Essential Lending Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/12/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX XXXXX	Web
On XX/XX/2023 at approximately XXXX XXXX my wife, XXXX XXXX XXXX received a phone call from a XXXX XXXX with XXXXXXXX XXXX from XXXX, They claimed that they were attempting to file a court summons and wanted to call her first. My wife indicated she did not know who XXXX was, that she had an attorney handling all of this, and had never done business with them and to please Cease and Desist ALL communication with her and to anyone she may know. The agent kept persisting, and finally at XXXX the phone call ended. At no time did the agent give the XXXX XXXX as required by law. At XXXX my wife received a call from the same phone number, and the person hung up on her, and again at XXXX. I stress at this time my wife gave a FULL cease and desist all contact with her or anyone she knows. At XXXX, a XXXX XXXX XXXX was called, and at XXXX a voice mail message was left with XXXX XXXX XXXX ( an associate of XXXX XXXX XXXX ) explaining that XXXX had a " public record for location information '' to be filed against her. If she didnt call back her " legal rights will be forfeited '' and that this was a " legall notification by telephone ''. Keep in mind this message was left on a THIRD PARTIES cell phone. I have record of this conversation. At XXXX am XXXX, I, XXXX XXXX XXXX, and the husband of XXXX XXXX XXXX, was contacted by this same individual, XXXX XXXX of XXXX XXXX.. She asked for me personally, I verified by name only and advised I was XXXX 's spouse. I immediately requested the physical address of the business, and was given XXXX XXXX XXXX, # XXXXXXXX XXXX, NY, XXXX. ( This address is a postal service drop and not the address of the company itself ) At no time did she attempt to verify XXXX 's personally private information ( XXXX, Address, XXXX, etc ) nor give me the required XXXX XXXX or advise that I was not personally responsible for the debt. She went into telling me that there was going to be a legal filing against XXXX for a returned ACH and a tax XXXX and potential garnishment of wages after a " circuit curt judge '' hears the case. She claimed the amount would be over {$7000.00} after attorney costs and court fees. I asked who the attorney would be - and she claimed it would be a XXXX XXXX. During the conversation- I looked at the XXXX XXXX XXXX New York and could find no XXXX XXXX listed. She stated that the original creditor was Wise Loan or Essential Lending. ( Again, she had NOT given me ANY required disclosures ). She advised that a legal filing was imminent. At this time- I advised her of the several violations of not only NY law, Texas Law, and the FDCPA violations. She again went into legal language, and at this time, I advised I would need XXXX XXXX 's Bar # so I could file the appropriate complaints. I was then forwarded to a Manager, a XXXX XXXX, who claimed XXXX XXXX was in a meeting, and that he ( XXXX XXXX ) didnt know his bar number. He claimed he could have XXXX XXXX call back himself. At this time I politely ended the call. As someone who spent over 30 years in the collection industry as a Manager, I find that the behavior at this firm AFTER given a verbal cease and desist for all communication to stop, ABHORRENT. I will list the FDCPA violations below : XXXX ) Calling my wife back 2 times and hanging up - HARASSMENT - Section 804 2 ) Calling relatives or associates AFTER being given a Cease and Desist - 804 and 805.b 3 ) Disclosing to a third party that a debt is owed - Section 804 and 805.b 4 ) Using " legal language '' and threatening to garnish language - 807.4, 807.13 5 ) Not providing the XXXX XXXX to either XXXX or myself ( XXXX separate calls ) 807.11 It is SIX separate violations of the FDCPA in less than XXXX hours time. I am sure that there are other calls made on this account in the subsequent time frame AFTER the cease and desist was made. This is a total of {$6000.00} in blatant and purposeful violations of the law.
09/05/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX XXXXX	Web
XX/XX/XXXX received an email preapproved for small loan, applied for XXXX. After completing info online didn't understand the agreement as the terms werent not listed online. per site All we need is your signature on the Loan Agreement. I called the no Wise Loan/Essential Lending, Inc.XXXX & on hold for over 30 min as a new customer, I hung up called again on hold over 50. I hung up, online it shows you're approved, funds in your act by XXXX XXXX as it was approx XXXX cst. I went back online and chatted to let them know couldn't reach anyone, don't understand the terms, she's says you're approved for XXXX, I said I don't want XXXX, I want XXXX and where are the terms online, due date, rate? She said you already signed and approved. The next min I received a separate email ( Cust Ser Response ) Congratulations with 2 attachments XX/XX/XXXX at XXXX, notice the contract date is XX/XX/XXXX and fees start on this date ; also notice AMOUNT Financed and amount GIVEN Directly to me : {$400.00}. Funds were deposited that day after XXXX not by XXXXXXXX XXXX. First pmt due XX/XX/XXXX, APR 799 %, in 6 months total pmts = $ XXXXCFPB how is this legal? A lender can charge over 100 % rate, not a dime goes to interest or so called rip off fee " CSO '' *I noticed immediately as I sent email to them regarding the errors. DATE, amt financed, and the APR, total of pmts didn't sound right and incorrect. Went back and forth via email with this unprofessional rude, incompetent reps, refuse to answer the phone line, chat dysfunction no longer working after loan approval. Contracts do not shows first payment due XX/XX/XXXX. I suddenly receive an email XXXX indicating my first payment due " friendly reminder that you have a payment coming up in a few days '' -no where on either agreement this info was stated nor online. Nothing but a SCAM. being forced to pay amount while its Undisclosed online. See attached along with website, no tabs showing contract agmt, XXXX date, rate, etc. Most tabs don't open, receive a separate email to log in and dysfunctional indicates wrong password after entering correct password. Mo info re how to payoff loan as made multiple attempts to pay off loan since Friday XXXX as site would not allow me to sign in, I tried to reach this comp on XXXX XXXX and spoke with XXXX she REFUSED to tell me how to pay it off and said to call tomorrow. The reps cant answer any of your questions nor able to provide where this info is located online as its not online. This is unfair to me not being able to pay off this loan and with the excessively HIGH fees and 800 % rate daily is outrageous! Now I'm having to run this company down to figure out how to pay off early is flat out wrong. I shouldn't have to pay this company a dime due to the multiple violations. Due to their incompetence and dysfunctional website, refuse to connect, outrageous terms and excessive rate I request for this company to remove the full debt owed immediately. See docs attached
04/28/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	SC 298XX	Web
On XX/XX/XXXX Essential Lending an unauthorized check against my XXXX XXXX XXXX checking account for the amount of XXXX. I borrowed XXXX dollars from Essential Lending back in XX/XX/XXXX, due to medical financial issues I asked to be put on a XXXX dollar per month payment plan. The plan was approved by Essential Lending until XX/XX/XXXX. My original payments were XXXX. Came XX/XX/XXXX made several attempts to contact Essential Lending, via phone and email to discuss further plans for my payments. Essential Lending took upon themselves to write a check against my account without my authorization of XXXX. Below is a copy and paste of one of my conversations with Essential Lending along with the manager name and contact information. On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hi XXXX, I will be able to start making my agreed to payment of XXXX come XX/XX/XXXX. If I can do the XXXX this month and XX/XX/XXXX, I will be good to go starting in XX/XX/XXXX. Thanks XXXX XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning XXXX, I am sorry I was unable to get back to you yesterday. I wasn't able to reach you on the phone. Are you able to start paying your regular payments of {$260.00} again, or do we need to make special arrangements for the rest of your payments? Just let me know what you are needing to do, and I will see what I can get done for you. Thank you, XXXX XXXX Loan Manager Essential Lending Inc. XXXX XXXX ext. XXXX XXXX fax
09/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77045	Web
Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that XXXX XXXX/XXXX is reporting an account number ( XXXX ) to all 3 Credit Reporting Agencies ( XXXX , XXXX, XXXX ) in my name. This is not an acknowledgement of debt. According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The account statuses reported by the CRAs are incorrect. One is reporting paid while the other is reporting derogatory. 2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. 3. The Dates of last activity are inaccurate as they are reporting different dates to different credit reporting agencies. As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these this account from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). Thank you for your time, XXXX XXXX XXXX
09/18/2020	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75056	Web
I received a loan from Wise Loans in XXXX. Unfortunately, I ultimately allowed the loan to default. I received a call yesterday ( XX/XX/XXXX ) from a company called XXXX who claimed they represented Wise Loans and said Wise Loans wanted to take me to court. Unfortunately, they called me at XXXX and caught me completely off guard so before I could do any research, I reached a settlement, made a payment plan and paid them {$190.00} yesterday. I have attached the payment plan and a voice recording of the voicemail that was left to this complaint. There is no address underneath the company logo and the statement " this is ____ this is a debt collector attempting to collect a debt " was not stated. The phone number and extension of " XXXX XXXX '', whom I spoke with, is XXXX XXXX. I googled the company XXXX and the number they called me on and I could not find anything. In fact, there are similar complaints : ( XXXX XXXX XXXX ). I contacted Wise Loans and asked if they could confirm that they were represented by the arbitrator XXXX and they directed me to XXXX XXXX XXXX. I called XXXX XXXX XXXX and gave me the name and phone number of the company who now owns my debt, XXXX XXXX XXXX.
07/29/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	TX 77082	Web
I was approved for a loan as I have previously had a loan with the company in the past. Upon approval, I noticed the funding would be sent to a old checking account which was now closed. I attempted to contact Wise Loans, in which I was told of the account is closed it would take 8 days to bounce back. After that time, I would then be able to call back and give new account info. I waited the allotted time and reattempted to call back Wise Loans, it went unsuccessful. I requested call backs and called on my own, no success. I sent emails without success. They continued to say my account had been funded despite account being closed. I contacted XXXX XXXX XXXX of XXXX, TX in which XXXX rep was not helpful and ended up being more of a messenger instead of mediator. The account was opened in XXXX, throughout the dispute in XXXX, it was written off. The amount approved was {$400.00}, they only funded {$280.00} as stated on website. I have been getting harassing text messages to pay off debt of {$760.00} since that time. XXXX closed the complaint as answered. I provided proof of closed XXXX XXXX account that has been closed since XX/XX/2022.
10/11/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 295XX	Web
Wise Loans has been reporting themselves as essential lending on my credit report and fraudulently taking money from my bank account to which I had to dispute in XXXX of XXXX and again in XXXX of XXXX. They also have reported 3 different balances on my credit reports so none of the information is accurate. I have disputed this multiple times. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
03/16/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	UT 84118	Web
On XX/XX/2023 a debt collector from XXXX XXXX XXXX called regarding an online payday loan from Wise Loan. I informed him that i currently have a garnishment and he replied for me nit to mention it again in the call because he would not be able to help me futher. He stated that he recieved my file XX/XX/2023 and did an investigation and did not see that garnishment as he is not allowed to make payment arrangements with an active garnishment. I ended up setting up a payment arrangement which failed due to not having the funds. I ended up having 2 garnishments active by the time that payment was to be made. He has called and text and I have requested to stop advising I have 2 garnishments and no money. Today, XX/XX/2023 XXXX XXXX MST he called and I just said " if this is a collection call pkease stop as I jave 2 garnishments in place. '' In which he proceeded to talk and I hung up. XXXX called right back and i answered requesting his supervisor. And he replied : Why? I can call every day until this case goes further. And I hung up.
04/21/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	TX 76502	Web	Servicemember
XXXX XX/XX/2023, I was pre approved for a small loan. I only applied for a loan due to being out of work for medical reasons. I signed the loan documents and called to finish the process. I was told my application would be denied because I needed 3 months of paystubs. The problem is, Wise Loan does not specify this information until AFTER you provide them all your personal information such as SSN. The other problem is the requirement for 3 months of paystubs is NOT annotated anywhere in the loan documents OR on the application on their website. So this company has my personal information and then decides to tell me I need 3 months of paystubs after the fact. To add, I dont have access to any signed documents and they dont email you any copies. Seems suspicious to me.
08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87114	Web
I have contacted the company to notify them I did not open this loan. After speaking with them the social security number was correct, but date of birth listed was incorrect, second where I do not have a bank account where funds were transferred to. I do not have a bank account at XXXX XXXX XXXX. They have an account number, where a payment was withdrawn from and notified them again I do not have an account there. Phone number they had listed was not my phone number, they are hurting my credit by not removing this report. I have filed a fraud report at a website. Will soon file a report with the police. I feel they did not follow through with the process of verification and allowed my identity to be stolen.
09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78758	Web
I filed for bankruptcy XXXX 2016. I included a loan from Essential Lending/XXXX XXXX in my bankruptcy. The name was listed under XXXX XXXX as that is the name of the lender as it is listed on the loan documents I received after the loan was obtained. Once my bankruptcy was discharged this year I called the company several times about it needing to be updated on my credit report and I also directly disputed this account with XXXX. This account continues to show as a negative open account with a {$340.00} balance even after multiple requests to the credit agency and the creditor to get this account corrected. It is affecting my credit and causing me distress trying to get this updated.
10/03/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	DE 19713	Web
My name is XXXX XXXX and I live in XXXX, Delaware. Im currently on Social Security XXXX Benefits and I came across WiseLoans online in order to borrow some money until my next pay period. I was not made aware of the astronomical percentage rate for this loan which is 748.59 % APR. I only receive $ XXXX social security XXXX benefits and I have many other bills and expenses to cover every month. I feel that I was strongly taken advantage of by WiseLoans who did not present a clear loan agreement until AFTER I had signed all of the documentation. This is a textbook example of predatory lending.
01/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77073	Web	Older American, Servicemember
I applied for a loan at Wiseloan in the amount of XXXX I have paid them twice. in the amount of XXXX each .... I did not realize they were charging me over XXXX for XXXX. XXXX This is more than 3 times the amount I borrowed which I feel is ridiculous. My major complaint is I feel this company is taking advantage of consumers like myself that did not notice we would be charged that much more than what I borrowed. I feel that it is very unfair and when you can't pay those large amounts, they threaten to place the balance owed on my credit ....
10/12/2016	Yes	Payday loan	Can't stop charges to bank account	TX 75034	Web
My bank is XXXX in Illnois. I notified Essential Lending ( now XXXX ) that I was revoking their access to draft my account. I sent the request by fax and did receive a call back that the update was received. The notification was sent XX/XX/2016. Today, XX/XX/2016, they attempted to draft my account {$190.00} which resulted in my being charged a {$29.00} overdraft fee. I am in the process of opening a new account to avoid this from occurring again but wanted to make sure a complaint was filed for going against my requst.
02/11/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TX 761XX	Web	Older American
A company called Wise Loan is taking payments regularly out of my account. I was diagnosed with XXXX recently for XXXX month. I received an alert that a late payment was on my report. The company is continuing to draft my account for payments every XXXX weeks. I have NOT missed any payments. I am XXXX XXXX XXXX and unable to log into my account. I have not been sent any notice of a XXXX day delinquency and they keep drafting my payments. They are now claiming I owe over XXXX even though I have paid XXXX. This fraud.
09/24/2021	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 Their investigation did not fix an error on your report	TX 77385	Web
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/12/2022	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 782XX	Web
In accordance with the fair credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC1681 Section 602 i have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
04/19/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 774XX	Web
I borrowed {$900.00} from Wise loans on XX/XX/2019. I was told there was no prepayment penalties, I went to pay it off on XX/XX/2019 and was told pay off would be {$1200.00}. The company claims this is a CSO fee and not interest, I know I signed the loan agreement online but this seems excessive and I thought there were protections for being over charged. I did call and chat with the company and was told that was the payoff regardless. Thank you for your help with this!
09/01/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	TX 77045	Web
I was reviewing my credit report & noticed this account reporting on my file. I dont recall ever taking out a loan with this company & it is my understanding that proper debt validation should include a copy of a signed contract between myself & this company. If this information can not be provided then according to the FDCPA this account must come off of all 3 reports. It is also my understanding that computer printouts do not suffice as proper debt validation
11/08/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NJ 08817	Web
Wise loans Sold my debt to XXXX XXXX in New York. They have been calling me and family members about serving me with a judgement if I dont pay them over XXXX. They have my current address and refuse to mail me any correspondence. They also wont give me their address. They said they will serve me with courts. They are also calling family members and friends from a number that cant be called back. Harassing messages are being left. XXXX number is ( XXXX ) XXXX
08/23/2022	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 75126	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/04/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77045	Web
I just got correspondence back from Wise Loan, theyre stating that I had loan documents but this is not my signature, even if this is identity theft this isnt a contract that has my wet signature due to the FDCPA this document must be provided. Ill file an identity theft report with the police but this debt needs to be removed from all 3 of my credit reports immediately
10/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78758	Web
Under complaint XXXX the company stated they would provide the necessary information to credit bureaus to update the account correctly yet it has been more than 30 days and this account is still showing up as open with a balance owed and it should not due to this debt being XXXX through bankruptcy.
09/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with fraud alerts or security freezes	TX 75063	Web
I was reported that personal loan was taken with Wise Loan for an amount of XXXX $ on XX/XX/2022 and deposited in my XXXX XXXX XXXX account. I never applied the loan & i never received the amount to my XXXX XXXX XXXXXXXX account on that day. I have the proofs of XXXX XXXX XXXXXXXX account
10/03/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	NM 87031	Web
Someone has changed my debt amount XXXX. I have my case number your website is new ... ..the old website gave me a case number XXXX. I was just searching around to see if you might have information on what happened and what the loan amount was showing at the time of the complaint.
09/01/2020	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	SC 294XX	Web
I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.
02/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75115	Web
I had a direct debit payment scheduled on XX/XX/20. The payment was processed as an electronic check. According to the signed agreement, checks are only created after default. I am not in default with the company and did not authorize creating an electronic check on my behalf.
12/01/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TX 761XX	Web
I have made several attempts to call and speak to someone and after waiting in their queue the call drops. Ive set up appointments for a call and I dont get a call back. Ive sent them emails like it says in their website and automated system and of course no response.
07/29/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	WI 53216	Web
The account in question was disputed on XX/XX/2023 and again XX/XX/2023. Each time the dispute came back verified with no verifiable documentation, which was requested via certified mail.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77062	Web
Company is reporting inaccurate, inconsistent and non compliant information of XXXX and XXXX
02/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 762XX	Web
I was told a lie by an employee and my loan wasnt renewed when they said it would be.
01/27/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	NM 87031	Web
I used you service, they are at the top of my credit report again.
01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23223	Web	Servicemember

12/27/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77584	Web

12/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Received a loan you didn't apply for	UT 84341	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 773XX	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38801	Web

07/03/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 75633	Web

06/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29646	Web

05/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76692	Web

05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	LA 70714	Web

04/10/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77034	Phone

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75035	Web	Servicemember

03/24/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75056	Phone

11/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76140	Web

10/11/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 76102	Postal mail	Older American

10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71129	Web

09/06/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 75067	Referral

08/25/2022	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	TX 75034	Web

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75409	Referral

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29212	Web

08/18/2021	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 Investigation took more than 30 days	TX 75039	Web

07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63114	Web

07/07/2021	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 Investigation took more than 30 days	TX 75039	Web

03/23/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77414	Web

04/19/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	SC 29651	Web

06/20/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77433	Web

11/04/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	ID 83221	Web

03/14/2017	No	Payday loan	Charged fees or interest I didn't expect	NM 87031	Web