LendingUSA CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/24/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60651	Web
I received a call from someone name XXXX XXXX representing himself as an attorney from Legal tax defense that was further working on my tax resolution in XXXXXXXX XXXX XXXX. I was told that it was time sensitive and he needed to file the papers with the IRS it was the close of my case for my offer and compromise and he needed more money due to my tax issue I owed a lot of money and he needed to be able to represent me. He said it would take about XXXX XXXX XXXX more. I told him I was not aware that I needed to take out another loan. He said he wanted me to trust him and if I didn't have he money they could get my approved through the company they work with. So he said someone would call me to help me with the loan application and getting approved her name is XXXX XXXX. XXXX XXXX stated the most I'd end up paying is {$500.00} XXXXXXXX XXXX. So I did get approved for the loan I was kind of hesitant because of the wording in the loan XXXX told me not to worry about that and XXXX was working on closing my case with the IRS. So I'm ignorant to the fact not knowing this is a scam thinking I'm finally about to get the tax debt I owe down to a minimal. The next month after that I called no answer I left messages asking for the case manager that XXXX XXXX told that would be giving me updates on my case months has went by I'm making payment up until XX/XX/ something clicked this is not right no one ever called back. I was receiving calls from Lending USA about my XXXX payment I told them I'm not paying because I am not receiving services promised by XXXX XXXX to resolve my tax debt they don't call back nor do they return calls. I'm reporting this to the FTC and FBI. i have been stressed out due to this matter and all you care about is a payment for services not being provide to me that's the only reason why I took out the loan as hope to get from under this tax debt. I was told by me owing so much and the laws changed he needed more money for my case. XXXX XXXX Emailed me a newsletter about the new IRS laws nothing else from him. after that or XXXX XXXX. I was told by XXXX XXXXrom Lending USA that if I did not hear from Legal tax Lending USA would close the account and refund me my money back. No its a month or 2 later after receiving a payment in XXXX XXXXXXXX they told me they put in an escalation for XXXX XXXX to contact me that never happened they recanted on there word to close out the account told me someone from Legal Tax said they spoke to me and all was resolved I spoke to XXXX XXXX XXXX told me XXXX XXXX XXXX I hung up in he face and that I needed to talk to her if you are my lawyer in which he is not he would have been able to give me an update on my case with the IIRS these companies are soliciting helpless people to scam knowing they have no intentions on helping them resolve there tax debt but to put us in further debt. I could have paid the IRS that money I'm paying Legal Tax Defense to allegedly work on my own tax issues. They have threatened my credit. I was constantly bein harassed by phone calls 7days a week even after XXXX.In which is even more stressful. I am now trying to see if the other company XXXX XXXX is in on this as well after looking on the XXXX both companies have multiple complaints against them for the same reason stories seems familiar from reading other consumer complaint as well. This company and Lenders needs to be stopped. We are being taken advantaged of with no help just being put further in debt how do we live taking out 2 loans and no resolutions from both companies. I will be checking in with XXXX XXXX as well they may be in on it I was told a month ago in 2 weeks I should have a resolution on my taxes nothing has been done yet. Go to The XXXX and you will see the complaints. If these companies know they cant resolve your tax issue they should not give the consumers false hope you are tax professionals, while talking to someone about there case you already know if you can get there debt resolved but its ; games and strings along to get you to take out more loan getting yourself in further debt making it impossible to pay off the IRS On XX/XX/ I received a letter via email stating I have not been reachable and that as well is untrue I have calls from Lending USA constantly harassing me and threatening my credit since stating they are taking pre legal action against me due to the fact they have not received a payment since XXXX XXXX.Phone records don't lie nor does my call log history. I did email them back on XX/XX/. I asked them back in XX/XX/ to close out the loan as XXXX stated she would and refund me my money.
03/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 605XX	Web
On XX/XX/XXXX I was seeking a personal loan and I went through a web portal called XXXX which they will look at your credit and refer you to lenders based off your information. The agent who contact me from XXXX his name is XXXX XXXX and he referred me to LendingUSA to seek my loan as it close matched that I could be approved. I went to the site as directed by the email provided by XXXX and filled out the application. The following day I received an email from LendingUSA that my loan was pre-approved and they would need some verification before proceeding with the loan. I spoke with the representative, XXXX XXXX. I sent the requirements of drivers license, selfie + drivers license side by side and lastly a voided check along with an Instant Bank Verification ( they provided the link ) as requested per my conversation with her over the phone. I was approved and they sent me a link to complete and accept the loan. The terms were that the loan was at a 26.02 % interest. I thought that was great not as high as some other lenders. I was funded a funded the monies the week of XX/XX/XXXX directly into my account and payments to start paying back the loan to initiate on XX/XX/XXXX. I started my payments in XX/XX/XXXX as I should and have continued making payments each and every month for this loan. However, today as I was making my payment for XX/XX/XXXX I noticed that the balance of my loan has not gone down. It was showing one month that it had gone down some but the following month I see I owed more than before. I called them today and asked them why my principal is not going down and they are saying that the majority of my payment is going toward interest and just a small amount is going toward the principal. The representative by the name of XXXX said that I'm being charged {$7.00} a day in interest regardless if I make my payment on time. I asked her then why did they say I would only be charged a 26.02 % interest if I'm going to be charged each day interest on a loan and if the average month at 30 days I would be paying about {$210.00} in just interest alone when my payment is {$320.00} monthly. She said it was included in the loan documents. I said I don't recall that and at this rate I'll never finish paying off my loan as scheduled as it will only be paying interest and not my principal because the interest rates are high and not the 26.02 % as advertised. All my statements reflect the balance going down then back up, no consistency of payments applied to the principal. I told the XXXX the representative that what's happening is predatory lending and I would be following up with my state and federal government of it's practices. Also, they make it look like on the statement they produce it states that Grace Period expires on the XX/XX/XXXX or XX/XX/XXXX of the month for payment. So they statements are event deceptive in their writing of the statement to make it seem like there's a grace period to pay before you pay additional interest and fees. It is clear that any/all payments are made to their benefit only and at this rate I will never be done paying off this loan due to their deceptive practices and the set up of their correspondence/statements they submit to customers. Due to this I find them to be predatory lenders seeking only to rip off their consumers in the end. Had I known regardless I would be charged interest each and every day regardless and I would never get my principal down I would have not signed off for this loan. I feel fully taken advantage of. Everything was done online on their computer system. I was not offered the opportunity to print off the loan documents just sign off everything electronically. I made a follow up call after my first call today to request my loan documents be sent to me to review. I please ask for help. I also asked for their direct mailing address and this is the information provided to me : Attention : LendingUSA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The signature line on the representative I had initial contact XXXX XXXX here is her contact information : LendingUSA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; Phone : XXXX ext. XXXX, Fax : XXXX ; email : XXXX. One more note, when making payments to them you are directed to another website which is https : XXXX. Therefore its confusing to who is lending as the statements is in the name LendingUSA but when making payments the portal indicates it's a company called : Copyright 2017 XXXX XXXX XXXX XXXX, XXXX per their website.
10/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91307	Web
I originally had t o take out two loans from a lender called LENDING USA. One was to help cover funeral expenses and the other was medical. - BOTH OF THESE LOANS WERE PAID IN FULL But because of tragedy ; death, XXXX XXXX, theft and vandalism to my personal property important personal documents were lost. I was almost hospitalized for a XXXX XXXX. In XXXX the attorneys handling the XXXX fire asked me to review ALL costs that may have associated with the fire. And in doing this exercise with my two banks ( XXXX and XXXX XXXX XXXX XXXX ) it was discovered that there were some strange charges on my accounts. 1. They read as " PRIVATE PAYMENT '' 2. Both banks launched an investigation 3. They both came up with this information : XXXX XXXX. XXXX ( XXXX ) 4. I had NEVER heard of or done business with this bank 5. The phone number lead to a nursing home 6. Both XXXX and the Credit union exhausted their search to deem this charges as correct and declared them fraudulent 7. These two banks retracted the funds A few months ago I started getting collection letters from a company called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX, ( XXXX ). And since then the harassment has begun. Realizing what had happened in all of the tragedy and despair I was dealing with, not to mention the hardships brought on by the pandemic, I reached out to LENDING USA. Initially, I couldn't get a hold of anyone. Then I was placed on hold for hours at a time. When I finally spoke to someone they referred me to the head of Collections named XXXX ( XXXX ). Unfortunately, this call went wrong very fast. Already ill and hurt by what I've gone through, I tried to explain to him what had happened. He proceeded to chastise me about " why didn't I call them if I was falling behind, '' and I said BECAUSE I WASN'T BEHIND -- THESE TWO NOTES WERE PAID OFF! But he was ignoring that fact. He kept using threats of recording our conversation ... all in all we got absolutely nowhere except to reduce me to tears. This XXXX XXXX said he would ask his boss about retracting the loans from XXXX XXXX. He called me a few days later and said his boss told him not to. You at the CFPB really have no idea of the kind of abuse companies like this put people through. Why did LENDING USA submit for payment something called " private payment? '' And to top that off it was untraceable! This whole thing could have been resolved when I spoke to XXXX, but he preferred to speak to me like a second class citizen, accuse me, and incite tears.
03/29/2023	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	CA 94553	Web
XXXXI have never had an account with this company LENDING USA , REMOVE from all credit agencies from reporting. XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LENDING USA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXXAccording to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
12/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 80013	Web
On XX/XX/2018 I financed a Puppy from XXXX XXXX ( XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ). The total of the finance should have been {$1600.00} ( which I have the receipt ). I was informed that I was approved for the finance charge and was only told to sign the computer screen and that I would be emailed paperwork from the lender in 24-48 hours, which I never received. When my first bill came from the lender ( LendingUSA ), I noticed that it was in the amount of {$1800.00},,,, {$200.00} more than what I was financed for. I contacted the store ( Pet City ) and they stated that I needed to contact the lender ( LENDINGUSA XXXX XXXX XXXX XXXX TX XXXX XXXX ). I contacted the lender and they stated that they charge a {$130.00} fee for opening the account. I informed them that this was not disclosed to me at the time of purchase and all they stated was that I signed the paperwork ( which I did not receive any paperwork from XXXX XXXX ). I called XXXX XXXX back and spoke with the owner ( XXXX ) and she stated that she did not know that the lender was charging a {$130.00} fee for financing with them and that she only charged the amount of the purchase ( {$1600.00} ), which later on, I also found out the company ( XXXX XXXX ) actually charged an additional {$75.00} for supplies I did not purchase. The owner stated that she would contact the financial institute and discuss the issues and contact me back. I did not hear from her for over a week, so I had to contact the owner back to see if there was any resolution. All she said was that I needed to take up the problem with the financial company and that it was not her problem. I informed her that she did not disclose this charge to me before the purchase was made and that I did not receive any disclosure of paperwork from the financial company in the 24 - 48 hours that she said. I feel that she withheld information about the {$130.00} charge, which she claimed she knew nothing about and stated that she would not work with the lender if they are charging the fee. I informed her that I could have put the charge on another credit card, if I were informed that there was going to be charged a {$130.00}. I feel that this is a fraudulent way of starting a line of credit without disclosing any information on the financial charge.
04/06/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 33015	Web
On XX/XX/XXXX I called Lending USA my personal loan and spoke with a guy who was extremely rude and was having a hard time processing my payment correctly so I asked for a supervisor who I forgot his name to help me to make my monthly payment of {$110.00} like I always do without such a hard time as this day he was able to process the payment. On XX/XX/XXXX I check my bank and I see that they refunded the {$110.00} back to my account on XX/XX/XXXX so I called Lending USA to make yet another payment and spoke with a lady who was laughing about the money being refunded back into my account and the payment of {$110.00} was charged again. I unfourtunately do not remember names until the end where Ive been getting super frustrated about something that is not my fault because they are doing something incorrectly on their end. Four days ago I believe I received a call from Lending USA his name was XXXX telling me I was late on payment I advised him this is incorrect my payment was processed again on XX/XX/XXXX and I didnt get a refund back like before he tells me I have to email my bank statement as proof so I do and he said it will take two days to process. Everyday I keep calling for an update I have even spoke to supervisor XXXX and on XXXX XXXX tells me that yes the payment is there on the statement but that it pretty much got lost in their system to call XXXX and dispute the charge and then give a call back to process yet another {$110.00} payment as I did on XX/XX/XXXX. I call XXXX spoke with the claims supervisor they tell me theres nothing they can do that the charge cant be disputed because Lending USA already took the payment so while I have XXXX on the phone I call Lending USA which I spoke with a girl because XXXX wasnt available and XXXX tells them they cant dispute the charge since they took the payment and the girl just tells me they have to escalate this yet again she said it will take a couple of days when its been almost a week and they cant find my payment anywhere in their system and its clearly in my bank statement and cant be disputed. Im afraid I will lose this money and have to pay them twice the amount that I usually pay for a month for this loan it would be like theyre stealing {$110.00} from me just because they lost it somewhere in their system.
06/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75241	Web
Theres a open complaint that is still being investigated filed against XXXX XXXX with Consumer Financial Protection on XX/XX/21 or XX/XX/21, complaint # XXXX. I received another denial letter from LendingUSA that stated XXXX XXXX XXXX has denied me due to the number of inquiries, number of finance loans and my credit score is XXXX on XX/XX/21. Due to the improper denial by XXXX that is being investigated, LendingUSA is checking other bank without my consent and they are currently running my credit report with information that will show numerous of inquiries and open loans due XXXX denial. Also my credit score has dropped since the XXXX denial. My credit score that they provided to me in writing was XXXX with XXXX and currently the credit score is XXXX. I have not given XXXX or LendingUSA permission to pull my credit report again! XXXX or LendingUSA if they are affiliated should use the credit report that they pulled on XX/XX/21 or XX/XX/21 ( at the time the truth & lending agreement contract was signed or before when I first applied for credit. The finance inquiries that XXXX XXXX XXXX is denying me per Credit Bureau reporting is inquiries & open loans wasnt on my credit at the time XXXX approval and it wasnt on the day I signed the agreement. As I mentioned before in the complaint, XXXX was the very first loan that I signed. I did not go with any other Banks until days or week later. It appears that XXXX XXXX LendingUSA is trying to search for other banks now and running my credit ( which will result in denials now due my credit score has dropped & inquiries & open accounts which is almost paid off ) to cover themselves for wrong denial. LendingUSAXXXX XXXX XXXX is denying me based on recent information reporting and not with the information they obtained between XX/XX/XXXX-XX/XX/XXXX when my credit was pulled. My credit score dropped as soon as XXXX did a hard pull which was during that time period. LendingUSA need to stop pulling my credit report!
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07108	Web
Please Remove all this account of all 3 credit reporting agencies 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX Account Number : XXXX This is not mine. 14. Identity Theft XXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 17. Identity Theft XXXX Account Number : XXXX This is not mine. 18. Identity Theft XXXX Account Number : XXXX This is not mine. 19. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 20. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 22. Identity Theft XXXX Account Number : XXXX This is not mine. 23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
09/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA XXXXX	Web	Older American
On XX/XX/17 I contracted with XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Phone # ( XXXX ) XXXX to help with filing my back tax returns. The IRS had already begun to levy my Social Security income for an inflated amount taxes, fees, and penalties. I contracted with XXXX to 1 ) stop the levying of my SS Income. 2 ) File back taxes for six years to correct the amount I owed to the IRS. 3 ) Negotiate a repayment plan with the IRS. Total contracted price to cover their work was established at {$3900.00}. XXXX acquired financing for me through USA Lending ( also known as XXXX XXXX XXXX ). XXXX negotiated a settlement with the IRS and stopped the levying of my SS income after about 3 months. XXXX never filed any back tax returns for me or negotiated a correction in the amount I owed the IRS. I received a letter stating they were then closing my file. I felt they had over charged me for what work they actually done on my behalf. I negotiated with them. XXXX issued a {$2400.00} refund payment to my LendingUSA account. All was then good with XXXX. $ XXXX-XXXX= a {$1400.00} loan amount. Lending USA had charged me an application fee upfront of 5 % on the full {$3900.00} but refused to give me credit for the total loan reduction. LendingUSA just subtracted the {$2400.00} from the total balance owed and continued to charge me interest on that unpaid balance. I feel I was overcharged on the initial loan application fee, as well as interest on an incorrect total loan amount. When I tried to negotiate with LendingUSA, they charged off the account and sold it to another lender, XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting unpaid accounts to the credit bureaus. They both refuse to correct my original loan amount and unpaid balance owed. Their actions are also hurting my credit rating. Please help me with these abusive lenders.
12/27/2022	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	FL 33055	Web
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account Lending USA ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from Lending USA for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. Best, XXXX XXXX
12/12/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	KY 40356	Web	Servicemember
XX/XX/2019 I received an email stating Refund ID : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Refunded Amount : {$5000.00}. I have begun refinancing my home and the underwriters are requiring a Paid in Full letter ( PIFL ) from Lending USA. I began contacting Lending USA on XX/XX/XXXX. At that time I requested a PIFL to be mailed to my PO BOX . When I called to check I was told their system can not load PO Box addresses, I have requested the letter mailed to the Post office street address on XXXX XXXX. Which It never arrived, I have requested the Paid in full letter to be emailed. I have waited substantial amounts of time for each request to arrive. I have received conflicting information from different representatives such as the letter can not be generated and I am to file a complaint with the credit bureau as this should never appeared on a credit report. ( this was never a concern, but to provide information for the refinance only ). I was told to allow 24-48 hours on XX/XX/XXXX for a supervisor to return a call. Today is XX/XX/2019, 5 weeks from my original request and I have not received a PIFL nor a call ; it has been beyond 48 hours. My refinance is held up for this Paid in Full letter and poor business practices from Lending USA. I understand that Lending USA loans are made by XXXX XXXX in NJ. This is not any way to treat any consumer. Plus I had made it very clear I am a XXXX XXXX Veteran, and reiterated the timely need for this letter. I have provided plenty of time to meet my obligations to my mortgage company, but Lending USA has not been able to take care of their end and is the sole reason for my inability to refinance, they have also created substantial emotional distress which has cost me days off from work and lost pay. I am beyond a dis-satisfied customer!
10/02/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WI 53172	Web	Servicemember
since day 1 of being with this company we have had major issues. They keep charging the wrong account and routing number. I have placed multiple phone calls to them trying to them tell to stop doing that since I do NOT use that specific account. I have funds in a special account to pay for this loan payment. I was so frustrated with them on XX/XX/2021 I had called them and I told them I am sick and tired of the XXXX poor customer service they offer. If you look at my account I make my payment way ahead of time for a reason due to my budgeting. The issue is on XX/XX/XXXX I made 2 payments to the account loan so I can be closer to finishing the loan up. At that time a few days had passed I had noticed that the account was drawn from the wrong account where my bank charged me {$40.00}, due to my account for being over drawn since there is no money in that account which is the account I do NOT use. now my account is over drawn the {$40.00} to include the 2 payments I made that added to be XXXX so in total negative account was XXXX. I can't wait for them to refund me my money in 20 days. I need that money back ASAP, I live alone and have no other income. Am I supposed to grow money on trees? Listen to the phones calls that are so call recorded. I was told by a gentleman named XXXX he was going to mail me the check over night and send it to me, not even an hour later I get a call saying that he was no authority to that and he was not sure why he had told me that. Listen to the phone calls, they are liars, thieves, they care about their money and that is it. I urge you to listen to the last phone call on Thursday around XXXX from a gentleman who was so very rude terrible customer service, they way he talked to me is not the way to speak to a paying customer sorry to say.
11/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 936XX	Web
On XX/XX/2016, someone fraudulently leased a puppy from a company called XXXX, which did financing through Lending USA. XXXX is no longer in business, but Lending USA still owns the debt owed for this dog lease. Lending USA has sent the balance of the unpaid loan to multiple collections agencies ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ), and each time I dispute this account because I did not open it. Each time, the collections agency closes the account and sends it back to Lending USA, who sends it to a new collections agency. I have filed a police report, an FTC affidavit, and two CFPB complaints ( one against XXXX, one against XXXX XXXX XXXX ) regarding this issue. The account was opened by someone using the name XXXX XXXX, which is not my last name, and had monthly payments set up with a bank account with XXXX XXXX XXXX XXXX that I have no association with. They also used an address I am not familiar with. I have tried to dispute this account directly with Lending USA, as recently as last week, but they tell me they don't have any documents on file regarding my dispute and when I sent in all supporting documents again, they respond by telling me to deal with the collections agency. I have already contacted the most recent collections agency ( XXXX XXXX ), over a month ago, and they told me they would close the account and send it back to Lending USA. This is a never ending cycle, and Lending USA continues to send this debt out to different collections agencies instead of dealing with my fraud claim and closing this account. I do not owe this amount to Lending USA, I have years of documents supporting my claim, and I am not sure what needs to happen to clear my name from this.
09/15/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 759XX	Web
I have received several calls from XXXX with XXXX. She informed me that it was for my Lending USA account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her XXXX XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.
01/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WY 82001	Web
I Purchased a dog at XXXX XXXX in XXXX Wy, I was told I was approved for a loan with Lending USA and that the paperwork would come in the mail to me. They asked for my physical address and I explained I can not get mail at this address. I gave them both my PO box and physical address. I was told I would qualify for 6 months same as cash. I made this purchase the end of XX/XX/XXXX. I never received anything in the mail, I called Lending USA in XX/XX/XXXX to ask what was going on and they said they would email me the information. I never received an email and I went online and made a XXXX payment of which it did not leave my bank for a week. I then called and made this XXXX payment again over the phone after that I made a XXXX payment in XX/XX/XXXX and a XXXX payment in XX/XX/XXXX never have I received any information on how much to pay or when the payment is due and I have called them several times. I asked about the payoff and it was a lot more then I thought. they said because I was late due to never getting paperwork I lost my no interest. I filed a complaint since they did not mail it to me and they stated they did to the physical address which I can not get mail. I feel this is fraud to get the consumer to buy and then take them for a large amount of interest. They say I still owe {$700.00} for a {$1900.00} purchase and I have already paid {$1700.00}. I want help to resolve this as it is unfair, I have never been late on any of my cards or loans. I have no idea how they are being able to get away with this.
12/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 206XX	Web	Servicemember
Due to COVID19 I defaulted on a loan from LendingUSA. LendingUSA sold the debt, over a year ago, to XXXX XXXX XXXX XXXX XXXX ( collections ) during the Pandemic shutdown.. On XX/XX/2021 I paid the debt to XXXX XXXX XXXX XXXX XXXX. I received an update on my Credit Report from XXXX and XXXX, that LendingUSA, who no longer owns the debt, reported my loan as Delinquent on XX/XX/2021. This Debt is paid and has been for over 2 months, therefore this account is not delinquent. The original creditor can't continue to report a balance due if it has sold the account to a collections agency. However, it can report a charge off, which remains on your credit report for seven years, even if you pay off the debtwith the original creditor or via a collections agency. This inaccurate reporting has dropped my credit score. At this point I feel I need to get an attorney and file suit for defamation, contact the FTC and take severe actions. Companies need to learn there are rules and severe repercussions. I demand an immediate retraction as the information reported by LendingUSA is not accurate and fraudulent as they do no own the loan and have not for a long time. While I am responsible for the default, I am not responsible for erroneous credit reporting. Actions like this, that companies take out of vindictiveness, can impact people 's lives in a very big way, it's not a game. Thank you, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, Attorney General, MD.
03/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NM 875XX	Web
I called XXXX XXXX to get help resolving a tax issue. XXXX XXXX said they would negotiate for me. they arranged a loan with Lending USA to pay for XXXX XXXX XXXX services. XXXX XXXX then told me that they could not negotiate for me, and so could not provide any service to me. Apparently, XXXX XXXX accepted payment from Lending USA for providing no services to me. I complained to Lending USA, informed them that I received no services, that Lending USA would have XXXX to pay if they attempted to collect from me, and if they affected my credit report. Lending USA then sold my phoney loan to XXXX XXXX XXXX, who is now attempting to collect over 6,000.00 from me. lending USA has put a negative item on my credit report. lending USA claims they are not involved anymore and will do nothing to remove the negative item. An important, vital refinance of my home is falling through because of lending USA 's negative item on my report. I have a 10 plus year career with the Federal Government, and negative credit report items may cause me to lose my job as well. Consequently, a lawsuit I will file if my name is not cleared could reach into a very high amount of actual damages due to the completely careless and immoral activity of XXXX XXXX and LendingUSA, who worked together to defraud me, and to rip off XXXX XXXX XXXX, and potentially cause irreparable economic damage to me and my family.
09/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	XXXXX	Web
In XXXX I signed up for XXXX treatments and booked some appointments. I did a payment plan with a third party to help me pay for it. A few hours later i decided to call and cancel all services due to personal reasons. The manager was telling me that I could not cancel it because of the third party and because there is no refund. I have asked her to give me the number of the third party so I can call them and explain to them the situation but she told me that she had no idea who the third party was. The manager then told me that she could cancel all appointments but that the third party was still going to bill me either way. I had to wait for the third party to mail me a bill so I could call them and explain the situation. The third party explained to me that it was too late because they have already sent over the fund, that the only way they will stop sending me a bill is if the XXXX XXXX company would send over an email explaining that I've canceled all services. The third party sent over a few emails to them for months and still no response. I even contacted them a few times and no results. I've been dealing with this for months and it is affecting my credits and I am not paying for something that I did not get any services from. On XX/XX/2018 I filed a compliant with the XXXX XXXX XXXX. They tried to reach out to the XXXX XXXX store in XXXX Ma but no response from them.
04/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77506	Web
I received this email saying this : XXXX XXXX Thank you for showing your interest in the Loan with us LENDING USA and this is the confirmation Email to let you know that the loan application has been approved Please call us back on our number or reply to this email so that we can call you and explain the terms and condition of this loan. Also we have mentioned below the monthly installment plan for the loan of amount from which you can choose any of the following you are comfortable with and you can pay up your loan back with easy monthly installments. To know more about monthly installment plans for this loan amount please call us back on the number below. Furthermore, we would like to share that once the loan is transferred into your account the first monthly installment will be due within the first 30 days on the date you will give the authorization for. For more information you can get back to us on our number given below or reply to us on this email. We look forward to hearing from you. Please find the attachment. Thanks and regards, XXXX XXXX Sr. Loan Officer, LENDING USA XXXX phone number : XXXX ( XXXX ) XXXX XXXX LENDINGUSA So when I called to the main office they said that my loan doesn't exist and to report it because a lot of people are getting scam from this same person.
10/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NY 13069	Web
I took a loan with LendingUSA in XXXX, starting in XX/XX/XXXX. I was to pay {$130.00} until XX/XX/XXXX, which I did on the due data of the XXXX of each month. Apparently once payment did not go through so that I was charged Account : XXXX. I received emails from the company until XX/XX/XXXX. I contacte dthem to let them know that I moved and provided my new address. My phone number has not changed though, and my email address either. In XX/XX/XXXX, I was informed by my credit monitory system that LendingUSA has flagged me for 30 days late. I was surprised since they took {$130.00} on XX/XX/XXXX, therefore was expecting that they would continue debiting my account until the different fees were paid off. Thye had not contacted me before glagging me 30 say late. I contacted them to tell them of the mistake - both continuing to take from my account as agreed, and flagging me 30 days late. In spaite of everal phone calls and emails, they refused to change the reporting and said that they would continue to flag me late and take from my bank account. I told them to stop taking from my bank account is they were going to continue flagging me late - now 60 day late. My credit has dipped more than 30 points due to this and is preventing me from getting a mortgage.
08/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33024	Web
I have been working with this company for months! They lied when they reported about my payments to the credit bureaus I was never late. They told me in XX/XX/XXXX that apparently payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX were returned which they should have informed me immediately when it happened. They waited months then decided to report me even though I had just spoken to them and sent them bank statements showing XXXX through XX/XX/XXXX were fine and on time. They said oh ok that’s good we updated that those months were ok but XXXX and XXXX I couldn’t get because my husband’s bank account had been closed and he couldn’t go that far back in statements. I was working with them to resolve the issues and yet they screwed up my credit for I don’t know what reason. I then received a letter from my husband’s bank explaining they made a mistake and that in XX/XX/XXXX they recharged my husband for those missed payments. I sent the company this letter over 3-4 times by email proving they were paid the XXXX! Every time I asked them about it no one had a clue where those XXXX went so now this money some how disappeared and no one knows where it is. I am beyond XXXX XXXX with this company I have also reported them to the XXXX.
02/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL XXXXX	Web
On XX/XX/XXXX, I purchased a puppy at XXXX in XXXX, FL. In order to complete the purchase, I required a loan which I obtained via LendingUSA. The loan was made online in XXXX using their computer. I opted for the interest free loan if paid off in 6 months. I paid my 1st payment on XX/XX/2021. I owed {$170.00}, but paid a little less than 1/5 of my loan. My first payment was {$1000.00}. To my shock, only {$950.00} of the {$1000.00} payment was applied to my principal balance. According to the terms of my loan, I should not be paying any interest. I called the company on XX/XX/XXXX, and was told they are charging me interest and will return it IF and when I paid off the loan in 6 months. This is NOT the terms of our agreement. I called again on XX/XX/XXXX, and was told after supplying both my social security number and loan number that they could not find my account. As a result, I mailed a letter to their billing department in XXXX, TX on XX/XX/XXXX, using priority mail. In addition, I called XXXX XXXX ( the division of XXXX that services FL ) and started a claim with them. I also emailed them a copy of the letter I sent LendingUSA. I want LendingUSA to honor the terms of my loan.
11/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 229XX	Web
I had to take a loan from LendingUSA to pay for my husband 's cremation in XXXX of 2021. I had to request a deferment while waiting for Social Security to start for me The company was very accommodating and I appreciate that ... .however they made my payment due date on the XXXX of the month which is a problem because I don't receive benefits until the XXXX. They will not accept payment over the phone with my government issued debit card because it's not linked to a bank account. I spoke repeatedly with their reps to no avail. I thought I had finally made some progress when XXXX said he could get my card approved for payments and could change my due date to the XXXX XXXX of the month. He did change my due date but my card is still not accepted. He also failed to tell me you can only ask for this change once. So now I'm getting hit with a late fee EVERY month as well a barrage of collection calls every month which causing my credit to take a hit. I've tried to address this with every rep who calls me and they ignore me or say there's nothing they can do ... ..I 'm a XXXX on a fixed income please help!!
07/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL XXXXX	Web	Older American
Incorrect and misleading information provided to your organization- I was refused and they stated XXXX was the provider of the credit information who could not establish my identity! You have multiple filed reports one for XXXX and the others on the other three credit bureaus. Their reply- " LendingUSA has reviewed XXXX XXXX XXXX compliant and has concluded its investigation. Please see below for findings. 1 ) LendingUSA 's decisioning software was unable to pull XXXX XXXX 's credit based on there being a security freeze that XXXX XXXX placed ( see attachment XXXX- CR Redacted ). XXXX XXXX would need to remove the freeze in order for LendingUSA to have permission to access his credit report and make a credit decision. 2 ) LendingUSA has not retained nor is associated with XXXX XXXX. 3 ) Currently, LendingUSA only utilizes the services of XXXX when pulling credit reports for credit decision purposes. '' I subsequently received a loan even with the security freeze on. By opinion they claim they provide " bad credit loans '' In my opinion a easy way to get rid of me. I call it misrepresentation!
09/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	TX 76227	Web
I applied and received a loan from this lender, Lending USA ), on XX/XX/2023 I did everything online, the money was deposited, and everything was going right until the moment I asked to access my account online, so I could make payments and see statements. Since I received the money, I have been trying to get access, they said their IT needs to resolve the problem. there is a problem with my account, I have been trying to contact them almost every day to get this resolved, so I can make the payments, and due soon, but i can not pay it They always say " We will contact you in 3 to 5 days '', A month has passed, and nothing... I have called them almost every day, but nothing has happened. I have requested to talk with the supervisor, I did speak with him once, but after that, he refused my calls, His name is XXXX XXXX. I just want to pay the loan, but I can not, I want to see my account, but they don't allow me ; I want to fix the problem, but I can't ... poor customer service.. at this point, I am ready to get another loan and pay them in full so i dont have to deal with them ... ever
06/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 11967	Web
On XX/XX/XXXX I made the payment for my loan, 2 days later I got an email saying my payment was late so I went on and made the payment again. Next day I realize I made XXXX payments, I called lendingusa and asked if they could move the additional payment to the following month 's payment and I was told yes no problem. XX/XX/XXXX I get an email that my payment is late. Today I called lendingusa and I was told my request to move my payment was denied and they applied it toward the principal. I asked to speak with manager XXXX and he told me there is nothing he can do about it and I need to make the XXXX payment. I asked him why was I not contacted and told this so I could have requested a refund and then used it to pay my XXXX bill and I was told that's not there responsibility. How is it not when I was told my payment would be moved to the XXXX payment. But they kept my money and made interest on it and now want me to make another payment. I told them you can refund me my money and I'll pay my XXXX bill with it. Then I was told that will take XXXX weeks and then you will have a late fee.
01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 751XX	Web
This complaint is to report the inaccurate credit reporting by XXXX. The account FA - LENDING USA XXXX should be immediately deleted from my credit report due to incorrect information. I never had a charged off account with this company. Also, FA - LENDING USA has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Also, if an account is charged off then I should have received a 1099c from the company and I did not receive anything. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.
04/14/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	NY 147XX	Web
Loan was paid in full on XX/XX/XXXX resulting in a over payment of around {$650.00}. Few days after loan was paid, I called and requested a refund on the over payment. Towards end of XXXX, I called to see what the stasis of my refund was and the gentlemen stated a check was mailed on XX/XX/XXXX and due to the pandemic, the postal services were being delayed even though I've received all other mail correspondence pertaining to the loan being paid in full. I also checked with my local post office and was told that there were no delays in the mailing service and everything is on schedule. So I waited and called them back on XX/XX/XXXX and let them know I still haven't received the refund check. Now they tell me the check was not mailed on XX/XX/XXXX but was mailed on XX/XX/XXXX. Today is XX/XX/XXXX and still haven't receive my refund. After checking into this loan company, I see they have multiple complaints against them for doing the same thing and giving consumers a hard time refunding money with the XXXX. These complaints stem back several months way before the pandemic.
04/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 145XX	Web
On XX/XX/2021 I got a personal loan from Lending USA, as I'm on full social security XXXX, trying to make ends meet. This so called " bank '' pulled a predatory lending practice and scheme on me that imposes unfair and abusive loan terms, a jaw dropping interest rate at the tune of nearly 21 %, stripping me of any money I have to live on. This bank 's deception to get me to take out a loan I couldn't afford when they approved me and can't afford now with the high living costs is a pure predatory lending scheme they baited me into. I made attempts with this bank, by phone, to lower my interest rate or allow me to skip a month or XXXX ( putting loan missed on back end ) but they instill fear in me by telling me that a ) they won't lower the interest rate to allow me to survive and make ends meet and b ) they allow any extensions and c ) if I don't make payments as promised they will destroy my credit by contacting the credit bureaus as a fear tactic to force me to pay their 21 % interest that they knew in advance I couldn't pay for BEFORE granting me the loan.
07/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 346XX	Web	Older American
An Attempt to secure a loan through LendingUSA was negative- declined due to they could not identify me. http : //lp.lendingusa.com/lending/1/? utm_source=ppc & utm_medium=cpc & utm_campaign=Bing I was under the impression no credit check would be done but subsequently found out they used a company called XXXX [ " XXXX XXXX XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] XXXX partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact LendingUSA proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. Lending USA was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
04/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 307XX	Web
Loan taken out with Lending USA at XXXX of XXXX. Originally spent {$2700.00}. This was cost of puppy, and all the dog food, vitamins, crate etc that the store said I needed. If I didn't use their dog food and their vitamins then it voided the warranty on the dog if something happened to it. Needless to say there were many vet trips due to XXXX XXXX, XXXX XXXX due to it being in a crate and had swallowed XXXX among other things. I have already paid of {$1500.00} on the account and they are only showing my balance down to {$2700.00}. If this is the rate, it will never be paid off. The terms given to me by the rep who did the financing and what I have actually ran into have not been accurate. They are applying little to my principal and I feel I was over charged for the dog at {$1600.00} when I realized people made offers on dogs and they took them. I was never told that was an option. I feel like they are using these poor animals and just scamming people.
02/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21220	Web	Older American, Servicemember
In 2019 I made a loan for {$8000.00} from Lending USA or XXXX XXXX XXXX account number XXXX. I just received a bill for {$4900.00} dated XXXX {$4900.00}. I have paid over {$10000.00} for this bill. I have had my banks give me statements documenting the payments. I am waiting for 2 additional statements that reflects payments directly to Lending USA for over {$1300.00}. Here are the dates from my account with XXXX XXXX XXXX XXXX : XXXX - {$500.00} XXXX - XXXX XXXX XXXX XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} Please help me obtain a record of all payments from this company? Because I am sure I dont owe them {$4900.00}. I am waiting for bank statements from my credit union.
06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11238	Web
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
06/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30238	Web	Servicemember
I tried to reach out to Lending USA. They confirmed that my account shows I only had three deferments which totaled {$960.00} because my XXXX funds where messed up during those times and I notified them of those issues in advance. I was set up on auto drafts once my XXXX income was corrected. My monthly payments was {$320.00}. I called to get my last payment date when one rep told me to call on XX/XX/2021 to pay {$320.00}. And now my final bills totals {$1700.00} for past due balances that I was never aware of cause every month only {$320.00} would be auto drafted from my bank account. I don't understand how three deferred payments ( {$960.00} ) doubled to ( {$1700.00} XXXX like that. Its not my fault that their automatic system drafted my payment on the days that it did. I strongly believe that my final payments on XX/XX/2021 should only be XXXX which makes up for the three deferred payments I had.
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33055	Web
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.
10/28/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 28214	Web
I believe I have been defrauded by a predatory conspiracy between XXXX and XXXX XXXX XXXX XXXX XXXX. I sought help from XXXX XXXX XXXX XXXX XXXX to assist with a tax bill dispute with the IRS for which I believe I have a legitimate XXXX XXXX defense. XXXX XXXX XXXX XXXX XXXX partnered with XXXX to provide me a high interest loan to pay its legal fees while providing little to no service. XXXX is a principal partner in the conspiracy as without LendUSA participation, the scam would not be able to occur. XXXX, in essence, provides the financial backing to the scam. In my opinion, the arrangement between XXXX and XXXX XXXX XXXX XXXX XXXX is a conspiracy to defraud. To defraud not only me, but the U.S. government as well : Monies I could have been paying toward my outstanding tax bill, have been diverted to XXXX and XXXX XXXX XXXX XXXX XXXX. This conspiracy is unfair, deceptive and abusive.
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30236	Web
This complaint is in 3 parts sense it involves XXXX different companies ( maybe ). Part 1 : XXXX XXXX XXXX ( XXXX ) ; currently I am having a problem with the IRS and a notice went out to all tax accountants in the land by law ; well I received a call from XXXX on or about XXXX XX/XX/XXXX telling me how they can fix my problem with the IRS. The Rep said he can a XXXX debt to a XXXX settlement for XXXX just simply hung up. So tried to call XXXX back, but no answer, I tried calling the for days, weeks, and never herd from them again. I called the IRS about later and the IRS never had XXXX listed listed on my form XXXX authorization to perform as Power of Attorney, nor have they heard from them ; there has been no settlement reached or discussed. This is a pure scam involving one company trying to act as three or what. The two financial companies are demanding payment; PLEASE HELP!
06/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 328XX	Web
On XX/XX/2019 Lending USA agreed to a settlement for a debt in the amount of {$6700.00}. They agree to debit my account XXXX on record from the XXXX XXXX XXXX XXXX. According the document supplied from XXXX XXXX XXXX XXXX they never attempted to withdraw funds on any of the dates according the agreement they prepared and agreed too. I recently found out the account was sold to XXXX XXXX XXXX , XXXX for {$19000.00} and it's being collected on their behalf from XXXX XXXX XXXX of Colorado. Now both Lending USA and XXXX XXXX XXXX , XXXX are reporting me to all three credit bureaus in the amount of {$19000.00}. As a consumer both companies are trying to take advantage of me on behalf of the lender XXXX XXXX XXXX. I want this remove from all three credit reporting agencies and to consider this debt satisfied because I kept my agreement but the collection debt holders broke the agreement.
10/08/2018	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	PR 009XX	Web
I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33055	Web
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. Best, XXXX XXXX
01/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77021	Web
My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently. Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX XXXX XXXX XXXX XXXX XXXX ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.
07/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA XXXXX	Web
I have had this loan for almost 3 yrs. I am about 3 months from paying it off. My payment due date is XXXX of each month with a 15 day grace period ( XXXX of following month ). I have always took advantage of the grace period paying between XXXX or XXXX of each month. I went to pay online yesterday, to pay for XX/XX/XXXX due date and they had my account locked so I could be not pay online or via automated system to force me to speak to their loan officers. I remind you, technically, Im not late until after the XXXX. They call me constantly harassing me as if I'm in default when I'm not. I have paid every month on time. They have no business altering my account to prevent me from paying online. Again, after paying this way and date for almost 3 yrs, now they are trying to interfere with me from paying this way.
08/23/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MA 02492	Web
I received an " Adverse Action '' notification from a company LendingUSA affiIiated with XXXX XXXX XXXX. I have never heard of these companies but they took an application in my name and pulled credit. I never gave this company my personal information and I never gave them authorization to pull credit. The letter states that I was denied a loan but i never applied for a loan with this company. The people who work at this company will not give me any information, they are rude, condescending and one person ( XXXX XXXX ) hung up on me. Teh other person is the fraud department, XXXX XXXX would not provide any information to me and told me to file a report if I wanted to.
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 601XX	Web
My name is XXXX XXXX was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX Lending USA XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX and XXXX lending but XXXX lending is not in charge of account XXXX XXXX has it there a mix up on my credit report with XXXX it has XXXX lending as current account holder but they dont have it no more XXXX XXXX has but never reported this is weird I have excellent credit this is XXXX me please help
10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34982	Web
I made an agreement with Lending USA to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told Lending usa could not help me. I was told by the collection agency that they would report it as paid to Lending USA and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33024	Web
A former friend of mine mislead me and used my private information to take out a loan at lending usa & open a credit card in my name at XXXX in XX/XX/2023. I was not at XXXX in person to authorize this yet it was still approved. They had access to my email along with other personal info. {$7000.00} at XXXX & {$6000.00} at lending usa. I spoke with a supervisor at lending usa but they are not being helpful. I disputed on my credit report but both were denied. This has been causing me mental distress and I really need this resolved. Thank You
07/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CO XXXXX	Web	Older American
Received an email regarding Adverse Action from Lending USA regarding a debt consolidation loan application that I did not submit. When contacting Lending USA to report potential ID theft or fraud, non-English speaking representatives would do nothing but refer me to the FTC. They also admitted that they did not have a Security Compliance Officer as required by law. They promised a call back by a " supervisor '' in 10-20 minutes which did not occur. They also refused to remove my personal information from their database for " 480 days. ''
06/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33169	Web
In reviewing my credit report, I noticed a 30 day late payment reported for XX/XX/2020 which is incorrect. I had contacted XX/XX/XXXX for a forbearance and was granted it and was to receive a document to sign and return. Due to technical issues, I received the letter late but ultimately signed it and returned it. After calling, I was told that there is no payment history on their end being reported for XXXX & XXXX off XX/XX/2020 however I am showing a 30 day late payment after being granted a forbearance for XXXX and XX/XX/2020.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11238	Web
the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.. 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
12/21/2022	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	MD 20770	Web	Servicemember
They keep reversing transactions for payments I made then had me go purchase gift cards for the " small loans they gave me '' but the money was never a loan to begin with, which I found out later. They promised to reverse all of the money but their " server went down '' and I never received the money back nor did I receive the loan. I have all of the gift cards and receipts for the money sent them. I did contact XXXX ( one of the places I purchased gift cards from ) but was told I was out of luck.
05/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	LA 70570	Web
Contacted Lending USA in regards to other loan products and was told by two different reps that I qualified for a second personal loan. I then went online and was pre-approved. Once called by another rep of Lending USA, I was told that I did not qualify for a second loan and could only be approved for a loan to pay a merchant. I then called Lending USA back and asked to speak to a supervisor. I was told to expect a phone call from a manger by Monday, XX/XX/19. As of XX/XX/19, no one has called me.
10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95820	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
03/09/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27858	Web
I have had a installment loan with Lending USA for over 42 months and have paid on time. I have never been late on this payment not XXXX single time and have the payment receipts online to show. They are now reporting that i am XXXX past due which is adversely affecting my credit and the inability to close on a mortgage at the moment for my family. They have refused to look into this error and i need this done immediately as the records will show the payments were made sufficiently.
11/19/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32506	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : XXXX - LENDING USA Account Number : XXXX Monthly Payment : {$160.00} Date Opened : XX/XX/2016
11/19/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32506	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : XXXX - LENDING USA Monthly Payment : {$170.00} Date Opened : XX/XX/2017 Balance : {$2700.00}
06/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 27858	Web
I have made several attempts to contact LendingUSA concerning my balance that is not decreasing and i overpay each month. I was hung up on three times by this company on XX/XX/XXXX trying to obtain my payoff and historical payment history to determine what i owe. I do not know why they are denying me this information or feel the need to hang up up a customer who overpays them, but this is the response i get when i reach out to obtain my information concerning this loan.
05/01/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33024	Web
I already filed a totally different complaint against this company please dont close this as it is a different issue with them. This account was rightfully removed from my credit report as I was scammed by a former friend and it was reported to the police ( report attached ). However this shady company is calling me every single day leaving messages from different random Florida numbers! The responsible party for what theyre after is listed in the police report!
11/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60657	Web
My husband and I went to get a puppy to XXXX XXXXXXXX, we got pre approved through a lender called LENDING USA. They had stated I was approved for XXXX dollars loan upon checking and verifying my ID. Which they did. We chose the puppy, got attached to it the minute we saw her, they took our down payment and they denied us after taking the money, stating my XXXX was not valid because they needed me to be a citizen or a XXXX This act of discrimination is not ok
05/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30331	Web
I recently submitted a complaint of in accurate late payment from Lendusa. They had 1 late payment listed for XX/XX/2019. Now all of a sudden I have 3 late payments from XXXX, XXXX and XX/XX/2019. This is causing a affect on my report in the midst of purchasing a home. I have never been late and had agreement for a deferral. I have contract and email. How can they all of a sudden report 3 late payments a year later this dont make any ethical sense
06/07/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07302	Web
LendingUSA does not allow the option to cancel payments online, and they shut down on Sunday 's and holidays. I was told when I signed up for this loan that I could cancel a payment any day of the week. This is not true. This caused me to get a fee from Lending USA as well as the personal loan company. When I spoke with Lending USA, the reps were rude and not helpful and could not get me the fee credited. They are very unprofessional.
01/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ XXXXX	Web	Older American, Servicemember
I have been contacted three XXXX 3 XXXX times between the hours of XXXX - XXXX XXXX today ( XXXX XX/XX/2021 XXXX about a payment that is on automatic withdrawal for the XXXX of the month. This payment date was clearly established by me with the company ( XXXX ) through the website XXXX. Despite the fact that I have had to repeatedly tell these agents that my payments are automatic, they are harassing me. I want it to stop.
11/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98661	Web
This letter is to advise the Consumer Financial Protection Bureau of Lending USAs complete disregard for the terms and conditions that govern the, what I believe to be a usurious, consumer loan. Since XX/XX/XXXX Lending USA has not correctly applied the payments made as set in the contract signed XX/XX/XXXX. A letter containing relevant documentation will be attached to this complaint.
11/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	CO 80031	Web
Im am constantly charged fees for payments days after. I was short a dollar in my bank account and they charged me a {$120.00} dollar fee with no bill sent and not explanation then call me 28 days later saying they are collecting my debt. I cant pay my loan back if they keep charging these fees. They are non negotiable and Im and exhausted financially because of them.
09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29926	Web
This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX of 2022. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
06/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91307	Web
LENDING USA ARE AN UNSCRUPULOUS AND XXXX COMPANY! THEY CHARGE ALL OF THE INTEREST UP FRONT WITH XXXX " ORIGINATION FEES '' OVER 60 % INTEREST ON SIMPLE LOANS!!!! THEY OVERCHARGED ME HUNDREDS OF DOLLARS OF INTEREST ON A LOAN THAT I HAD FOR ON A COUPLE OF WEEKS. PLEASE LOOK INTO THIS BUSINESS XXXX BUSINESS PRACTICES.
06/29/2021	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	NY 11219	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
I have these accounts that are not mine and i want them to be removed. 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
12/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Old information reappears or never goes away	NC 27858	Web	Servicemember
Lending USA has made errors in regards to my billing at which i have never been late. have reported past due payments which they fixed but now has come back again as well as sending me notices recently saying my account is past due AND IT HAS NEVER BEEN LATE!!!!
02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 10458	Web
LENDING USA accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
10/16/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78155	Web
I financed XXXX XXXX XXXX XXXX with XXXX XXXX XXXX spa on XXXX. They closed their company permanently without notifying me. I am still having to pay the finance company and have not received the services.
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98042	Web
LendingUSA is reporting negative information to my credit report. -Two year payment history is not updated. -Payment status incorrect -Date last active incorrect -Date of last payment incorrect
11/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MI 48066	Web	Servicemember
On XX/XX/2020 i sent the company a certified debt validation letter. It was received and signed for on XXXX XXXX, 2020. As of XX/XX/2020 i have not received any response from them.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95677	Web
LENDINGUSA # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!
10/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92562	Web
Debt was result of identity theft, I do not owe this debt, have disputed debt but the agency wont remove from credit report.
01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33328	Web

01/17/2024	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77021	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49010	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60617	Web

08/23/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OK 74106	Referral

08/03/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33015	Phone

04/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CT 06423	Web

03/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32904	Phone

03/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	LA 71108	Phone

03/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 38133	Web

03/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 22835	Phone	Older American, Servicemember

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33317	Web

09/28/2022	No	Mortgage Home equity loan or line of credit (HELOC)	Incorrect information on your report Account status incorrect	CA 91607	Referral

09/26/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 34771	Web

09/24/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91607	Web

06/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48046	Web

05/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MT 59860	Web

03/15/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 10304	Phone

01/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92629	Web

12/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30019	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94115	Web	Servicemember

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75216	Web

10/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46016	Web

08/13/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WA 98499	Phone	Servicemember

08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33133	Web

07/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70058	Postal mail

07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07108	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89160	Web

05/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32792	Web

04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31604	Web

12/25/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08502	Web	Older American

11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30274	Web

11/13/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33024	Web	Older American

11/08/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08502	Web	Older American

09/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33024	Web	Older American

08/28/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32792	Web

08/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21117	Postal mail

08/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92052	Web

05/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92082	Web

05/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	NC 27030	Web

04/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76006	Postal mail

04/25/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	FL 33133	Web

04/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NJ 07078	Web

03/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 43068	Web

03/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90503	Phone

12/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MI 49505	Web

11/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94806	Postal mail

06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30076	Web

11/24/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 91360	Referral

07/17/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit		Phone

12/29/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 91335	Postal mail

12/23/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92841	Web