to respond and sent me receipt of this request.I then again in XXXX XXXX mail a second notice to another one of the company known addresses and it came back not deliverable. Dignifi is not even licensed to do business in Texas and have no actual or legal address in Texas.How can I file a claim on a company that not licensed in the county of the suit .Dignifi initiated business with me through practices of deceptive and arbitrary flexibility regarding payment structure and customer service. They continued their relationship with me through abusive practices of misdirection and empty promises. They maintained a measure of unfair means of leaving by posting non-delivery addresses on their website and reports, also e-mails and links were returned saying those accounts were not active. Hopefully you guys will have better luck.
09/10/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MD 20720	Web	Servicemember
I was told that if I did not make my final payment today that the funds I currently paid would be charged as interest towards the original loan and that I would have to pay court fees and attorney costs for the proceedings. I then asked for information regarding their company and how my file ended up in their office. Instead of attempting to help me with this information I was told that I was annoying like a XXXX XXXX XXXX girl or a mosquito. I was also called a XXXX and the gentleman proceeded to ask about my personal details. Such as a vehicle I recently purchased and other personal details in which they should not have access to. I asked if calls were recorded and if I could have a copy and I was told that I was harassing them and that they didnt have to do anything to help me. I have since been repeatedly hung up on when attempting to get information regarding our correspondence.
02/05/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TN 37920	Web	Servicemember
After filing a separate complaint with CFPB ( reference ID : XXXX ), Dignifi apologized for the inconvenience and stated that they would be providing monetary compensation in the amount of {$0.00} which according to Dignifi was the remaining balance on my account with them. This occurred after I had already paid the remainder of the debt in full. I do not understand nor did the company clarify how there could possibly be a balance of {$0.00} cents left on the account after I had paid the full balance of the debt but I didnt worry about it because DigniFi forgiving that balance amounted to the same thing. However, I have continued to receive harassing emails from Dignifi asking me to pay that remaining balance which is somehow now higher than {$0.00}. To the best of my knowledge DiginiFi has not completed any of the resolutions that they offered for my previous complaint.
03/01/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	NC 27612	Web
I made a purchase with the understanding that it was interest free for XXXX months as long as the payments were made. Turns out that was not the case when I discovered dignify, I was accruing interest on my account. I attempted to make another payment to close the account. This payment failed without error. It just never happened - two days latter when I did not see the debit from my XXXX checking account ( the same Ive been using for online payments since inception ) I phoned customers service and was informed that I could not make any additional payments for another 15 days or I could pay a {$4.00} fee and unknown amount from my XXXX checking account I could avoid another annual fee which was another surprise. The supervisor I spoke to earlier this evening was less than helpful and offer the solution of waiting another 15 days.
09/22/2022	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Problem with customer service	MD 20705	Web	Servicemember
On XX/XX/22 about XXXX DigniFi contacted me about my past due account. I was advised that the call was an attempt to collect a debt and that the call was being recorded. I advised that I did not want the called recored, when I was told that the call had to be recorded I explained that Maryland is a XXXX party consent state where both parties have to agree to the call recording. I re-affirmed that I did not want the call recorded. Dignify continued to record the call after I told them numerous times not to record the call. I asked to be connected to someone who could talk to me without recording the call and was told that its not possible. Again by state law Maryland is on of 11 states that requires both parties to consent to recording and again I clearly advised that I did not consent to recording.
04/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TX 78521	Web
An account was opened fraudulently onXX/XX/XXXX with my information. I became aware of this in XX/XX/XXXX and informed Dignifi, I then received a packet to send them materials to dispute fraud. I did this in XX/XX/XXXX, I also hired a fraud protection company that also sent those same documents in XXXX XXXX The credit bureaus concluded after their investigation that this account was fraudulent and removed it from their records. However, even after nearly 60 days Dignifi continues to refuse to close this fraudulent account in my name. Everytime I call they appear to have no knowledge of the case, and there is no way to contact a fraud department, even though they had stated previously they received my documents. ( including in a previous complaint lodged here ).
10/01/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NV 89044	Web
Dignifi reported a 30day late payment on my credit report for XX/XX/XXXX. I called them immediately upon seeing this, I was told by the customer service representative XXXX, that my payments were never 30 days late and that I need to submit this in writing and fax it to them. I did exactly what was asked of me. It was confirmed on my credit report. I called them back and spoke to customer service supervisor, who reviewed my account and verified that info not have any 30 day late payments and indicated I need to fax ( again ) a letter indicating this information. I made a payment XX/XX/XXXX which was late however not 30 days late. I again submitted a payment on XX/XX/XXXX and paid the account off on XX/XX/XXXX never submitting a payment over 30days.
02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 754XX	Web
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
12/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	MD 21045	Web
I applied for a loan with Dignifi Financial back XX/XX/XXXX, the loan was due with the final payment on XX/XX/XXXX. However, I have paid all of the loan with the exception of {$75.00}. This {$75.00} represent NSF fees. However, it was not my fault. Unfortunately, I was trying to make the payment with a different payment method, other than the default method but it automatically diverts back to the payment method that I did not choose. I have asked Dignifi to waive these fees. However, they have refused to do so. I don't think that it is fair, when their system is the problem. Again, this loan was not due to be completed until XX/XX/XXXX. I paid it off early.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76109	Web
Dignifi is in violating my rights as a consumer under laws 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S Code 6802 Obligations with respect to disclosures of personal information ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681a - Definitions ; rules of construction consumer report ( 2 ) Exclusions. ( i ) report contai ning information solely as to transactions or experiences between the consumer and the person making the report ;
08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89117	Web
I requested to have the annual fee waived and the account closed since it had been dormant for 1 year and that I no longer needed the account. I was told on XX/XX/XXXX that my request was approved and that the {$60.00} fee would be waived and account closed. On XX/XX/2023 I was notified by XXXX that my credit score dropped XXXX points due to derog hit from Dignifi. I contacted them immediately and to have the account rectified and bureaus updated. I was told by Dignifi that I needed to file a complaint. They should rectify this since it was their NEGLIGENCE that caused a DEVASTATING IMPACT TO MY CREDIT REPORT.
09/28/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 182XX	Web
The leadership for car put me in touch with Dignifi when I purchased the car for the down payment {$4000.00} I used {$3500.00} they said I had to pay by the next six months after that they will charge me interests on XXXX. I paid {$1200.00} plus the remain {$500.00} for a total balance of {$1700.00}. The problem is after six months they accrued my interest and late fees and now stated that my balance is {$970.00} and I owed them {$3000.00}. I thought that they will start getting interests this month with the remain balance of XXXX instead of recalculate the interest on the {$4000.00}
06/07/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20721	Web	Servicemember
I have been making attempts to pay my debt to the company Dignifi and they are not accepting my payments. I have been calling to make payments for more than XXXX months, and the company tells me they are sending my account to collections but will not tell me how to reconcile the debt. I have sent an email to the company in an NOI ( Notice of Intent ) action, but the company will not answer. From XXXX to XXXX the company will not take my payment, and I owe about {$3400.00} so I can make payments if they accept them from me. Company Website XXXX XXXX XXXX XXXX
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77583	Web
I WAS NOTIFIED BY EMAIL OF A PROMOTION AND EVENTUALLY CALLED BACK WITH THE THOUGHT OF XXXX DOWN IF USING MY CREDIT AS A ASKED MULTIPLE TIMES ON THE PHONE... SHE SAID NO YOU WONT HAVE TO PAY NOTHING IF APPROVED AFTER BEING PERSUADED BY FALSE WORDING FROM HER SHE RAN IT WELL AS THE CREDIT WAS RAN I WAS ONLY APPROVED FOR XXXX THE SALE REP WORDS WERE " OHHH NO I DIDNT KNOW I THOUGHT IT WOULD POSIBBLY PAY ALL '' AFTER SAYING IT WOULD I OPTED OUT AND NEVER USED CREDIT AND CALLED ON A LATE FRIDAY THEY SAID IT WOULD BE REMOVED STILL NOTHING INTIAL EMAILS ATTACHED
10/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	PA 19141	Web
My name is XXXX XXXX ive been a clear victim of fraud and Identity theft. Somehow a company is charging me for XXXX $ car that i do not own, or know anything about. This fraud had taken away XXXX points from my credit report which was perfect before that. Im going go send this report to all 3 credit bureaus. Im so overwhelmed and stressed I suffer from XXXX Please help me i have literally kept from getting anything on my credit. All for this nonsense to happen. I DO NOT KNOW WHAT DIGNIFI IS, I DO NOT HAVE A CAR, I DONT EVEN HAVE AN LICENSE.
04/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NV 89101	Web
The account was opened fraudulent. Only reason I had knowledge of it is because it started reporting to my credit reports at the time of me trying to buy a house. I was getting denied because there were high limit credit cards opened in my name but not authorized by me! Fast forwardpaid the account of request it be closed due to fraud and the account was never closed at my request. Fees started to incur and the account was allowed to be negative for 3 months after my request. Incurring 3 months of late fees and bad credit reporting
04/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CO 80011	Web
I made an online portal payment to the company in XXXX. The payment due displayed was the amount I scheduled. A {$10.00} late fee posted to my account after the payment was made. I knew something was wrong because I began to receive email notifications after I paid. I called the company and spoke with a representative and she said {$10.00} was delinquent and it had to be paid before reporting to the credit bureaus. I told her the payment I scheduled didn't include an additional {$10.00} and she said it couldn't be waived.
03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32210	Web
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with the ( FCRA ).
10/11/2023	Yes	Credit card Store credit card	Incorrect information on your report Account information incorrect	IL 604XX	Web
I had a credit card with this company, and fell behind on payments. Since, this company has charged the card off but has continued to report the negative reports on my credit. I have since made the full balance, and I owe XXXX to this company. The company refuses to give me a pay off statement, updated balance of XXXX, they continuously report my account late / charged off every month which is not true. I have tried to dispute this item on reports and they are continuously saying it is not paid / satisfied.
09/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	TX 76227	Web	Older American
A man named XXXX XXXX sent me a copy of a " contract '' that I had never seen. It had amounts for interest and principal that are completely foreign to me. I have used this firm before and the agreement that I made previously was carried out exactly as agreed. This time, they overcharged me in a most predatory fashion. In addition, the contract that XXXX XXXX emailed to me had an interest rate of 29+ percent. I would NEVER agree to a contract interest rate higher than 12 %!!
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 760XX	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32210	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose '.
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77373	Web
In accordance this the Fair Credit Reporting Act this creditor has violated my rights. Under the 15 U.S. code 1681 section 602 states that I have a right to privacy. 15 U.S code 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60614	Web
I got another credit alert from mDIGNIFI For {$5300.00} loan. Apparently opened on XX/XX/2023, but I think I had my credit frozen then so doesnt make sense as Ive been a victim of fraud on around that time already. Their number is XXXX I tried calling but it is a weekend. With my other complaint of amount around $ XXXX I did get police report. Please let me know if that info is needed as well. XXXX XXXX XXXX
07/17/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 76179	Web
DignifiXXXX XXXX is misrepresenting there lines of credit stating that these line of credit are loans forcing hundreds of thousands of unknown or unconscious consumers into promised to pay bonds and charging interest on consumers own credit worthiness and misinforming them of their lines of credit according to XXXX XXXX and public law XXXX and bill exchange act of XXXX see request attachments.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38111	Web
Dignifi has reported an account to my credit that was cancelled and it will show that in their system. The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and Dignifi regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.
12/04/2023	Yes	Debt or credit management Debt settlement	Problem with customer service	KY 421XX	Web	Older American
XX/XX/XXXX i paid off the remainder of my account {$250.00} and something. credit report still showing delinquent. I called them had same problem when paying off account had to stop auto pay wait for mail then they found me. same deal when i called today about saying delinguet account on my credit report. they said sorry sir we have no record of you not even by by ss number!!!
06/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO 630XX	Web
THe website for dignifi clearly states a 0 % interest deferred 6 month line of credit for work on cars at XXXX dealership. Once i applied i was told i was only getting 90 day waiver for interest, and when pressed both the CSR and Manager they said that is not offered despite showing it on the application that i followed to finance auto repair.
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80021	Web
On XXXX Dignifi Received Electronically a payment in the amount of XXXX, as of XXXX Dignifi reported my account as 30 days late to the credit bureaus and had not posted the payment. As of XXXX the payment still has not be processed, my bank has reached out my banks payment processor has reached out multiple time to Dignifi without response.
08/23/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20721	Web	Servicemember
The company Dignifi is not reporting my payments to the Credit Bureaus and it is saying that I have not made a payment yet. I want my paid in full letter so that I can file a dispute because the company at this point has bad business practices. Where they want you to be affected long after separating yourself from them.
10/11/2022	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	FL 346XX	Web
I sent a letter to Dignify XXXX XXXX because I only use the card in XXXX XXXX of XXXX XXXX in XXXX, FL for the amount of {$290.00} for change of air conditioning filter and change of transmission oil and the statement reflects a debt of {$2900.00}. I was already paid {$1000.00} for a charged of {$290.00} on XX/XX/2022.
03/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78521	Web
On XX/XX/2022 an account was opened fraudulently with my information with Dignifi web bank. For the past 3 months I have disputed this with credit bureaus as well as made statements with law enforcement. In spite of this, Dignifi has still not removed this fraudulent accout and continues with collection calls.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 452XX	Web
Dignifi is reporting fraudulent accounts to the credit bureaus. These accounts arise from identity theft. My information has been compromised in the XXXX data breaches. Dignifi is also reporting late payments. I am being harassed by text, phone calls and emails about payments due that are not mine.
04/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AL 357XX	Web	Servicemember
Company is refusing to accept full payment of the account balance. All previous payments have been made via ACH bank transfer. The company is now refusing to process the payment via bank account and requiring me to use payment methods that will incur additional fees.
03/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90221	Web
I have a collection reporting on my credit that I do not owe. And collection is reporting as an open account on my credit report. This is a fcra violation. Please delete this off my credit report
06/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11101	Web
My personal information account was used to finance the loan
09/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77545	Web
XXXX inaccurate information to credit agencies
09/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77545	Web
Report debt not mine
01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33064	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web

01/10/2024	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89104	Web

01/08/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60647	Web

01/07/2024	Yes	Credit card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CA 92706	Web

01/02/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40701	Web

01/01/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33181	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60623	Web

11/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08873	Web

11/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	LA 70058	Web

10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

10/20/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NY 14904	Web

09/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account information incorrect	AL 36801	Web

09/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94124	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77043	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90713	Web	Servicemember

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20748	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98115	Web

05/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	VA 20148	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 81147	Web	Servicemember

03/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90292	Web

02/14/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30060	Web

02/14/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30060	Web

01/30/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 14228	Web

01/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	MI 48188	Phone	Older American

12/11/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 16365	Web

11/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77388	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90221	Web

04/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84121	Referral

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

11/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web

09/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS 67114	Phone

09/29/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS 67114	Phone

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80021	Web