OpenRoad Lending CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/27/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	SC 295XX	Web	Servicemember
I sought to refinance my car loan through Open Road Lending. Over the phone on XX/XX/XXXX I was told that the refinance loan funded that date and that the check was mailed to my prior lender, XXXX, who could expect to receive the payoff check in two days. On XX/XX/XXXX XXXX still had not received the check although I was being charged interest finance charges on the new loan as of XX/XX/XXXX, and also being charged finance charges and interest, and now also late fees by XXXX because the payment was due on XX/XX/XXXX on the original loan. On XX/XX/XXXX I contacted Open Road asking for the status of the payoff to XXXX, and hours later Open Road reported that they mailed the check that day, XX/XX/XXXX, to be delivered by XX/XX/XXXX. XXXX claims a 10 day process time for payoffs and is charging me late charges and interest and threatening adverse credit reporting. I asked Open Road to either revise the loan document to reflect a loan as of XX/XX/XXXX, the date the loan check was cut and mailed, or to refund me the finance charges accruing on their loan since XX/XX/XXXX, given that they forgot to mail the payoff check to XXXX. I also asked them to refund me my late charges by XXXX, which has been charging late fees now since XX/XX/XXXX, and for guidance on how I am supposed to now make TWO CAR LOAN PAYMENTS to two different lenders in the interim, and advised them that they can not switch the title as lender from XXXX while that company has an active loan and security interest. They also switched my car insurance to benefit them as the lender, not XXXX, even though it'll be another 10 days before XXXX processes the loan payoff. This all seems highly unlawful to me to charge interest on a loan 10 days before it was actually funded. Additional complaints about Open Road : Open Road also tried to add " GAP '' insurance to the loan without asking me first, for {$800.00}, and then flat out lied in an email saying that we discussed it when we did not. And dithered on removing that coverage while stating that adding the GAP charge to my loan " wouldn't it be easier to finance the {$800.00} NOW then to have to come up with the {$1200.00} later. But let 's look at the odds that I would I have to come up with that later. That GAP does not come into play at all unless : ( 1 ) I completely total the car ; ( 2 ) within the next 6 or 8 months before the loan is paid down below that GAP ; ( 3 ) the totalling of the car is entirely my fault and not the other driver 's ; and ( 4 ) only if my car insurance does not cover the GAP by paying the loan value ( which is a policy caveat that only costs a few dollars to add ). So I find that extremely shady to add that and then hem and haw to remove it, and rationalize it as though I will have to come up with {$1200.00} so might as well finance it now to HELP ME OUT. Open Road also wanted to " lower my payment '' by extended out the length of the refi back to its original 72 months and I had to insist in order to get a 60 month payment plan. Open Road also then assigned the loan to XXXX XXXX, who seems to have no website for making payments, but charges a late fee immediately on the day following the payment due date. And the payments must be sent by snail mail and also be attached to the CURRENT monthly payment stub which is only mailed out in the current account statement, thus creating plenty of opportunity for a late payment to occur while I am waiting for the correct stub in the mail and then sending the check for payment back " attached to the statement '' ( they also don't even enclose an envelope ). All of this is highly questionable and I will be refinancing again ASAP. In the interim I do not think I should be paying finance charges on a car loan that did not exist on the " funding date '' or even for another 10 days because they forgot to fund the loan.
04/11/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL XXXXX	Web	Servicemember
I made an application with Open Road Lending to refinance my vehicle loan. I was originally offered a rate of 14.25 % and then on XX/XX/XXXX I received an updated email from XXXX XXXX stating that they were able to lower the rate ro 11.25 %. I accepted the terms, cancelled an application with another lender that had a 13.99 % rate as these terms were more favorable. I signed all of the documents required including the POA and title docs. I overnighted those documents back to Open Road on XXXX for a receipt date of XX/XX/XXXX. I received confirmation from my representative that they received a documents sent via XXXX. Then at XXXX on XX/XX/XXXX I received another XXXX request without an explanation with terms that have changed to 14.52 %. I called and a representive stated that it was only because the that was the payoff was higher than they initially had on the fully executed contract. I asked for a supervisor. Then I spoke to a supervisor named XXXX XXXX that confirmed what the rep said and couldnt explain any other factors for the reason for the rate change. I asked him when I should have been notified by my assigned rep XXXX XXXX. He said she called me at XXXX and left a voicemail. I asked him to pull the call. He then acted as though he did, didnt even put me on hold and then acted as though she had left a voicemail. I asked why I didnt receive an email explaining any of this and he didnt have an answer that I just needed to sign the docs. I work as a XXXX XXXX XXXXXXXX and retain all of my voicemails for my own auditing and service process. I asked for the info for the executive office or office of the president. He said just to call back and I could speak to them but they had left for the day. They are available M-F XXXX XXXX XXXX. I then asked to speak to a supervisor of his. He transferred me to XXXX XXXX. She then explained that when the rate was adjusted from 14.25 % to 11.25 % it was an error on their behalf based on the LTV calculations and there was nothing she could do to assist. I then asked for who handles complains and why XXXX or the prior rep didnt know that. The LTV used for the 11.25 % calculation was based on a LTV of 105 % instead of the actual LTV of 136.12 %. I told her that I already signed a contract and why wasnt it being honored. She said she didnt have an answer to that. I explained how I had cancelled the app with another lender and how this is now putting me in a worse financial position because of This. I then asked who handles complaints and for the executive office. She said that they dont have an office of the president or escalation process other than filing a complaint with her and she escalates it. I asked her to file a complaint against XXXX, the rep that answered the phone, and XXXX for misleading and deceptive information. I then asked her if they were going to honor the rate I signed and she said she didnt know. That I could pay the balance down in order to get the 14.25 % however every day my balance increases and my value decreases. I asked her for the emails and names of the CEO, COO, CFO and market director. She provided those. I then confirmed with her the information that is being contained in the complaint and she obliged. She did not have a timeline for a response from the CEO or President. This is absolutely deception and misleading and I was the rate that I signed for. I want the rate I signed the contract for honored.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33510	Web
open road lending refinance company. when i first looked at XXXX XXXX list of refinance and information. open road starting calling me about my loan for personal or refinance auto. i told them no i do not want their services and their apr is above 200 %. that is not for me. i started to get phone calls over several times a day about 2 months ago and told them stop calling me and stop looking into my credit. i do not want anything from open road, especially after i spoke with a representative and she told me i qualify for their loan of XXXX i told no i did not request for that if anything i looked into other options XXXX XXXX offered and just use the estimate calculator for a XXXX loan. she said okay we can do that at above 200 % apr i said no do not use my profile and stop calling me i do want your services also stop running my refinance of auto i already was approved back in XXXX - XXXX 2021XXXX as of today i got another hard hit on my auto history credit report all three major and still still being denied by the same company open road lending refinance application number as of today XXXX XX/XX/XXXX2021 i did not request for anyone process any loan auto. i want every and each of auto credit companies that continue to deny my auto refinance to remove from my credit history especially from open road lending refinance company. Also a male customer service rep was calling me over and over for me to agree on any loan i told him to stop stop calling me or i will report you and the company to cfpb. so again if i refuse the loan by phone which i have several times. now i am getting too many hits on my credit history on each major credit bureau and derogatory credit factors : i am not late and i do not have any collection and at this moment my credit history is ruin with too many repeating denials also from credit card companies. i keep getting notices and i know for a fact. i did not apply for the letters that i keep getting recently. i believe my personal profile is and has been tarnish and because i continue to say NO! i do not want any credit or loans or anyone calling me I have notice a duplicate, triplicate trending of my credit being hit hard inquires. how can cfpb help my credit history. please this is too much
10/09/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	AZ 85209	Web	Older American
Hello, I have been trying to refinance my vehicle. The company I am dealing with is OPEN ROAD. XXXX XXXX The OpenRoad Lending Auto Loan Savings Team XXXX XXXX XXXX XXXX # XXXX / XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX fax ( XXXX ) XXXX text msg XXXX After an approval was offered to me, they starting adding extras which I denied. Extended coverage protection for mechanical issue and also Gap Insurance. After my denial of these products added to my loan, the pace of the transaction slowed down a lot. Even though I requested calls from the loan helper, XXXX, after I leave work, because I have a new job and I am currently going through an extensive amount of training and I am unable to hold on the phone for 30 minutes or more when I try to call this company to follow up on my loan. They did call once or twice but at times I was not available at the times they try to call me. In the meantime they are requesting additional contingencies to move forward. It has been 3 weeks or more since I applied. The loan helpers work on commission so I believe that the picture changed when I rejected their added products. I did have the chance to speak to a XXXX, 2 days ago but she tried to push the Extended coverage and the Gap insurance on my loan, once again I denied that and I got disconnected. The loan assistant XXXX XXXX keeps asking me to log into the application to add the co-borrower, ( which is fine ), I do understand that. However, the link he has sent twice does not work and I do not seem to be progressing much with this company. Now, a person in my family was able to refinance her car loan and she did recommend their services, it looks like in my case I did hit a brick wall head on. This company has rather poor customer service practices and I fear for my private information in the hands of this organization at this point.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 783XX	Web	Servicemember
Approx XX/XX/XXXX, I received emails with denials for an application of credit for a vehicle or refinancing a vehicle. One after another they kept coming. I had not applied for credit, so this throw a red flag. Then I start receiving letters for the denial seeing my credit score falls below XXXX based on these inquiries and denials. So, I called XXXX first, they told me they had an credit application for financing or refinancing, whoever they informed me that they received my information from Open Road Lending, not knowing why when I have never given them either permission to nor have I applied for anything dealing with a vehicle or refinancing. Both companies pushed the blame on each other and then finally said they received the information from XXXXXXXX XXXX, which I never gave them either permission or authorization to run or share my credit information and adverse effect my credit score. XXXX XXXX was not willing to provide me any information on how they received my approval to run my credit and why it was shared with XXXX, Open Lending, XXXX XXXX XXXX without my knowledge. I spoke with a Rep at XXXX XXXX, who was passing on my request or email with the application of this alleged credit application, she said her supervisor 's name was XXXX was going to be the one to provide a email with that requested proof of an application as of XX/XX/XXXX XXXX I still have not received anything from XXXX XXXX XXXX XXXX Open Road Lending or XXXX XXXX giving them approval to access my credit file. They all seem to point to finger at XXXX XXXX who I never gave permission to access my personal information and if so please provide that proof, this is a pure sign of fraud and I would like ALL credit inquiries from each of the companies that illegally obtain my credit information to be REMOVED from ALL three credit reporting agencies.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75206	Web
I'm subscribed to XXXX XXXX 's credit monitoring service. After my score went up a few point, they offered to use their pre-qual form to find my offers for personal loans AFFIRMING that it would not affect my credit. After submit this alleged soft-inquiry I then received alerts from other services I use that my there had been several hard pulls on my credit file which is VERY unacceptable. I'm currently working on my credit and would have NEVER submitted the form if I knew they were going to do a hard pull which is counterproductive to what I have going on. This happened at the beginning of XXXX. I suspect XXXX XXXX illegally and without permission sold my information to other creditors. That is the ONLY way these companies would have even had my information for a hard pull. This is a very misleading tactic by XXXX XXXX and if it is included in their " terms '' it needs to be very clear. XXXX XXXX, Open Road Lending, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX all had access to my credit information FRAUDULENTLY. I had to suffer a score decrease across two bureaus because of this. I reached out to these companies the same day in an attempt to fix this and see what happened but they all acted clueless and said they would TRY to remove the inquiry and that is not good enough because they were never supposed to have my information in the first place. This is the email communcation from one of the companies involved, " [ F ] lagship received the application through Open Road Lending, ( XXXX ) XXXX XXXX, case id XXXX on XX/XX/2020. You may want to contact XXXX XXXX and Open Road Lending to learn more about the handoff steps each took in sharing the application.
02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85029	Web
I applied for and was declined by Open Road LLC to refinance my vehicle on or about XX/XX/2020 and I received legal notice in the mail I was declined. Then I received a call from a XXXX at XXXX XXXX XXXX on XX/XX/2020 @ XXXX XXXX XXXX & XXXX XXXX XXXX stating they received a request to refinance ( which I did NOT submit to them-Open Road did ) and that they needed more info " So we can submit it to our large network of lenders ''. I did not return the call as I had already secured a refinance with a credit union. Then on XX/XX/2020 I received notice from XXXX that XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX Ny ( XXXX XXXX XXXX ) had pulled my credit WITHOUT my authorization. I immediatly called XXXX XXXX XXXX on a hunch and the woman I spoke with today XX/XX/2020 confirmed yes they had give permission to their banks to pull my credit, even though I had NEVER consented to this! I advised do NOT pull anymore credit and pull my application, I do not need their services. I am shocked that someone, especially a refinance broker like XXXX XXXX would give my sensitive information to their banks to pull my credit with NO permission from me, the consumer. I am also not happy with Open Road LLC selling my sensitive information after declining me as this could lead to fraud. I read the Open Road disclosures which only stated the loan may be provided through them OR their affiliates, not that they would pass my sensitive information on to other 3rd party companies AFTER Open Road LLC declined me!. This is all shady. I want the inquiry removed from my credit and all my information removed from Open Road and ALL of their affiliates files.
06/21/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	AZ 85044	Web
I received a solicitation from open road lending XXXX/XXXX/2016 for refinance applied for a refinance and was so called approved for refinance and interest rate@13.64 percent XXXX a month the company had me fax over all documents needed for funding to submit to the so called investor which is XXXX. Spoke to XXXX at XXXX after this so called approval and went through a so called phone interview confirming all of my employment resident info etc .... interest rate 1st payment date recorded affirmation agreeing to the terms of the new loan. He advised it would take a few days to complete the refinance and if there were any additional questions he would contact me. Received a letter in the mail from XXXX advising I did n't qualify for a refinance at this time after they verified my credit. 1. I received a so called approval from open road lending who failed to also disclose this information and 2. I did not give permission for XXXX to pull my credit report. I had my credit pulled and was told the approval expired 30-days from XXXX/XXXX/2016 which was about XXXX/XXXX/2016 this company has completely mislead me as a consumer and I want this resolved and want to know why this was not disclosed and even after applying for the refinance it 's like it was a fake approval. I also will be consulting counsel on this one this is not okay.
04/10/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 93422	Web
I performed the initial steps to see loan refinance options with " Open Road Lending. '' They presented themselves as a middle man of sorts. They would find the best banks and then they would pass along the information. I received a call from one of their representatives stating that they could only talk on the phone. I called the customer representative and gave him the information. I informed him that my only income comes from a XXXX pension. He said, " you 're XXXX? '' I answered yes and said I was on this retirement for 5 years. He questioned how I can be XXXX and have been XXXX when I was XXXX. He then said " this is a problem, the banks wont like it. '' He promised a return call. All I received was an automated email. I wrote a certified letter to the company, asking for the removal of the inquiries. They sent back an official denial letter, stating that they are a dealership, not what they advertised. I submitted a review online to XXXX XXXX, and they responded by saying that they are not a dealership. This is definitely something that a layman would not have picked up, and is deceptive. Their comments regarding my XXXX were borderline harassment, and were discriminatory in nature. The banks that they did send it to were some credit unions in Texas, the same state that " Open Road Lending '' operates.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 72315	Web
I have inquiries from XX/XX/XXXX for XXXX XXXX, XXXX XXXX. XX/XX/XXXX for XXXX XXXX and XXXX XXXX. I also disputed these with the bureaus and they responded they were verified. I then sent letters to these companies and they also responded verified. I called them directly XX/XX/2022 and was given the information for Open Road Lending. I was told they could remove the inquiries if Open Road Lending sent a letter requesting the removal. I contacted Open Road Lending and spoke with XXXX and I explained I never applied for a refinance auto loan. I asked if she could send me proof and she stated all she could send was the adverse letter I was mailed which I never received. As I was asking if she could sent the letters to the banks requesting a removal she states she could not assist me and I have to disputed it with the bureaus. I explained again I have taking all those steps and was redirected back to their company. She started huffing as if she was getting annoyed with me. She then told me by law she had to provide the adverse letter and thats all she could assistme with. I provided my email for the information she claimed she was emailing to me. She told me to call My Auto Loan for further assistance as she could request a removal of the inquiries. I never received any emails from Open Road lending.
08/07/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 347XX	Web
We started a refinance with openroadlending. We have good credit and was able to get a new mortgage easily in the last two months. We were just interested in lowering our truck payment. They have lost documents, sent me emails that were sent for others. They do not know what they are sending out or saying most of the time. They asked us for our award letters for our pensions. We sent copies. Then they asked for a copy of our bank statement to show they went in. Now they want tax documents! FOR A CAR LOAN. Talking to the supervisor, I find out that they do not even understand what a defined benefit pension is, or how it is paid out. In the process, they have lost one of the award letters with our social security numbers on it. The service has been terrible, and the loan terms changed through out the process. We had started another refi with them and the loan terms also changed from what we had agreed on. That is only a few of the mistakes made by their " loan specialists ''. I want their inquiries on our credit report removed and I think they need to seriously be investigated. I Have multiple emails from them with many of the mistakes they have made. I also want all our documents returned! I seriously wonder who is stealing our information at this point! XXXX and XXXX XXXX
10/29/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 37214	Web
I was checking into my credit score and accounts on XXXX XXXX. Saw recommended that I had very good or excellent odds of approval for the total outstanding balance on my vehicle. Good interest rate ( almost half of current rate ), advertised for the entirety of the loan amount remaining. I applied with XXXX XXXX XXXX. Was informed after my credit had already been run that they would only be able to finance me half of the amount of the loan. There is more on the loan than the current vehicles MSRP, but the issue for me is that what was projected to me for application ( and even pushed as a great option with great approval odds ) was based on my specific loan amount tied to my vehicle information. It was unethical in my opinion for this firm to advertise the full amount of loan for refinancing. Cost me time, got my hopes up having found a good option, cost points on my credit score and an additional hard inquiry on my credit report. They took my information, but did not hold up their end of the bargain. To me that is misleading advertising and marketing and cost points from an additional hard inquiry. I cant be playing games like that. Trying to get my family into a home and protecting my credit is important to me. Simply put, what was advertised was not the case.
07/18/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 33025	Web
I am financing a car with XXXX XXXX. In the title of my car is my cousin too who absolutly does not mind in provide a Gift Letter to allow another lender finance my car and leave me alone. Last week I had my credit around XXXX. XXXX showed me 3 options to refinance my car. Then I have chosen OpenRoad. I followed the link and I submited what they requested me. Then I got a phone number sugesting me to speak with a representant. I spoke with the representant and they told me they can not do nothing if my cousing is in the title and I have to remove him from the title first. Offcourse I do not know nothing about it and I asked them if they had any idea how to do so. They do not know as she said. Ok. I came home and I decided to go on sunday to XXXX, where I discovered that they run my credit on saturday. Offcourse my credit droped down and I could buy the XXXX eider. On monday I received a letter from OpenRoad. Please find it attached. They said I am approved and I should call them again. then the same problem came. I spoke with every possible manager in that company and I sent them several emails. They do not care. As I know they run my credit asking to 4 banks. If you need anything from me please let me know.
08/30/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	PA 183XX	Web	Older American
They made me get a paper notorized then a 3 week later they wanted me to get another paper notorized they they asked me five times for bank statement with my bank and other documents after 4 weeks the denied me claiming I put XXXX on application instead of XXXX claiming I lied about what I make they dont understand that I have pay medical insurance XXXX XXXX XXXX XXXX dental XXXX medicine and that comes out of my social security and they dont understand that why its XXXX and XXXX so they lied have witnessed that they lied they all of a sudden refuse to refinance my car loan they need to be out of business for not real practice procedures all delayed and I was told not to pay my other car loan that Im refinance so I have to pay them soon tomorrow they XXXX me up it cost me XXXX dollars for all this paperwork and stuff I had to pay for I want back I want them out of business keep this complaint on file so others who might have problems with them they arent a good customer relations company need to be out of business
12/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 34957	Web	Servicemember
I follow my credit report on XXXX XXXX I decided to get a better interest rate online through open road lending. They tried the old bait switch on me. In XXXX XXXX it said underneath my name that I could go through there and get alone at 13.6 % interest for 60 months for XXXX a month. When I went to finish the loan it went up 2 points and took it out to 72 months which was absolutely absurd. XXXX XXXX from Open road try to trick me into get an XXXX at 72 months. Numbers appear to be coming from open road to XXXX XXXX This XXXX tried to say to me that's she specifically went over the numbers with me on the phone which I didn't hear them. She tried to make me feel stupid by stating over and over again she went over these numbers. On XXXX XXXX it specifically said I could recieve XXXX. Then she kept pressuring me to take the XXXX at 72 months, were my loan already has paid 22 months off. People should be aware of their shaddy business practices.
07/10/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	SC 295XX	Web	Servicemember
Hi. I already filed a complaint, which has the following complaint number because it was supposed to have been " resolved '' by a prior complaint here, and OpenRoad Lending was supposed to send me a {$120.00} gift card to reimburse me for financial loses due to finance charges paid on a loan they forgot to fund. I got the gift card today and activated it and they " FORGOT '' to FUND THE CARD! So they forgot to fund my car loan, making me late with my original lender and costing me daily finance charges for 10 days to pay two car loans from two lenders on one car. And they rectified that by forgetting to fund the gift card to reimburse the 10 days of finance charges that they charged me for a loan I never had because they forgot to fund it. Is such a coincidence even possibly accidental? Here is my original complaint, which I reassert since it is entirely unresolved by this {$0.00} balance, UNFUNDED, gift card. XXXX.
08/02/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 44052	Web
XXXX XXXX XXXX XXXX Open Road Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent a letter by my local bank offering me a loan for my 2016 Kia Soul. I went to my bank got the loan and purchased automobile. I never authorized or called any of the above companies to run credit checks on me. My bank said they do not sell my information. The companies below were not authorized to run credit checks on me. I contacted them and they want me to file identity theft when that is untrue. My credit rating dropped XXXX point after these were preformed. have contacted each company demanding proof with original signatures and contracts, paperwork etc. They said no we will not cooperate I need them to remove all info from all credit reports due to damage to credit rating. Its there fault I want them to fix it or I will seek legal action
10/10/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 90805	Web
I have received notice from OpenRoad Lending, stating on the delivered mail regarding a current auto debt, which is a direct violation of my consumer rights under the FDCPA I may also state that I never entered a agreement with OpenRoad Lending for them to have my private information and use it in such a unlawful and disrespectful manner. This company has my private business matter printed on the envelope is unfair and unconscionable, so embarrassing for my information to be public posted for everyone to know that this company acknowledges current debt and trying to collect a debt also by intimidation of stating in the late a high payment due of {$530.00}. All of these violations fall under 15 usc 1692f, 15 USC 1692g. My identity was used by this company without my authorization which is also identity theft.
01/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90036	Web
On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate. And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- IXXXX XXXX XXXX 2- OPENROAD LENDING One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Received unsolicited financial product or insurance offers after opting out	MD 20744	Web
I was searching my offers for refinancing my auto loan through XXXX, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from XXXX XXXX telling me that a new hard inquiry was just added to my XXXX credit report, and after that I received an email from www.openroadlending.com saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in XXXX XXXX is XXXX XXXX, I already call them and they told me that they work with OpenRoad Lending
09/09/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 94558	Web	Older American
Responded to flyer to refinance auto loan. Submitted info as requested. OpenRoad switched the interest rate from XXXX to XXXX, in spite of the offer. Loan was approved and immediately sold to XXXX XXXX. A GAP policy was included which was never discussed, or agreed to. The GAP form is unsigned. Unable to get any response from OpenRoad, and XXXX says they can not help. I attempted to cancel the whole loan, but was unable to due to the fact they had paid previous lender already. I then began to get credit notices from several firms, indicating that OpenRoad has made hard credit inquiries without my permission. I have attempted to cancel the GAP policy, but no success. This company should be stopped from this bait and switch tactics and misleading advertising.
05/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20744	Web
I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. XXXX Open Road Lending inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of Open Road Lending and XXXX XXXX. So I contacted Open Road Lending and XXXX XXXX who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.
06/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MI 49048	Web
I reached out to Open Road Lending llc. Multiple times regarding this matter of trying to cancel gap insurance. I was very clear to them in the being that i did not want gap insurance. XXXX XXXX is the name of the agent that i worked with at open road lending and when i noticed the gap included in the docu sign contract that was sent to me i asked he about it and he stated that he would get this issue resolved this was on XX/XX/2022. Now i am still calling and getting the run around between opening road lending and this third party dealer XXXX XXXX XXXX on trying to cancel a policy i never wanted or asked for to begin with please help as i do not know where else to turn.
02/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23225	Web
I applied for refinancing on XX/XX/XXXX and by mistake, entered my income incorrectly on the application. The next day I received an email advising this, so per the instructions, I replied to the email with the correct income amount so the SAME app could be re-reviewed. Today I get notification that Openroad processed inquiries on my credit on XX/XX/XXXX and XX/XX/XXXX! You cant give me two hard inquiries for the same app # XXXX. Please remove the additional inquiry and confirm once completed. The email sent to me about my income NEVER indicated my credit would be pulled again. Why would you need to if you only needed to verify my income? DELETE THE INQUIRY.
08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33617	Web
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
09/24/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	AZ 85142	Web
Applied for a auto loan refinance with XXXX XXXX XXXX after terms stated the rate was 2.99 % and term of 72 months. Received a call today today my credit was excellent but income is insufficient so they have to triple my rate from the advertised rate and lower the term to 60 months and charge for fees and gap insurance. My income is by no means insufficient if that is so how can they justify increasing the rate and shortening the loan term that will make my payment XXXX more then I'm paying now. Doesn't make sense to me if " my income isn't sufficient '' Fraudulent practices and now I have a hard pull on my credit due to their fake fraud terms stated.
12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98203	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, OPEN ROAD LENDING add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
08/16/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	FL 33020	Web
I received a mailer from open road lending on XX/XX/2018 that says they will lower my interest rate from 6.9 % to 3.5 % on my auto loan. It says my eligibility criteria is because i have good credit. I filled out the online form on XX/XX/2018 and got a text saying I was pre approved within a few minutes. When I called they ran my credit to several lenders and told be my rate would be 7.14 % which is higher than my current rate. Now my credit will take a hit due to the inquiries and I have the same loan. Their advertisement is misleading and I feel this is a bait and switch.
11/30/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 175XX	Web
I refinanced my auto loan was promised XXXX XXXX. Was told i had it & I told them I didnt want any extra just the XXXX & they added extra stuff that I declined & didnt added the XXXX. They admitted they made a mistake but they cant fix it & that Im just out of luck. They have the recording of everything & their agent saying I had it & it was fine. But since I signed the loan paper saying it wasnt it on there its my fault & they cant help me. They said they coach their agent on the error but thats that. They wont give me the recording. But there sorry for the mistake
09/12/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AL 352XX	Web	Older American
On XX/XX/2018 I received a solicitation from OPENROAD LENDING, which stated that I was " Prequalified '' for a refinance on my auto loan. Since the payment they were quoting was {$80.00} LESS than the payment I had already been making for 10 months without a miss and the rate was lower, I applied. I received an email directing me to their website, which informed me my application had been denied While I am certain that they will quibble over the wording and intent, I believe this is deceptive, particularly since a denial negatively affects my credit score.
04/16/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AZ 856XX	Web
We already sign all of the documents and sent what they asked us for, the CONTRACT where we signed said, that we where already signing for the APROVAL for refinancing the car, the payoff amount and date, how much and when we where going to start paying the new account, XXXX, we sent all the documents needed, including the POWER OF ATTORNEY, and just receive a call from them telling me that they where unable to approve the aplication. They ran our credit a few times and affected us in our credit score by 100 points. ( From openroad )
11/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 522XX	Web
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Open Road Lending made into his XXXX, XXXX and XXXX credit reports, created XX/XX/2018. This was done without his consent. A formal dispute was mailed certified mail with return receipt to Open Road Lending XX/XX/2018 however as of this date Open Road Lending has not replied to the status of the investigation of removal of data from my clients credit reports which is a violation of FCRA.
03/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Openroad Lending ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Openroad Lending is still currently reporting on my XXXX credit file. *RECORDS ARE AVAILABLE UPON REQUEST. *
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	MD 20744	Web
I received an email from loan lender ( XXXX ), telling me that they received my application from their partner OpenRoadLending, But I don't give any permission to OpenRoadLending to share my information, the same company who did a hard inquiry under my name without permission ( issue that I'm trying to resolve with XXXX ) so now they are sharing my information with other lenders without my approval, I was trying to reach that lender ( XXXX ) but I couldn't find a telephone number on their web page
04/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 723XX	Web
I woke up the morning of XX/XX/2016 to an alert sent to my email for a decrease in credit score. I sent off for my report to access for any changes in activity and I notice that open road lending had accessed my report without my consent. I contacted the company directly to attempt to remove the inquiry and was told it would be removed. I never gave them permission to access my credit. Recently, after applying for a home mortgage I notice that this inquiry is still reporting negatively.
05/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ XXXXX	Web
On the date of XX/XX/2019 I was reviewing my credit report and came across an inquiry I did not recognize from Open Road Lending. I called their customer service line and spoke to a gentlemen named XXXX explaining I have an inquiry on my credit report that I did not authorize. I then asked him to verify if their company reported this in compliance with the FCRA consumer reporting laws. He confirmed the application did not have my signature.
08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35601	Web
I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM OPENROAD LENDING AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND XXXX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM XXXX AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.
06/26/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	OH 431XX	Web
I received a pre-qualification letter stating my interest rate would be 4.99 %. I applied online with the pre-qualification code and received an email saying I was approved. No where in the email did it say that I was n't approved for the pre-qualification rate. I received an email to call in to confirm some details. Only at that point was I told the rate was different then then the pre-qualification and after I was told I was approved.
04/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93065	Web	Servicemember
Open Road Lending has sent my application to XXXX XXXX regarding an auto loan I was trying to get refinanced without my consent. I am currently in a class action lawsuit with XXXX XXXX. Therefore, I am NOT interested in doing any business with XXXX XXXX. Also, XXXX XXXX has inquired on my credit which I did NOT authorize ... I have never even heard of that company before. I wish for these inquiries to be stricken from my credit report.
08/03/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 125XX	Web
On XXXX XXXX the company performed OpenRoad Lending a inqury on my report. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round.They say things such as it was made on XXXX, placed online. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
09/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92107	Web
I was trying to refinance my car. This company gave me 3 different ". I did not accept any of them. They then proceeded to send me an email which they labeled as documents to review, but when I opened it did it was auto sign documents for a alone. You could not review the documents. They tried to trick me into taking a loan with an undisclosed rate. I can only describe this as criminal attempted fraud..
09/19/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75068	Web
Open road auto shared my information with XXXX XXXX and subsequently they did to XXXX without my approval. I applied to refinance my car in XXXX when they received my information but the issue in question is from XX/XX/XXXX and I did not apply for any credit then. XXXX XXXX gave me their information but I was unable to contact them after waiting on the phone for more than 10 minutes twice on XX/XX/XXXX.
10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95826	Web	Servicemember
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
08/06/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30083	Web
In Accordance with 15 USC 1692g, OpenRoad Lending , LLC failed to comply with sections ( 3 ), ( 4 ), and ( 5 ) of the code. I did not receive a statement that gave me the option to validate the alleged debt, dispute the debt or information providing me with the name and address of the original creditor. The date of the alleged contract is XX/XX/2021 for a loan total of {$19000.00}.
02/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48227	Web
Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process. XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process.
01/21/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30047	Web
This company is another example of dishonesty and fine print manipulation i filled an application to refinance my car within minutes the shared my info with XXXX different companies after i saw that i never wanted more then one hard click on my credit i looked them up on XXXX and it appears this is very usual for them to do this caused my credit to drop XXXX point please help
01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD XXXXX	Web
I have no idea who or what this company is. Somehow they were able to access my XXXX and XXXX credit reports. I did not authorize either of them. I tried calling the number attached to their company on my credit report. They don't have a fraud department and no one knew how to fix the issue. No one at this company, that I do not know of, was able to resolve the issue.
02/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 292XX	Web
Open Road Lending had 4 companies pull my credit. I didn't authorize them to pull my credit. I called them and told them I want these inquires to be removed. I had people in Florida pulling my credit and using my credit. Ive put a freeze on my credit report to cant this from happening. They had my husband credit file pulled also his name is XXXX XXXX
01/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	FL 32514	Web
I received documentation from OpenRoad lending offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
05/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 01013	Web
I XXXX XXXX, never authorized and or do not recognize these inquiries on my credit report from XXXX, OpenRoadLending LLC, and XXXX ( I have no clue what this is. ) on date XXXX XXXX, XXXX. I am not in search of a car loan and or refinance as I recently purchased and opened one in XXXX of XXXX. Nothing was done purposely for my credit to be pulled.
09/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29414	Web	Older American
Open road lending states that on XX/XX/2018 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX and XXXX. I called open road lending and they stated, there was an application on file but, wouldn't give me any information about it.
08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33702	Web
Your credit inquiry is damaging my credit rating. Provide full DOCUMENTATION reguarding the circumstances surrounding your review of my XXXX, XXXX, and XXXX credit report. Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act.
04/24/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NY 145XX	Web
My credit has been run by OPENROAD LENDING 4 unauthorized times through XXXX and i was denied without giving consent. I want my credit fixed from these unauthorized action. If you need further details contact ASAP.
12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75075	Web
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is XXXX XXXX the last one is openroad lending
06/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO XXXXX	Web
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
04/07/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 33334	Web
I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls
02/27/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 763XX	Web
rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading
04/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web	Servicemember
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.
10/31/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	TN 38019	Web

08/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33167	Web

04/29/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MI 48708	Referral

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 73135	Web	Servicemember

01/10/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NY 13072	Phone

09/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46260	Web

07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	FL 33060	Web

04/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33056	Web

02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23225	Web

01/02/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NY 14607	Referral

05/11/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	AL 36109	Web	Servicemember

03/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65810	Web

01/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92683	Web

01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78640	Web	Servicemember

01/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92545	Web

11/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63074	Web

11/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78130	Phone

10/25/2017	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

10/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28721	Web

10/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98446	Web

09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77051	Web

09/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77051	Web

07/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10977	Web

06/08/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 90302	Postal mail

04/12/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	TX 77410	Web

01/19/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 29045	Web

12/21/2016	Yes	Credit card	Other	OH 44105	Web

12/13/2016	Yes	Credit card	Credit determination	GA 30329	Web

11/13/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	OH 44706	Web

11/13/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	OH 44706	Web

11/08/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NY 10701	Phone

08/31/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33134	Web

08/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 44052	Web

08/31/2016	Yes	Consumer Loan Title loan	Received a loan I didn't apply for	OH 43612	Phone

08/30/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33134	Web

08/24/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33134	Web

05/11/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	CA 90005	Web

04/10/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	GA 30453	Web

09/09/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92584	Phone

08/31/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OK 74135	Web

08/29/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	IL 60505	Web