OPORTUN FINANCIAL CORPORATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/22/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	NC XXXXX	Web
The creditor as fiduciary reached good faith and fair dealings with agreements crafted by a corporation 's unlawful practice of law with the intent of unlawfully converting the subrogee 's chose-in-action and wilfully and knowingly deprived equitable interest, rights and ownership of the chose-in-acton when requested. The creditor/subrogor and collection agent turned a XXXX eye to the previous notices of subrogation and equitable interest with the most recent being XXXX. In the process Adverse action was taken by the creditor for attempting to assert my rights, the account was closed when rights to interest and redemption were communicated. One who seeks equity must do equity. Equity will not suffer a wrong without a remedy. Equity follows the law. Principal and Agent are vicariously liable for the other. In this era when credit has become one of the instrumentalities of business to which men pay homage, intangible property rights must be considered when conversion is discussed. Stocks, bonds, evidences of debt, debentures, insurance policies, contracts and other choses-in-action play a prominent role in present-day credit economy. Conversion has been defined as a " wrongful interference over personal property, inconsistent with or in denial of the dominion of the person entitled to possession thereof. It is " any dealing with the property of another which excludes the owner 's dominion. '' The gist of conversion is the unauthorized assumption of the powers of the true owner. '' A " chose in action '' is a personal right not reduced to possession. For example, shares of stock, and debts represented by negotiable instruments and savings bankbooks are all choses in action. They are personal property rights, not reducible to immediate tangible possession, not capable of physical delivery ; but recoverable only in an action at equity or law. Trover action will lie for the wrongful conversion of ... bonds, or other securities for the payment of money. This is true with regard to both negotiable and non-negotiable bonds. Even where bonds have been stolen, and a forged indorsement used to obtain new bonds from the corporation, the owner was allowed to recover the bonds from an innocent third party into whose hands the bonds had come. A bond being evidenced by a tangible writing, the courts have no trouble in finding the necessary dominion to allow an action for conversion. '' The underlying debt is immediately converted on the wrongful taking of a negotiable bond, and may be generally assumed to be converted in the case of a non-negotiable bond. XXXX is a legal action that a property owner can take to recover the value of personal property that was wrongfully taken. The plaintiff must show that they had title or possession of the property at the time the action was filed. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. XXXX is different from other remedies for wrongful taking because the plaintiff only recovers the value of the property, not the property itself. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Today, the tort of conversion has subsumed both trover and detinue, and a plaintiff can request legal relief ( money damages ) or equitable relief ( return of property ). See, e.g. Burgess v. Small, 117 A.2d 344 ( Me. 1955 ) It has been well settled beyond controversy under the power to borrow money on the credit of the United States, and to issue circulating notes for the money borrowed; when Congress borrowed We The Peoples private credit, it created a sovereign redemption and subrogation right in We The People and a breach of trust by the subrogors and mortgagees when they clog the We The Peoples right to redeem their collateral borrowed and the securities created on account by indorsement and interfere in commerce. It is against equity for freemen not to have the free disposal of their own property and financial assets. NOTICE. I am aware, pursuant to Title 15 U.S.C. 78c, Section 10 the term security means any note, stock, treasury stock, security future, security-based swap, bond, debenture, certificate of interest or participation in any profit-sharing agreement or in any oil, gas, or other mineral royalty or lease, any collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities ( including any interest therein or based on the value thereof ), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or in general, any instrument commonly known as a security ; or any certificate of interest or participation in, temporary or interim certificate for, receipt for, or warrant or right to subscribe to or purchase, any of the foregoing ; but shall not include currency or any note, draft, bill of exchange, or bankers acceptance which has a maturity at the time of issuance of not exceeding nine months, exclusive of days of grace, or any renewal thereof the maturity of which is likewise limited. The promise to pay or promissory note with a maturity longer than nine ( 9 ) months created in this transaction is a security ; NOTICE. DEBT INSTRUMENT. In general Except as provided in subparagraph ( B ), the term debt instrument means a bond, debenture, note, or certificate or other evidence of indebtedness. Title 26 USC 1275 ( a ) ( 1 ) NOTICE. BOND. The term bond includes any obligation. Title 26 USC 150 ( a ) ( 1 ) ; NOTICE. BENEFIT. This word is used in the same sense as gain ( q. v. ) and profits. ( q. v. ) 20 Toull. N. 199 ; NOTICE. BENEFICIARY. This term is frequently used as synonymous with the technical phrase cestui que trust. ( q. v. ) ; NOTICE. BENEFICIAL INTEREST. That right which a person has in a contract made with another, as if A makes a contract with B that he will pay C a certain sum of money, B has the legal interest in the contract, and C the beneficial interest. Hamm. on Part 6, 7, 25 2 Bulust. 70 ; NOTICE. I am aware, pursuant to 17 CFR 240. 13d-3. ( b ) Any person who, directly or indirectly, creates or uses a trust, proxy, power of attorney, pooling arrangement or any other contract, arrangement, or device with the purpose of effect of divesting such person of beneficial ownership of a security or preventing the vesting of such beneficial ownership as part of a plan or scheme to evade the reporting requirements of section 13 ( d ) or ( g ) of the Act shall be deemed for purposes of such sections to be the beneficial owner of such security ; essentially the right to subrogation to the securities has been deprived ; NOTICE. I am aware, pursuant to 17 CFR 240.8c-1 Hypothecation of customers ' securities ( a ) General provisions. No member of a national securities exchange, and no broker or dealer who transacts a business in securities through the medium of any such member shall, directly or indirectly, hypothecate or arrange for or permit the continued hypothecation of any securities carried for the account of any customer under certain circumstances ; NOTICE. I am aware, pursuant to Title 18 U.S. Code 1348 Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both ; NOTICE. 18 U.S. Code 1956 - Laundering of monetary instruments ; NOTICE. Use of the Beneficiarys Private Credit for the extension of credit or choses-in-action by indorsement, creating securities as an accommodating party establishes an implied TRUST IN INVITUM raised by operation of law without the consent of the trustee. Such a Trust Arises where Goods have been stolen or Converted to the Use of the TAKER and sold, with respect to the PROCEEDS, whether such proceeds are in the form of money or other property purchased therewith, and equity will in such cases enforce a Trust In Invitum in the original taker or in his assignee with NOTICE. Likewise, where a TRUSTEE or OTHER FIDUCIARY has Misapplied Trust Funds a like Trust will be RAISED. Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) NOTICE. When it comes to accounts Article 9 of the Uniform Commercial Code has always applied to the sale of accounts. Revised Article 9 continues this rule in North Carolina 25-9-109 ( a ) ( 3 ). Former Article 9 defined accounts to include payment obligations arising out of only the sale of goods or the provision of services. Under the former law, this left many kinds of payment rights within the definition of general intangible. The sale of these types of payment rights often serves as a financing transaction, but former Article 9 did not apply to these transactions. Revised Article 9 broadens the definition of accounts to include : Payment obligations arising out of the sale, lease or license of all kinds of tangible and intangible personal property ( for example, account will include license fees payable for the use of software ), and Credit card receivables. The sale of a payment intangible often functions as a financing transaction. Revised Article 9 brings certainty to these transactions by bringing the sale of a payment intangible into the scope of Article 9. However, to permit financial institutions that sell loan participations to avoid Truth is expressed in the form of an Affidavit. having a UCC-1 financing statement filed against them as debtors, Article 9 provides for the automatic perfection of a security interest created upon the sale of a payment intangible ( but not a security interest in a payment intangible given to secure an obligation ). G.S. 25-9-309 ( 3 ). NOTICE. EQUITY CONCERNS ITSELF WITH SUBSTANCE AND NOT FORM. XXXX XXXX is forward-looking rooted in the equity maxim... equity regards done what ought to be done. XXXX XXXX is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity knows no time. Equity aids the vigilant, not those who slumber on their rights. XXXX is expressed in the form of an Affidavit. See Lev. XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX. XXXX ; XXXX. XXXX ; XXXX XXXX. An un-rebutted affidavit stands as truth in commerce, equity, admiralty, XXXX XXXX and public policy. XXXX XXXX XXXX. XXXX ; XXXX. XXXX. Legal maxim : He who does not deny, admits. An un-rebutted affidavit is acted upon as the judgement in commerce, equity, admiralty, XXXX XXXX and public policy. See XXXX XXXX Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied. A matter must be expressed to be resolved. XXXX XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX. Legal maxim : He who fails to assert his rights has none. Ultimately the XXXX actions amount to holding the implied surety in peonage, debt slavery, debt bondage, and involuntary servitude, a severe form of human trafficking in persons. I declare under a penalty of perjury the statement is accurate and true to the best of my personal knowledge. XXXX XXXX, XXXX XXXX U.S. Code 1746
09/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Didn't receive services that were advertised	MO 63116	Web	Older American
Applied for Personal Loan, online received pre screen offer in mail, also advertised on XXXX XXXX, under my XXXX XXXX report on XX/XX/21 applied online approved and received email XXXX confirmation, {$2000.00} also received XXXX XXXX Loan docs email part English, part Spanish? Also confirmation email stated would receive overnight XXXX XXXX tracking number. Well I, called XXXX XXXX XXXX for appx everyday kept getting call centers in XXXX , and XXXX? Always same story check your mail for check to arrive? I, said what about XXXX XXXX? they all said NO we don't have XXXX XXXX XXXX? I, said well email from Oportun.com clearly states overnight check in mail, and XXXX XXXX XXXX.On XX/XX/21 called getting upset run around and rep, said would escalate to Supervisor, give it 3 more days if check doesn't arrive call us back which of course did not arrive .On XX/XX/21 Sat called again really upset said want to speak to a Supervisor? put me on hold with back round Music, man answers said his Spanish name? how can I, help you? I, explained No Check? No XXXX XXXX number its 5 days now. I, said where is my XXXX XXXX tracking number? and my check? he said wait till Monday XX/XX/21 see if arrive in Mail? if not call us back. Of course I, am getting Nervous about these call Centers, Overseas, in XXXX, and XXXX and never a call center in U.S.A, called same number XX/XX/21 again REALLY LIVID WITH THE LIES!!!! never a straight answer just same XXXX, from everyone in call centers .rep, said let me escalate once again you should have received check in mail. Call back Friday XX/XX/21 speak to a Supervisor for a resolution. Well I, did call got a Lady Supervisor, smooth talker said I, need to get this issue resolved taking to long for your check? i, know your upset I, am SORRY! OMG, these people sound professional trained like real Business People. ALL LIES Supervisor, said I, will call you back today it was appx XXXXXXXX XXXX time in XXXX XXXX , Mo - I , said have to go out will be back after XXXXXXXX call me back then. she said Don't worry I, will call you back of course she LIED NEVER CALLED ME BACK .So Now I, am beyond upset I, called back at app XXXXXXXX XXXX time xfered to same Supervisor I, said why didn't you call me back? she said didn't have a answer on your check? I, finally started yelling at her said this is XXXX, you LIED about calling me back No Check? no XXXX XXXX? she said I, am leaving at XXXX today but I, wont leave till I, get your Check in Mail call you back by XXXX I, said you better because this company and all the XXXX, for 2 weeks is beyond anything I, ever experienced. She said I, apologize look for my call at XXXX! YEA RIGHT I, was LIED TO SCAMMED WITH XXXX AGAIN.!!!!! SO, I, knew this Company was a SCAM! I, XXXX XXXX Oportun Inc, complaints, also XXXX XXXX XXXX XXXX XXXX OMG A PAGE FULL including ATTY General XXXX XXXX , and all the complaints listed I, was in DISBELIEF.!!!!!! I, felt so Violated was Scammed by a Company in XXXX XXXX, Ca. Oportun, Inc. IDENTITY THEFT had to upload my Social Security Income, Driver License, to get approved online XX/XX/21 for Personal Loan. Took all my info.I, filed a complaint XXXX IN XXXX XXXX Ca and XXXX XXXX XXXX online. also filed a complaint FBI, IC3 Internet Crimes Unit, and also called XXXX XXXX Police Dept and XXXX XXXX XXXX XXXX to file Fraud, and Identity on phone spoke to Officer XXXX XXXX Incident filed XXXX XXXX XXXX Sheriff his phone number called me back XXXX XXXX XXXX also spoke to a Detective yesterday Detective XXXX? not sure of spelling her number XXXX XXXX XXXX she saids Oportun, zip code XXXX is in unincorparated sector said 's XXXX XXXX , Sheriff Dept, handles that area not her Division? so I, still need " INVESTIGATION POLICE REPORT " for Credit Bureaus, also Oportun Inc, on my profile charging me daily interest, and {$2000.00} plus {$100.00} admin FEE for FUNDS I, NEVER RECEIVED!!!!!!! look at all the complaints on files XXXX and Ripp Off report THIS COMPANY IS SCAMMING US, USA AND OVERSEAS, FRAUD IDENTITY THEFT. I, closed my old checking acct number which is till on Oportun ACH Auto payments due XX/XX/21 -- HAHA Don't think so and put a Fraud, and Freeze all my Credit Bureaus, they want a Police Report. Officer XXXX, spoke to me on phone just filed a incident report. I, want this Oportun, Inc shut down I, want them erased of my Credit Report, and I, ain't paying those Crooks a Red Cent, for a Loan, I, never recieved .I, was told XXXX XXXX . Calif has to file a Police Report because that is where company is located? not here in XXXX XXXX, Mo. I, am so upset and stressed they caused me all these problems, changed my acct number, at Social Security, They have voice mail on there main phone about Scammers pretending to be with Social Security, INTERNET KILLING THIS COUNTRY.also filed Complaint with XXXX XXXX XXXX XXXX and XXXX XXXX, Ca # XXXX as stated earlier also on online FBI IC3 Unit did not get a Case # just a response complaint filed. Sorry about this long letter but need to give you a Visual on BOGUS COMPANY FRAUD DECIET, SCAMMING AMERICANS FOR OUR BANK INFO SS # B, D, Driver License etc etc, Please contact FBI XXXX AND FBI IN XXXX XXXX, CA TO INVESTIGATE THIS PHONY BOGUS BOILER ROOM OPERATION SCAMMING ALL US AMERICANS!!!!!! SHAME ON THEM AND XXXX XXXX, YOU THIK IT WOULD BE A LEGIT COMPANY, I, LET XXXX XXXX KNOW THEY SHOULD BE ASHAMED 3RD PARTY SCAMMERS ADVERISING FOR A FEE TO ALL XXXX XXXX, MEMBERS LOGED IN. PLEASE CONTACT THIS BOGUS COMPANY XXXXOportun Inc , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calif XXXX - XXXX XXXX XXXX XXXX XXXX XXXX customer service number. Oportun Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Calif XXXX Inquiry on Credit Report address, rate there " Bogus ' complaints e mails- complaints@oportun.com and- hello@oportun.com generic response with phoney customer relations computer generated, I, have copy of all emails and incident report at XXXX XXXX Sheriffs Dept PLEASE HELP ME THIS IS Thursday XX/XX/21 spent 17 days since XX/XX/21 getting no where and fixing my identity with all this filing complaints, with Proper Govt, Police and XXXX and Credit Bureaus for any further Fraud, and Identity Theft in USA and Overseas!!!!!!
01/07/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
As mentioned in the initial dispute, according to the law you are required by law ( 12 CFR Part 1016.4 ( a ) ( 2 ) to provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 12 CFR Part 1016.7 indicates you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 12 CFR Part 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. As of today, XX/XX/XXXX, I have not received a privacy notice or Opt Out notice from XXXX XXXX or oportun. Per 15 USC 6805 and FCRA and as a federally protected consumer, I am requesting to opt out of any and all authorizations reporting of my personal data to anyone without my prior written consent, immediately and permanently. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from oportun or XXXX. Also, previously stated, as a violation of 15 USC 6802- oportun communicated my nonpublic personal information to unaffiliated third party, which is you ( XXXX ) without my consent and without giving me the opportunity to direct such information not to be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. You are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt I do not owe. As you are aware, oportun collection of this debt is no longer considered as DEBT. Which, you ( XXXX ) are a third party DEBT COLLECTOR, which means the debt has been charged-off and is now considered as a CERTIFICATE OF INDEBTNESS ( 26 CFR 1.6050P-1-information reporting for discharges of indebtness by certain entities ) as well as income ; and income can not be reported on my consumer report. As I previously stated, per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. To reintegrate, I did not give you, oportun, authorization or permission to have my current personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Please be advised that I dispute the validity of the listed alleged debt in its entirety. You are requesting that I provide you with proof of non-validity, that request is DIRECTED to you for you to provide, since you believe I owe the ALLEGED debt. Again, I am requesting a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a BILLING STATEMENT, which you mentioned in your response, notice or any unsigned document is NOT verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove this debt within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by mail. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against you by filing a FEDERAL CIVIL CASE against you, oportun. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { { {$5000.00} } } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { { {$1000.00} } } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60636	Web
Dear Sir or Madam, 1. OPORTUNPROG Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with OPORTUNPROG and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
01/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	TX 75160	Web	Servicemember
I, XXXX XXXX, have extensively reviewed my consumer reports provided by XXXX, XXXX, and XXXX of which OPORTUNXXXX has been furnishing information. I have noticed that after several reinvestigations into this disputed account, they continue to have inaccurate, misleading, and missing information. OPORTUN/XXXX has repeatedly stated in their reply to the disputes that these accounts meet FCRA requirements, which is not true. The FCRA states that all information that is being reported on my consumer report must be 100 % complete and accurate. According to Congress, 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It is not fair that OPORTUNXXXX, is neglecting their responsibility of ensuring accuracy and disrespecting my rights. Congress also states : 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. I, XXXX XXXX, gave notice of these inaccuracies on several occasions disputing with XXXX, XXXX, and XXXX as well as disputing through the CFPB on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and numerous other occasions over the past year. Each time, my request was for the disputed account to be removed from my consumer report due to inaccuracies, misleading information, and missing information. OPORTUNXXXX has continued to be non-compliant to the law! Congress goes on to state : 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. OPORTUNXXXX and the consumer reporting agencies of which they furnished information, have been non-compliant to the law and have continued, after numerous investigations, to report these erroneous accounts onto my consumer report. According to 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. I HAVE NOT received any disclosure from OPORTUNXXXX of which I have a disputed account. I am disputing this account and I have ceased to be a customer of OPORTUNXXXX OPORTUNXXXX and the consumer reporting agencies of which it furnished information, are in direct violation of this law by continuing to disclose my nonpublic information after I ceased being a customer! 15 U.S. Code 1681m ( d ) ( 1 ) ( D ) - Requirements on users of consumer reports ; the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. I, XXXX XXXX, am exercising my right to prohibit the following specific account that is listed on my consumer report due to law violations, inconsistent reporting, misleading information, inaccuracies, and missing information. I demand that the following account in its entirety be removed immediately from each of my consumer reports of which it was furnished! Remove this account - OPORTUN/XXXX xxxxxx XXXX - This account is in violation of 15 U.S. Code 6803. The furnisher of this account did not send me a Form 1099c which is a requirement of the IRS for charged off accounts according to IRS pub4681 for canceled debts. This account says it is transferred or sold, but the account status doesn't reflect that and should say closed. This account is no longer reporting, so that is a violation of FCRA requirements for reporting, because it is inconsistent. This account is missing information for date of last activity & date closed. Payment history should not be reporting here. This account is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) Exclusions.the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information as to transactions or experiences between the consumer and the person making the report. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The continued reporting of this information is a clear violation of the Law 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. You have 10 days to DELETE THIS ACCOUNT from my consumer reports!
12/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75216	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .OPORTUNPROG bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90731	Web
I XXXX XXXX XXXX XXXX have seen repeatedly fraudulent accounts and transactions in my name on my consumer reports I have repeatedly warned them and the credit reporting agencies about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report XXXX state attorney general report a XXXX CONSUMED PROTECTION AND INNOVATION COMPLAINT Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last XXXX or XXXX years Ive reached out to all XXXX of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially OPORTUN/PROGRESO FINANCI/Account Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX I XXXX XXXX XXXX XXXX never gave XXXX XXXX, XXXX, or XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 61681b Permissible purpose of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account Name OPORTUN/PROGRESO FINANCI Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$420.00} Or XXXX, XXXX, XXXX XXXXPursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXXXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed OPORTUN/ PROGRE XXXX XXXX XX/XX/XXXX HARD INQUIRIES DATE
07/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90605	Web
I was advised by XXXX XXXX app to open more credit to help raise my score so I applied to get a loan through Oportun which I had used back in XX/XX/XXXX for the same reason. The loan was for {$500.00} with a fee of {$30.00} plus an additional XXXX coming to a total of {$590.00} starting first payment on XX/XX/XXXX and continuing every other thursday paying {$39.00}. I had agreed to have the payments taken from my bank, but that brought on a lot of overdraft fees for me due to the money not being taken out on my payment dates, including on XX/XX/XXXX, I had attempted to cancel the payment and wasn't able to so I went down to the store location and paid since I knew my bank would not cover it, but instead of adjusting the payment to the way it should have been ( paying interest & principal ) as it shows clearly on the XX/XX/XXXX receipt. It didn't pay anything onto principal which is the first reason I was told I had acquired additional fees. to try to spare me from all the added fee 's, I decided to have my bank take back the 3 payments paid directly to Oportun, which included XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX so on XX/XX/XXXX I made an additional 3 payments besides my usual payment coming to a total of {$160.00}, I wasn't aware that I needed to direct the amounts going to principal and to interest which is another reason I was given as to the additional fee 's on my loan. On XX/XX/XXXX, I went as usual to make a payment since I figured the account needed time to adjust to the transactions made, which if placed right would have me with {$43.00} extra since my bank only took back the 2 XX/XX/XXXX payments, so on XX/XX/XXXX, I did Not make a payment which is where all of this mess began. I got phone calls giving me notice of the payment not being made around XX/XX/XXXX, which I believe on XX/XX/XXXX is when I had my 1st ticket opened to further investigate the issue, which by the 3rd ticket issued at the end on XX/XX/XXXX I decided to figure out myself what the heck was going on since I was told by one of their employees that she was sorry for my situation but that even though it was not my error, I was going to pay for it, and I also got advised by a supervisor that I should pay the fees added but that if I was cleared of any wrong doing they did not assure me that my payment would be included in my account of returned to me. I began to add my made payments up along with where they had been placed and found that the error in their financing my account was due to the remainder of the {$160.00} payment of XX/XX/XXXX, was placed into the surcharge category but without being accounted for in the amount paid up to date as can be seen on page # _4___. their financial error as can be seen on the accounting page adding up all the amounts owed and the amounts that I can't see where they are accounted from since now there is a total of {$260.00} that has been distributed and spread out into all the categories .as I will try to show. page # 1 shows the standing balance after the payment of {$160.00}. page # 2 shows the adjusted balance after the bank reversed 2 payments which can be seen on the payment summary on the top was added onto my loan balance owed in the amount of {$78.00}. and the should have been credit on my loan was placed into the surcharges on the amount paid to date, in the amount of {$43.00} which if placed on as my credited amount would have covered the XX/XX/19 payment that Oportun claims I missed, along with the added on 2 late fees of {$14.00} & {$14.00} which have been added on both the amount paid to date in surcharges of XXXX.= {$57.00} and also on the top payment summary pending payment of $ XXXX= {$92.00} as displayed on page 3 and on page 4, by the other {$14.00}. added to both of those sections making the current amounts $ XXXX= {$71.00} and {$78.00}. +XXXX= $ XXXX= {$170.00} that needs to be adjusted to nothing ( {$0.00}. ) since the amount pulled from the bank was covered by the 160 payment of XX/XX/19, and my loan status needs to be re-adjusted to current instead of delinquent since I have NEVER missed or been late on a payment. Also the last page # 5 is the last payment made on XX/XX/19 in which could be easily compared the amounts of the payment history : amounts paid of principal, interest and surcharges- along with the amounts paid to date of : Amount to principal, Interest, Surcharges, and Paid to date total of {$400.00} which is what I have paid in my 10 payments already made have a disturbing difference of : Principal- {$64.00} Interest - {$22.00} Surcharges- {$42.00} and balance owed difference of- {$130.00} totaling up to : {$260.00} that should be adjusted right onto my account which should be properly adjusted as such : principal Interest payment balance of principal owed XX/XX/19 - XXXX XXXX XXXX XXXX XX/XX/19 - XXXX XXXX XXXX XXXX XX/XX/19 - XXXX XXXX XXXX XXXX covering payments of XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; & XX/XX/XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX Principal- {$340.00} Interest - {$58.00} Surcharges - $ the amount would be XXXX but considering the terrible service XXXX balance owed - XXXX XXXX= {$190.00}
07/13/2023	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	CA 92882	Web
Subject : Dispute of Discrepancies and Request to Close Account Reporting Inaccuracies Violation of Consumer Law FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ) Dear Oportun Inc. , I am writing to dispute several discrepancies related to an account that is currently being reported inaccurately on my credit reports by all three credit bureaus. The account in question is a collection/charge-off account, and the reported information contains numerous inaccuracies regarding payment history, high balance amount, date of last activity, date opened, closed date, and last payment date. These discrepancies not only misrepresent my credit history but also violate the provisions of the Fair Credit Reporting Act ( FCRA ) under section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). 1681s-2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Upon reviewing my credit reports obtained from XXXX, XXXX, and XXXX on XX/XX/XXXX, I have identified the following discrepancies on XXXX. Oportun. Inc. is also reporting different inaccurate information across all 3 credit bureaus : XXXX Credit Report : XXXX Account Details : Creditor : Oportun Inc . Account Number : XXXX Discrepancies : Date Opened : XX/XX/XXXX. Date Closed : XX/XX/XXXX. Last Payment Date : XX/XX/XXXX High Balance Amount : {$320.00} Date of Last Activity : XX/XX/XXXX Payment History : NONE REPORTED On XX/XX/XXXX, I also identified the following discrepancies on XXXX. XXXX Credit Report : XXXX Account Details : Creditor : Oportun Inc . Account Number : XXXX Discrepancies : Date Opened : XX/XX/XXXX. Date Closed : N/A Last Payment Date : XX/XX/XXXX High Balance Amount : {$320.00} Date of Last Activity : XX/XX/XXXX Payment History : DAYS LATE 30 Days : XXXX, 60 Days:1, 90 Days : XXXX On XX/XX/XXXX, I lastly identified the following discrepancies on XXXX. XXXX Credit Report : XXXX Account Details : Creditor : Oportun Inc . Account Number : XXXX Discrepancies : Date Opened : XX/XX/XXXX. Date Closed : N/A Last Payment Date : XX/XX/XXXX High Balance Amount : {$310.00} Date of Last Activity : XX/XX/XXXX Payment History : DAYS LATE 30 Days : XXXX, 60 Days:1, 90 Days : XXXX Inaccurate Reporting : The reported information contains significant inaccuracies across all three credit reports. These discrepancies include incorrect payment history, high balance amount, date of last activity, date opened, date closed, and last payment date. The inaccuracies present an unfair and misleading representation of my creditworthiness. Under the FCRA, it is the responsibility of credit bureaus and creditors to ensure the accuracy and integrity of consumer credit information. Therefore, I kindly request the following actions to be taken : 1. Conduct a thorough investigation into the discrepancies and inaccuracies associated with the account, as mandated by the FCRA. 2. Verify the accuracy of the reported information between all 3 credit bureaus. 3. Delete the inaccurate information from my credit reports across all three credit bureaus within 30 days, as required by the FCRA. 4. Close the account on all credit reports due to the inaccuracies and discrepancies present. 5. Provide me with a written confirmation of the investigation 's outcome, any actions taken to rectify the inaccuracies, and the closure of the account. I have attached copies of relevant supporting documents directly from my credit reports including account data, and evidence that substantiates my claim. These documents clearly demonstrate the discrepancies and inaccuracies in the reported information. Failure to comply with the FCRA and rectify the inaccuracies on my credit reports within the specified timeframe is a direct violation of my protected consumer rights by the FCRA. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically referring to section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). This provision places obligations on credit bureaus and furnishers of information to ensure the accuracy, completeness, and integrity of consumer credit information. As a consumer, I am invoking this provision to dispute and rectify the inaccuracies present on my credit reports. I appreciate your prompt attention to this matter. Please ensure that all communication regarding this dispute is sent to the address listed above. Thank you for your immediate action in resolving this dispute. I expect a timely response and a swift resolution of this matter.
08/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89101	Web
As of XX/XX/2019 Oportun has negatively impacted my credit score by reporting loan number ending in -XXXX as being delinquent. I opened my first installment loan with Oportun on XX/XX/2019 for {$300.00} with fees it would total {$320.00}. Biweekly payments of {$28.00} starting on XX/XX/2019 with last expected payment ( # 12 ) to be XX/XX/2019 for {$25.00}. Just to note my first payment was made prior to due date on XX/XX/2019 for {$28.00} and the following were also made prior to due date and above the amount. However, the issue was created by Oportun starting in XX/XX/2019 when a bill pay payment of {$28.00} through XXXX XXXX XXXX ' was not posted as expected in a timely matter. The payment ( Check Number : XXXX ) was created on XX/XX/2019 ( Transaction ID : XXXX ) and scheduled for delivery to Oportun on XX/XX/2019 for payment # 05 ( Payment Schedule ) XX/XX/2019. As usual, I was log into my Oportun online account to see if payment has been posted, but once XX/XX/2019 approached I had not only called XXXX, but also Oportun varioustimes to check the status of where the check is ( since like previous time it was sent electronically and " on time '' ). Usually, no specific and resolutions even when I asked could I have the number or be transferred to Oportun 's department that received mail payments ( the agent states no number and not possible to be transferred ). By XX/XX/XXXXXX/XX/XXXXXX/XX/2019I had eventually received a call from an agent ( I don't remember his name ), but he told me that I was still in my " grace period '' as long as I could inside a local store to make the payment. So, this agent was also provided the check number and we discussed that a stop payment would be made on the check hence over a week had gone by. On XX/XX/2019, I went to Oportun 's XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX branch and paid {$100.00} also to cover the missing check. My balance was then {$94.00}. On XX/XX/2019, I submitted a payment via XXXX 's bill pay for {$66.00} ( five days prior to No. 5 Scheduled payment XX/XX/19 ) leaving a balance of {$28.00}. Prior to XX/XX/2019, I had for the second time gone to Oportun 's branch because my Oportun account stated that my account was paid and that I was eligible to apply for a new loan. The short and chubby XXXX female agent told me a payment was not needed and could not be made because the account was paid in full and gave me receipt ( receipt number XXXX ) highlighting {$0.00} next payment amount. I was approved for a new loan ending in XXXX in which is up to date. However, as stated before Oportun has created this negative issue on my credit report dropping my score more than 20 points because of their mishap. I've called several times to rectify this issue with spending countless and wasted hours with XXXX native speakers that seems not understand English and unfortunately not able to resolve the issue among transferring to different departments due to unorganized/screwed-up system and company ; including the escalation tickets are vain. By XX/XX/XXXX, I received a letter stating that I missed a payment on the original loan ending in -XXXX and that I owed then almost {$60.00}. Hence I could not resolve this issue over the phone, I thought going into the local store for the third time would due justice. I asked to speak to manager. The XXXX female team lead was present, but didn't seem to interested in helping and spoke XXXX to the agent regarding me. I picked up that she told him that she could spend much time to assist me. He was somewhat diligent and suggested to resolve the issue hence the system appeared to be malfunctioned, etc. " In good faith, '' I offered and paid {$28.00} cash and demanding whatever the unexplained extra charges and/or returned check fees be waived bringing my account to {$0.00}. Unfortunately, after providing my receipts and expressing deep lack of satisfaction for about 5 hours the male XXXX agent scanned my documents and he spoke with a customer service/technical support agents via phone regarding this matter on XX/XX/2019 additionally with today 's call to agent XXXX A ( which stated he was a supervisor ) on XX/XX/XXXX XXXX XXXX PST was waste of time and another ticket created. *I will attach documents which will include receipts and their system inconsistencies/errors along with a snapshot from my bank regarding the XX/XX/XXXXpayment.
06/09/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MA 01832	Web
Hello. Summary -- - I am unable to transfer {$13000.00} in savings to an external bank XXXX XXXX XXXX XXXX due to what appears to be intentional roadblocks on the part of Oportun, Inc XXXX XXXX XXXX. I used the XXXX XXXX for about 18 months to help me with my savings. As a result, I saved {$13000.00}. XXXX was then acquired by Oportun , Inc. Oportun is not a bank but uses XXXX XXXX to manage money in their accounts. As such, I have an account with XXXX XXXX I realized quickly that I did not like the way Oportun operated - given it's history of questionable loan practices- and request that my money be transferred to my other bank account. I was told they would mail a check. However, I asked for a direct transfer given that there are many complaints online from other users about Oportun checks bouncing. They refused to do so. ( This all happened approximately on XX/XX/2023 ). I then attempted to connect to my external bank using the XXXX XXXX XXXX. This connection worked seamlessly when the company was XXXX. However, the connection between my bank and their services was disabled when Oportun acquired them. There is still an option on the Oportun app to add external accounts using XXXX. I have attempted this a number of times. Each time, I receive word that the connection is successful followed immediately by this statement : " Something went wrong. Unfortunately, we're unable to connect the account at this time. Please contact customer service. '' After first receiving this notice, I contacted customer service who informed me that the problem was not theirs and was likely caused by a security hold on the part of my other bank. Today, I confirmed with my other bank that this is not the case. So it appears Oportun is not allowing the connection to be made. My next step in accessing my funds involved the discovery that Oportun is backed by XXXX XXXX I was able to locate my account number. I contacted XXXX in an attempt to access my funds. I was told that they work with " many third parties '' and that they do not have access to these accounts. The account is clearly held by XXXX XXXX This is how I know : My next step was to initiate a transfer from my XXXX XXXX account. I used XXXX routing number and the account number I found in my app. XXXX XXXX XXXX was able to connect to the account and verify it ( through the verification process of two small deposits ). XXXX XXXX XXXX shows the connection as XXXX XXXX. Not Oportun. So XXXX XXXX is confirmed as the account manager. Having made the connection between XXXX XXXX and XXXX XXXX, I then initiated a transfer. I spoke with XXXX XXXX XXXX who helped confirm that the request was legitimate and released a hold on their end. A day later, the transfer was canceled by Oportun XXXX XXXX with no notification. No email, no phone call, no text inquiring about the transaction prior to its being canceled. I, therefore, did not have a chance to speak with anyone about the reasoning behind the transfer cancellation. Recently ( XX/XX/2023 ) I reconnected the two accounts successfully from XXXX XXXX and requested a small transfer to see what the results will be. I have not yet found out. While I waited for this test, I also visited XXXX XXXX XXXX ( XX/XX/2023 ) and attempted to set up direct access to my funds using the XXXX Account Number which ended with a " We were unable to process your enrollment. Try again, or contact customer support. '' They provided a telephone number which I called. None of the five options provided on the phone support system addressed managing personal accounts and I was unable to access a customer service representative. I then emailed them using their customer service email requesting a telephone conversation. I await a response from that. I am reporting this because it appears as though every pathway to my funds has been blocked. At the very least the business practices of Oportun XXXX XXXX XXXX appear to be highly unethical if not fraudulent. I appreciate any attempt you can make to resolve this situation for me. And to look deeper into these business practices on behalf of the many customers who have reported similar complaints online.
08/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	CA 91306	Web
Subject : Comprehensive Letters Regarding Fraudlent Matters Part 1 : Dispute of Deficiency Claim and Request for Documentation I am writing to address a matter of great concern regarding the recent repossession of my vehicle, Make of car : XXXX Model : XXXX Year:XXXX Vin # XXXX. I have reason to believe that the repossession was carried out unlawfully and without proper cause. On XX/XX/2023, I was surprised to find that my vehicle had been repossessed without any prior notice or communication from OPORTUN, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, CA. XXXX I would like to emphasize that a deficiency claim can not be substantiated unless all mandatory notices were duly provided within the stipulated time frames. Additionally, it is crucial that all permissible redemption and cure periods were diligently observed. In view of the above, I kindly request that you provide me with copies of the legal notices that were served and evidence showcasing the commercially reasonable approach undertaken in the repossession of the vehicle in question. Please be aware that if the requested documentation and proof are not furnished within 14 days of your receipt of this notice, any asserted deficiency claim will be deemed null and void. Moreover, any ongoing collection actions or the continued reporting of this unsubstantiated claim on my credit reports will be considered as violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, it is important to note that failure to comply with the aforementioned requests XXXXay result in my exercising the right to pursue damages against all relevant parties. I intend to explore all available remedies under both State and Federal statutes, including those outlined in UCC Article 9. It is important to me that this matter be resolved amicably and in accordance with the law. I am prepared to take any necessary steps to ensure the release of my vehicle and to preserve the positive relationship we have maintained throughout our business dealings. Sincerely, XXXX XXXX Part 2 : Identity Fraud Report I am writing to inform you that Im a victim of identity fraud. Unauthorized transactions, accounts, or activities have been conducted in my name without my consent. I request your assistance in resolving these matters. I have noticed the following unauthorized activities : Fraudulent Title Loan from Oportun and Illegal Repossession of Vehicle I kindly request your prompt attention to this matter and your cooperation in resolving the fraudulent activities associated with my identity. I have taken steps such as filing a police report, freezing my credit reports, and notifying credit bureaus and financial institutions. Please investigate and rectify the fraudulent activities related to my account. Implement security measures to prevent future unauthorized access. Your prompt response is essential to minimize further damage. I am prepared to take any necessary steps to ensure the release of my vehicle and to preserve the positive relationship we have maintained throughout our business dealings. Sincerely, XXXX XXXX Part 3 : Notice of Disposition Pursuant to 15 USC 1692f Oportun, I am writing to address concerns regarding the debt associated with my account, as governed by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692f . Actions taken or planned may violate 15 USC 1692f, which prohibits unfair means to collect debts. Please provide detailed information about the intended debt disposition. Additionally, demonstrate compliance with 15 USC 1692f requirements. Collaboration and transparency are crucial in resolving this matter. Kindly respond within 14 days. I am prepared to take any necessary steps to ensure the release of my vehicle and to preserve the positive relationship we have maintained throughout our business dealings. Thank you for your attention. Sincerely, XXXX XXXX
07/16/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 93702	Web
OPORTUNPROG contacted me attempting to collect on a debt I do not owe them. When they called me attempting to collect this debt I explained to them I never agreed or signed any contract with them that obligates me to this debt. They then stated they would keep contacting me to receive what was owed to them. After contacting me, COPORTUNPROG did not send me a debt validation notice to alert me about my right to request proof that a debt is valid or dispute the debt, which is required by debt collectors. After the constant calls I reached out for legal advice and they advised I send them a letter asking for validation of this debt which I did and they never responded. Since they never supplied me with sufficient evidence I know this debt does not belong to me.I have attached the debt validation letter I sent to OPORTUNPROG. OPORTUNPROG as a debt collection agency did not due their due diligence in making sure this debt was accurate and obligated to me before deciding to furnish inaccurate information on my consumers report. I never gave them consent to furnish anything on my consumers report, especially incorrect information that can hurt my consumers credit worthiness. Not only did OPORTUNPROG not conduct a proper investigation to Make sure this debt was obligated to me they are now choosing to furnish multiple inaccuracies within this account to the CREDITORS BUREAUS. CFPB requires debt collectors furnish accurate information on consumers reports and OPORTUNPROG is doing the complete opposite. OPORTUNPROG is in violation of 12 CFR 1022.41 ( a ) and 12 CFR 1022.41 ( d ) 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. They are in direct violation of this code because I am not the consumer who owes this debt, I have know clue who they were in agreement with but its is not me! They are mishandling disputes in this company! They have not handled this debt correctly nor with accuracy or integrity as 12 CFR 1022.41 ( d ) states it should be handled.12 CFR 1022.41 ( d ) states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. OPORTUNPROG is in direct violation of this code and many more, Not only is this account not supposed to be being furnished on my consumers report they are reporting different/inaccurate information to all credit bureaus. I have attached an image to this complaint which I have highlighted that shows multiple inaccuracies being reported to the credit bureau. Since OPORTUNPROG has decided to furnish inaccurate information on my consumers report I am not being denied housing, work oppurtunies and being told my credit worthiness is not good. I am on the verge ion being homeless since I cant be approved for housing. I have a child I solely provide for and cant provide for her properly because OPORTUNPROG is actively choosing to furnish inaccurate information to the credit bureaus.
07/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 08360	Web
OPORTUN, INC. FAILED TO PROVIDE REQUIRED MATERIAL DISCLOSURES AND A REQUIRED NOTICE ON MY CONTRACT. I ALSO DISCOVERED SEVERAL BILLING ERRORS WITHIN THE TRUTH-IN-LENDING DISCLOSURE. I am a natural person ( as such as the XXXX of nature formed me ). My name in ALL CAPS is not me. The correct spelling is XXXX, XXXX. On or about XX/XX/XXXX I submitted a consumer credit application on Oportun 's website and was approved for a credit of XXXX. Upon reviewing the contract I realized that Oportun XXXX Inc. failed to provide the required " material disclosures '' on the contract in accordance with 15 U.S.C 1602 ( v ) specifically : The Method of Determining the Finance Charge and Balance Upon Which the Finance Charge to be Imposed. These disclosures are not on the contract and are supposed to be pursuant to 15 U.S.C 1632 ( 2 ) ( A ) ( i ) containing clear and concise headings for each item of such information and ( ii ) provides a clear and concise form for stating each item of information required to be disclosed under each such heading. I also noticed that Oportun , Inc. failed to provide me with the appropriate forms of my right to rescind the transaction in accordance with 15 U.S.C 1635 ( a ) and a NOTICE required to be on the contract pursuant to 16 CFR 433.2 ( a ) isn't on it as well. This appears to make it an unfair or deceptive act or practice for a seller, directly or indirectly, to take or receive a consumer credit contract which fails to contain the provision. Furthermore, I noticed several billing errors in the Truth-in-Lending disclosures section. The number of payments, as well as, the amount of payments were inaccurate on the Payment Schedule. The payments mirror the " Amount Financed '' and not the " Finance Charge '' which is the sum of all charges pursuant to 15 U.S.C 1605 ( a ). 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the TILA disclosure is defined as : " A cash advance which is received IN RETURN for a " finance charge '' ... .Under regulation Z the itemization of payments should MIRROR THE FINANCE CHARGE amount as it is " the dollar amount the credit will cost you. '' The next billing error I spotted was the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact to receive any credits on behalf of the consumer. Furthermore, ALL DEBT OBLIGATIONS and securities are owed to the United States 18 U.S.C 8 and the INSTRUMENT or the PROMISSORY NOTE, I am indeed the maker of in this transaction, SATISFIED THE OBLIGATION in return for Oportun , Inc to service the application on my behalf for a finance charge as regulation Z states. On XX/XX/XXXX XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction : and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... .are inconsistent with the declared policy of congress XXXX in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.
05/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48212	Web
XXXX XXXX - I received a notification of a hard inquiry on my credit report. I logged in to XXXX XXXX and saw that XXXX XXXX and OPORTUNXXXX inquired into my credit report. I called both financial institutions to report that the credit card in my name was opened fraudulently and requested them to cancel the cards. That same day I set up a fraud alert with XXXX and XXXX. XXXX - My call reference number documenting my call with OPORTUNXXXX ( customer service XXXX ) assuring me that the card was cancelled and an investigation would be launched and I will be contacted with the report of the investigation. XX/XX/2021 - I received another notification through XXXX XXXX that a withdrawal of {$390.00} was made with the OPORTUNXXXX credit card. Apparently, the card wasn't cancelled. I called that same day and the agent said she'll escalate the situation to her supervisor and I will be contacted. I never got contacted. XX/XX/2021 - I filed a dispute with Transunion for {$390.00}. Investigation results came back that the disputed item was verified as accurate. XX/XX/XXXX, XXXX I called back to follow up on the issue and initially the agent said she had no record of my call. The earliest record was a call they received on XX/XX/XXXX requesting to activate the card and they did activate the card. After I provided the agent with the reference number from my first call, she stated that she found my complaint and it's still being worked on. I will be contacted. I requested a reference number but she wouldn't provide any. XX/XX/2021 - I called OPORTUNXXXX to follow up and the agent initially said she doesn't have any record of my case. I then provided the reference number from my first call before she stated that she'll be escalating the case to her supervisor. I requested a call reference number, the agent won't provide any. I insisted in speaking with the supervisor, the agent placed me on hold in order to transfer me. I waited almost 30minutes, the agent hung up on me without transferring or calling me back. XXXX XXXX - I called the OPORTUNXXXX customer service. The agent verified my first call reporting the fraudulent credit card and my request to cancel it. The agent however stated that there was no documentation to indicate that the issue had earlier been escalated to the investigation department as such the agent promised to escalate the complaint while I was on the phone and that they will get back to me. I have heard that so many times and they failed to do nothing. Call reference No. XXXX I have my medical bill loans that I am still paying for, I have never defaulted in my payments. I do not want to be responsible for any more loans especially those I did not request or use, likewise I do not want this to negatively impact my credit record. I am seeking your help in resolving this matter because I called OPORTUNXXXX customer service same day they submitted the hard inquiry and requested them to close the fraudulent account but they failed to do so allowing the fraudster to call them after my call, and activate the card and make withdrawals. I have called several times after noticing the withdrawal yet they had done nothing to resolve this. I do not want to be responsible for their incompetence and nonchalance. This whole issue has caused me a lot of time and painful moments that I alone can imagine. I will greatly appreciate your help. Thank you.
12/11/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	TX 75044	Web
Oportun has done it again. Other than harrasing my friends, family and myself. Which when applying for the loan claim they will be refrences to see if you are qualified for the loan, but which is not true as they just harass my refrences. They have now taken it upon a low income family to charge me twice in a single pay period. Regardless of the situation I am in. I am a XXXX woman with one income which I have explained to them over and over again. They question me every single time about this issue whenthey call which is about 5 times a month. They say they have all calls on file yet they can not show proof of this on demand. My request to contest the double payment was just shrugged off and was told it would take tleast 10 days to process. All while which being told I had authorized this payment. The whole time during this I felt as if they were trying to get me to verbally admit I had made given the authorization for the payments on back to back days. Why would I just not schedule a higher payment on the same day? If I would have had the money I would have done that. I spoke to Agent XXXX XXXX on XXXX XXXX where he confirmed they would automatically withdraw a payment of {$83.00} on XX/XX/XXXX which is as XXXX the agent stated my regularly scheduled payments. This was not done. Instead I recieved a call from my father in XX/XX/XXXX stating that agents from opportun has been harrassing him for my debt. Two days after my scheduled payment. I shortly called opportun after to see why they were harrassing my father. When I was transfred to an agent XXXX XXXX. He was very confusing and I felt harassed and pressured I even cried in the phone. telling me I had to make two payments on back to back days after I was told something else. He took it down a notch and apologized and asked me if I could authorize the payment on the XXXX. So I did he let me know this payment would appear deducted on XX/XX/XXXX. Once again I left it at that. Today XX/XX/XXXX I checked my statements as I got a notification that my account was overdrawn. To my surprise Opportun has withdrawn a payment of {$91.00} out of my account on the XXXX and one of XXXX on the XXXX. When I call to ask why they just keep stating that I have authorized 2 payments back to back. Which I can not be clearer I did not. They keep stating I did and that it will take 10-15 days to just review my claim. I dont not have 10-15 days at a negative account balance my accounts will be frozen and my husbands checks will not be deposited. Today I spoke XXXX XXXX agent and her supervisor XXXX XXXX. Both of which as I stated before tried to bully me into saying I authorized both payments. I can not stress enough how poorly regulated this company is as most of their customers are immigrants or low income families. Being in both of those brackets I can assure you that other relatives and friends have experienced the same issues with this companies. With them being one of the only accessible compones to immigrants I feel they get away with a lot for immigrants shy away from spotlights and reporting them in fear of what might happen to them. I hope you take my compliant seriously and investigate this company further and like I said I dont not feel as if they are regulated properly and they harrass people excessively.
09/20/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	KS 665XX	Web	Servicemember
It began on XXXX XX/XX/2022, I made a call after I got paid in order to pay off the remaining loan. It was an automated system and told me that the remaining amount was over {$570.00} which I paid and it was processed on XXXX XX/XX/2022. At the beginning of XXXX I received a notification that I had to pay a minimum payment of {$97.00}. So I called to find out why, since I thought I had paid it off. They told me that the payment had been returned due to insufficient funds. I went to my bank because my statement said that it had gone through and wasn't returned. The representative showed me that it had gone through and not been returned. I called Oportun again, while at the bank. After about XXXX hours of debating it and their incessant eruption of the minimum amount due and that my account was in good standing, they finally asked me to send my bank statements reflecting the payment to hello@oportun.com, to which I sent it. I called later and someone else answered and I had to go through the whole thing again because they said that they hadn't received it and then told me that that was not the correct email. They told me to send it to XXXX, to which I sent it again. Later I received a call saying that my minimum payment was past due and I called again. After about another hour or so, they they told me that they hadn't received it and they were going to transfer me to their supervisor. Then they told me that their supervisor told them that they were the one I was supposed to talk to. I was told that I would not have to worry about the late fees because they were looking into it and it would be another XXXX days. After that time, they called again to say that my minimum payment was due. I explained again what the situation was and then I was told that a payment for over {$590.00} was processed at the end of XXXX but was returned on XXXX XX/XX/2022. I never initiated that payment because I had thought the debt was done with. I asked for copies of my payment history and the original contract. The representative said he would email it to me and promptly hung up. I never received it. I did receive a letter in the mail, stating that they were not obligated by law to provide proof, but as a courtesy they said they included the payment history and original contract, which was not enclosed with the letter. I received a call this morning which I was unable to answer, but called back shortly after and explained everything again. I asked for these things to be sent to my email, while I was still on the phone so that I could be sure to receive them. They explained that it would take XXXX hours. I told them that was unacceptable due to what has been happening and they said that there was a problem with the verification process on their computer and he would have to talk with his supervisor. I was on hold for almost an hour and then the line was disconnected. The issue still has not been resolved.
08/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OR 97007	Web
I have spent the past six months, trying to pay off a loan that was taken fraudulently in my name via opportun for maybe {$1000.00}. Back in XX/XX/2022 I called into Oportun and was told that on a recorded line, my payment has gone through. I was given a confirmation number. It was told I have nothing else to worry about. I had to call and make payment because the online portal payment portal would not allow me to make a payment to my account. It was stating that my account was closed even though I still had a balance when I called the rep told me that my account was closed even though for some reason there was still a balance in that he was also unable to take up a payment due to bring his supervisor who then told me that she could take the payment use my debit card after about four hours of being on the phone they finally said that they took it off my debit card and they said it would post within three business days which was suspicious because its a debit card. It should be instant instant, but since they provide me with a confirmation number I figured that it had to be legitimate fast forward six months the delinquency reported on my credit score with this account for being 131 days late when I was told that it cleared I called back the company and I gave them the confirmation number, and they told me that the confirmation number does not exist, and if there was no documentation or notation of me ever try to make this payment, or being told that it was paid through, then try to extort me for {$610.00} tell me that theres nothing that they can do at which point I report it as fraud. The whole entire loan was not taken out by me I dont know who took it out. It was taken out online and this is a shady shady company. They transfer me seven times not even warning me before I transfer it every single time after re-explain the situation to the next XXXX Im talking to you. so finally they say that theyre going to file a fraud report. This was last week I called back this week for an update so Im told that they will be contacted in 3 to 5 business days and Im told that the report was never filed and no documentation exists I have now been denied a mortgage because of this delinquency they are lying to me search my face theyre not giving me answers. They refuse to transfer me to the legal or fraud department. They want to give me the runaround for hours and hours and hours and hours nobody has the answers nobody can help nobody has any solutions all they try to do is collect the money from you when Im Im not going to pay it. The total balance with my account became close. It was {$210.00}. Now its {$610.00} isnt that interesting? They need to remove this XXXX from my credit score and remove this loan from my name. Otherwise the only one going to complain here I will be filing litigation against him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/13/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 90034	Web
Ever since I refinanced my automobile loan with Oportun they have engaged in very unorthodox lending practices and harrassment. I complained that they were calling me too much, so they completely stopped calling me to apprise me of important matters pertaining to my loan. I asked them why they were not contacting me when they falsely believed I had missed a payment and they said it because I told them to stop calling me. I explained that I did not want to be called 10 -15 times a day to remind me that my payment was upcoming. I asked to cease the excessive calling. Oportun would call repeatedly even after the payment was timely made. When I asked why, they said it was because it took a while for the payment to process. I have asked to be emailed or mailed bills, notices, inquiries and to this date, Oportun does not email or mail me any correspondence as it relates to my loan. When I ask why they claim they do not have my e-mail address ( no matter how many times I provide it ). I ask why they won't mail a bill or any other documentation and the representatives say they do not know why and will investigate. Oportun never e-mails, mails or calls me with a follow up. Additionally, Oportun routinely falsely claims that I am behind on my payments and when I ask for proof they state they will research and get back to me. They often claim that I had returned payments ( NSF ) and when I point out they are not being truthful, they again state that they will research it get back to me. They never respond about their false claims. On XX/XX/XXXX I called to ask why Oportun had not debited my electronic payment from my bank accoutn. I spoke to XXXX XXXX who stated that the notes said I am in bankruptcy so they could not debit my payment. I am not in bankruptcy, and even if I was, they were still authorized to automatically debit my monthly payments as I requested in XXXX of XXXX. Oportun debited ( electronically ) in XXXX of XXXX, but did not debit my XXXX payment. I asked to make my XXXX payment, and I was told that Mr. XXXX was unable to take the payment until the persons he escalated my complaint to could address the issue. I told XXXX XXXX that I would be reporting Oportun to the FTC and any other oversight agencies that deal with predatory lenders. The majority of the customer service representatives seem to be very inexperienced and somewhat fearful. They seem to lack knowledge about the company and the industry, in general. During covid, I asked for a forbearance and they fought me not to grant it. They finally gave me a one time forbearance, despite the covid protections that were then in place ( XXXX ). They once sent a repossessor to my home to attempt to repossess my vehicle! It is my belief that Oportun is intentionally trying to create situations where unknowing borrowers will default on their loans so they can repossess their vehicles.
11/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL XXXXX	Web	Older American
Purpose of the complaint : This complaint is filed against Oportun for illegally sending me threatening letters to extract additional funds that I do not owe them. I contacted the company about my denial in writing and they persist with this action. Being a XXXX XXXX XXXX XXXX of XXXX descent on social security fixed income, I believe that this company is targeting me with price gauging and elderly victimization. The price gauging is in reference to their adding charges to the loan for the approved XXXX month payment deferral for COVID-19 they extended to me. The elderly victimization is in reference to Oportun never having any automatic monthly debits of {$260.00} returned unpaid for insufficient funds, over the 33 month term of the loan, in spite of my limited income. Added to this, the company urged customers to pay off their loan early without penalty. I paid off the loan earlier than the term date. Details of the complaint : In XXXX, my family had a financial crisis, and because Oportun had been sending me loan solicitations for about XXXX years, I decided to apply to them for {$2500.00}. I was surprised when they approved me for {$6000.00} with a {$21.00} fee added for Florida document tax. The total loan amount was {$6000.00} for a 33 month term from XXXX XX/XX/XXXX. I signed a promissory note electronically to complete the contract for repayment of {$8600.00} at a 27.13 % rate. The monthly automatic payment due on the XXXX of each of month was XXXX @ {$260.00} and 1 XXXX. The first payment was submitted on XX/XX/XXXX and paid by my bank on XX/XX/XXXX. This was done exactly each month until XX/XX/XXXX. I responded to Oportuns offer to defer payment for XXXX month due to COVID-19 assistance. This was reflected in extension of the last payment being XXXX/XXXX/XXXX instead of XX/XX/XXXX. The payments resumed monthly on XX/XX/XXXX. But since I had incurred more expense in XXXX for my husbands burial, I decided to pay off the Oportun loan, to lower my debt. Therefore I called Oportun customer service and asked to cancel the automatic payments because I wanted to pay off the loan. The XXXX confirmed that the XXXX and XX/XX/XXXX payment was {$520.00}. The next day, XX/XX/XXXX, I went on the Oportun website and according to the amount on their system, I paid {$520.00} for XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I went on the Oportun website again and paid {$260.00} the amount charged by their system for the last payment due on XX/XX/XXXX. With the XX/XX/XXXX payment, total paid was {$8600.00}. Total repayment of the loan on the promissory note I signed on XX/XX/XXXX, was {$8600.00}. My debt was paid in full. Therefore, I do not owe Oportun any additional funds. Attached are copies of all payments processed and paid by my bank. A document is attached showing a copy of all payments my bank made to Opportun from XX/XX/XXXX to XX/XX/XXXX
05/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60193	Web
I took out the loan in XXXX of 2018. I mailed my first payment on XX/XX/2018 which would have paid my first payment on time. I called after the payment was debited from my bank account but was not applied to my loan. I spoke to several employees each time providing conflicting information regarding my payment. I have proof that I paid I have the cancelled check copy and bank statement. I was told to email the customer support the documents. All email addresses provided were not valid and mail was always returned. I can provide a screen shot of my email account proving this. I continued to call and pursue resolution. While this was happening they were reporting my account as delinquent and brought my credit score down XXXX points. Finally in XXXX I had enough of calling and talking to different people not getting any explanations. I went into a store location in person and provided the proof that I paid. I was told by a customer service representative working there that Oportun applied my payment to another loan that was not mine.They were penalizing me for non payment when I did pay they just did not apply my payment to my loan. My account with Oportun is being reported as delinquent twice a month every month due to an error on their part. As soon as the first payment was applied to my account, I made another payment. I do not feel it is right that they took four months to resolve my First payment and are penalizing me for taking 4 months to figure out where my payment went. I was unable to pay during the dispute as my payments were not being applied to my account. I have a 98 % on time payment rate on my credit score. I have other loans that are always paid on time. I do not feel I should be penalized because of Oportun 's error. I have worked hard the past couple of years to bring my credit score up. This company not only trashed my credit but expects me to pay interest on the months that they could not apply my payments to my loan. I was on top of this right from the start. I began calling in XXXX and continued to call every two weeks for the entire four months it took to resolve this. I have made countless calls spoken to several people and all they can say is sorry we understand please pay off the loan. I believe I should not have to suffer for the mistake on their part. This company is horrible. If you call to speak to a specific person they are unable to connect you. I was in contact with Supervisor of Collections XXXX XXXX several times but only when he personally called me. I am never able to be connected to him and every time I call I have to take the time to explain the entire situation over and over again. I am a responsible person trying to build credit and this company and it's inability to operate properly has ruined all the work I have done. I hope no one else falls victim to this awful company like I did.
06/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA XXXXX	Web
On XX/XX/XXXX my identity was compromised and I called all the companies that had a hard pull application out on my name and froze all 3 of my credit reports. On XX/XX/XXXX I noticed a soft pull from Oportun. I gave them a call to let them know that my identity had been compromised and to confirm that no applications in my name were made. They informed me that they could not locate an application in my name but would escalate to their high risk team and took all my information. I never heard back from them. On XX/XX/XXXX I received a notification from XX/XX/XXXX that Oportun requested a hard credit pull but it was blocked due to the credit freeze I had on my account and they were unable to get access. I didn't think much of it since the hard pull did not go through and I had informed them of potential fraud attempt in my name on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Oportun in the mail that they processed a request to change my address on my account that I never opened and only way I knew an account was opened was based on that letter. I called the company and eventually spoke with a supervisor. The supervisor stated that they would have been unable to flag any fraud under my name until an account is actually opened. If a consumer calls you to inform you of identity theft and you do nothing to prevent fraud being done through your company that is not safe for any consumer. The supervisor also confirmed that they opened an account in my name on XX/XX/XXXX. I requested that they close the account and she did and she also sent my information to the fraud team as there is no one on that team to speak with over the phone. How does a financial organization not have a fraud specialist that you can talk to on the phone? The fact that they opened an account in my name when my credit is frozen or based solely on a soft pull is unacceptable. They need to close the account permanently and I should not be liable for any charges the person who made the fraudulent account made while the account was open. I called back on XX/XX/XXXX and the supervisor I spoke to them confirmed that the person had made {$11.00} worth of charges but would not provide me the full card number. What kind of company does not have a fraud team that you can speak to? What kind of company when you inform them that your identity has been compromised 4 days before an account is opened allows an account to be opened? Their customer service team and system is not equipped to protect victims of identity theft from having an account open in their name. The fraudster tried to open 5 accounts in my name and the only one where they were successful was Oportun due to their lack of controls and fraud prevention.
03/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 46815	Web
I am in the process of refinancing my house with a cash out option. Part of the arrangement is that the mortgage company pays off my loans with the cash and gives me whatever is left over. I called all the loan companies that were going to get paid off starting on XX/XX/2022. I requested a letter to be emailed to me with future dated pay off balances ( most gave me 10 days ) along with their address because the mortgage company would be sending out check payments. All companies had their letters to me to forward to the mortgage company so that they can send checks with the balanced owed within 24 hours except for Oportun. You can see in the attached, I received a letter on XX/XX/2022 with an expiration of the same date. On XX/XX/2022, I called Oportun to inform them that the letter they sent is not what I asked for. I was told I would have another letter emailed to me within 24 -48 hours. I waited for that time to pass and I received nothing. I called them on XX/XX/2022 to request the letter again. They told me they put in 2 tickets for that day. I was to receive a letter within 1-3 business days. The mortgage company contacted them on behalf to help me out and was told I would receive a letter ASAP. Being that the other letters were about to expire ( as most were 10 day payoff letters ), I contacted Oportun that Monday on XX/XX/2022. They told me that they would have a letter to me ASAP. I called later the afternoon as I had not yet received one and was told to wait until XXXX by the supervisor, XXXX XXXX XXXX I waited until XXXX pm and called back. I was told by the supervisor, XXXX XXXX that I would have one by the end of the day. By the end of the day, the mortgage company recommended that I contact the XXXX and you to inform of the predatory, poor and shady business practices of Oportun. I reported to the XXXX and you on XX/XX/2022 and sent a message to an Oportun executive through XXXX ( which with no surprise, did not receive any response ). On XX/XX/2022, I called first thing in the morning. I was told that they would put in another ticket request for me. I told that it was not necessary as many have been put in. I requested a supervisor or manager and they told that they would not be in until XXXX XXXX and that they would have them call me. Needless to say, I never received a phone call but received another letter dated for the same day ( XX/XX/2022 ) at XXXX. Since that is all I could get from them, I asked the mortgage company if we could work with it. They ended up working around it and contacting Oportun one last time to request a future dated payoff letter as they would send a check payment in full.
10/12/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 78541	Web
I got a personal Loan for {$500.00} was able to cash it as a Check, and have been making my Payments each Month, and Oportun takes my payment directly from my Bank account. Last Months payment was returned because my Bank made the mistake of returning a payment, I immediately called the bank and told them to Not return my payment cause I didn't want my payment to be late, and too also not get penalized for any late payments, my Bank couldn't do much, therefore I decided to call Oportun and make my payment with another bank account information, and I asked them if I was still on time, if there were gon na be any issues or late payments or maybe any fee that I was going to get charged for the situation with the Bank, and they said that I was still on time to make my payment and I didn't had to pay any fee what so ever. I was content that everything had been resolved. Later on, a Week or so later, I received a call from an unknown number, They were asking for me, and I kept asking the person who He was, like what Company or something, They never answered anything, sounded like a Scam, and hung up on me. That same day, I received a call, and I kept asking who they were and on the 5th time that I continued to ask who they were, the Lady said, Were from Oportun, and told me that I owed then {$15.00} for a Bank return Fee, I explained to them what had happened and Mentioned to them, that I was never told that such fee was gon na be made, and that my payment was on time, and it was an error the Bank had made, and I didn't consider such fee to be charged since it was Never mentioned in any way, and now 15 days later Im getting notice of this. I explained to them that the same situation had happened with another Company, and my payment got returned and they were able to remove those fees since they didn't apply and I had made my payment before the due date, its a fee that the system generates but they were able to remove it from my account and everything was good. After the whole explanation, the Oportun Representative said that I needed to review my contract and I needed to pay that {$15.00} fee. At this point Ive spoken to approximately 3 Representatives and they all blame the Bank, they don't want to remove the fee what so ever, and they are being very unreasonable with me as their Client, I have never experienced such poor customer service, and Ive experienced this type of situation before, and they are always so nice about removing any Penalty fees or any fee being charged into my account, since they can see I am a responsible Customer. Please help me out with this Company, I feel very unhappy about the whole thing. Thank You.
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	SC 295XX	Web
Good morning. I am extremely frustrated with my experience thus far as I have attempted to work with your company and utilize your hardship program. I initially contacted Oportun on XX/XX/2022 to discuss the fact that, due to a COVID related job closure, my income had decreased nearly 70 % and I was experiencing financial difficulties. One of your CSRs informed me that Oportun had a skip payment hardship program that I could enroll in that would allow me to skip payments on a monthly basis. I was told that I would still be charged interest, but that I would not have any late fees and that my account would not be reported as delinquent. I was also informed that I would still only be charged the {$25.00} or 5 % payment ( whichever was higher ) minimum payment once I was able to resume making payments. If I needed to continue utilizing the program, I was told to call back at least ten days before my payment was due in order to remain enrolled for subsequent months. I called back on XX/XX/2022 to enroll again and was informed that I could continue in the program. When I received my billing statement that month, I noticed that a late fee was charged and that I was being billed a past due amount. I called and spoke to another CSR who was unable to help explain what was happening and that I would have to call back later. Despite multiple attempts to get some more information and a resolution, I was unable to speak to anyone that was able to help me. I ended up filing a complaint with the XXXX XXXX XXXX as well as the Consumer Financial Protection Bureau in order to achieve some sort of resolution. I received responses from both of these complaints indicating that what I had initially been told was correct and that the late fee had been refunded. It was also reiterated that my minimum payment would only be 5 % of the balance when my payments resumed. Both of the responses indicated that I could continue to remain enrolled in the skip payments program as long as I called in monthly and spoke to a representative at least ten days before my due date. On XX/XX/2022, I called and requested an additional month of enrollment in the program. A CSR enrolled me in the program, read me the terms and conditions and informed me that I would need to call back in the next month to continue enrollment. When I received my statement this month, I again see that I have been charged a late fee and I still see that I am being charged past due amounts. My minimum payment is nearly three times what the 5 % payment should be. I have also been notified that Oportun has reported my account as 30 days delinquent on my credit report.
08/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94804	Web
I received a loan disbursement check from Oportun on XX/XX/2022 for {$5500.00}. I did not apply for this loan, so I called to ask why I received it and cancel the account. Oportun support told me that an account had been opened in my name and birthdate, but associated with an email address based in XXXX XXXX, XXXX and from a phone number in XXXX. Neither of those are associated with me. I followed up with an email ( XXXX ) to the company the same day confirming all of the details and reiterating my desire to close the account immediately. I was assured that an " investigation '' was being started. I followed up again on XX/XX/2022 asking for a status update. The company responded that it had forwarded the details of my " dispute '' ( again ) to the appropriate department. I began receiving account statements in the following months, and eventually late payment notices. I also noticed that they posted a late/non payment to my credit report that reduced my XXXX XXXX from XXXX to XXXX. IN addition, I would note that the check sent to me was never deposited, so the fact that they are charging interest seems disingenuous if not fraudulent. I followed up with a call on XX/XX/2022 to again check on status. The agent on the call told me there was no record of a dispute, and that she would forward my information and that in " investigation '' was being started that could take up to XXXX business days. I was not able to get contact information or other info about the investigation department. Needless to say, I am not confident anything will be done. It is quite clear that there are multiple issues at Oportun that suggest the company is not well run enough or competent to operate in the supposedly regulated financial services sector. Among these : XXXX. It is clear that the due diligence and XXXX process at Oportun is completely inadequate. They opened an account based on an application that was fraudulent on its face ( email address from a island in the XXXX XXXX and a XXXX phone number ). XXXX. The company has ignored my request to close the account and restore my credit report information on multiple occasions. There is no history of these interactions in the account record at the company. I would like to know what actions CFPB plans to take against this company. If you are unwilling or unable to act, then please let me know the best way to approach this issue. Thank you.
12/16/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	FL 32208	Web
Around XX/XX/XXXX I received a text message from lender stating I was eligible for a payoff settlement of {$560.00}. I immediately called lender to take advantage of this offer as I am falling on hard times financially and had trouble paying the {$1400.00} I initially owed which included late fees also. Once I called the agent & I made a agreement via phone that I accepted the offer and would have to pay 4 payments of {$140.00} every week for a total of 4 weeks in a 1 month span in order to pay off settlement of {$560.00}. I asked the agent could I also receive a email or letter for proof of that agreement she stated yes I would be sent both. I was so excited to pay this off and put this behind me. My first payment was supposed to be XX/XX/2023 Friday but on that date I went to the app to pay and noticed that there was so record of this on the app and also the balance was still {$1400.00}. I called the agent back to see why and she responded dont worry about that they have our agreement on file and it would shortly reflect in the app as well as the letter and email. I was a bit concerned with that and decided to Waite to see if I received any information of this agreement or If the app would reflect the new balance of {$560.00}. After not receiving anything and fearing that I would loose the agreement I called back on the XXXX of XXXX and made what was supposed to be my first payment of 4. After making the payment I still received no written proof of this agreement and the app also did not reflect it. I called today XXXX XXXX to make whats supposed to be my second payment out of 4 and spoke to 2 reps who had no knowledge of this agreement and also didnt see any notes of this agreement and encouraged me to pay the balance of {$1400.00}. After I explained to them the offer that I agreed to they transferred me to a rep that assured me the agreement was solid and that I needed to pay my second payment of {$140.00}. He stated they sent me a email XX/XX/XXXX as well as a letter in the mail and I confirmed with him that I did not receive anything that gave me proof of this agreement. He stated they are not able to send me a email or letter of this agreement and that I would just have to trust their word and that the calls are recorded and that I can use that as my proof. I feel this company has lied to me and manipulated me and forced me to make a payment. Please help me
05/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75062	Web
On XXXX XXXX Progreso know known as Oportun called to request a payment be made to my account and because I had fallen behind and I scheduled a payment to be taken directly from my current XXXX XXXX XXXX checking account. I agreed to have the payment taken from my account on XXXX XXXX, 2016 ; however, for whatever reason the young lady mistakenly processed my payment that same day and it was taken from my account on the wrong day after I had already gone into detail about the lack of funds available to process the payment any sooner due to my recent divorce. The payment had not been authorized for that day and she acknowledged that she had made an error on my account. Unfortunately, due to bank policies and fees my account was hit with XXXX seperate fees, each for {$35.00}. ( 1 ) for the initial draft of {$210.00} that was not authorized for that date ( 2 ) for a {$25.00} payment that was for a credit card I had scheduled my minimum payment for and only had the money needed to cover this charge and ( 3 ) an additional {$35.00} charge because the account stayed overdrawn for over 5 business days. I spoke to the Progreso now known as Oportun to inform them immediately about what would happen before the charges hit my account and they stated that the payment would not be paid, but I knew from previous banking experience that it would given my good history with the bank. I also informed them of my credit card payment being kicked back. I have requested a letter apologizing for the inconvinience in hopes to provide that to the bank and the credit card company but have been denied twice and as of yet have gotten no response to them crediting me back for the error they caused on my account. All they keep telling me is that they gave back the money for the initial error, but have yet to fix the other issue of the fees they caused on my checking account due to their error in posting a payment before the date it had been authorized. I have contacted them on a weekly basis since this happened and as of today any time I call, I have to explain everything every time. Nobody is taking accountability for the error their employee made and they definately could care less if I am out {$100.00} and are unable to provide an apology letter, but I do get letters asking for payment of a past due amount that is incorrect because they still owe me money too.
04/25/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	AZ 85013	Web
I was using XXXX ( savings account app ) when acquired by Oportun. On XX/XX/2023, I was unable to login which prevents me from accessing my money. On XX/XX/2023, I called Oportun and was told " this program is not supported over the phone '' and to email tech support. XXXX initially responded and provided troubleshooting. I attempted the troubleshooting. It did not work and I notified technical support including screenshots. On XX/XX/2023, XXXX replied and asked me to do the same troubleshooting steps. When I shared that it did not work, they told me they would look into the issue and respond within two business days. The second day after not hearing back, I called into the company. I spoke with XXXX and he told me he could transfer me to XXXX support if I called back in 10 minutes. I called back in 10 minutes, and was connected to XXXX. She informed me that no such support line existed. When I informed her I was told the line existed, she provided a number for support. After calling that number, the person answered in XXXX and the rep shared it was a generic support line and they could not assist. I was connected to XXXX and I described my issue to him. He informed me there is no live support for XXXX and I should reply to technical support 's email again. I let him know that technical support is not replying to my emails. He informed me that is the only solution available to receive my funds. I asked to speak to a supervisor and I was connected to XXXX. I confirmed with XXXX that my money is being held by Oportun and inquired how to receive the money and was told I must email technical support. When I asked to speak to someone in technical support, I was told they don't take calls. When I asked about other departments, I was told I may only speak to him, XXXX. XXXX let me know that he filed an escalated complaint that would take 10 business days to address. I replied to technical support after their two day window and still no resolution. On Monday, XX/XX/XXXX I received a call from Oportun support. When I described my issue again, they informed me my issue could not be addressed over the phone. They gave me the same email address to reach back out to. It has been 8 calendar days and over 5 business days without access to my account or my funds.
06/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	FL 34746	Web
IN XXXX IN THE MIDDLE OF THE PANDEMIC I STILL TAKEN A LOAN WITH THE COMPANY OPORTUN INC. WITH THE SUPPOSED PROMOTION OF HELPING YOU CREATE CREDIT FOR PEOPLE WHO HAVE NO CREDIT OR WANT TO BUILD THEIR CREDIT AS WAS MY CASE AT THAT TIME AND WE EVEN REFER SEVERAL PEOPLE INCLUDING MY WIFE AND THEY DO NOT REALLY CREATE CREDIT ON THE CONTRARY WHEN THEY DO THE INVESTIGATION OF YOUR CREDIT THEY MAKE YOU A HARD PULL AND THAT INSTEAD OF HELPING AFFECTS YOU AND ADDITIONALLY THEY CHARGE YOU FOR DOING THE INVESTIGATION, WHICH CONSTITUTES A TOTAL CONSUMER ABUSE, IT SHOULD ALSO BE HIGHLIGHTED THAT YOU SEE SAID CHARGE WHEN YOU GET THE CHECK ( YOU CAN NOT DO ANYTHING ANYMORE ) BUT EVEN WORSE IN THE MIDDLE OF THE PANDEMIC AND WITHOUT WORKING BUT TO SHOW MY GOOD FAITH AND RESPONSIBILITY I MADE AN EXTRAORDINARY EFFORT TO PAY OFF SAID LOAN SINCE THIS COMPANY DID NOT OFFER ME ANY PAYMENT PLAN BEFORE A PANDEMIC THAT MADE US LOSE SO MANY LIVES, THIS COMPANY DID NOT BELIEVE INCREDIBLE CREDIT IN MY HISTORY ON THE CONTRARY, IT HAS DESTROYED IT AND CONDEMNED ME AND MY CHILDREN TO NOT BE ABLE TO BE ABLE TO HAVE A DECENT LIFE IN THIS COUNTRY, WITH BAD CREDIT AND EVEN THOUGH THE WORLD WAS GOING THROUGH A CRISIS AND I MADE SO MANY CALLS AND OPEN CASES WITH THEM SO THAT THEY WOULD ESCALATE MY CASE AND SO THAT THEY DELETE THAT ACCOUNT FROM MY HISTORY, THIS COMPANY OPPORTUNITY INC. . IT IS REFUSED, LIKE THE DIFFERENT CREDIT AGENCIES. ONE OF THE CASES THAT WE OPENED BEFORE OPORTUN INC, IS UNDER THE NUMBER # XXXX, BUT LIKE MY CALLS, THEY REFUSED TO HELP. ON THIS OCCASION WE APPEAL TO THE SOLIDARITY PART THAT ANY COMPANY SHOULD HAVE AND MORE IN THIS CASE WHICH WAS WITHIN A WORLD PANDEMIC, IN WHICH THOUSANDS OF PEOPLE WERE BEHIND IN THEIR PAYMENTS AND IN WHICH ALL THE INSTITUTIONS HELPED THEIR CLIENTS, REGRETABLE IT WAS NOT MY CASE, THIS COMPANY DENIES ME HAVING A FAIR CREDIT THE LOAN WAS FOR 12 MONTHS FROM XX/XX/XXXX TO XX/XX/XXXX, BUT I PAYED IT OFF ON XX/XX/XXXX THROUGH RECEIPT # XXXX ISSUED BY OPORTUN INC AND IN WHICH THEY REITERATE SAYING : ( THANK YOU FOR CHOOSING US FOR HELP BUILD YOUR CREDIT HISTORY ) TOTALLY FALSE. WE LATER REQUESTED A BALANCE LETTER AND IT WAS ISSUED ON XX/XX/XXXX.
12/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NJ 07601	Web
This company popped up on my XXXX XXXX saying that I had high chances of getting approved from a loan up to {$1500.00} with them. So I did the pre-approved application with them on XX/XX/2020. I submitted all of my documentation on the site and they allow me to link my bank accounts in which they did not accept but when I called them they refused to remove my XXXX and XXXX they said that they were prepaid accounts and that I can not use that for deposit. So I had to call XXXX to get into my XXXX account that I hadnt used in a while. I finally was able to access it after a week, throughout XX/XX/XXXX to XX/XX/XXXX this bank has called me continuously saying that I was pre-approved and that I had to send in the rest of my documents. On Sunday XX/XX/XXXX, I uploaded the first page of my statement ( as requested ) and was told I would get an answer back if approved or denied in 15-30 minutes. That time went by I called they told me the same thing, the time went by again, I called again they told me sorry for the miscommunication 30 minutes to 24 hours that I will received a TEXT MESSAGE or EMAIL stating if I was approved or denied. Monday came and left was calling and they would say the same thing 30minutes to 24 hours, Tuesday came they said the same thing, Wednesday through Sunday no communication from either one of us. Monday XX/XX/XXXX I call and spoke with someone they said my application was denied and that I will received a response by mail, then they told me my application was canceled. All communication was by phone, text, and email when they kept contacting me to send in documentation. Now? They refuse to give me an answer as to why I was denied, my credit is in good standing and all I needed to do was submit my banking information they ran my credit I received the inquiry but promised me a response with a certain time frame and didnt get back to me now are saying I have to reapply. I do not want my information in their system anymore they refuse to take it out of their system as soon as I sign in my name and personal information comes up telling me to reapply I do not want to reply I do not feel comfortable them having my information.
12/07/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	MA 01420	Web
On the date of XX/XX/2023 at XXXXXXXX XXXX. eastern time zone, I had dial the dedicated customer service phone number for the Oportun 's credit card department at XXXX and pressed 1 when prompted to speak to live agent. I was able to connect effectively and spoke directly to a customer service representative for Oportuns credit card services department. His name was XXXX and he requested to give him specific information to verify my account in which I immediate did. After he verified my account with the informationI had given him, I had asked the representative if my credit card is still currently active as of today. He told me to wait while checked it on the computer but few minutes later he told me that my credit card was closed. The one and only main reason he said it directly from him what he sees in his computer was that there were " no activity '' ( no usage ) on the card. The card was closed on XX/XX/2023 and there were no explanation before or after it had been closed. I also asked him if he could turned it back on but he said that he can not and I have to reapply again. I then proceeded to ask if he could transfer me to a supervisor or someone who authorized that deals with these type of issues and concerns. He said he can not. I did not want to argue over the phone for his refusal and ignoring me to get this fix so I politely end the call. I had NEVER owed debts, NEVER made late payments, nor NEVER carry balances over on all/any Oportun Credit Card . The ONE AND ONLY main reason why my credit card was closed unexpectedly without proper notice was because I did not use the credit card ( no activity ). This type of act is not even serious enough to warrant to a closure. I still have direct procession of the Oportun credit card and I use it only when I needed it. Closing someone account is not right, I understand that I am a XXXXXXXX living in a city and neighborhood where it is from low to medium income area but that does not mean the people who decided to deactivate think/feel I am a nobody and I do not have the right or even privilege to have this card. Closing the card for one small thing is a slap in the face purposely.
04/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 283XX	Web
I lost my job back on XXXX XXXX and trying to keep a roof over my head I was unable to make my payment for XXXX. it wasn't even a week later they started calling me at least once a week. I can't remember if it was a week or two weeks ago I made an agreement to pay {$5.00} before or on the XXXX XXXX XXXXXXXX. I just got my paycheck an hour ago tried to go online and pay the {$5.00} payment but the minimum they would allow was {$50.00} so I called customer support to try and pay the {$5.00} payment but the minimum they would take was {$10.00} over phone with my debit card they claimed only way to take the {$5.00} payment was through the bank account which the account they have on file is my cash app account and I don't use that except to send my children cash or husband cash and when I applied they wouldn't not accept my XXXX bank account for payment reason or deposit I received the money through check form and signed up to pay manually cause I don't trust the contacting the bank for money method cause it's doesn't not come right out of the account when you do that with several companies like it does with debit cards and it mess up my account when they do that. when I made this payment agreement nothing was told to me about minimum amount online, over the phone. the company asked what I could afford by the XXXX and I agreed to {$5.00} they offered to extend my payment which I refused cause I agreed to a certain amount by a certain date and them extending payment is a way to charge me extra late payments. I'm trying to pay them back but at time I can not afford but the {$5.00} I agreed to pay by today and in my book them not taking my payment of {$5.00} with my debit card is refusing to accept payment and I'm not sure but I have been informed that refusing to accept payment of what I agreed to pay and them asking for more is a breach in contract on their part. I asked to have a supervisor put on the line and instead of pushing me on to a supervisor the customer service keep trying to keep me on the line with her. I hung up went looking for help online to who to contact about this matter.
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 32257	Web	Servicemember
On XX/XX/2022 While at a XXXX XXXX branch in XXXX Florida we discovered a personal loan of {$6400.00} in an account in my name in XXXX XXXX XXXX FL with XXXX XXXX XXXX XXXX My Credit Score drop from XXXX to XXXX because Oportun failed to verify the proper identity of the loan 's owner. The owner failed to make any payments on their obligations. Oportun is a loan agency based in California. The XXXX XXXX agent informed us that the account was in my name and used my SSN. The bank agent told us that the phone, mailing, and email addresses were not the same as our contact information. XX/XX/2022 I created a new email address ( XXXX ) and reached out to the Oportun Customer Complaint email address ( XXXX ) and demanded that they correct their error. I received a reply fairly quickly on XX/XX/2022. I found out the unauthorized Oportun account was created on XX/XX/2022 with account # XXXX using my name. This information was posted on XXXX XXXX, XXXX, XXXX, and XXXX. XX/XX/2022 I received an email from an unknown person at Oportun stating they filed the proper paperwork and will follow up as soon as possible. I replied thanking them for their fast reply but feel the message from Oportun was auto-generated. XX/XX/2022 My research with the various credit bureaus yielded additional information which I provided to the Oportun complaints email. Not a single individual has yet to reply to me from Oportun. XXXX XXXX Received another anonymous reply from Oportun but was not provided a case number nor any indication of urgency. The unknown person stated, " We are sorry to hear about the trouble that you recently experienced with us. Our Customer Experience Department is still looking into it and will follow up as soon as possible. '' Sincerely, Customer Service Oportun XX/XX/2022 ( today ) I filed a complaint with the Federal Trade Commission ( FTC ) and the CFPB against OPORTUN/PROGRESO FINANCI for their part in identity theft. Soon we will report this to local enforcement as recommended by numerous agencies including the FTC.
06/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 75087	Web
On or around XX/XX/2021 Oportun ( Lender XXXX ) opened a credit card in my name without my permission. I have extended fraud alerts on my credit files, with all credit bureaus which specifically state that all information before an application is approved, must be verified by ME first before approving the application. This a fraud victim statement and my phone number is listed on the statement. Oportun chose to ignore that and instead went ahead and opened the account. I never signed any documents and I did not receive any credit cards. Nor did I ever make any purchases on this account because again I never received any cards. I tried to retrieve the login information based on what Oportun gave me, and I can not login. Nor can I retrieve the credentials because it is tied for a fraudulent email address ( XXXX ) and a Fraudulent phone number that ends in XXXX. Which again, Oportun stated they verified, and that phone number is not my phone number, nor is that what is listed on my credit files either. Oportun allowed payments to this account from a bank account that has been closed due to identity fraud, I never owned that bank account either and it was closed immediately. I am a victim of identity theft, and Oportun believes it's in their best interest to charge me for something I did not authorize. Nor did I approve said account, or any charges for that matter. Oportun shows a balance of {$730.00} and a limit of {$450.00} as charged off. This is false because again, I never applied for this account nor did I make any transactions on this account, and Oportun DID NOT verify my information clearly since I can not retrieve the credentials, and It's tied to information that doesn't match mine. Oportun was sent a FTC Report which is a valid LAW ENFORCEMENT IDENTITY THEFT AFFIDAVIT, but again Oportun refuses to assist because I did not complete their own Identity Theft Affidavit Allegedly. Again, I have a ID Theft Affidavit already and I attached it to this complaint. I want this corrected.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46544	Web
When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified! It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as XXXX, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus! If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.
01/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91803	Web
In XX/XX/XXXX, I have taken a loan from OPORTUN, with the amount of {$2600.00}, 19 months loan term, payment amount is {$87.00} every two weeks. And I registered automatic pay from the very beginning, it automatically charges from my bank account {$87.00} every 2 weeks. It went well for more than one year. One day, in XX/XX/XXXX, I received their call about offering me another loan, I refused it, and told them don't call me again. After XXXX XXXX, they canceled my auto payment without my permission! Without any notice! I didnt know it until 3 months later! After I noticed my credit dropped dramatically -- -- more than 100 score. Then I realized I haven't paid for 3 months. On XXXX, I called and argued with them why they did this. They said : because you said don't call you again, so we cancel auto payment! And they asked to pay the rest of the loan plus the late fee {$620.00}. I paid them the rest of the load plus a late fee of {$620.00} as soon as possible to prevent further problems. But I didn't know that my bank refused the payment until 3 months later. So I paid off in XXXX. XXXX. All of those happened because they canceled my auto payment. But they still reported me to the credit bureau ( XXXX and XXXX ) for 3 months late payment and 3 month charged off. Then my credit dropped a lot. It is totally unfair since all of this is not my fault. PS : You can see on documents, they wanted to report me for 3 month late payment on purpose that my bank automatically paid {$87.00} on XX/XX/XXXX, but they even returned it on XX/XX/XXXX. After that, they just canceled my auto payment. I try to negotiate with them to remove the bad record .They refused. I also reported to Credit bureaus, but failed. After I have the bad credit, I recently cant get any loan to support my life during the pandemic ; and every time when I think about what they have done to me makes me very sad, it had been affected my mental health significantly for more than one year.
04/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92507	Web
On XX/XX/XXXX I paid the last loan balance to Oportun ( Oportun/XXXX ACH XXXX Tel ID : XXXXACH debit {$110.00} ) and I also paid ( Oportun/XXXX ach XXXX TEL ID : XXXX ACH debit {$42.00} ) for the new loan of {$500.00}, the situation is that they, Oportun are calling the people that they asked me as a references to tell them that I owe money to Oportun and that they had not being able to contact me. That's not true because Oportun has my two phone numbers and even they can call me or text me to me, but Oportun never called me or sent me a text message telling me that I'm late with payments. The only call I received from them was in the month of XX/XX/XXXX, asking if I know XXXX XXXX, because he was applying for a loan with them. First of all, it is all a lie that Oportun is telling it to my references friends, that I have late payments and that they have not been able to contact me, especially I do not have any problem with making payments to them and my checking account shows that they collected the money and that's fine, now XXXX XXXX XXXX told me that it was a confusion and that they will try to fix the problem, all this happened, today XX/XX/XXXX, in an hour later I received a called from XXXX XXXX, my friend, that Oportun called him because they are trying to contact me and that they have not had any success in reached me, so I called Oportun again and let my friend listen the conversation, and he found out how bad Oportun is doing with me, again the guy from Oportun said everything was fine. Those calls that Oportun is doing to my friends is putting me in a bad situation with them and this harassment is giving me so many headaches. I would like to be able to bring a legal action against them, but I do not know what my rights are that I have. So Im demanding that Oportun, pay me for the loss or waste of my time, the damages and prejudices that Oportun had having brought against me. Please, help me with this matters, thanks
01/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30349	Web	Servicemember
OPORTUN XXXX XXXX XXXX fraudulently opened a credit card in my name. I have since forced them to close the credit card which I never activated as I did not want their credit card. However, the {$25.00} annual fee was not removed. I called on multiple occasions to have the fee removed and was assured that it would be removed, even here on the CFPB 's online platform in a response to my complaint from OPORTUN XXXX Yet today I received an email notice claiming that the annual fee as due! Hi XXXX, Your Oportun XXXX XXXX XXXX payment of {$25.00} is due today. There are many convenient ways to pay : Online If you have an online account, log in. If you dont, you can create one today to pay online with your checking, debit card, or savings account. By phone Call XXXX to use your checking, debit card, or savings account for a one-time payment, or set up automatic payments. In person Pay in cash at any XXXX location nationwide, including inside XXXX and XXXX. Bring your Oportun account number. Use receive code XXXX. To learn more about your payment options, visit Oportun.com/payments or call us at XXXX. Online and phone payments must be made by XXXX XXXX to credit account same day. Impacted by COVID-19 and worried about making payments? We can help. Call XXXX. Thank you, Oportun Oportun XXXX XXXX XXXX XXXX XXXXssues by XXXX, Member FDIC I immediately called Oportun Visa, and was told by a customer representative named XXXX, that the fee had not yet been waived although the account was closed and that she had pressed the button to commence the process of removing the fee! Due to the fraudulent action of this company in opening an account against my explicit instructions not to, and their demonstrated incompetency in removing the annual fee to date, it would prove imprudent to trust their ability and or willingness now. Therefore, I am submitting again a new complaint against them for their continued fraud against me!
12/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	WA 98168	Web
Hello, Back in XXXX, I lost my oportun credit card and multiple unauthorized charges were made on it. Oportun contacted me via email and Text to confirm if I was authorizing the unusual transactions and I responded that I was not authorizing those charges and reported my card missing not in my possession. Oportun informed me that although certain transactions were blocked, unfortunately multiple unauthorized charges went through which we filed a dispute on. I have been waiting to receive my replacement card in the mail for over a month and was informed by oportun that once I receive the card and activate it, those fraudulent charges posted on my account would be removed. That was not the case because after activating the current card ending in XXXX, the charges were still reflected on my account. I have tried to reach the agent XXXX from the investigation department that sent me a letter with her phone number who is in charge of handling this dispute over ten times and left her multiple voicemails in the month of XXXX but I have not received any response. After comparing about XXXX unresponsiveness, another agent was assigned to the claim beginning of XXXX but that agent has not yet contacted me as of today XX/XX/2021. I just called Oportun to inquire what the status is and was informed there has been no updates and supervisors were not available to speak to me. The current balance reflected on my account are all from those fraudulent charges and the due date has passed which accumulated late fees and interest. I have received multiple emails from Oportun reminding me that Im late on the payment which I am not liable for to begin with. I want these fraudulent charges & fees removed from my account immediately. This has been a very frustrating and really inconvenient process. Oportun decided to increase my credit limit in XXXX but has still not resolved this issue from XXXX which doesnt make sense at all.
10/15/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	GA 30236	Web
The Company is Oportun Visa Credit Card Address : XXXX XXXX XXXX XXXX XXXX TX XXXX /On XX/XX/XXXX at XXXX I spoke with a Oportun Representative, I requested that the account be closed and that since it hasn't been 30 calender day that the annual fee be waived since I will no longer be using the card, I requested that they both, ,email and mail me a Debt/ Payoff letter that details and state the correct status of the account, that it is closed with a zero balance, due to the annual fee being waived, that representative said that, that wouldn't be a problem, she stated that the account is being closed, a request for the annual fee to be waived will be submited, she stated XXXX minutes later that the request for the fee to be waived had been approved, she stated that I would receive a Debt/Payoff Letter that will include information and details that show the account is closed with a zero balance and that the letter will show the annual fee has been waived and I XXXX XXXX XXXX am not responsible for the annual fee, unfortunately on XXXX XXXX, I received a letter that only stated the account is closed and that their is a remaining balance, which their shouldn't be, I was no longer using the card and that the representative promised I wouldn't have to pay the annual fee because I'm no longer using the service, it appears that Oportun Visa Credit Card has already violated FTC Section 809, by refusing to provide me with the correct requested documents or document that states I'm not obligated to pay the annual fee, what companies like Oportun Visa tend to do is deliberately avoid providing information that exempts the consumer from paying fees that are no longer valid after the account has been closed, then they commit that act of inaccurate credit reporting by reporting false information on the consumers credit report, violation of FTC Section 807 ( False and Misleading Representations.
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92882	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! I would like to bring your attention to the following fraudulent accounts on my credit report : Account XXXX : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$300.00} ] Account 2 : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$820.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Account XXXX : Creditor Name : [ XXXX XXXXXXXX / XXXX XXXXI ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Credit Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 36526	Web	Servicemember
On XX/XX/2022, I applied for a loan through Oportun/XXXX XXXX I was approved for the loan in the amount of XXXX to be issued in a form of a check within 10 business days through the mail. I signed a contract on XX/XX/XXXX. XXXX and payments were to begin on XX/XX/XXXX of XXXX. I called on XX/XX/2022 to get a staus of the check and was told check had been issued on the XXXX XXXX. XXXX and the check should be recieved by XX/XX/2022 through certified mail. The check did not come and I called customer again on XX/XX/2022, and was told that the check was sent out of XX/XX/2022 through regular mail, and it takes 10 business and I should have received check already. I waited unitil Monday XX/XX/2022 and still no check. I call again on XX/XX/2022 and explained I was given two different dates the check was sent out, and I had not received the check. The rep stated he saw in the records that two different dayes was given, and he would get with a supervisor. The rep state supervisor will escalate the matter and see if they could track the check, and I would receive a email on the tracking of the check in two days, and I should be receiving the check before Friday XX/XX/2022. I have contacted customer again, on XX/XX/XXXX and still no help. I have resquest for loan to be canceled due to none funding of loan. The rep stated I would have to call back in 7 business days to see if loan would be canceled. It has been 3 weeks, and I have not received the loan money in the XXXX for the contract that was sign. I am looking to take legal action for Oportun 's unethical behavior of agreeing to issue a check with a sign contract, and did not follow through with agreement. At this point, its been pass the 10 business days, and I wish for the loan to be canceled.
08/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 494XX	Web
Back in XXXX of 2021 I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXX, Mi, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}, and although the company kept this items and still refused a refund this credit card company is still refusing to return funds to me. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the XXXX XXXX and never received a call back. I then received XXXX letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. Attached is my most recent compliance with the company, along with the confirmation of the fax. I resubmitted this claim a week ago with the same information that they keep requesting and stating I'm not providing with an additional fax confirmation. I'd like my money back along with all interest charged as a result due to them reporting this amount as owed to the credit bureau during my dispute.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10003	Web
Dear OPORTUN/XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name OPORTUN/XXXX Account number XXXX Account type Credit card Responsibility Individual Date Opened XX/XX/2021 Status Closed. {$680.00} written off. I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant XXXX and adversely impacting my ability to access credit and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. Sincerely,
01/22/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	VA 241XX	Web
In regards to this bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 a load agreement was made between opportune and I for the amount of XXXX $ plus interest. They said they would be mailing me a check. I made a payment early in hopes to repair my credit of {$23.00} on XX/XX/2021. I still haven't received a check in mail for this loan.. I haven't made another payment after that. I have made many calls to them. & talked to just about every person in every department of this bank to get this resolved. At first they keep telling me to Waite few more days ..I would Waite couple more weeks. & again no check in mail.so I called back..there was a file made where I have made so many calls and a file has been reported informing of my calls and that I haven't got any check in mail..i was told they would send another ..in XXXX..and again..no check in mail.. now they keep sending me texts saying I am past due and keep calling informing me of my late payment ..not only that my credit score has went DOWN XXXX points!!! Opportune has been able to tell that I have not cashed any check from them .because they stopped payment on the first 2 and said they would just send another. NOW they have my correct address because I have received letters in mail about my late payments due..but they can't seem to send the money. I don't want to pay for something I never received and what I started off trying to do to fix my credit score has made it 100 times worse.. I at one time even tried to opt out of the contract of this loan .to where they said that wasn't an option..nor was a direct deposit into my card account was either... PLEASE HELP!! XXXX XXXX thank you.. You can contact me at XXXX Or At e mail XXXX XXXX
04/14/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91306	Web
I will try to remember as much as possible. In XX/XX/XXXX. I got a loan from oportun for {$500.00}. I was very happy to pay the loan back because it would help my credit. Within the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have been having financial difficulty because I needed repairs done to my car every month back 2 back. I have called oportun every month to inform them that I'm having car problems and as soon as I stop having car problems I will start to make my monthly payments. Oportun did not care about my money situation at all and oportun has stopped me from making monthly payments because they asked me if I have a lawyer and I said yes I do have a lawyer. Therefore Oportun has stated to me that because I have a lawyer they can not allow me to make payments until they speak to my lawyer. ( I am supposed to have a lawyer, I am a united states citizen, and by oportun locking my account to not make payments it against my Constitutional Rights! I called oportun this month XX/XX/XXXX and oportun told me that if I say that I will not sue them they will put me back on a payment plan. I told oportun that I will not sue them and oportun still said that they cant allow me to make payments. Oportun is full of lies and deception. 1st Oportun told me that if I say that I will not sue them I can continue to make payments. 2nd then oportun told me that they cant let me make payments until they talk to my lawyer. Which one is it? Oportun is a deceptive company who is only out to destroy people credit and they wont wouldnt allow me to change my billing date and oportun charges us people like me on ssi of which I only get paid once a month with 2 payments a month which is unlawful against the XXXX.
05/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	KY 401XX	Web	Servicemember
I have e-mailed XXXX and have called XXXX about adjusting my APR under XXXX XXXX XXXX XXXX XXXX ( XXXX ). They have repeatedly told me each time Ive called that their computer system cant change the APR rate. Ive tried asking for a supervisor and each time they have told me their supervisor is not in today. Then Ive tried asking for any manager. The employee on the line proceeded to tell me to stop wasting their time and I can hang up. More recently XXXX XXXX I called asking to be transferred to the American office. The employee told me he cant and doesnt have a way to reach an American counterpart. When I tried to email them asking to talk to someone about SCRA, I received this response back : Thank you for reaching out regarding the Oportun Visa Credit Card. Your question is very important.If you have any questions about your application, please call XXXX, from XXXX XXXX - XXXX XXXX XXXXXXXX Mon - Fri or XXXX XXXX - XXXX XXXX XXXX Sat Sun.If you have any questions about your account, please call XXXX, from XXXX XXXX - XXXX XXXX XXXX Mon - Fri or XXXX XXXX - XXXX XXXX XXXX Sat Sun. You can visit Oportun.com/creditcards at any time to login and view recent transactions, statements, set-up account alerts, or to review your account information. Also you can visit our web chat Credit Card service in our website www.oportun.comSincerely, Oportun General CC SP. I tried calling the XXXX as another line and the employee said he couldnt find me and I needed to provide a credit card to verify my identity. I tried to give the Oportun account credit card but he said he couldnt use it and to stop wasting his time and I could hang up if I wasnt going to give him a valid credit card number.
06/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	NV 890XX	Web
I was led to the Oportun credit card by a XXXX XXXX that is dedicated to educating people about new credit & lending opportunities ( XXXX XXXX XXXX XXXXXXXX ). Herein, I was seeking unsecured credit cards to build my score, credit mix, & profile in short order, and the Oportun card was described as offering a soft credit pull ( non-score impacting ) prior to full approval, so I decided to take a look at the Oportun site to see if this was true. Upon visiting the site, I did in fact confirm that Oportun does advertise a soft-pull pre-qualification, so I decided to enter my personal information into their online application form to see what the credit offer would be. Instead of providing a preliminary pre-qualification offer based upon a soft-pull of my credit, Oportun performed a formal hard-pull credit inquiry without my permission, knowledge, or consent. The Inquiry was also reported to all 3 credit bureaus & my credit score was negatively impacted. I immediately called Oportun to complain & to request that they remove the inquiries immediately. Still, I was met with difficulty, refusal, combativeness, & a generally stonewalling presentation by the various customer service reps that I'd spoken to. In addition to calling the credit bureaus directly ( wherein I was instructed to make the removal request directly to Oportun ), I've also called Oportun twice more on two separate occasions to rightfully demand the immediate removal of the hard inquiries reported to the bureaus, to no avail. I still have not been informed if I was approved or denied a credit card, although the Oportun service representatives advertise & promise a 24-hour application determination.
09/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO 80013	Web
On XX/XX/XXXX, I attempted to pay my bill in full, a total of {$450.00}. I made a payment. On XX/XX/XXXX, I logged into my account and noticed that the payment had not been posted, nor were there any pending transactions on my account. I proceeded to make another payment of {$450.00} in an attempt to pay off the balance. Both payments posted as of XX/XX/XXXX. My bank account was charged two payments of {$450.00}. My account balance on Opportun was - {$450.00}. On XX/XX/XXXX, I called customer service and explained the issue of the double payment and requested a refund. They said it would take 30 calendar days to receive a refund of the overpayment. 30 days! I was not happy, but I felt I was in no position to argue their policy so I acquiesced. On XX/XX/XXXX, I realized I had not received the refund check by mail as promised, so I called again. They said that I should call back in 3-5 days to make sure everything was good. I conjectured that I had already waited 30 days. They assured me everything was good. I called once again on XX/XX/XXXX and was eventually pushed to a supervisor. They claimed that a ticket was never created for my refund, and again, I would have to wait 30 days. I argued that this was unethical, and that they should call me when the check was being sent as I was in need of the funds. They called me back immediately asking for confirmation codes of my payments. I told them I had no record of confirmation codes, and that my online account still reflected the double payment. They told me I may have to wait 30 days once again. As of XX/XX/XXXX, I have not received my funds, nor have I received confirmation that a check is on its way.
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92027	Web
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. *USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!! XXXX XXXX UNVERIFIED ACCOUNT
05/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	NC 28262	Web	Servicemember
XX/XX/2022 Oportun Credit Card/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX / ( XXXX ) XXXX To whom it may concern ; Hello. My name is XXXX XXXX. I am writing to lodge a formal complaint against the Oportun Credit Card issued by XXXX XXXX. I have been an approved member of the Oportun Credit Card for a number of months ; however, I still have yet to receive a Credit Card via the United States Postal Service mail. I have spoken with the outsourced Oportun Credit Card customer service center many times and have been told each time that a new card would be issued. I still do not have a credit card to use. I have filed numerous XXXX XXXX XXXX complaints as well, to no avail or response from Oportun. Since the opening of the credit account, Oportun has charged me {$29.00}, labeled as an annual fee. I believe this is a case of credit card issuer fraud. I am hoping that this complaint to XXXX XXXX will be able to resolve my plight. I am a member of other XXXX XXXX credit products- in good standing. So, it is very troublesome when I think of the piss-poor service that I have received from Oportun. I would recommend that XXXX XXXX rethink their relationship with this card issuer, if they do not have the skillset to professionally operate their business to high consumer standards. I am demanding a fee-free expedited delivery of a credit card to my home address, to be delivered via XXXX or XXXX at once! I expect to hear from XXXX XXXX or Oportun via telephone call immediately upon receipt of this complaint. Thank you, XXXX XXXX XXXX
05/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77433	Web
I have a loan with a company called Oportun. They do not provide ANY statements and/or information AFTER you sign for the loan. You can not access online how your payment is applied to your account. I have two other personal loans, and BOTH of them reflect every charge, and every payment online. I can not get any statement from Oportun in writing or online, and two months ago they reported me as being late {$18.00} on my credit report - yet I h ad no letter from them informing me of this in advance - clearly I would have rectified that!!! Also, I accidentally said yes keep my bank card as the default payment, and it gives you no option online to UNDO that!!!! Their service and structure is basically in XXXX, and their " shell company '' is addressed in California. Frankly, I do not think this company should be allowed to do business in the United States. On their web page - it says that you can pay by your bank account, and that does not work, and also the site says that is is secure - but there is no https in front of their web address. If I try to call to get any help - I can very rarely get ANYONE that speaks English as their native language. To date - I have not received ANY account statements ; any online account information that covers payments, interest, late charges, and during the COVID-19 issues - their words over the phone were VERY confusing, and not VERY helpful at ALL. And to even reach a person there - it's many numbers and steps, and you are basically sent to XXXX! I will NEVER borrow from this company again, but I feel as a United States Citizen - I AM ENTITLED TO MY ACCOUNT INFORMATION!!
07/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 105XX	Web
I made a payment thru a debit from my checking acct on XX/XX/XXXX, it was acknowledged by Oportun on XX/XX/XXXX and debited by XX/XX/XXXX. I called on XXXX to check on if it was applied to my account ( it was about the normal time it takes -- although to push on your an " instant '' payment, which they want you to pay for. I find it ironic that anyone would pay to make a payment ). I was told by the XXXX XXXX who could barely speak XXXX that it would credit on XXXX. I did not check the account again until XX/XX/XXXX and it still did not credit. I called on XX/XX/XXXX and was told it was an error on their part and they would " expedite it '' and it would happen in a a few hours or at worst overnight. I checked again a few hours later and was told that the " expedite '' information was false and now it would not credit until XX/XX/XXXX ( which is unacceptable ). They also asked me five times to update my monthly income, which I refused. I spoke to a Supv ( no help and was told " you'll just have to wait '' ) and ultimately a " Manager '', who said the same thing, but he would " file a report '' and I had to wait until XX/XX/XXXX or when I hear from them. All unacceptable answers. I don't know what happened to Oportun-XXXX, maybe they were sold, but their rules and XXXX has vanished and it is the XXXX XXXX. The customer never gets service and is NEVER right. I want this closed and reported to the credit agencies as closed because of their failure to provide service. I did nothing wrong. I feel like Oportun credit cards are a scam. I will also reverse/dispute the charge to my checking account ( now they can wait ).
03/01/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92562	Web
I received a pre approved offer for a personal loan from Oportun I went online submitted my information I was told I was approved & that this loan approval would not impact by fico score, I was asked to finalize my loan with confirmation of my identity & employment & proof of residency & bank statements I submitted this information online, Within minutes I received several responses asking for the same information over n over than to call the phone number given to me so I called then I was told that my application will be submitted for approval & that I would receive a message for funding which I was confused because I was told I was approved prior & the information I was asked to send online was to finalize the loan. Minutes later I refuse notice that my credit was checked from my XXXX XXXX app by Oportun then I received a message I was not approved? My credit score is around 690 I called Oportun for answers as to why I was told I was approved & to finish with the loan process to fund my loan the after sending my information I was told no I was not approved & my credit reports were accessed when I was told that my credit would not be this was explained verbally & on the online application process. I was also redirected several times to different numbers were I had to give my information over n over with out clarity. The entire process is a waste of time with promises of helping those with less than perfect credit or attempting to rebuild your credit, my credit is @ XXXX in good standing I only applied to add several points to my credit profile as I was told this loan would help achieve my goal of XXXX fico.
01/21/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90019	Web
On XX/XX/2015 I applied and was immediately approved for a loan with Oportun/Progreso Financiero in the amount of {$3000.00}. A few months after due to hardships I fell back on payments and due to their high fees I couldnt keep up resulting in default on XX/XX/2015. At that moment Oportun/Progreso Financiero started calling repeatedly friends & relatives disclosing my debt and personal information, during that time I received from them up to 9 calls a day. Soon after I requested not to be called which they honored but they remain calling friends & relatives. Throughout the years have tried settling or coming to an agreement with Oportun/Progreso Financiero but unfortunately they have rejected my attempts. They keep increasing exponentially the loan and expect me to pay for an absurd amount completely unrelated to the original loan. Recently contacted the XXXX XXXX XXXX in XXXX XXXX for assistance with this account which is affecting my credit score. Unfortunately XXXX wouldnt take my case due to Oportun/Progreso Financiero being a hard to work with company that follows shady practices. The Account was closed & charged off on XX/XX/2015 but they keep increasing the loan amount month after month. As of today the account shows a {$8400.00} balance which is completely inaccurate based on what the loan amount was at the time of charging-off the account. **I have submitted letters to the 3 major credit bureaus ( XXXX , XXXX , XXXX ) to dispute the information. XXXX Case number : XXXX XXXX Case number : XXXX XXXX Report : XXXX
04/11/2022	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	CA 95367	Web
I received a letter in the mail from Oportun Personal Loans on XX/XX/XXXX that an account with my information was going to be enrolled into an auto-debit plan with a bank account that is not my own. I called the company and they transferred me to their " Fraud Dept ''. I asked to inquire details about the loan and why a loan was taken under my name, address, and information without my consent. ( I never applied for a loan ). They would not disclose any information on the account unless I submitted paperwork that they were going to send me. I gave the customer service representative the loan number that was listed on the paper that was mailed to me as well as my name. Apparently that information was not enough and he proceeded to ask for my social security number, driver 's license number, and birthdate. He said that without that information he would not be able to give me details of the loan. It all sounded very suspicious and very much like a phishing attempt so I hung up. A Few business days later I get a letter from the company asking details about the account with a separate form asking those very questions ( DL #, Social Security #, birthdate, etc ) I quickly ran a credit report through my bank and XXXX and was able to see that Oportun ran my credit without my permission. I had no idea that it was ever run. Here are the details of the company : OPORTUN/PROGRESO FINAN Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX
01/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	WA 98168	Web
On or around XX/XX/XXXX, my Oportun XXXX XXXX XXXX and phone was stolen and was used to make multiple fraudulent transactions which I reported to Oportun the following day after receiving email alerts from Oportun asking me to verify recent transactions which I responded that I didnt authorize. My card was blocked by Oportun and a claim was filed for the the following XXXX charges ; XXXX # XXXX ; {$610.00} XXXX XXXX XXXX ; {$200.00} XXXX XXXX XXXX : {$25.00} XXXX received my new Oportun card in the mail shortly after and activated it but as of today XX/XX/XXXX, those fraudulent charges are still reflected on my account with interest and late fees being charged for the past two months totaling a current balance of {$950.00}. I dont know if my credit score has been negatively impacted either. everytime I called Oportun almost on a weekly basis to get an update and spoke to multiple supervisors, I was told the same thing, just to wait. Until two days ago I found out that Oportun transactions review department didnt finish confirming the fraud that happened in XXXX because along those three fraudulent transaction I posted above, there were other attempted fraudulent transactions which were blocked by XXXX fraud system and they wanted to verify if I was the one making those transactions. I confirmed to them that I indeed didnt authorize any of the attempted blocked charges in question and they apologized that it took this long. It has almost been 90 days and no resolution has been provided. Shame on Oportun
01/07/2023	No	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 33023	Web	Servicemember
I was not able to make my XX/XX/XXXX payment because I moved and because some unscrupulous realtors stole my deposit I fell behind on everything. I was not able to pay any of my credit cards on time which resulted in several of them constantly calling and re arranging the payment. Oportun credit card was one of them that did not stop calling, even after explaining the situation and even giving them a date that the payment will be made ( XXXX XXXX ). I was stated by the representative, a lady that if I paid {$120.00} by XX/XX/XXXX everything will be fine and I be back to normal, II was like " oh perfect, I will definitely try to do that. My card statement was {$1000.00} for XXXX. Now I am checking the statement and once again it is {$1000.00}. I called and XXXX, answered. XXXX is the CSR rep that works on the weekends as he stated. I explained the situation and that my card is over the limit again, with the interest of {$36.00} monthly I am not going to be able to bring it back current. I am going thru a financial hardship and need to get help. He stated that they only do medical hardships. I need help because I am a XXXX veteran that depends on their check to pay my bills and I have other debts that leave me no additional money. I would also like to state that I have a personal loan with Oportun lending, which I guess is another division completely different because as soon as I explained to them my hardship they were more than helpful in assisting me and even postponing my payments until XX/XX/XXXX.
08/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77449	Web
Oportune used to be known for progresso finaciero I have talked to them multiple times about my hardships at work and that I know of my financial obligations towards the loan. They offer no resolution and try to force huge amounts obvious payments that I cant pay. Ive paid them XXXX and then XXXX twice trying to catch up with my obligation. They call 8 plus times a day harassing me even after I try to resolve my missed payments. They have called my place of work and sent letter plus an actual person to my place of work which is my Employers physical address putting my job at risk of me being fired because my boss is not appreciating these calls or someone arriving at her home. She as well be filing a complaint against them. I dont own any vehicles, a home or house. They are threatening to sue or have filed when Ive tried to discuss with them and resolve issue. They do not care. I would understand if I were honestly ignoring my obligation but I am not. Im trying to work with what I can. Ive had two loans with them before and paid them off. This is a third loan Ive obtained with them and its ridiculous to me that I am a Returning customer and this is what they are doing to me. After I pay this off I will ABSOLUTELY not do any type of business and take my referrals elsewhere who have taken out loans with them as well. This company is a joke and Im thinking of course suing for my hardship with them and my way of income being compromised because of them harassing my employer.
04/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 78217	Web
On XXXX of XXXX I opened a loan account # XXXX at the XXXX location inside the XXXX in XXXX XXXX, TX. Due to financial hardship I had to let that loan go so I stop doing payments. My financial situation improved and I had the chance to purchase my first home. My loan officer advices me to settle that account since it was affecting my credit and I would not qualify with it. On XX/XX/XXXX I called the billing department and I settle my {$6000.00} charged off account into a single payment of {$3500.00}. The rep XXXX XXXX gave the confirmation # XXXX and promised a letter stating the {$0.00} balance within 5-7 business days. Its been 29 days and that account still appears as debt and I have not received the confirmation letter. I called on XX/XX/XXXX asking for an update and the letter. The rep told me that its still processing and that it would take another week. He said he would escalate. On XX/XX/XXXX I called again with rep XXXX XXXX and he recognized that timeframe given was ridiculous. He knew that the company has messed up and he gave me the reason but he explained that the situation was not on his hands. He said he would escalate again to what I mentioned that it was already escalated. So I questioned what the previous rep and supervisor have done. He said supervisor XXXX XXXX would take the case. A month has passed and it has not been removed from my credit and I have not received the confirmation letter. I need the letter to close on my home or I will loose it.
03/18/2020	No	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TX 756XX	Web	Servicemember
After several loans I've payed off, since last loan of {$1000.00}, I was wrongfully evicted, Relocated 5 hours north in rural XXXX tx!!! No way to make payment over phone due to lack off their call center personnel don't understand English!!!! Contact number I have in my cell rings in XXXX!!!!! After several attempts over phone and giving routing and checking info to do a draft? No body can answer my questions!!, Can't speak to English speaking personal to discuss possible options? And when payments that were made. I don't speak XXXX and didn't get this loan in XXXX, was in XXXX Texas!!!! And, I'm a XXXX XXXX veteran who pays his bills, haven't I been through enough? if any investigation into this, my cell phone records will show when my problems started with Oportun, and issues didn't start with these XXXX until XX/XX/2019, when I moved into my new home!!!!! Thank you XXXX!! I've repeatedly tried to pay using my visa debit cards, they don't work with XXXX XXXX XXXX!!! Not my problem! Been with XXXX over 10 years so. Do some Phone forensics you will see I've tried. I question the amount they say I owe! and I am questioning the employees they hire to answer there phones! in a outsourced sweat shop of a building abroad in the XXXX or XXXX, I know I pay my bills!!! I want this matter addressed or resolved, or wiped out!!! I can't get in touch with anyone who works for them in the United States ever!??? International Phone centers answering calls somewhere!!!
11/15/2023	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	OH XXXXX	Web
I received a letter dated XX/XX/ from Opportun Visa Credit Card issued by XXXX in regards to my account ending in XXXX. The letter advised my account was closed due to inactivity. The account was open 148 days. I opened the account XX/XX/3 and it was closed XX/XX/. I am demanding this account be re-opened or will pursue legal action against the creditor. They should as a courtesy send a reminder letter ( as most creditors do ) that the account will close in so many days if the account isn't used. This account wasn't even open 6 or 5 months, and now its going to be affecting me in a negative way on my credit report - will report as account closed by credit grantor ; which makes it look bad on me to other creditors and lenders. I called customer service and they say is that I can re-apply for another account when i get another invite, in which they don't know when that will be. I disagree with this whole mess they caused. I don't care what Section 32 states about closing or suspending an account. This creditor is a subprime lender that preys on customers with low credit scores and bad credit. Since I don't fit that criteria of a low credit score or bad credit, they take advantage of me by closing my account to hurt my credit by closing it with it only being not open not just 5 months. I want something done about this and the account back to the way it was. I am not, will not, and will not accept NO or there is nothing we can do as an answer.
12/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 75087	Web
Back around XX/XX/2021 - XX/XX/2021 Oportun opened an account / Credit card fraudulently. I did not authorize this account to be opened, and I did not receive any credit cards from this company. I advised the company several times now, I did not open this account and I did not authorize this account. I did not authorize any applications. I did not sign any applications, I did not receive a card, and I have not received any monetary transactions from said account 's. Every month Oportun continues to report this card on my credit file. Oportun admitted to opening the account without clearing my extended fraud victim statement on my credit file. I do not own the phone number XXXX. Which they stated was used to open the account. The phone number has been shut down due to identity theft. I have not made payment 's on this account. I have not received a single card for this account, and Oportun can not provide proof I signed any applications for the account. I did not sign anything, and I do not owe a debt that was opened from a thief / identity fraudster. Oportun was provided with an FTC Identity Theft Affidavit they chose to ignore. This account is not authorized, and I do not owe the debt on this account. Oportun has no proof tying me to this account, and Oportun never contacted me about this account. According to my credit file this was opened on XX/XX/2021 by a fraudster. Oportun did not verify the account, and did not send me a card.
09/06/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MI 48209	Web
Delete Late payments from Oportun from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states XXXX ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
04/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	LA 71303	Web	Servicemember
My credit limit was for XXXX $ so I pay them on time every month. Last month in XXXX I noticed that they took 3 payments from me. On the XXXX XXXX and the XXXX. I never authorized the ones on the XXXX and XXXX. So when I called them they sent me a revered payment back for the XXXX of XXXX $ but then they also charged me XXXX $ for a check not clearing i don't right checks. And if I did they already had the 3 payments. I what its can down too is because they had too send my my XXXX $ back that I did not authorize them too so then they charged me XXXX $ for sending me the XXXX back. Then even tho they still had the payment from the XXXX and XXXX they turned me into the credit bureau when I made my payment on time. They have me down for reseving 5 reversal payments but the only one I ever received was the XXXX $ they took. I have paid them XXXX $ so far. In XXXX it show that i owed still XXXX $ and in XXXX my new balance is XXXX XXXX I tore this card up 8 months ago so I ask them how is it I've made all my payment of XXXX $ I haven't used my card in month but my balance now is only XXXX she had a million excuses for everything. Last month wasn't the first time they took more then one payment they hit me a few more times. As u can see in XXXX they got there payment on time but tried 2 more times and still turned me into the credit bureau. Now they show me as in minus XXXX something dollars.
11/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 190XX	Web
I submitted this complaint in XXXX : Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account. The company replied in XXXX and gave me a number to call. However, the number is not active and says its local to XXXX. When I try calling them, they tell me theyre having problems with their system and cant view my account. I tried emailing but they just told me to call customer service. Basically, theres STILL no way for me to talk to an actual person who knows anything and I have little time left to enroll in the Account Liquidation Program they finally submitted to. Also, I repeatedly over the last few months or so ( as long as I have been having issues with them enrolling me in this program and straying payments ) have asked the company to stop reporting my missed payments to the credit bureau and adding interest to my account. However, they are still doing this and its further ruining my credit score. I once again ask that I get a phone call from an actual person who has knowledge of this situation and for them to rectify the reports on my credit.
05/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AZ 85017	Web
On XX/XX/2020 at approximately XXXX I contacted oportun in order to bring my past due loan current. A divorce that slid into larger financial issues with the commencement of a national pandemic emergency caused me to financially lose my footing. The first representative I spoke to informed me that my loan was charged off 4 days prior. For context my last payment was about 90 days prior at the end of XXXX. The concerning part was that this representative refused to tell me information such as the balance at charge off or how much I fell behind. He violated my financial rights by refusing to provide information crucial to the process to pay this debt. He misrepresented material facts about the collections process. At one point he claimed I missed 13 payments which would have meant I havent paid in a year. I asked if oportun could work with me, but he told me that they dont do that. I asked again since I know the XXXX has asked lenders to work with customers in this extraordinary time. I escalated my concern to XXXX a supervisor for oportun at about XXXX. The supervisor was unable to provide any assistance. I think oportun should act in good faith and work with consumers like regulators within the industry have asked and not act in a predatory manner. I just want to bring my loan current, but can not pay off the note. I can make a payment anytime they can work with me.
03/27/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 945XX	Web	Servicemember
I am a XXXX XXXX XXXX XXXX XXXX Veteran, My FICO score has been compromised during the XXXX Security Breach and becoming a victim of credit card fraud and identity theft that has affected my credit negatively. Unfortunately, I used Oportun a payday loan company to pay off credit card debt and establish credit. In XX/XX/2019 I began to receive late payments of the amount of {$60.00} each month although I have this account set up on direct deposit. I have been paying {$100.00} twice a month on the XXXX and XXXX as my Veterans and SSI benefits are deposited. After discovering the problem and contacting Oportun for a resolution, I was informed that the company will not provide another contract to continue direct deposit payments because the second payment set up on the XXXX of the month does not always deposit into my checking account on the XXXX depending on the day of each month that SSI disburse my benefits if there is 31 days in the month we dont receive payment on that Wednesday causing this late fee that I can not afford with a lost of income. As a result, my credit is impacted more severely with the company reporting negative late payments past 60 days, that has drawn my FICO score down to a XXXX from a XXXX credit score. This issue is not only effacing my personal credit my business credit is also destroyed preventing me from obtaining XXXX XXXX XXXX XXXX XXXX
05/07/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	GA 30096	Web	Servicemember
On XX/XX/XXXX, I noticed that {$100.00} was withdrawn from my bank account. A payment in the amount of {$100.00} was already withdrawn on XX/XX/XXXX. The only time a payment is made is when I request another top up loan which I haven't since the XX/XX/XXXX payment. There isn't a phone number for Oportun XXXX, just an email address, so I emailed them. I received a response from XXXX. He advised that I received a {$100.00} top up on XX/XX/XXXXand XX/XX/XXXXbefore the company was able to recoup the first payment, so now they are going into my account to recoup a XXXX payment. I provided a copy of my bank statement showing that Oportun withdrew {$100.00} from my account for the month of XXXX proving that I paid them. I also informed XXXX that there may be a computer glitch on their end because I received a text from Oportun showing incorrect balances and amounts and asking me to top up when I didn't need to. XXXX then reiterated that the withdrawal from XX/XX/XXXXwas correct because of XXXX and emailed me all debits/withdrawals from Oportun. I reviewed the documentation it only showed two amounts for XXXX. Once again I emailed him the bank statement showing 4 payments in XXXX. He advised he would escalate and someone would be in contact with me. It has been 4 days ( 2 business days ) and still no response. I emailed XXXX back, but still haven't heard from him either.
09/17/2022	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	IL 60624	Web	Servicemember
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error. In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. Best Regards,
11/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90047	Web
I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. OPORTUN/XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or OPORTUN/XXXX XXXX XXXXustomer service representative. I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
02/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95123	Web
I took only {$1200.00} short term loan and started paying regularly. Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 4 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. They even refused to change the payment date from XXXX of every month to the XXXX week of the month as my rent is due on XXXX of every month and I just can not pay other bills on that day. I paid over 50 % of the loan amount but got into this debt trap by their false and misleading sales tactics. I am a XXXX XXXX XXXX diabetic patience and self employed. They harassed me many many times and also sued me to the local court. For me buying XXXX for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. They know about my condition and refused to lower interest rates and payment terms. Their debt trap will lead me to slow death as my medication is extremely important to me. Their harassment tactics put XXXX XXXX in my life and and as a result my blood sugar level has increased significantly. Please help
05/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85281	Web
Yesterday this company tried to direct debit my account for absolutely no reason. I reached out to their customer service as to figure out why. In doing my own research I found out I had submitted an application to them in XXXX. But as far as I could tell my application was denied. I've never had any other dealings with this company. Yet again they tried to debit my account for minuscule amount yesterday. It's not about the amount it's the fact that you have access to my information. I reach out to your company and was talked to in a rude and condescending manner. I don't give a XXXX if it was a penny or a nickel my money is my money. Oportun you have NO permission to reach your hand into my account and try to take from me or my family. Your company is absolute trash and stands behind nothing. But that's fine you don't have to be reputable company. That's why they're entities to report questionable businesses too. That will investigate and go ahead and shut scam artists down. I reached out to my bank to have them blocked. As I got some smart-ass response from somebody at their company via email. My next step is to contact the authorities and have a lawyer sue the XXXX out of your company. If you keep trying to take for me something that I don't owe you. They tried to debit {$2.00} XX/XX/XXXX for no reason.
06/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 494XX	Web
Back in XXXX of XXXX I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXXXXXX XXXX, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the Dispute Team and never received a call back. I then received two letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. Attached is my most recent compliance with the company, along with the confirmation of the fax.
05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Getting the loan	CA 91766	Web
I when and apply for a personal loan on XX/XX/XXXX got a proof for {$500.00}. On XX/XX/XXXX I was making {$2000.00} per month and I was refinancing my car making payments of {$360.00} my remaining loan was at {$12000.00} that was the only thing that I hade on my credit. On XX/XX/XXXX I when and apply for a loan the same amount and did not got qualify. I toll them to check the application because the person that I was talking to did not know what he was doing. I stars to explaining them that I am making more money today then before and my credit on XX/XX/XXXX was at XXXX fico and now is at XXXX fico my car loan is at {$7500.00} that means that XXXX less then before. I have a credit car from XXXX XXXX my balance now is at {$50.00} and my credit is for {$500.00} I have never miss payment from credit card there are always on time. Now I am making around {$1700.00} more that is {$3700.00} per month and my bills remand the same. The loan that a took from them I never miss payments and my payments there were always on time plus I received a offer from them because I finish paying my first loan gave them reservation number that came with the offer that was going to expires on XX/XX/XXXX. They did not do nothing to fix the problem and its affecting me I can not ask for another loan for 90 days days
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92102	Web
I borrowed {$9000.00} form Oportun on XX/XX/20. As I used this company Several times and always paid my bills on time.so on XX/XX/20 I walk in the office and pay the remaining balance in full in the amount {$8800.00} and the employee name and time my Receipt number is XXXX the young XXXX Employee # XXXX Stated that she owes me {$7.00} back but would have to be mail to me which was odd However they keep Harassing wont take this off my credit report and now my credit report says Im very Delinquent because of this situation and I want it off and fixed on my credit report I talk to 7 different employees on Multiple occasion have all times and dates Ive walked back into the office to scan my Receipt more than once I got the name of the employees who said I paid this loan off already but Oportun/ progresso. FI. XXXX seems to keep Harassing me and calling me Ive tried everything to fix this problem which is tiring because Ive paid my bill have my Receipt employees looked at my receipt and said the same thing so why is there Corporate office giving me a hard time I just want this off my credit reportI and saying I paid in full Dont no where else to turn. Not to mention they tampered with my paperwork 3 days after I make a payment without my permission or Knowledge so if you can please help me
06/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 75087	Web
Oportun Inc ( XXXX ) Allowed a credit card to be fraudulently opened in my name using a stolen email address from an identity thieve. XXXX, I already reported this to Oportun. I have not used this card to make any purchases, and I did not receive any credit cards from Oportun. The credit card was opened fraudulently using stolen Identification. I have fraud alerts on all 3 credit bureaus and Oportun did not make any efforts to clear the fraud alert before opening the credit card. I have not made any payment 's on this account. I did not receive any credit cards from this company, and I do not owe a balance to this company. This credit card was opened from an identity thieve and I did not authorize anyone to open any account 's in my name. I have already reported this to Oportun and nothing has been done about it. Oportun continues to report this to the credit bureaus with a balance of over {$530.00} owed which I do not owe. I did not receive a card from you, I do not know how to login to your site, and I did not make any purchases with a card I never received. I did not authorize this account to be opened in my name. This application and card are fraudulent, and were fraudulently obtained. This account should be closed. I am attaching my FTC Identity theft affidavit below.
04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 660XX	Web
I received a text from XXXXOportun that my loan was ready ( I didn't apply for a loan ). Shortly after my employer sent an email informing employees there was a data breach had occured in the company and XXXX Oportun was sending employees notice of loans. On XX/XX/22 I called Oportun and made a fraud claim against a loan they created in my name Loan # XXXX. The caller advised me that there was a loan but, no funds had been disbursed. Oportun said they would send the claim to their fraud department. I called again XX/XX/22 and Oportun had no record of my initial call. I requested Oportun badge numbers they had none, Loan number, and the amount on loan. Oportun said they disbursed {$8000.00} to a XXXX prepaid card after telling me on XXXX that no funds had been disbursed. I ask to speak to a Manager or the fraud department and the call takers state that they WILL NOT transfer me to a manager or the fraud department ( because they don't exist ). Oportun issued me a fraud ticket number of XXXX. Update : XX/XX/22 I have called Oportun back multiple times, each call-taker has no record of my fraud ticket based on the REQ number they gave me. Oportun asks for 1 more piece of my personal information with each call. ITS FRAUD and I am not dealing with Oportun 's fraud call center.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10310	Web
Oportun is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Oportun is in clear violation of this law. Oportun is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Oportun has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
06/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY XXXXX	Web
This company has reported information that was not correct they have misused my credit report on all credit bureaus they have ruined my credit, per the law you have to send a validation of debt, also a fraudulent affidavit and I have yet to receive that information and this company has violated all laws and regulations, In accordance with the fair credit Reporting act OPORTUN/ XXXXK # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open end consumer credit plan as late for purpose. This company had broken all the laws they have reported information on my credit bureaus 2 times this month and its totally unacceptable and my Attorney has told me all my rights have been broken I have been deceived by this company has called my phone numerous a times Also this company is reporting on my Credit Bureaus that this is Auto Financing how is that possible one minute they say its a credit card now they are saying its a Auto this cant be right, they are reporting fraudulent information
05/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 75087	Web
Oportun allowed fraudulent charges on my credit card, I haven't made any purchases on the card as of today. XX/XX/2022. Yet Oportun show 's the balance is {$500.00}, I did call XXXX XXXX and advised them that I never made charges on this account as of yet, that there are fraudulent charges from a XXXX XXXX, fraudulent charges from a XXXX, fraudulent charges from a XXXX 's and XXXX XXXX. I have not made any of these charges. These charges date back month 's ago, I already called in and reported that. Oportun never assisted me with these charges. Instead on XX/XX/2022 The date the payment was due Oportun proceeded to charge me with a LATE PAYMENT ON THE DATE IT WAS DUE. In the amount of {$25.00}, and they harass me daily. Again, I haven't made any charges on the card as of yet, so there shouldn't be any balance. I want these fraudulent charges disputed and investigated. These are unauthorized charges. These date back month 's, and Oportun continually doesn't assist with the issue. Instead assumes I should pay for the fraudulent transactions. I have made several attempts to contact their customer support to advise of this including the number that I was directed to call for the Fraud Department and the lady never could understand me.
09/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 90037	Web
Oportun Inc. is a very scrupulous lender that charges high rates without proper disclosures and pulled my credit without my authorization. They also have made multiple threatening calls from collections and even came to my job and home to try to collect a payment from me in person. They make multiple calls to my job sometimes XXXX10 times a day, eventhough I have told them that I can not take calls at work, and they are going to get me fired. I try calling their call centers, but they are located in XXXX and I do not feel comfortable giving my social and other personal information to XXXX call center agents. The call center will not transfer my call to the store where I did my loan. I Finally went to the store and asked for a Manager and the person said they do not have Managers at the stores. This company sounds like they are fraudulent, I regret taking out this loan. Most of the people I have dealt with do n't even speak XXXX, how can you do financial business in XXXX and not speak proper XXXX to communicate with customers that are not XXXX Speaking? This should be illegal, these people can not even explain all of the fees on my loan and the rate is almost 40 %. I do n't have my papers so I would like to remain anonymous.
06/19/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32224	Web
On XX/XX/XXXX came across this agency in a strip mall and on the window printed it stated can receive Fast affordable personal loans any types of credit and to build a better credit future, credit scores from XXXX or no credit scores. I decided to submit application online due to office was closed until XX/XX/XXXX at XXXX. Online offer prequalify for loan and submitted application, it came back that I prequalified for the loan, asked for my personal income and other information and after submitted it stated qualified for up to {$12000.00} in bi weekly or monthly payment. I looked at fine print stated that secured vehicle loan and after review closed website, received two phone calls from foreign accents contact me and stated was approved for loan and advised needed to transfer to another department for vehicle information, asked csr rep why was this approved and now asking for a vehicle for colleteral and it states no credit score or XXXX scores with guaranteed approval. then asked what is the percentage of black/african american applicants approved for this loan and that this false advertisement is only marketed to a certain race group within the community. The csr then advised she would cancel my application and hung up.
02/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	PA 19140	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Oportun On XXXX applied for The Oportun Card As you may be aware, it is against federal law in accordance with XXXX XXXX XXXX XXXX to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( C ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
04/13/2023	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 47303	Web
On XX/XX/2023 I received an invitation to check my rate for a loan and was told it would not affect my credit score. They told me in order to do the soft inquiry I would need to unlock my credit report. I unlocked my report like I was asked to do and received a call from them verifying my identity because I have a fraud alert on my file. They told me that they were not able to provide the quote and that I would get a letter in the mail. Upon examining my credit report today I noticed that I have a hard inquiry from them. I was mislead by the organization who insured me there would be no hard inquiry and my score would not be affected. I am writing to request the removal of unauthorized credit inquiry on my XXXX and XXXX credit reports. My latest credit report shows 1 credit inquiry that I did not authorize. I am writing to dispute the following inquiry and ask for their removal from my credit report. Item 1. XX/XX/2023 Inquiry OPORTUN/PROGRESO FINANCI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 770XX	Web
In XX/XX/2022 I had XXXX and was so ill. I could not work for weeks and was on XXXX. I contacted Oportun XXXX XXXX I called and spoke to someone and they stated I could be on a deferment since I was on XXXX I have paperwork to prove that I was ill. I never received the paperwork I could not get out of bed I was so very ill. I called as soon as I was able and they stated they emailed me but I never received the email. I called again and they stated that they would mail me the paperwork. I never received anything. By the time I called and spoke to a supervisor and was told I had to pay a fee and that I would be reinstated. I made a payment that day to bring current but little did I know I was already reported twice to the credit bureau and my credit score was lowered quite a bit I have contacted OPORTUN XXXX BUT they are no help at all. They have the worst customer service they never help me to help get this resolved or will get a supervisor to help. I communicated as soon as I could because of my illness. THEY ASSURED me that it has been on deferred payment status but that was not true. I now have 2 payments reported 1 30day and 1 60day late reported I would appreciate help in this matter. Thank You
06/28/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 93550	Web
The company Progreso also known as Oportun has been very unprofessional and negative about the resolution of my loan. Every time I call for information about pay off amounts, it 's a different story and bad costumer service as well having to describe to a several agents your situation. I have also been sued by this company for less than {$3000.00} dollars and keep adding costs to my pay off balance. This company is so bad that they continue the law suit even after I paid the fees they demanded I paid the latest {$2000.00} on X/XX/2017 after trying to pay off the entire amount since X/XX/2017 and a couple of times before that in XX/XX/XXXX, but every time I called a different agent had a different amount to pay. Overall it 's been a nightmare dealing with this company, I do n't recommend it to anybody. They have denied to deal with my Financial Mediator to step in in my favor. Above all, what upset me the most, was oportun, sending one of they 're employees to my house, Aggressively knocking my door, and handing me court papers, instead of mailing these forms, Oportun took Extreme Measures by sending someone to my house. This is a very corrupt Company, I will never deal with these individuals again.
07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32808	Web
Oportun is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XXXX, XX/XX/2022, XXXX as well as XXXX for my payment history update to on time payment paid as agreed )
01/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ XXXXX	Web	Servicemember
I was recently trying to settle charged off account with a company called Oportune. During XXXX, covid hit my family and myself and I was devastated financially. I was out of work and unable to pay back my account and as a result was charged off in XXXX of XXXX as bad debt and written off due to natural disaster. The original amount was {$2100.00}, but they balooned it up to {$2900.00} in 5 months. My family still sits in peril after the results of losing lives and jobs due to XXXX, but I want to move on. Oportune agreed to settle and already charged off account in the amount of {$1000.00}. which the asked me to agree to by XX/XX/XXXX. I sent them an email and text agreeing to the settlement before the deadline and when i called to pay they denied any agreement and told me only the full amount would be accepted. I just wish to pay the amount the offered immediately and have this account settled as they themselves proposed, not me. All I want them to do is honor the settlement offer they proposed and get this over with. My family has been devastated enough and this would be a start in the right direction. Attached are copies of the email and my response to the email they deny getting.
10/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92649	Web
Received text message regarding suspicious online activity ( 2 charges ) in the amount of {$350.00} on XX/XX/22 on my Oportun Visa credit card ( card ending in XXXX ). Reported charges to fraud dept twice ( on XX/XX/22 & XX/XX/22 ). Was told that card would immediately be canceled, issued a new card, and fraudulent charges would be removed from my account by the time the new card arrived within 7-10 business days. The new card was received on XX/XX/22 ( new card ending in XXXX ). I was also told that if new card arrived and fraudulent charges were not removed yet, to call customer service back. On XX/XX/22 called customer service numerous times and was put through an endless loop of foreign speaking representatives all claiming that they were incapable of resolving my issue and they needed to transfer me to another dept.and so forth and so on. This occurred for a total of 56 minutes of being told the same scripted dialogue over and over again without resolution. Mind you, I had a XXXX {$0.00} balance prior to this fraudulent activity on XX/XX/22. The last time I personally used the card was on XX/XX/22 in which I charged {$190.00} AND paid the balance off IN FULL on XX/XX/22.
05/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OK 746XX	Web	Older American
On XX/XX/XXXX Oportun called me 3 times to ask me to refinance my loan as a preferred/special customer. I agreed, but informed them I would have to unfreeze my 3 credit bureau accounts. On XX/XX/XXXX I spoke to an XXXX who was walking thru the procedures to do the refinance, when she tired to put me on hold, we were disconnected. I called back and spoke to an XXXX, he tried to be very helpful. We went step by step to make sure we had all the information that was needed. I expressed deep concern as Oportun failed to have my correct phone number, and incorrectly stated they could not verify I am me and my income. XXXX assured me all was correct. We spoke twice. Then XX/XX/XXXX at XXXX XXXX XXXX a person called from the escalation complaint department apologizing fro previous issues and said all my paperwork was/is in order. Someone would call with the final numbers. Nobody ever called. I called on XX/XX/XXXX, spoke to an XXXX who could answer nothing and hung up on me. Then I spoke to another person who said his name so fast I did not catch it. He just read a computer screen and answered nothing. Bottom line, we are now at XX/XX/XXXX and nobody has called, no paperwork has been sent.
02/17/2023	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 91402	Web
XXXX XXXX ; drops my credit all the time, but he always offers me loans and credit cards ; XXXX recommended paying the loans and opening a XXXX balance complaint ; but they destroy my credit it's lower than ever, and I've never been late on payments or filed for bankruptcy, they said my credit is low because I have personal loans, there were only XXXX, and XXXX credit card, a very small amount, I paid those loans with effort more than 30 days ago ; Now they say that my credit has gone down more because I closed the accounts, I did not close the accounts, I reported XXXX balances, they told me to do it, that's how I do it, I request to update ; my credit I have XXXX open credit card and XXXX store credit card because I don't need more for now ; all the payments I made was because I am refinancing my house and I needed some more urgent points, but it did not help me, it hurt me ; that was the only reason I paid the personal loans in advance and when they are paid they close automatically. They reported inquiries from companies all the time I never request any from them. I need you to help me to be fair with my record ; I do not owe much, on my house and my vehicle loan.
03/24/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91737	Web
I have a personal loan debt. I have multiple instances with this company. The leftover loan amount was about five thousand. 1 ) They are seeking unjustified amounts and keep adding fines, interest, and penalties that are now up to XXXX XXXX dollars on a closed and charged off account. 2 ) They also threaten a lawsuit using a law office as a collections company. Furthermore, they have filed multiple suits without following thru. I have shown up to each court case and they have yet to have representation from their side show up. Now in my background report, I show multiple suits pending. 3 ) They communicate with third parties other than my self. One of my past co-workers has been contacted by them on two different occasions. 4 ) The company reports false information on all three consumer credit reporting agencies. The false information is the exuberant amounts that just keep climbing, They have added hart hits by supplying my information to other collections agencies and loan companies. They have also added wrong addresses and different variations of my legal name to my consumer credit reports that I am unable to get removed as they were reported by them,
02/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 13090	Web
I have been trying to pay my Oportun credit card bill for months. I was in rehab and my sister tried to pay it online for me so that I would not incur any late fees or charges. The website would not allow her to make a payment when she clicked on the pay now link, it did nothing. I was also unable to get statements online. She called on my behalf trying to pay as well many times and they would not allow her to make a payment on my account even though she provided all of my information. I was unable to give permission as I had limited phone access. I recently got out of rehab and tried to call and pay and because i didnt have my phyical card and XXXX digit account number they would not allow me to make a payment even though i was able to provide all my other information. I then requested a new card as they suggested. The following day i received a letter in the mail stating my debt had been sold to a collections company. I have tried to pay many many times. They did not seem to want my money. Also, it seems that the call center is outsourced as all of the people i spoke to were foreign and i could not understand their heavy accents.
02/23/2021	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 Problem with personal statement of dispute	GA 30033	Web
XX/XX/2021 - My credit report shows on a Hard Inquiry from, Oportun/XXXX XXXX - I called to report that I began an application and did not complete nor submit the application and to please remove the Hard Inquiry. I was told they understood that I did not submit the application and was led to believe the inquiry would only take place if I had submitted the application. Tix Nbr XXXX was issued. XX/XX/2021 - I spoke with XXXX XXXX in the Application Department. He shared that at the beginning of the application there is a message to approve the inquiry as part of the application. - I explained that it is implied that the approval for the credit inquiry would be part of the submitted approval and no where does it state that the credit inquiry would be immediate and without submitting the actual application. - XXXX XXXX was not able to assist any further and I shared that I would reach out to the Consumer Financial Protection Bureau do to the misleading agreement in the beginning of the application. - I am asking that this hard inquiry be removed from my credit report and that the application wording be reviewed for being misleading.
06/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 90650	Web
This debt collector, XXXX previously calls Progresso Fiananciero, calls 5 or more times a day from different numbers. When I have answered and explained my situation they always force me to make a promise payment, and when obviously it is n't kept they note it as a broken promise and pretty much throw it in your face and against you. I 've expressed my apology to failure keeping my loan on track when i understand i commited myself to it, yet they will tell me. " Well you compromised to the loan and your are not complying '' Recently they contacted multiple times my references who i was told were only for reference purposes. They are fustrated with me already. I am facing a nerve breaking point full of stress and i cant do it anymore. Help im tired of their harrassment asking every time why haveny i paid. I explained my grandmother passed away, my mother due to that faced health complications. During this time i faced a cut of hours at my job. To top things we had to leave our home because it did n't comply with city safety regulation. I turned homeless for a short period and they dont seem to understand that.
10/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA XXXXX	Web
In XXXX I opened a loan under loan ID : XXXX I made all my payments on time and about a month ago I got a message that I qualified for a new loan. I went online to apply and I was declined, then I received a letter stating I was declined because I had a current loan. If this is the case, I should not have been told I qualified yet to re-apply. On XXXX the XX/XX/XXXX I called to pay of my current loan early, at that time I was told if I pay it off over the phone and want a new loan, I will have to wait 7 days. I was okay with that. However, now I am being told I have to wait 90 days because I applied and declined, but that was because I was told I qualified right then. If I had known, I had to wait 90 days I would have just let the payments continue instead of paying it off early. I feel this is mis-information that now cost me a chance to get a new loan. I like the rates and company so I really wanted to get and can use another loan to help with bills. I just do n't understand why they told me I qualified when I did not and now because of that, I am being told to wait 90 days after I was told 7 on the phone
02/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60637	Web
I was recently offered a pre-approved offer for a loanadditional lot I was granted 3,000.but once I applied they said I was only allowed to get up to $ 1,000.once I did I was constantly called and harassed on the phone to complete my application, but I ask them what was required of me to be able to received a loan before I even finish applying, I called back they said all they needed was my banking statements for proof of payments, I sent my business formation information and my ID, he said all the other information was in good standing which I provided 2 recent months and I know those 2 statements could even cover the {$1000.00} standard of what was made out to me.I wasnt offered any type of payment plan, just instant denial and a hard inquiry after I submitted the additional information to the rep on the phone.which is insane after I read my monthly payments could be as low as {$50.00} so Im trying figure out why wasnt I offered anything after all that, and they claim a letter will tell me but I believe that to be a lie, this was a targeted offer to me so they knew enough information about about me.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91764	Web	Older American
I got a credit card with Opportun BankCard Center in XXXX. I had difficulty with making payments therefore I consolidated my debts with XXXX XXXX XXXX XXXX XXXX. Opportun reported I was 30 days late each month I was working with XXXX XXXX XXXX XXXX although they accepted the minimum payment from them. I got a recent invoice from XXXX on XX/XX/XXXX AFTER I have paid them in full {$460.00}. This clears my debt. This company reported me 180 days late this past XXXX XXXXXX/XX/XXXX and I paid them XX/XX/XXXX. I see the payment due date is the XXXX of each month although the billing cycle starts the second of the month. Either way they trashed my credit I believe for XXXX reasons since I am XXXX XXXX and I feel even though I have paid off the credit card they still seek to destroy my credit by not reporting the card as paid off but as still late. DO NOT accept a credit card from these people because they will take your money and still report you as late. This is wrong and although I spoke with a XXXX on XX/XX/XXXX about this matter she was quite dismissive of their mishandling my account.
07/13/2022	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	IL 60608	Web
I have credit monitoring applications on my phone and noticed that my XXXX score suddenly dropped. I looked into why it had dropped as nothing should have caused that change and the other credit agency did not have a change. I noticed that XXXX suddenly started to report a closed account with negative history. They started to report Oportun XXXX account number XXXX installment loan under my closed accounts. This account does not belong to me, it was never on my credit report until XXXX. I contacted Oportun, they do not have a record in their system with my name and social security. I started the dispute with XXXX and have called them but they just inform me it is under reinvestigation. Again, this was ever on my credit report until last month and according to the XXXX it has been open since XXXX In the past the credit agencies have mixed my name with a similar name which is noted on my credit report. I have been dealing with this for a few weeks and need to resolve as I am in the process of purchasing a home and this incident has dropped my credit score by XXXX points in just a month.
04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90241	Web
Oportun put me on a hardship program due to the pandemic and they have reported me 30 days later and have completely ruined my credit. I have been in constant communication with them throughout the months and have not stopped paying the minimum they have asked of me. I am currently going through the process of getting my XXXX claim reprocessed due to fraud and have not received a dime since XX/XX/2020. The state knows this is happening to my XXXX file so they have been giving me XXXX XXXXs meanwhile they sort everything out. I find it extremely unfair that Oportun would do this to me now that Im struggling. I have spoken to customer service consistently and I know the calls are recorded for the record. My credit score decreased XXXX points and now I will be unable to get a car and the apartment I was looking forward to once I go back to work. I wish i didnt have the underlying conditions I suffer from or else I wouldve never stopped working. I have XXXX and get mild XXXX and mild XXXX when I get sick. First it was my income now its my credit it feels like I cant catch a break.
05/19/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94565	Web	Servicemember
As of around XX/XX/2020 l have been trying to contact Opportun and XXXX XXXX has been declining my calls. Opportun has been threatening me to sue me and collect from my XXXX Retirement Pension income in which this is a violation of my XXXX XXXX XXXX XXXX XXXX under Department of Justice. I have respectfully requested a Amicably resolution and remedy of making timely payments to Opportun each month on the second for {$50.00} until debt of around {$4600.00} is paid. Opportun refuses to accept my payments and Opportun Managements rather report derogatory remarks on my credit report with XXXX, XXXX and XXXX and have a collection company harrass me all the time by phone calls. I have a Permanent Financial Hardship and my family is going through a difficult financial hardship through loss of employment and the Coronavirus Pandemic issues. This is a Discrimination and Retaliation against me as a US XXXX XXXX Military Veteran. Either with Respect Opportun Administration accepts the {$50.00} @ month payment or discharged the debt of around {$4600.00} with high interest of 200 %.
09/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 37066	Web	Older American
I called today to find out what the interest rate was because I have made extra payments on this account and most of my money keeps going to interest instead of additional principal payments like I expected them to.They told me it was 12.5 % but while I was looking online I saw it was 14.99 %. He also explained that the interest was compounded daily which I did not expect either. I told him that I never received a copy of my loan documents and he stated he would send them out again via email but it would take 1-3 business days. I should have received these documents at the start of the loan, but did not. I have paid over a XXXX dollars to the loan and my original balance was {$8400.00} and now they are saying it is {$7900.00} which means I have paid over {$600.00} in interest and I have only had the loan since April. that is a {$100.00} a month almost in interest. This seems to be predatory lending to me. Can you help me make a settlement with them so I can go ahead and pay it off at a lower rate, or change to simple interest? I need some help. Thank You, XXXX XXXX
08/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77015	Web
Under the Fair Credit Reporting Act. I reached out to the company informing them that the Texas Statute of Limitations had expired on the alledged Debt they claim I OWE and stated that I wanted the Debt removed from my Credit report due to being beyond the Statute of Limitations and the rights provided to me by the FCRA I have records that show after I sent the letter about the statute of Limitations they have Violated my rights multiple times by changing the Balance to make it seem like a current debt when infact the report shows it was closed in XXXX XXXX almost 5 years ago. In the most recent letter dated XX/XX/XXXX Claiming they Determained my account was reporting accurately. There is NO accuracy to any account when it has expired the State 's Statute of Limitations anyway I have copies of such I can upload as proof. Each item will show that Oportun is trying to miniulate the Debt to restart the Date or attempt to make it appear to be current by making changes to it as it shows on my report this is obvious straight Violation of my consumer rights.
08/20/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	UT 84041	Web
I signed up for an app called Oportun- formerly XXXX, in early XXXX. It is a highly rated and formerly reputable app. But they were bought ( thus they are now Oportun ) and apparently aren't doing what they should. It is a budgeting app, giving you a bank account and debit account and then you can pay your bills and auto-budget. However, they took my money, then told me they were closing my account with no recourse. This was after I put {$2000.00} in it and they sent me a debit card ( from 'XXXX ' but provided through XXXX ). Since they told me, I emailed them asking them to return the money. They told me the only way was to dispute it. My bank will not dispute it, because I initiated the transfer. As such, they are not returning my money. They have no phone number, take a week to reply to emails, and only say to dispute the transaction. Their partner companies ( a loan company ) answers the phone but will not transfer the phone call or move the phone call up to their owner. Everything about this feels like they have no intent to return my money.
07/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NV 89119	Web
'oportun ' is mailing pre-approval letters to nevada residents. the residents are not in fact pre-approved. 'oportun ' is stating verbally, that a loan decision will be made in 15 minutes. this is false. when 15 minutes passes, 'oportun ' states that a decision is made within 24 hours. this is false. when 24 hours pass, 'oportun ' states that a decision will be made in a few days. this is false, when a few days passes, a decision is made in 2 weeks. oportun sent me a false denial letter in the mail after 2 weeks. the letter stated that the loan was denied, because they were unable to verify my identity. however, this is false. I verified my identity, including scanning and sending verification of identity documents on Day 1. I then personally reached out on a daily basis, each time verifying my identity with random agents by phone. I uploaded all requested documents. The denial reason was false. 'Oportun ' is using a false denial, for their applicants, while doing hard credit pulls, with no intention of doing an accurate underwriting process.
06/04/2023	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	NJ 08619	Web
I reached out to XXXX requesting that these inquires be investigated and prove to be an inquiry I authorized with written consent. I have not initiated any transaction with Oportun on XX/XX/2022 or XXXX XXXX on XX/XX/2022 Further, No accounts has been opened on these dates with these creditors. Therefore I do not have a account as defined under 15 U.S.C. 1693a ( 2 ) with these two Creditors for review or collection. According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I never gave written consent to have my consumer report obtained by either of these 2 creditors which means these inquires are unauthorized, neiter did I give XXXX permission to but these inquires on my consumer report.
04/03/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 95616	Web
I got a loan with the company name Oportun. In XX/XX/XXXX. I made my payment I was able to gather the money in XX/XX/XXXX to pay the rest of the loan. I called made the last payment received a confirmation via email which I have proof. I also received a letter from them dated XX/XX/XXXX that my account was successfully paid in full. Now, as of today XXXX, XXXX, XXXX I received a call from Oportun stating I owe the company an extra XXXX dollars in interest because lack of pay. That my payment was bounce back and earn interest and now I owe them more money. Based on my confirmation letters and email I was sure I did not owe any more money. I try negotiating that I will definitely pay the amount owe at the time we agreed but I will not pay the interest due to their mistake. They want to force me to pay interest on the loan I was given confirmation that it was paid off. I need help on be clear on my rights and laws. This company has several complaints against them for this type of issues. Where they try to come back and charge more money.
06/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94601	Web
For the last two years, I have been making installment payments on time. On XX/XX/2021, I tried to make a payment over the phone using my debit card, but the phone operator told me that their system to make debit payments wasn't working so we had to try again the next day. The next day, XX/XX/2021, I tried to make a payment again, however, their system was still not working according to the phone operator. On XX/XX/2021, I drove to one of their offices located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I tried to make a payment with my debit card and they refused to make the payment because their system was not working. Even though I tried to make the payment on 3 different occasions Oportun is imposing a late payment fee of {$15.00} dollars. A new late payment fee was imposed after the next due date came. I have tried to talk to them multiple times, explaining that it was their fault that the system was not taking debit cards at the moment. They refuse to remove the late payment charges and threaten that they will keep charging me.
09/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92009	Web
Received solicitation for a loan as " PreQualified Offer ''. Went to website to inquire and see what was involved as I know the difference between " prequalified and preapproved ''. The online process had 4 steps. Steps 1 through 3 made the claim " this will not impact your credit report ''. At the end of step 3 a message appeared naming my application " pre-approved ''. The 4th step included a notice that this step MAY impact your credit report. I would not have proceeded except for the " pre-approved '' status from earlier step. My information and documents provided matched my application but I was denied after being pre-approved. Company claims this is standard practice but in my experience Pre-Qualified really just means pulled from some list of criteria whereas preapproved means if your information as shared is true, you are approved. So, despite my best efforts to be cautious I have a credit ding owing to their practice which may or may not be legal but if you go through their online process you will see it is deceptive
09/23/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90028	Web
Hello There, I tried reaching out to Oportun regarding the status of my account. I called them multiple times about my account and payments. With the loss of my job, Oportun placed me into a hardship program. I was able to continue to make payments on the account. However, they have my email, number, and address to stay in communication with me. During the time Oportun did not reach out to me regarding my account they continued to let the days accumulate. Oportun has me in the system to call or text. I told them I would like communication due to financial hardship and losses in my family. They failed to communicate with me regarding my account. I called in to discuss my account the representative stated they charged off the account and your account has been sold. I dont understand why they would do this to me when I requested communication. Oportun continued to take payments but didnt follow up on my account. The balance on my credit report is incorrect and Im requested that the charge off be removed.
11/22/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	CO 80204	Web
I saw on my credit report that there was a huge drop in credit score, and investigated to find that some scammer opened 2 lines of credit and one line of personal loan under my name, using my social security and birth date.I contacted oportun the company that the persona loan was open under, and they were not helpful at all, I told them that I did not authorize the loan, and never opened the loan, and they said they will get back to me, have not heard from them in 2 weeks, I keep contacting them, telling them I am not willing to pay for someone elses loans, but they dont seem to know what they're doing and keep saying just wait, you will hear from us. I need this loan closed and they need to find the person thats responsible for this. I believe it is the same person as the person that opened th two lines of credit, whom I have some information on. I was able to figure out his address, email, and phone, but no name from investigating through the othe two lines of credit he opened with my information.
01/23/2022	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	VA 231XX	Web
THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY EXPERIAN REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX REFUSES TO REMOVE THEM. XXXX DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH. XXXX/OPORTUN All Banks - non specific Inquiry date: XXXX XXXX XXXX Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date: XXXX XXXX XXXX Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date: XXXX XXXX XXXX Removal date: XXXX XXXX XXXX XXXX XXXXXXXX - non specific Inquiry date: XXXX XXXX XXXX Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date: XXXX XXXX XXXX Removal date: XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date: XXXX XXXX XXXX Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date: XXXX XXXX XXXX Removal date: XXXX XXXX XXXX XXXX XXXX - non specific Inquiry dateXXXX XXXX XXXX XXXX Removal date: XXXX XXXX
01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	CA 913XX	Web
I am on the Federal do not call list. However the Compamy Oportun calls me several times a day for the last several weeks, despite requests to not call. I just hang up on them now. I have lived at my residence for more than 15 years. Now they have resorted to mailing Loan offers to people who do not live at my residence nor do I know them. The following two invitations using my address were mailed on the same day. Invitation # XXXX adddressed to a XXXX XXXX Invitation # XXXX addressed to a XXXX XXXX XXXX This is encouraging identity theft creating profiles for people who do not live at this address. When I called to complain they said they received this information from credit Bureaus. That I am pretty sure may be a lie, this information was given to me by XXXX XXXX who represented he was the Supervisor. I called back and spoke to XXXX XXXX and filed a report again the Report # he gave me is XXXX The interest rates offered on these loans is an APR of 44 %, and 49 %.
01/09/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web	Servicemember
On XXXX XXXX I reviewed my credit report XXXX, XXXX and XXXX and I notice Derogatory Remarks of Collection and Charge off collections of {$4300.00}, {$4700.00}, {$5000.00}, and reduction of Charge Off/Collection debt of {$150.00}. This debt shouldn't be reporting on my credit report or Consumer Report.I don't owed no debts. I am XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. This is a Violation of my ADA Disability Civil Rights Act under Department of Justice. This Collection and Charge off shouldn't be sent to no other Private collections companies. Many Federal complaints was filed against Oportun from 2019 till XXXX for Retaliation and Discrimination because my National Origin XXXX XXXX XXXX and my XXXX XXXX status. Federal filed complaints with CFPB and ADA Department of Justice. # XXXX XXXX XXXX and XXXX XXXX # XX/XX/XXXX.and XXXX for XXXX XXXX. Oportun was filing with their company Law Firm to sue me in collecting the {$5000.00}.
07/18/2016	Yes	Payday loan	Can't stop charges to bank account	CA 93036	Web
Progreso Financiero is Poising my Credit Score every month, I told them 2 years ago I 'm not able to Pay, I was in a Car Accident and was not able to pay, I still owe money to some Medical Facilities and Keep paying as today, but they decide to Poison my Credit and want me to pay more than I can afford and I ca n't, since then every Month they send to the Credit Company 's like XXXX that my Account is Delinquent Account and is Collection/Chargeoff, I been paying other credits cards and other bills on time but my credit is still in XXXX because of them. I Send an email to the Credit Companies like XXXX and XXXX and they Still allow them to do it, I feel Hopeless and do n't know what to do, When the financial market broke in 2007 I also lose my Job was not able to pay, I file for bankruptcy and my credit was getting better after that. but I was in an accident years latter and now this Company has been tide my Credit for the last year just because they want to.
12/13/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 92530	Web
I took out a payday loan with Oportun in XXXX XXXX, CA off XXXX XXXX. The friends and family used as references are being harassed despite their attempts to demand that representatives stop calling them. When representatives call they are divulging that I am late on my loan payment and want them to provide information on my whereabouts, along with passing along their message. Despite telling them to stop on a recorded line, walking into the office to speaking directly with a teller and sending a C & D in writing they wilfully persist. It is impossible to get them to stop constant harassing calls to me and my family/friends. They have humiliated me beyond human imagination. They call from different telephone numbers and have even contacted my employers to further damage my character. This was the worse loan processor I 've ever dealt with and it seems that a {$500.00} is never going to be repaid with the interest that has been tacked on.
07/26/2023	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	GA 30534	Web
Oportun acquired XXXX and I have an account with XXXX and have for several years. In the past you could manage the funds in the XXXX account via text commends. But since Oportun has acquired that functionality has ended. My contact info on the account has recently changed ( email and mailing address ), but Oportun has provided no means to change account info. on the XXXX accounts. I have called Oportun several times to change my information over the phone, but Oportun has NO servicing center for the XXXX accounts. I have spoken to several CSR 's and they claim someone will call me back, but they never do. I have over $ XXXX in this account that I effectively can not access. The account continues to pull money from my checking account because it is a passive savings account, but I can not turn that off either because the functionality is not built at Oportun. They are essentially holding my money hostage and will not help me access it.
01/03/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A oportun loan account ( XXXX on XX/XX/2021 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
02/28/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	FL 33142	Web
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 92335	Web
An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from Oportun on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!
07/18/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 75034	Web	Servicemember
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT My separated wife took out a personal loan using my social, I never signed for nor spoke with any agent for this loan, never applied for this loan and never authorized this loan. Now they have blocked both myself and according to her, she is blocked as well. I need the loan disclosures to prove that this is in fact true and they have blocked anyone that can have access to this ; effectively stopping me from my ability to access my own information. Talk about lack of accountability and out right cover up!
12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
On XX/XX/XXXX I sent a letter to Oportun Financial Corporation letting them know that I reserve my rights to opt out per 15 u.s.c 6802 and yet they are still reporting to all 3 major credit bureaus effecting my credit score adversely and continuing to violate my rights by reporting inaccurate information and, harassing me by phone which is a violation of 15 u.s.c 1692 ( d ). They are also impeding my right to fair credit by violating 15 u.s.c 1681 ( a ), 15 u.s.c 1681 ( 2 ) ( A ) ( 1 ), 15 u.s.c 1681 ( b ), which are apart of The Fair Credit Reporting Act, which states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party which then is in violation of The Privacy Act of 1974, 16 CFR 313.1-313.3 and 39 u.s.c 3001 ( d ) ( 1 ) ( 2 ) ( a ) ( b ). I would like this matter resolved in a timely manner and in way that is fair to me the consumer.
06/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	LA 704XX	Web
I just opened a brand new account with this company. And, they seemedvery sketchy None of my information was pulling up online. Everything was redirected an when I finally called them and asked them Or told them that it's been 20 days and that I can't pull up any information. The guy told me. 1st of all he said told me what Web browser I had to use. Then he told me I had to delete everything on my phone in order to use their website. And when I told him that I was a developer and that I just couldn't do that, I couldn't closeout existing projects. He said, well, I suggest if you want to. Use our website. Buy a new phone. This is my first experience speaking to them and I was shocked by it. I said well, how about I just get a new credit card? He said fine. Then he just hung up. So if that's not the worst customer service. Probably in the history of The human race. I don't know what is.
09/17/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	NY 11210	Web
I had a savings account with Oportun online bank for XXXX years. On XXXX XX/XX/XXXX at XXXX, I closed my account and received an email from the stating my remaining balance of {$370.00} should arrive in bank account by XX/XX/XXXX. On the evening of XX/XX/XXXX, i sent an email stating I have not received my money and asked why haven't I received my money and when can I expect it. The customer service agent responded that the bank has til XXXX XXXX " on the last business day ''. The other information presented was to check the help section of the website for what happens when you close your account. I've never had a problem receiving withdrawals from Oportun into my XXXX account previously and I'm trying to find out what the issue is not but they refuse to look into the matter. I even contacted XXXX and they stated they haven't received any other deposits from Oportun.
05/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 19426	Web
Someone opened an account in my name with oportun/XXXX that I did not authorize. On XX/XX/XXXX I called them and spoke with XXXX and XXXX who started the fraud report and advised me that the funds had been frozen and that I would receive an Identity theft kit in the mail in 10 days. I got the packet, filled it out, sent it back and waited but got no response. On XX/XX/XXXX I called and spoke with XXXX XXXX who advised me that I didnt send a copy of my ID. I faxed a copy on XX/XX/XXXX and it showed as successfully received. XXXX confirmed my affidavit was received. Still got no follow up from a fraud department. On XX/XX/XXXX I called and spoke with XXXX and XXXX who told me that the fraud department is still working on it and they will reach out to me. There are now derogatory marks on my credit report because they are showing the account as late by 30 days.
04/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92316	Web
Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.
07/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	SC 29212	Web
On XXXX XXXX there was a fraudulent charge on my account in the amount of {$180.00} from XXXX XXXX. I noticed the charge on my billing statement when I checked the account on XXXX XXXX and placed a call to the issuer immediately. I can assure you, I have NOT authorized this charge. The issuer is Oportun and the account that the fraudulent charge occurred on ends in XXXX According to customer service representatives, the card has been cancelled. However, it is currently XXXX XXXX and this charge still has not been removed from the statement. Oportun refuses to supply any written form of documentation that I have notified them of fraudulent activity ; even though I have placed numerous calls to them and requested confirmation in writing. The only action they have taken is to issue me 2 new cards, which I refuse to activate until Im reassured I can trust them.
11/23/2021	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	GA 30349	Web	Servicemember
On Monday XXXX XXXX, 2021, I attempted to see if I prequalified for the OPORTUN XXXX Credit Card. On the website, www.oportun.com it states explicitly that checking for prequalification will not require a hard inquiry which would impact your credit score. It explicitly states that only a Soft Pull would be performed! However, after supplying my personal information which was required to confirm my identity, I received a text to my phone with a link to confirm my identity and upload documents. Then I was led to page that said my application and documents were under review. I never submitted any documents nor was I ever told if I was prequalified or not! Yet I was then notified by XXXX that a hard inquiry had been made on my credit file! I did not authorize any hard inquiry. Oportun XXXX Credit Card is engaging in predatory lending practices!
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33139	Web	Servicemember
It looks like OPPORTUN BANK has requested my credit file via a hard inquiry three times in the past 18 months without my knowledge, permission or approval. On XX/XX/XXXX OPPORTUN BANK requested my credit file without my knowledge, permission or approval of a hard inquiry. On XX/XX/XXXX, I was sent a letter from OPPORTUN BANK Credit Department stating " a request has been made to the credit reporting agencies to remove the inquiry on XX/XX/XXXX from your credit report '' however, the fraudulent request is still on my credit report today two years later on XX/XX/XXXX. This is lazy, irresponsible, fraudulent, and dishonest banking. I have never done business with OPPORTUN BANK and any related agency related to this specific credit request for a credit card on XX/XX/XXXX does not have a permissible purpose for requesting my credit report.
11/22/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CA 95838	Web
I took out a loan for XXXX $ in 2012. Did n't understand the terms since the only documents they had to give me were in XXXX and i dont read or write XXXX and i told them they said juat sigh here. Then moved and had a hard time paying. When i got a better job the refused to take payments. They use very inappropriate language and talk to me very inappropriately. I have made lots of attempts to make payments. The guy that i talk to actually told me that if i sent in a small payment that was n't at least {$700.00} that he would send it back. Every time i try and call and talk to someone else they tell me there is no one else. I believe that this is an attempt to get more money. Since they have just kept charging me more fees since i have not been able to make any payments. I dont believe i should have to pay {$1400.00} for a {$500.00} loan.
03/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11370	Web
In recent days I opened a new credit card with XXXX XXXX and checked the XXXX SCORE and I realized that there was an account closed with the OPORTUNXXXX company with a credit of {$1200.00} dollars, which I never requested, I spoke to the company and provided my name, address and social security number and they tell me that with my social security number there is NO account but with my name if there is a registered accountto which I inform them that they are directly but with my name if there is a registered account affecting me due to said negative report on my credit. present the respective claim to the XXXX credit bureau since it is the only one of the 3 bureaus that has this negative report in the other XXXX there is no such negative report. someone unscrupulously used and/or stole my name and address to apply for this card.
04/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	GA 308XX	Web	Servicemember
I did apply for the card on XX/XX/21, but I didn't activate it. Oportun sent me an email on XX/XX/XXXX reminding me to activate the card. I decided I didn't want the card due to the high annual fee, so I did not activate the card. On XX/XX/XXXX, Oportun sent me an email saying that my payment would be due on XX/XX/XXXX. I also received a text message on XX/XX/21 stating that my account was past due. They have been calling me everyday, but I haven't answered the calls because I was told that if I communicated with them they may be able to hold me liable. I did not activate this card, and I certainly don't want to do business with organizations that do business like this. I want them to close the account and revoke any false reports they may have made to any credit reporting agencies. Thank you for your assistance in this matter.
11/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91761	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC
05/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32712	Web
My complaint is about Oportun / Prog, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my XXXX Credit Report on XX/XX/2019. Please remove immediately. Oportun/prog Inquiry from XX/XX/2019 Oportun/prog XXXX XXXX, CA XXXX ( XXXX ) XXXX Oportun Inc/ Oportun Inc/ XXXX XXXX , CA XXXX Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 832XX	Web	Servicemember
Ive been in bankruptcy since XX/XX/XXXX. My lawyer, XXXX XXXX XXXX, sent out a letter of proof on XX/XX/XXXX to XXXX. They still are showing my XXXX account as open and active in their er site as well as my XXXX credit report and possibly XXXX and XXXX. I know for sure in XXXX. Its illegal to keep open my XXXX account after Ive filed for bankruptcy. And when I call XXXX Im automatically transferred to collections where they ask for payment. Its illegal to do this after I filed for bankruptcy which I did on XX/XX/XXXX. Please cease and desist attempts to collect money when I call in and am transferred to collections. Please contact XXXX and change my account from open status to closed due to bankruptcy. Also close my account number XXXX. Stop showing Im in past due status on XXXX website. Im in bankruptcy. Its illegal.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of. I have never done business with your company at all.
01/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89031	Web
Attempted to switch account after closing original bank account used. Account never switched over and missed payments started to occur. Attempted to reach company a second time after getting calls from references about being contacted. I requested them to stop calling them at this time. And requested for payments to be automatic once again after making a payment to bring account current. Again, received a call from a family member about being contacted when reached out to company again, this time fees were up to about {$300.00}, {$85.00} is one regular payment and requested to speak to a manager. Manager gets on line and starts throwing jargon at me, referring to the loan 's amortization table and trying to explain the fees added, when in reality fees would have been avoided if taken out of proper account.
02/17/2020	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 94565	Web	Servicemember
I have made various communication with Oportun representatives and they don't want to support me in scheduling a affordable monthly payments of {$70.00} until personal loan with a high interest over 50 % is paid off. They sent me a letter that loan account is in review for a lawsuit against me as l am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. I can only pay {$70.00} @ month until loan is paid off. Oportun has reported Derogatory remarks and collections on my credit report with XXXX, XXXX and XXXX and has destroyed my credibility. Oportun will not accommodate me on my Lifetime XXXX Accommodations under Department of Justice XXXX XXXX Civil Rights Act and is threatening me and harrassment with collections calls and cell text at my cell XXXX. I can not pay {$150.00} @ month and no fees.
08/09/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	GA 310XX	Web
I began the process of requesting funds on XX/XX/2023 and was told that I would receive the funds into my bank account in no later than 5 business days. That did not happen. A few days later, I received electronic confirmation of a loan application in a wrong version of my name that I did not apply for. I have followed up with the company several times requesting my funding and they always give me steps, that I follow, but to no avail. Each time the processing time changes ( 5-8 business days, 7-10 business days, 3-5 business days, etc ). Finally, I asked that they close the account and send the funds. They agreed, however I have still not received my funds and am being told to follow additional steps because of an issue with my bank. I contacted my bank, and they said there is no issue on their end.
05/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TN 38002	Web	Older American
Hello, My Name is XXXX XXXX XXXX e-mail is : XXXX This Company is " Oportun XXXX Credit Card XXXX XXXX XXXX XXXX XXXX, The XXXX, TX a scam company and has refused to close an account I never activated or agreed to any Credit Card Terms. They never would give me the terms and the Credit Limit. When they did finally send me a text telling me the Limit I told them I did not want the account and to close it since I never activated any cards. They now will not take my card unless I know all 16 numbers of the card which I never received a card in the mail. I received a Stmt showing I owe them {$49.00} for what I do not know but this Company is scamming me and I want this complaint filed to the maximum of the law and I will also dispute them as a scam through all 3 repositories and will not pay the {$49.00}
03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR XXXXX	Web
I have contacted Oportun on several different occasions by phone, email, and mail requesting a validation of this account along with original contract and wet signature showing in fact that I opened and that this account belongs to me after receiving an email that this account had been sold to XXXX XXXX. Oportun has stated they do not own or no longer has this account but reporting on my credit report. and has not supplied the original contract or wet signature for this account and I have contacted XXXX XXXX and they have closed the file and not seeking collections on this account. So If Oportun is not the owner of this account why are they reporting it if XXXX XXXX is the owner of this account and they have stated they are not reporting it to the credit bureau and has closed the case.
04/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	AZ 85021	Web
I managed to contact Oportun at their customer service number provided by their Experience Director which was XXXX and a spoke to a XXXX customer service rep that then escalated the call to their direct supervisor. Both were unwilling to help me while i am going through Financial Hardship. I still have not returned to work in any capataicty and therefore have no money to pay these kinds of bills. The Reps mentioned that they have a " Skip '' program, but its only for one month. They refuse to cancel or suspend my account with them for an extended period of time. I feel like they fraudster and only care about getting money from people rather than actually helping people. I could not be escalated directly to their Experience Director and instead got Stonewalled by the two XXXX Reps.
09/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 75010	Web
On XXXX XX/XX/XXXX oportun was added to my current credit report on XXXX and XXXX for the amount of {$2200.00}. I have made all of my payments for XXXX and XXXX on time and the balance still hasnt been updated on XXXX or XXXX. I contacted Oportun on last week and I was informed that I need to wait 3-5 business days to get a resolution from their internal team. I have an issue with this because the continued high balance reporting as if I havent made any payments affects my debt to income ratio. On XXXXXX/XX/XXXX XXXX was updated to {$2100.00} however, the balance showing on my account for Oportun {$2000.00}. This company is not reporting accurate information to the credit bureaus as referenced on their website they accurately report monthly to the bureaus and this is not being done.
08/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91343	Web
On the dates listed below, my representation submitted debt verification letters to Oportun/Progreso Finance . When Oportun/Progreso Finance attempts to verify the debt, they never submit proof with dates or amounts owed. They only submit a letter that falsely states there is proof in the same envelope, but there is always none. Per the Fair Debt Collection Practices Act ( FDCPA ), debt must be validated and verified within 30 days, this has not occurred and it is impacting my credit history negatively. Account Number listed on credit report : XXXX Name : XXXX XXXX XX/XX/XXXX XX/XX/XXXX -Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted
03/13/2023	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	SC 29229	Web
Path Forward/ XXXX showed up on my credit report, and I received a letter declining my application. I called the company to inform them, and they asked for additional personal information, which I would not provide. I NEVER applied for any personal loan. This was on XX/XX/XXXX. I didn't apply for any loans. The application ID # from XXXX is XXXX dated XXXX phone number is XXXX. I also have a 2nd hard inquiry report from XXXX XXXX XXXX on XX/XX/XXXX. I didn't apply for this loan. Someone is trying to apply for personal loans in my name. I have NOT APPLIED for any personal loans since XXXX of XXXX. I think someone has hacked into my XXXX XXXX account. I updated my password today, XX/XX/XXXX. I need to get these hard inquiries off my credit report they are lowering my XXXX XXXX.
11/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90405	Web
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
04/05/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Credit monitoring or identity theft protection services Billing dispute for services	IL 60651	Web
During the pandemic ( Covid-19 ), the company was contacted voluntarily regarding my account, to advise of my inability to make consistent payments due to a financial hardship. I requested a payment deferment and/or forbearance. I thought that was granted but I was essentially harassed from that point forward. I received repeated calls daily asking what my current situation was, after I explained the situation the day before and the day before that. In conclusion, the payment option requested and granted, was not processed. Oportun is using bully tactics even after being informed of the inability to pay. I now have to attend court to prevent wage garnishment. So unfair when I requested assistance, I was bullied ( repeated calls daily ) and now being taken to court!
08/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA XXXXX	Web
I was behind on payments and I entered a deferement proposal with the company. After making my payment I was sent a new contract updating me that my next payment will not be until XX/XX/2023. Their website is showing that I am a day late with my payments. I contacted the company 3 times on XX/XX/2023 via phone and email. I uploaded the contract they sent to me back to them via email. I spoke to the customer service rep ( s ) and they told me as well that I was late 1 day and that they would not honor the contract given to me by their company. I spoke to another rep and she has the same contract that I have and it shows that my payment is not due until next month. They refuse to honor a contract that was given to me by their office which is a breach of contract.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91710	Web
I wrote to Oportun ( formerly known as Progreso ) at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. I sent a request to both XXXX and XXXX on XX/XX/XXXX and never received a response. Please investigate.
05/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 92801	Web
opportun is falsely reporting my acct. on XXXX my credit report indicated that my balance increased between XX/XX/XXXX and XX/XX/XXXX and that my balance increased from {$490.00} to {$510.00}. Also that I am 30 days behind. This is incorrect. I made the following payments {$100.00} on XX/XX/XXXX, {$50.00} and {$14.00} on XXXX. Between XX/XX/XXXX and XX/XX/XXXX my balance should of been around {$390.00} not {$510.00}. I spoke with A mgr at ( XXXX ) XXXX on XXXX who informed me that they report a month behind and that my report is reflecting data from XXXX. If thats the case then why does it state between XX/XX/XXXX and XX/XX/XXXX. I did dispute through the credit bureaus and Oppprtun indicated it was correct. Please have this investigated. Thank you
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45248	Web
Opportun/XXXX XXXX Credit Card is showing on my credit report that I opened it XX/XX/2022 and that I did not spend money until XX/XX/2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of Opportun/XXXX. I have also never had a visa credit card. I did not open a credit card other than a master card 2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX back in XXXX. I have also never been contacted by Opportun/XXXX in regards to needing to pay anything. This is 100 % not my account. I contacted Opportun and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting XXXX and XXXX.
02/05/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94565	Web	Servicemember
I have contacted Collection Manager Mr.XXXX XXXX and he refuses to answer my calls as his reps stated a couple of times that he is not available and will not have a affordable monthly payments of {$70.00} @ month is what l can afford to pay my personal loan with Oportun. I can pay only {$70.00} @ month until loan debt of {$4500.00} is paid off. I can call Oportun each month and pay the {$70.00}. It appears that Oportun wants to violate my XXXX XXXX Civil Rights Act under Department of Justice and ruin my credit and send derogatory remarks to XXXX, XXXX and XXXX credit report Agencies. I am willing and able to pay a monthly payment plan of {$70.00} @ month to pay loan debt. I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX.
11/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OK 746XX	Web	Older American
Oportun sent me an email saying due to my excellent repayment history I should refinance and get more money. I did. They said approved for XXXX. Then they asked for documents,3 times. Each time they said it was a new loan request, that is a lie, I applied once. Their awful system makes you go through the steps to upload each time. On XXXX I applied, they calmed I applied XXXX, that is a lie. Then they said approved documents on the way. Then a XXXX said no we have to verify your identity, which they did. Back to approved. Then after 3 promises of paperwork coming at XXXX pm a woman, who was never involved said not approved because they could not verify my identity. That was a lie, again. They lie, deceive and take zero responsibility for their actions.
01/11/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	OH 45248	Web
Oportun/XXXX is not helping me. A credit card was fraudulently opened in my name and I now discovered my step fathers phone number was used. Opportun has not called me like they keep saying they will. They havent emailed me. I havent received their Identity theft/fraud packet in the mail like they told me so I can mail my police report and my step dads since we both had our identity exposed ( my name, his phone number ). Oportun said no one called from my step dads number to say the account was fraud. Well thats because we didnt open the account and had no idea it existed. We never received any calls from opportun or mail from them. I found out about the account in XXXX by viewing my credit report and I reached out immediately about identity theft.
05/25/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 76179	Web
On XX/XX/2022 I received an alert from my XXXX credit monitoring that there had been a hard inquiry to my credit file made by Oportun but I have never used or even heard of a loan business called Oportun. I spoke with XXXX about the inquiry and they put a fraud alert on my credit report. I then spoke with Oportun and they found the personal loan application and they said that the personal loan application was cancelled due to client being unable to provide proof of ID. Oportun said their fraud department would be in contact with me and they were sending me a package of documents that they need me to look over and some to fill out. They said it would take up to 10 days to get those documents. That is where I am at right now.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91335	Web
No action was aken by the company Oportun or credit reporting agencies. I called and explained numerous times that these accounts were inaccurate and did not belong to me as I am a vivctim of Identity theft. I attempted to get these items removed from my credit reports and submitted several disputes. No disputes were successful and inaccurate reporting really hurt my credit score and has really affected the way in which creditors look at my credit. I was even declined an apartment due to innaccurate reporting from Oportun and credit reporting agencies. I have sent credit reporting agencies ( XXXX, XXXX ) and Oportun disputes in writing and proof that I am a victim of identity theft by including identity theft police report.
02/22/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	IL 60099	Web
I found that Oportun placed a derogatory mark on my credit report ( XXXX ) showing the account past due. I went to their website and printed the attached document showing the loan is paid off, and offering me an invitation to apply for a new loan. I called them they said my loan was sold to " XXXX '' at XXXX. I called XXXX, they have no record of this information after giving my social sec number and date of birth. I called Oportun back, they then said it was sold to " XXXX '' XXXX. I called XXXX and THEY have no record of any account for me after giving my social and date of birth. I called Oportun AGAIN and they AGAIN gave me XXXX 's number. After I explained that this paper says it has been paid off, they hung up on me.
02/11/2023	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	NE 68127	Web
Received a report from XXXX that my social security number was associated with another individuals account. Contacted XXXX and they states that the inquiry was made by oportun bank. Called oportun bank, and they stated that they do not have the ability to search for my social security number or associate it to an account, and they could only see the last four digits of it, and thus could not provide me with any information on what account may have been fraudulently opened using this social security number. Thus, ai could not obtain documents relating to any fraudulent transactions that may have been made or loan accounts that may have been opened using my personal information in violation of the fair credit reporting act.
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75034	Web
Ive reached out this company in regards to pay off a loan borrowed from them and settled on the amount {$250.00}, from amount owed which is XXXX. I wrote them a check for {$250.00}, and its notated on the check negotiation of tender settles debt AND removal. Theyve accepted the check early XXXX. Months later, I examine my credit report to see NO updates to the entity on my credit report, even after payment and its been at least 3 months. Their in violation of FCRA laws and refusing to update in a timely manner as well as refusing to remove entity. My argument is the time it took to see any results wasnt reflected in the time given which is 30-45 days. Theyve had 2 extra months to supply an answer and have failed to do so.
07/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95687	Web
I paid my account settlement in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
11/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95815	Web
The only way I could get to this step was to simply choose I got a loan but in reality, I did not. I would like to file a SECOND complaint of this company called OPPORTUN THAT KEEPS SENDING ME XXXX. I DO NOT WANT A LOAN THROUGH THEM OR ANYBODY. I HAVE NEVER APPLIED FOR A LOAN WITH THEM OR GIVEN THEM PERMISSION TO SEND ME XXXX OFFERS. I GOT A LETTER THE OTHER DAY STATING I WAS PRE APPROVED FOR A LOAN WHEN I SPECIFICALLY GOT A LETTER FROM THE HEAD OF THE COMPANY SAYING THAT MY ADDRESS WOULD BE REMOVED FROM THEIR SYSTEM. IT HAS BEEN WELL OVER THEIR 40 DAYS TO REMOVE ME & THEY CONTINUE TO SEND ME XXXX. I SERIOUSLY WANT TO SUE THEM FOR HARASSING ME WITH THEIR PRODUCTS. PLEASE STOP SENDING XXXX!!!!!!!!!!!!!!!!!!!!!!!!!
10/25/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CA 93550	Web
Since XXXX I have informed Oportun Inc. that there are discrepancies in the reports it is issuing to the CRA agencies, I also asked that it disclose all the information regarding the increases in the XXXX that I was charged, and so far I have not received any response. They continue to report incorrect and incomplete, marking charge-offs on incorrect dates especially when payments have been made to the account. I asked them to investigate and even dispute it with XXXX and they have only limited themselves to confirming that the account is verified and compliant, but they still do not confirm when the final payment date or the closing date occurred. I paid them everything, I don't owe them anything.
05/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92234	Web
I lost my job for the pandemic, I couldn't made my payments anymore of my loan OPORTUN name of the company, so I called them to let them know about my situation, they said they are going to help me with out any penalties or extra charges today Saturday XX/XX/2020 I called them again to extend my day of payment, surprise my amount of my loan increase {$230.00} more, I just feel ripped off, that is their help when I'm been punctual in all my payments and this is a bad time no just for me for many people.. I try to talk to them about it and got some explanation about the charge and they said is interes ... so what I can do, they really give more time yes but charges a lot for that.. please help me.!!!
04/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 10003	Web	Servicemember
This card was opened up fraudulent my XXXX XXXX XXXX XXXX XXXX XXXX open up a lot of accounts in my name and this is one and whats so crazy is that this company gave a card to someone without proper identification, how can a company have a card to someone with using someone else information and whats so crazy is that I have told this company that it was open fraudulent and the party that did this has passed away now, how is it that a card company would even allow this without talking to anyone over the phone all a person needs is someone information and they issue a card and months down the line they tell you, you owe something this company needs to be held at a higher standard
01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ID 832XX	Web	Servicemember
I am in bankruptcy as of XX/XX/XXXX. XXXX. All of my creditors were sent notice of bankruptcy on XX/XX/XXXX including OPORTUN. I talk to a customer service rep and she looked on my account and saw that OPORTUN did receive proof of my bankruptcy back in XXXX. But as of XX/XX/XXXX OPORTUN still has my account open on their website and on my credit reports. Its illegal to do so and its in violation of the bankruptcy lawyers. They HAVE my bankruptcy documents that my lawyer sent back in XXXX yet they still have not updated my credit reports and my account on the website to show everything as closed. This is a violation of the bankruptcy code laws. My account number is XXXX
03/05/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	TX 761XX	Web
I went to Oportun Loans Store Location at their XXXX XXXX Store location In XXXX XXXX, Tx on XXXX XXXX to re apply for loan credit after I has paid off my remaining balance of {$220.00} on XX/XX/XXXX from the loan amount I has borrow on XX/XX/XXXX of the loan amount {$500.00}. And was told I can not re apply for any loan credit with Oportun Loans by loan representive after I had made all my monthly payments in full and paid off my total loan in full. And was told Oportun Loans donot offer Loan credit to XXXX people customer after they is had paid their total loan in full and was denide and chance to re apply for loan credit after I hath paid off my loan credit in full
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10029	Web
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I Was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these accounts ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device :
12/13/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 90740	Web
https : //oportun.com/ I notify this collector to stop calling me on Sundays is not a good day for me and stop calling me every hour I believe they have to have to wait some time for them to call me again at the same time. When I ask for an employee ID so I can keep a record of the person who is calling me they refuse to provide it or let me talk to a supervisor. I did ask them more than 5 times to stop calling me on Sundays and sometimes they call me after 5 minutes of the first call. I advise them to please stop calling me Sunday 's which is not a good day for me they refuse the is the main complaint. thank you. Sunday XX/XX/2020 they call XXXX XXXX XXXX
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75134	Web
I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with XXXX and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. Second complaint is that oportun has put tons of hard inquiries collections on my XXXX XXXX and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX
10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34608	Web
15 Us Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information resulted from an alleged identify theft, not later than 4 business day after the date receipt. It has been 30 days and you are in VIOLATION! Of the law because I am a victim of identify theft. Please delete these items IMMEDIATELY!. I NEVET GIVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violates my rights as s federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As s consumer I am demanding the deletion of the account listed IMMEDIATELY!
01/02/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 94536	Web
OPORTUN/XXXX XXXX Account number XXXX .... Recent balance {$7100.00} as of XXXX HAS REPOSESSED THE CAR, AUCTIONED IT OFF FOR MORE THAN OUTSTANDING BALANCE AND NOW STILL TRYING TO COLLECT ON THIS ALREADY PAID OFF AND COLLECTED BALANCE IN FULL. WHEN TRYING TO RESOLVE WITH OPORTUN THEY ASK FOR MY SOCIAL # PULL UP THE ACCOUNT THEN ASK ME TO VERIFY ACCOUNT NUMBER WHICH I CAN'T BECAUSE IT IS A VERY OLD ACCOUNT AND SHOULD NOT HAVE ANY BALANCE TO BEING WITH ... OPORTUN IS NOW CALLING MY HOME, WORK AND RELATIVES THREATENING TO ARREST AND TAKE LEGAL ACTION IF BALANCE IS NOT PAID EVEN THOUGH THIS IS A 5 + YEAR OLD ACCOUNT ISN'T THIS ILLEGAL TO DO??
05/02/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 90277	Web
We were solicited by mail for a personal loan up to $ XXXX, with fixed bi-weekly payments over XXXX months, at an UNCONSCIONABLE INTEREST RATE OF XXXX %. IS THIS LEGAL? Also, its not clear whether or not its a secured loan, and if so, by what. We did not act on it, but I want to bring your attention to this. Please scrutinize/review/audit the company and its practices for all irregularities. Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is odd too - its a XXXX near the XXXX of XXXX XXXX, not a place associated with finance. 'All that is necessary for evil to succeed is that good men do nothing. ' XXXX XXXX
07/29/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 92404	Web
Oportune Progreso Financial, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. When I spoke to a representative at Oportune Progreso Financial, he stated no information was available as the debt had been sold to another company. When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.
03/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95835	Web
Oportun was in The Process of XXXX XXXX XXXX, for a {$500.00} Loan. An Employee Filed My Last Name Incorrectly, The Organization on a Recorded Line, Twice Not Only did a regular employee Offer Me To Continue with The Transaction that I plainly stated that My Last Name was Incorrect, But Pressured Me to Continue with The Loan Process. A Supervisor ignored My Request to Correct My Last Name before continuing with The Loan Process, stated I needed to Continue with The Loan Process Because Thats what they had on File, which was incorrect information. As Far as I know This was done on a Recorded Line for Quality Assurance. XX/XX/2023.
08/26/2020	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 Problem with personal statement of dispute	NJ 07106	Web
I made a payment on my account on XX/XX/2020 and my last payment XX/XX/2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.
08/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MI 49505	Web	Older American
On XX/XX/2022 XXXX XXXX sent out 11 payoffs to credit cards. All were posted within a week or two. Oportun credit card is the only one that refuses to post my payment. I have called many times and am conveniently disconnected. I have reached out by chat and have also been disconnected and shut down. A technical problem seems to always occur. I have screen savers verifying that. They always ask for a payment which I'm sure I'll never see. I'm sure they want me to be late then get involved in that vicious circle with late payments and extra charges etc. My best advice to everyone and every state is to stay away from this company!
11/06/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 78207	Web	Older American
Received a Letter from OPORTUN ( XXXX XXXX ), PRE-QUALIFIED LETTER, WITH RESERVATION NO. INFORMED ME I QUALIFY FOR A STARTING {$1600.00} LOAN! HOWEVER, WHEN I WENT TO THE COMPANY FOR A LOAN, THE TOLD ME THE LETTER WAS JUST FOR ADVERIZEMENT PURPOSE AND THAT I WOULD NEED TO ANSWER QUESTONS TO PRE-QUALIFY, ONCE YOU PRE-QUALIFY ON SITE, THEN YOU HAVE TO APPLY FOR A LOAN! THERE LETTER SENT IS MIS-GIVING AND MIS-LEADING! THEY TOLD ME I WAS APPROVED AND THAT I WOULD GET A CALL AND I WOULD PICK UP THE FUNDS! HOWEVER, WHEN THEY CALLED, THEY ASKED FOR A CO-SIGNER! WISH I REFUSED! THESE ARE JUST TRICKS TO GET YOU INTO THEIR AGENCY!
04/17/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 33150	Web
I spoke about my XXXX $ i have been paid on XX/XX/XXXX, i splain didnt have job for covi19, but i waitinng for money..he rescheduled a paynent for this moth XX/XX/XXXX th ..But the company OPORTUM.whos i always ii paid on time and its my XXXX loan sent me a letter charge me late fee snd interest, i called back again and they didnt want eraser the late fee and intereses for late they didnt understand, iwe have and emergency problem. and dont have work ... i tried paid the late amount but they still want charged me late fee and interes rate ..they dont want help ..i want paid but not interes rate not late fee ... XXXX
06/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11354	Web
my name is XXXX XXXX, my ssn is XXXX I have applied a Oportun online credit card on XX/XX/2021. Someone hacked my online credit card account and use others bank account paid for my autopay balance on XX/XX/2021. And then change back to my original boa XXXX autopay setup. facts : I setup my autopay of my XXXX XXXX XXXX saving account for the balance on due date. when i log in yesterday of online credit card, the first autopay of {$250.00} is succeed shows on autopayment list. But the autopay account which i setup before which is XXXX XXXXXXXX XXXX saving account ending XXXX does NOT have this payment deduction.
10/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 932XX	Web
Progreso Financiero now known as Oportun has been harassing me to pay by calling not only my references but also my employer. I receive calls about 10-15 times per day and rarely do they leave a message. The only time they do leave messages is if they were able to speak with someone. They leave messages saying that it is an extreme emergency that they get a hold of me to discuss business matters regarding my account. This company has very poor customer service. Oportun should not be disclosing any of my private information with any of my references much less my employer. Oportun has violated my privacy rights.
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90405	Web
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPORTUN/PROGRE XXXX XXXX XXXX
02/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	GA 30507	Web
I received a pre-qualified offer from this company for a credit line up to {$1000.00}. I filled out the offer and got declined, but I also got a hard inquiry on my credit report. Given I was declined for a pre-qualified offer, I would like this hard inquiry removed from my credit report, as the offer was misleading. I would NEVER have risked a hard pull on my credit report if I thought there was a chance I could be declined. I have worked hard to control the number of inquiries on my report in my attempt to improve my score and this deliberately misleading ad has harmed my credit score with no benefit.
03/23/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 769XX	Web	Servicemember
i went through XXXX XXXX and got offers with different loan amounts & arp %. I spoke to XXXX XXXX XXXX XXXX. He said I was approved for a {$7600.00} personal loan with a 30.00 %. I told him about the loan offer I chose. " The loan offer I excepted online was {$2000.00} at a rate of 21.66 % '' He refused to give me the Original loan but offered {$2000.00} at 30.00 % and I refused it and they hit my credit score so NOW I can NOT get a loan anywhere!!!!! I wanted loan to LOWER my interest rate no raise it!!!!!!!!!! THIS IS WRONG!! Will there be anyway to repair the damage they did to my credit???
07/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77433	Web	Older American
I paid off my Oportun XXXX XX/XX/2021. I called Oportun ( which is a pain because they are pretty much in another country ), and I had been doubling up on my payments, and they never sent me any paid off statements - they never sent me another statement since I filed my last complaint about them, and they MADE ME PAY ALL OF THE INTEREST EVEN THOUGH IT HAD NOT ACCRUED BECAUSE I HAD PAID IT OFF EARLY. And I made FOUR - DOUBLE PAYMENTS ( OF $ XXXX INSTEAD OF {$90.00} ). THIS COMPANY SHOULD OWE ME SOME MONEY PLUS AN ITEMIZED STATEMENT FOR THE ENTIRE LOAN. I WILL NEVER BORROW FROM THEM EVER AGAIN.
10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10466	Web
These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft OPORTUN/PROGRESO FINAN Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72019	Web	Servicemember
In accordance with the fair credit reporting act Oportun have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60619	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681a ( 2 ) ( A ) ( i ) : Exclusions. The term " consumer report '' does not include ; any, report containing information solely as to transactions or experience between the consumer and the person making the report. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77056	Web
I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect, inaccurate or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. Below are the accounts : XXXX XXXX {$0.00} OPORTUN PROG I AUTHORIZED CFPB to receive information on my behalf
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94804	Web
I have an inquiry on my credit report from Oportun Inc./Progreso financial on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to Oportun about XXXX months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!
10/15/2019	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	TX 75159	Web
Inquiries continue to pop up. I admit are not mine. I would want deletion from this. It is affecting me. Dates are listed on credit reports. XXXX shows XXXX XXXX twice. Oppurtun. XXXX XXXX, XXXX XXXX and all others that show on XXXX and XXXX XXXX where i sent the uploads. I had open and closed a credit card with XXXX XXXX and claed the account due to loss of job and months later i notice two inquires for the same credit card service i didn't apply. I spoke with someone and they where not able to tell me why they are inquiries on my account. I ask for deletion and was advise no.
04/22/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 92604	Web
OPORTUN personal loan Doing fraudulent Bussiness Open an account using my social security On XX/XX/22 at their XXXX California location for {$6900.00} unsecured loan According to them they need a valid ID and paystub to open up a new loan which is why i asked them how could they use my social security number without a valid ID and pay stub for an application. Tried to dispute the loan but they said therea no way they can find the application under my social security so basically they cant help me on disputing the loan I live XXXX miles away from XXXX and haventt been there either
01/03/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 94565	Web	Servicemember
On XX/XX/2020 l made contact with Oportun to make a affordable payments arrangements on my loan. I explained Oportun rep over the phone that l have a XXXX XXXX XXXX and requesting a payment of {$70.00} @ month affordable payments until loan is paid in full. The interest rate on loan is over 24 %. I am respectfully XXXX Lifetime, and Retired and a US XXXX XXXX XXXX. Oportun stated that l was going to be place on collection and reporting derogatory remarks on my XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX credit reports. Oportun wants to put me in collection of {$4600.00}
09/05/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94601	Web
I owe a loan i took out from company Oportun in XXXX california. i owe about XXXX i have fallen behind since i had a baby and then was on XXXX and quit my job found a new one but i couldnt catch up to continue making payments and they have called me non stop and are now calling references telling them about my debt information which i called today and asked them to stop but since i have also told them to stop calling me that freedom debt relief would contact them they will probably continue discussing my business with my references i put for me to take out my loan.
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94501	Web
I Called the company Oportun at XXXX XXXX. Personal loans : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Spoke with a customer service representative. I explained that the amount of my balance is incorrect. That needs to be up dated, as soonest possiable. I was told that they would forward the information to the correct department and Open a Ticket for follow up? ** Oportun contacted me apologizing, that indeed the information was incorrect. BUT did not update the 3 main Bureaus with the correct information. What's the point of submitting the correction and complaint.
08/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	OR 974XX	Web
We received a visa card in the mail from Opportun along with a letter stating they had changed our address from our ( correct ) previous address to our new address. We did not apply for this card, we do not want this card. We cut it up and never used it. We began receiving bills for monthly fees and now have a balance due of {$96.00}. on XX/XX/22 we contacted them and after lengthy conversations with many different customer service agents, we were told the card had been cancelled and fees reversed ; however, yesterday we received a new bill with additional fees.
10/20/2021	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 93309	Web
I received a personal loan by the XXXX XXXX XXXX on XX/XX/2017 for the amount of {$1600.00}. While making payments I eventually couldnt pay anymore. So the company took action and put a wage garnishment and took money from my checks and deducted over {$1800.00} the amount owed was paid in full. After the payments were made the creditor added an amount of XXXX and does not want to give me information on why its there on my report. The company does not cooperate very well. Ive tried for a year to resolve this but the company is refusing to give any information.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94544	Web
I disputed their inquiry with XXXX and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- XXXX voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from Oportun at XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a VM the number listed is XXXX I want the inquiry from XXXX to be removed because I NEVER attempted to get a loan from your company!
02/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	NC 28110	Web
Oportun Card offered a pre qualify link to check to see if I was approved for their card. They state on their website this will not be a hard pull and will not have an impact on an applicants credit. They pulled XXXX bureaus that night and ended up issuing a card with a massive annual fee and low limit, even though I had not actually applied for the card. They should have never pulled my credit, based on their own website verbage, and should have never issued me a card without my applying for it. I want the card cancelled and the XXXX inquiries removed.
06/15/2023	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 76051	Web
Oportun published my account to the credit bureaus without my written consent. This was back in XXXX of 2022. In accordance with the Fair Credit Reporting act Oportun # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.
08/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90044	Web
I was affected by COVID-19, I lost my job, I reported to OPORTUN the financial companies that I could not continue to temporarily make my payments due to the pandemic. they replied that there was no problem. my last payment day is on XX/XX/2020 and until that date I deviated {$3300.00} dls. I got my job back on XX/XX/2020 I made a payment of {$110.00} USD on XX/XX/2020 and I realized that they were charging me interest for {$430.00} USD. they did not mention those charges. they didn't say anything when I notified that I was affected by COVID-19
10/12/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	OK 748XX	Web	Servicemember
Oportun Credit Card states opened a card in XX/XX/2022 and it wasn't paid on since XXXX of XXXX and has been negative since and they say I now owe {$1800.00}. I have no recollection of this card. It is a fraudulent card. When I call Oportun they can't even find any information of me in their system. One of my ticket numbers they have provided me with is XXXX. I have filed Disputes to get this off my credit because it is not my credit card and I shouldn't have to pay for something that isn't mine and they can't even find me in their system.
10/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web	Older American
To whom it may concern : A certified mail debt validation letter was delivered to OPORTUN/PROGESO FINANCE on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. OPORTUN responded in a letter dated XX/XX/21 that they can not verify my information with their accounts. They continue to contact me and send me statements ignoring my concerns. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt.
05/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90035	Web
No lawsuits have been filed. On XX/XX/2020, at or around XXXX XXXX p.s.t. I had a telephone call with Oportun to inquire about a matter. I was transferred 3+ times to various representatives. On part 2 of the telephone call with rep # 2 I asked if the call was being recorded, which the Represenative said that it in fact was being recorded. No notice was given prior by Represenative # 2 that the call was being recorded as required at the onset of each and every phone call. This is a violation under California Code, Penal Code - PEN 632.
07/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 23235	Web
Of my five Credit cards, in which ( for College purposes ), I stipulate delay ( and have corrected that by setting it aside for a while ), yet all four others both gave Notice and accepted accommodation-Rescheduling ; however, OPORTUN disallowed access to my Account, systematically offered no Information, and on my most recent Due date ( today ), said they sold the Account ( whose number three people gave, and that Number was only a Medical Advertisement robot : this Process was entirely and inanely Repetitive ). XXXX XXXX XXXX XXXX
06/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90044	Web
I have repeatedly told the company over the phone when making a payment that when I first applied for the loan, I was getting paid weekly but then I got hired thru the company and I get paid bi weekly now and that it is hard for me to make the payments when I said I was. Company has been calling other people that where not on my reference list to get in contact with them and if I am available. One representative called me and started screaming at me over the phone. When I told them to let me speak to a supervisor he hung up on me.
08/23/2021	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	NC 27614	Web
I have filed a dispute through XXXX Credit Bureau and I have called the company twice onXX/XX/2021and XX/XX/2021. The name of the company is Oportun Inc/Progresso Finance. I have been a victim of identity theft and the debt that is indicated on my credit report does not belong to me, as I never opened an account with this company. The amount of the initial loan is {$2600.00}, which is now {$2800.00}. Oportun Inc/Progresso Finance claimed that an investigation was initiated, but this information is still included on credit report.
07/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 11354	Web
XXXX CFPB, Oportun credit card payment scam issue number two. Please check out the screenshots for today 's current summary transaction. The summary transaction total is {$320.00} while in the oportun online account summary the current balance is {$1000.00} ( see attachment : oportun credit card XXXX XXXX ). This means when my autopay pay the balance at due date, it would be the scam number XXXX not the transaction sum of {$320.00}. Also, the credit card usage is declined already for no reasons. XXXX XXXX XXXX ssn : XXXX
10/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	IL 60608	Web
They are overcharging me for a last payment for a loan that got superseded/absorbed by a new loan. I made the payment, {$55.00} ( when my monthly payments are {$100.00} ) and they deducted it. Now they say it didnt happen. When I specifically spoke with someone, ordered the payment outside of my due date for the XXXX monthly payment. And today I just got another call and I explained the situation, and they said that the XXXX went to the new loan. And want to charge me XXXX AGAIN. After i just paid my XXXX monthly payment.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92064	Web
The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60616	Web
XX/XX/XXXX - Reviewed credit report and noticed a charged off loan amount of {$7300.00} for a derogatory account at Oportun Bank. I had no knowledge of the account and did not authorize this account to open. The account was opened in XX/XX/XXXX. I have contacted the bank and am in the process of disputing this account. I filed a police police report for ID theft on XX/XX/XXXX. I contacted XXXX, XXXX, and XXXX on XX/XX/XXXX to dispute the loan on my credit report and have also placed fraud alerts on my credit.
02/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33313	Web	Older American
Hi My name Is XXXX XXXX I received a personal loan in the Amount of {$5000.00}. From Oportun Inc Loan No XXXX was paying on time and I was Surprise to find on the credit report that OPortun Report 2 late Payment in XXXX and XX/XX/2021 XXXX contact the Lander to do Good Will Deletion they refuse to do it When I called and I talk with one member of the customer He told me the company had some issues with the software. The LoanHas Been Paid off. I am asking you to Intervene in this Matter.. Sincerely XXXX XXXX
06/15/2017	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	LA 70808	Web
I have XXXX inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them. XX/XX/XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX , XXXX XX/XX/XXXX , XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The company said the inquiries were verified which can not correct as I did not apply at any of the companies.
06/19/2023	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 33409	Web
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
05/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84651	Web
I had a unsecured loan with oportun XXXXXXXX XXXX XXXX. It was charged off and sold to XXXX XXXX XXXX XXXX. We worked out an agreed upon settlement to pay off the debt. I reached out to oportun to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to XXXX XXXX. XXXX XXXX said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.
04/11/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 93306	Web
I have fallen a couple of weeks behind on an Oportun loan and they are constantly harassing me by phone, harassing the person 's in which I gave Oportun their phone number for reference by telling them that they can not contact me when I have been in contact with them by phone at least once per week and usually twice per week with payments or updates. I received a letter from them today threatening to sue me over the late payments in which they claim that I am 47 days late and have {$230.00} overdue.
02/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	IL 60174	Web
I have contacted Oportun numerous times on why I keep receiving notices about being late on my original loan from them. I refinanced my loan, but they keep saying that the previous loan is still open and have late payments. I was advised from an Oportun representative that my credit just wasnt updated yet and within the next month, it would be closed out and show that it was refinanced. Now they are ruining my credit by reporting that its charged off when its not. I want this corrected immediately.
09/29/2021	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	CA 95112	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.
02/05/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92703	Web
I am being harassed by mail advertisements for personal loan from Oportun using my home address but address to XXXX XXXX. I do not know this individual. I have had filed several complaints with the company and received acknowledgment. They promised to stop sending mailers and removing my address from their records. I keep receiving the same advertisement for the same individual in English and XXXX every other month. This has happened for 2 years now. Extremely Frustrating!!! Please Help
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92027	Web
OPORTUN has admitted to using the EOSCAR system. THEY CONTINUE to state they verified a paid off collection account to all CRAS. They have failed to provide factual evidence of the physical relevant documentation they sent to the CRAS. EOSCAR is not built to send any physical relevant documentation to the CRAS. THIS IS A WILLFUL ATTEMPT TO VERIFY WITHOUT ANY PHYSICAL DOCUMENTATION BEING SUBMITTED TO THE CRAS THEREFORE BYPASSING A COMPLETE AND ACCURATE INVESTIGATION UNDER THE FCRA CODE.
04/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76001	Web	Servicemember
I submitted in writing on XX/XX/2022 via certified mail ( USPS tracking number XXXX ) a letter informing Oportun IncProgreso of an inquiry and their violation of the FCRA and Various US Codes that they are in violation of and demanded that the inquiry be removed as well as a settlement payment of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ] to which I received no response, which is also another violation. Please see attached letter that was mailed to this company.
04/12/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WI 53051	Web	Older American
I have been a victim of identity theft. This has been a traumatic time for us. They have been leaving either empty messages or notifying other family and friends about this. We are on Social Security income and can not do anything. We contacted XXXX a nonprofit law firm for additional assistance. They have disregarded all communication about this. We contacted them in XXXX and notified them to contact XXXX. but they have ignored that. XXXX has sent them a letter. Please see attached.
01/12/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 93703	Web
I did not authorize this loan. Ive disputed this twice with XXXX. XXXX keeps saying information is accurate when its not. On XX/XX/2022 I went to finance a car that is when I was told I have an outstanding balance of XXXX that I need to pay. When I truly have no idea what this company is and what loan was made. Ive already filed identity theft with this company. I just dont understand why XXXX is telling me the information is accurate when I never have done anything with this company
12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75126	Web
I sent documents to XXXX ( Tracking ID : XXXX ) and XXXX ( Tracking ID : XXXX ) about a debt from Oportun XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to Oportun ( Tracking ID : XXXX ) but no response either
03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94544	Web	Servicemember
I paid Oportun {$3300.00} on XX/XX/22 and was told prior to making the payment that my credit reports would be updated as long the money is received by the XXXX. I called over 50 times in same day and staff doesnt understand basic XXXX. I was hold for 5 hours and kept getting transferred around. I asked for the address and phone number for corporate office the customer service refused to give me the information. I feel I am being discriminated against because I dont speak XXXX.
10/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	TX 77365	Web
I requested a payoff letter. I received the pay off letter and processed the payoff accordingly with my credit union and a check was sent off. Some one called me during work hours when I was in the middle of a shift and said they received the check. I let them know they would need to call me back. They never called me back and I have gotten the run around while the pay off amount keeps getting bigger. They will not apply the payment and this is a part of a debt consolidation.
10/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OR 97404	Web
I have made 6 ontime payments with oportun and my payments are not paying the loan balance off. This company is in violation of the state of Oregons predatory lending laws. When I try and communicate with the company I get someone who barley understands english and can not explain or help me. this has created a situation where it doesnt seem that the loan will ever be paid off and I can not afford to pay {$230.00} a month for the rest of my life. I currently reside in Oregon.
02/24/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75052	Web
I have Received a loan I applied To from Oportun. They have been harassing me and my family in regards to payment. I had Lost my job, my father passed away, my interest went up and it keeps going in even tho Im doing payments, I dont think Its fair that they are harrassimg me and my family when I am Trying to work things out. I am Being threatened that I will Go to jail or that they will sue me. I consider that as being illegal when I am Working with them in paying the loan.
11/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	NV 89118	Web	Older American
I ask Opportun service representative XXXX if they can just put me on a payment plan with no more interest but they decline it. Instead threatened me on ruining my credit for XXXX. They call me XXXX times a day or even at night, I sometimes just ignore it for it is so much pressuring. I had enough problems already of having no money and now out of job but this people doesnt seemed to understand Im willing to pay but just stop the interest that is getting me more underwater.
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33010	Web
There is a company in california called Oportun, inc. In XX/XX/2022 someone took out a loan online with this company. When I reviewed my credit report I contacted them and together we made a report # XXXX XXXXXXXX They asked me for 90 days to investigate and they still haven't removed that account from my credit. I told them we could have a video interview with me and that other person so they know where the fraud is but they don't do anything and it affects my credit
09/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Personal information incorrect	NY XXXXX	Web
In accordance with the fair credit reporting XXXX # XXXX, has violated my rights. 15 USC 1681 section 602 States I have a right to privacy, 15 USC 1681 604 A Section 2. it's also states a can't reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : a company can not sell or buy any debt from a third party and try to collect nor report fraudulent information, also I need anything my signature was signed to obtain any information
09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92027	Web
Oportun needs to provide how they verified to XXXX dispute XXXX and XXXX XXXX, if they are sending a numerical code back to the credit bureaus through the E-OSCAR system this is not a accurate and complete verification and the account needs to be deleted immediately. Please provide what method of verification under section 623 A under the FCRA through the cfpb portal. Marking complaints as duplicates is further violation under the fcra noncompliance penalties!
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27410	Web
In accordance with the Fair Credit Reporting Act OPORTUN/XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28306	Web
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. Account name : Oportun Account number : XXXX You're reporting a late payment in XX/XX/2022 yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93726	Web
In accordance with the fair credit Reporting act OPORTUN/PROGRESO FINANCIAL # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor maXXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/27/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94015	Web
The total loan is {$5500.00}, we got it on XXXX, 2019, and XXXX we sing documents they said the interest rate should be some %, but we notified after 6 months doing payments of {$400.00}, each month, that the principal amount of the loan paid is only {$1700.00}, that means in 6 months we paid {$1100.00} in interest, I feel it is very high interest charge, if you guys can help to verify if this company are doing this high interest charge under the law
01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32404	Web	Servicemember
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX, has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a section 2 it also states that a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
05/31/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	IL 60618	Web	Servicemember
Oportun found at https : //oportun.com/ is an XXXX Banking and it takes money out of your account that you are not using. When I tried to pull my money out and transfer the money back to my account it does not allow me to. They have no person who I can call just an email chain and a run around. I have been trying to access my money for a month and no progress. I keep sending tickets and I get put through more issues. I just want my money back.
01/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 958XX	Web
The company website give you a option to pay the bill via your bank using the bill pay. My bank delivered my payment to the Oportun company on XX/XX/18. The company applied a late fee {$14.00} because they claim they don't check the PO BOX daily for payments. They gave the in date of the payment XX/XX/18, but i should be XX/XX/18. The website does not inform the customers that it might take a few days for them to get the payment from the PO BOX .
12/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 47150	Web
I have contacted Oportun aka XXXX numerous times. I attempted to pay off this loan by using a balance transfer from XXXX. XXXX electronically sent funds in the amount of {$4100.00} on XX/XX/2022. As of this evening, my account has yet to be adjusted as paid in full. They continually tell me that the funds were NEVER received. I have submitted numerous documents from XXXX, but Oportun continues to reject my attempts to clear up this issue.
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92027	Web
Oportun has been in continuous violation of an unauthorized credit inquiry on my credit report which still hasnt been removed as of todays date and continues to violate my credit by reporting an negative account with inaccurate information. Both violations have caused significant damage and I am gathering enough information to seek remedy for the damages it has caused me. STOP stating your following the FCRA when you know you are NOT!
05/04/2023	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	NY 11722	Web
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	IL 60608	Web
I have filed two previous complaints against the Oportun company, and they responded that they messed up with the loan issues, and said that they would close the account and would not do any further wrong credit reports. They are STILL making negative credit reports, even after the TWO PREVIOUS COMPLAINTS have been closed. This is about the XXXX credit report that they put on my credit score report, and they have messed it up AGAIN.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33713	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33610	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33033	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33155	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33010	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/04/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33610	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/18/2023	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 33615	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/18/2023	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 33713	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94621	Web
All Im asking is to provide true and accurate information on MY credit report. This account was closed in XX/XX/XXXX and out of spite and revenge since I have disputed many times due to incorrect information, you update it to closed on XX/XX/XXXX since you know this will harm my score and it did tremendously! The balance owed is {$0.00}! Why should I have to dispute it a 4th time?! Why cant this company just do right the 1st time!
01/25/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 95348	Web
Oportune called my job, asking for information about me. They are constantly calling my supervisor They call very frequently, when im at work I called them and the lady said that i have to go to court, at a certain time to get the problem fixed. I told her for that i need writen proof, but she incisted. And said they were gona keep calling, even when i told them i was planing to pay and gave them information about my debt relief.
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33014	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 SECTION 602 states, I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 states that a consumer reporting agency can not furnish an account without my written instructions. UNDER 15USCS 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89107	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX that this negative rating has caused me and will continue to cause until it is resolved.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 723XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under and open end consumer credit plan as late for a purpose.
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60123	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
12/16/2022	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	CA 92507	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60615	Web
In accordance with the fair credit Reporting act Oportun has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/03/2023	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 33032	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
02/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11226	Web
A fraudulent transaction was induced in my account and I informed the company of this ; they said they would terminate the balance and send out a new card in the mail, which still has not happened ; instead the balance has been let to grow with interest and now they expect me to pay it, without any proof that I did it. No communication from them has been taking place, rather evasion via mail letters I sent and phone calls.
06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89110	Web
Oportun reported again to my credit report an account opened in 2016 resulted in an identity theft. I disputed that account several times with the credit bureaus and the credit bureaus removed the fraudulent account from my credit report and Oportun reports this fraudulent account again and again. This company should be investigated for ilegal and oppressive collection practices. Account listed in my credit report XXXX
12/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 27870	Web
I closed the account credit card OPORTUN and paid the amount that I owed them later I received a statement with a late fee payment to make because they received the payment one or two days late. I told them that the mail in XXXX takes longer and I sent my payment on time, also that I got affected by the coronavirus and have no job. I paid my debt in total but now they want me to pay them more after I closed the account.
05/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 958XX	Web
I have been charged multiple late payments fee which my payment was not late. The payment was received 2 -3 days after the due date. Per company loan contract. Late fee {$14.00} will be assessed if the payment is received 6 days after the due date. I have highlighted the payments and late fee charges that I believe it is not correct. I tried to contact the company and they are so rude. I could not resolve the situation.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85017	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A SECTION 2 : It also states a consumer reporting agency furnished an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as for purpose.
04/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TN 382XX	Web	Servicemember
I have contacted customer service repeatedly over a series of a few months pertaining to a temporary hardship when husband was laid off which affected my income. I continued to receive emails, texts, letters, stating that they would reduce my payments substantially to help out. Each time I contacted customer service they would not honor anything that was stated in writing. My account was charged off recently.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76179	Web
OPORTUN/PROGRESO FINAN XXXX, this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
04/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90044	Web
OPORTUNPROG ACCOUNT # XXXX, sent dispute letter, never sent original contract, to verify debt, this is a fraud account, company will not delete off my report XXXX amount {$1100.00}, this is a chargeoff account with past due XXXX XXXX XXXX XXXX sent dispute letter, never sent original contract, to verify debt, this is a fraud account, company will not delete off my report XXXX {$4000.00} past due {$95.00}
12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 91977	Web
I owe Oportun for a loan. I was in an accident at work and lost my job. Right now I 'm temporary XXXX and not making any money. I 've told them this several time and they keep calling me and harassing me, and not only me, my friend have gotten several calls from them. That 's what makes me mad the worse. Please help me stop them calling me until I get a job back and be able to pay themy off. Thank you.
06/04/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92620	Web
Lender stated that application will not affect credit score and only a soft inquiry will be done. While loan was declined, an immediate hard inquiry showed up on my credit report. I immediately contact them and told them that it was not noted on their disclaimer. The only things noted were soft inquiry and that loan will not impact credit. My credit is already score dropped one point on the same day.
10/07/2023	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 27203	Web
My ex-girlfriend had opened this account I never knew nothing about it. I didn't find out till a few months ago when I checked my credit report. I contacted the company to let them know hey this wasn't me and that she did this. I actually was trying to press charges against her but she left town. The collector wouldn't work with me said I was lying and I had to pay in full or they would sue me.
06/15/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX XXXXX	Web
I filed bankruptcy on XX/XX/XXXX. XXXX XXXX continues to report to the credit bureau a balance owed of {$6300.00}. I start to request back in XX/XX/XXXX for them to send proof/documentation that what theyre claiming they were not included in bankruptcy be verified. My bankruptcy attorney sent them a letter to cease and desist in XXXX of XXXX. They continue to report to all credit agencies.
12/09/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Personal information incorrect	CA 92404	Web
I tried apply for a car loan one day then out of no where I look at the credit report that they give me and I see that Oportun was on there even though I never got approved for a loan with them and it started affecting my credit with late payments when I wasnt even aware of this problem. I never received any type of money from them or anything and I did not sign any paperwork for that loan
11/12/2023	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	NV 89110	Web
I have authorizes my fiancee to speak on my behalf several times. I lost my job because I kept having to be interrupted at work to verify that they can speak with her. So now that I have no income they called me on a Sunday Morning before XXXX. When I asked what company the woman just gave me her name again and I advised her that I asked for the company name she finally said oh opertun.
04/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	NY 11354	Web
My name is XXXX XXXX. XXXX. I have received account registration text confirm from my phone number XXXX last night as the screenshot pic shows. But i didnt do that new registration I already had an account with Oportun online banking website. I have just reported lost card and freeze use of card but not send a new card to Oportun credit card company yesterday afternoon. Its a FRAUD.
02/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	HI 96822	Web
I am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
03/25/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	FL 32246	Web
I got a loan for {$1100.00} on XX/XX/XXXX. I made XXXX payments. Two payments on XX/XX/XXXX for {$830.00} and {$110.00} and {$110.00} on the XXXX of XXXX. Their system has a glitch and took a full payment of {$110.00} even though I only owed {$100.00}. I called them 3 times. The last person I spoke to said they would take up to 8 weeks to refund me. I spoke to XXXX XXXX on XX/XX/XXXX.
07/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	PA 190XX	Web
Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account.
11/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92105	Web
Saying I owe loan and harassing me day night at my place of work causing numerous stress threatening me with lawsuit and jail time and or arrests. Harassing my family calling them in another state day and night. I asked them kindly to take off loan thags in my name they would not. Opportune loans has done nothing but have shady business dealings. They called me day and night
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60174	Web
I was in contact with Oportun in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. Oportun has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75204	Web
I am a federally protected consumer and I am aware that this company OPORTUN, Is in violation of my rights as well as FCRA. This company is furnishing consumer reports without my direct consent as well as reporting experiences and transactional history which is to be excluded from reports. This company is a VIOLATOR and I may never do business with them ever again!
05/03/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CO 80203	Web
I have twice tried to close an account I have through Oportun ( an automated savings program formerly called XXXX ) in the past two weeks. They have not honored my request to close my account and continue to remove money from my checking account. I have over {$1000.00} in the Oportun account. I assume if they are doing this to me they are doing it to other people.
01/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	OH 45342	Web
I seen an ad on XXXX XXXX for the Oportun XXXX by XXXX. Their website clearly states that you can get Prequalified without affecting your credit score. This implies a soft inquiry before you apply with a hard inquiry. When you go through the steps it does a hard pull, not a soft pull. That is false advertising as a hard pull does affect your credit score.
01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92027	Web
Oportun has failed to provide how they verified inaccurate information on my credit profile. They have ignored my request to delete the negative reporting for they failure of reporting this information. FCRA, requires them to report only 100 % accurate and complete information. I am filing this again with the CFPB for the continuation of breaking the law.
02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92027	Web
Oportun has illegally pulled a Hard pull inquiry on my credit report with XXXX, I never authorized them to pull my credit. It has dropped my credit score damaging my credit. I am requesting help from the CFPB in this matter for Oportun to respond. XX/XX/XXXX XX/XX/XXXX Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90047	Web
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
11/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Can't contact lender or servicer	MN 55412	Web
Since XXXX I have asked Oportun Inc to send me all the documentation of my contract, payment record and a report of the interest they charge me. I feel that I suffered predatory abuse with the payments I made. But so far they have not responded to me. They have sold the account and now both companies appear in my report for the same account.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77450	Web
It has been over 30 days and the creditor has not updated my information not has provided prove or documentation on regards a late payment. they have not supplied this information and they must delete this information from my credit report. under federal law they 30 days to do the investigation and failing to do so the item must be delete.
12/17/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 92316	Web
I have an XXXX XXXX FL account where i made a $ XXXX monthly payment I recently have been going through financial hardships and have been late on making on a few payments. I paid off what i owed every penny of it on XXXX XXXX 2017 but they have yet to close my account nor have they took off the missed payments and everything off my credit.
10/21/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	CA 93274	Web
I informed them that I can not have anyone contact me at work regarding a debt. They came into my work threatening to sue me in front of my boss, co-workers and customers putting my job on the line after I told them I can not be contacted there. They are also coming to the house I stay at and leaving notes on the door several times.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75010	Web
I was a identity theft victim and I notice that I had an account on my name from oportun and I made the FTC report because I have 4 charge off and multiple late payments on XXXX and that account is affecting so hard my credit score for something that I never applied for and I need that account out of my report as soon as possible.
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22193	Web
I applied for a loan with Oportun Loan and was approved based on credit and income. They asked me to send in Driver License. It took them 6 days to review my driver license. I called each day about application. They did a hard inquiry on XXXX and XXXX. Then they denied my loan. I questioned why and was not given an answer.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77072	Web
A loan of {$9300.00} from XXXX XXXX Oportun appeared on my XXXX Alert. contacted XXXX and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with OPORTUN WITH MATCHING RECORDS FROM THE XXXX REPORT. please contact at XXXX for further follow ups.
11/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90717	Web
I found the company through XXXX XXXX and applied. I received hundreds of emails, texts and phone calls that I was approved but needed to send documents to finalize. I provided all the proof. They ran my credit- a hard hit and said I need a co-applicant. Their advertising and emails are all lies and unprofessional.
11/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	VA 22312	Web
I had never received the card in the first place and I got not one but 2 late fees of {$35.00}. I was unaware that I was getting charged these fees because I never got the card and they never called me. They did waive one of the late fees. Please waive the other. I should have a balance of - {$70.00}. Thank you!
12/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	GA 30349	Web	Servicemember
Despite my previous complaint against the unethical business practices of OPORTUN XXXX, and my clear and firm statement to them that I did not want their credit card, they have against my instructions added this credit card to my credit reports, a credit card which I have not even activated as I do not want it!
06/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	SC 295XX	Web
hi on XXXX I got a loan from them for XXXX dollars but they sent me 2 checks each for XXXX dollars so i put them both in my account in XXXX they took the whole XXXX back but i am still paying on the loan please help me i sent all the paper work they ask for every time i call they tell me something different
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA XXXXX	Web
XXXX credit pass complaint to XXXX and XXXX measure the act and report herein to remove Oportun credit inquiry, and XXXX XXXX XXXX assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
08/25/2021	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 95825	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76051	Web
Oportun added Late Payment statuses to my credit reports even though my payments are current. I've spoken to them about this before and yet they have done nothing to resolve this issue. It was marked as current on XX/XX/XXXX and then became deliquent 5 days later on the XXXX despite my on time payments.
10/11/2017	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	NV 89102	Web
We are very upset this company is checking my credit every month and I think it is also sharing this information with other companies in the last XXXX years I checked my credit 8 times and they send me letters every month up to XXXX letters with a credit that I I 'm not asked and they call me at night
05/19/2020	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 Was not notified of investigation status or results	CA 92027	Web
Opportunity illegally pulled my credit XX/XX/2020 causing significant damage to my credit profile. Additionally they have no authorization for this hard pull. I requested this inquiry to be removed and as of today I pulled a copy of my XXXX report and Oportun inquiry is still showing on my report.
11/19/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75211	Web
I applied for a payday loan with Oportunum a month ago or so.My loan was for $ XXXX.My payment biweekly is {$36.00}. I got behind on my payments.I have been harrass by numerous of phone calls per day.They need to stop. I know I owed {$300.00} but this is insane.Please help with this issue.Thanks
01/05/2022	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 33139	Web
My identity was stolen in XX/XX/2020 and they opened a loan account through XXXX XXXX. I submitted an affidavit that my account was stolen, I called the bank, submitted a police report and filed a case in XXXX I still have a balance on my credit report from a loan they disbursed to the thieves.
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web
There is a fraudulent account ( Oportun/Webbank ) reporting on my credit. XXXX and XXXX have already removed this account, but it still continues to report on XXXX. I am requesting the immediate removal of this account from my credit. Please see the attached FTC report and my driver license.
12/24/2017	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	CA 92407	Web
There 's a few credit inquiries that do n't recognize.. starting with the most recent one. On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/XXXX XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017
08/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90044	Web
Company keeps harassing me, calls me feom different numbers and like 20 calls from this company. I work and company calls me like 20 times and I can not work. They call people that I know to get information from me. They threaten me to sue me if I do n't pay but I told them I will pay
04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 344XX	Web	Servicemember
XX/XX/2022 someone tried to take out a personal loan under my name for {$7500.00}. OPORTUN INC/PROGRESO FIN who offered the loan have been contacted to remove their credit inquiries. However, there hasnt been any communication from the Oportun and their credit report is not removed.
07/08/2021	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 XXXXX	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.
10/05/2021	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94544	Web	Servicemember
Im trying to apply for loan and the rep refuses to correct my information.They put make XXXX a year when I make XXXXThe company is giving runaround. I asked multiple times seems they dont understand English.They told me falsified income asked them to correct it they refused.
02/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92027	Web
Oportun has violated my rights under section 623 ( a ) ( 2 ) willfully updating my consumer report with information that isnt 100 % accurate nor complete. I am requesting immediate deletion of this account for your failure to comply with the law under the FCRA federal code.
08/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75211	Web
The account was opened on XX/XX/2012. The debt collector states that i owe {$150.00}. I do not owe this debt. This has caused a negative mark on my report.I tried to contact the company numerous times to show me proof but no replies. Please remove this account immediately.
08/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	CA 95376	Web
This company oportun XXXX XXXX XXXX XXXX CA XXXX put a XXXX XXXX judgement against me for loan I never had I sent them my driver license ssn police report and sign afadavit this wasn't me I had my bank account debit and identy stolen they need to take this off asap .
10/31/2022	No	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 48336	Web
Someone has used my personal information to obtain credit causing an inquiry to be reported on XXXX XXXX, 2022 by XXXX XXXX XXXX REPORTED ON XXXX XXXX 2022. XXXX XXXX REPORTED ON XXXX XXXX 2022 AND XXXX XXXX 2022. XXXX XXXX XXXX REPORTED ON XXXX XXXX 2022.
06/12/2023	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 92835	Web
I am getting multiple HARD INQUIRIES on my XXXX app. 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX 4 . Oportun/Progreso Financial I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX b. XXXX XXXX XXXX XXXX I never made these inquiries.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90063	Web
This account is passed the statute of limitiations in California. I have requested this account closed and removed from my account. I have contacted the Creditor in the contact info provided by reporting credit bureaus. And I never receive a response.
10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94621	Web
I've disputed twice and both times without providing any documents they verify as true and correct which is completely false and far from being the truth. This is causing me many issues due to this company negligence and not properly investigating
10/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AZ XXXXX	Web
I reported the charges as fraud and closed the card and got a new card. the credit company has not issed credits for the fraud. i called they ssaid it is under investigation and not issueing credits not time frame is given//bank is oportun XXXX
10/11/2017	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	NV 89102	Web
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX This company I checked my credit without my permission po 9 times in a year and I tried to talk to them but they spoke to me in a despotic way and I wrote them they never answered me
01/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	KY 40241	Web
I payed off my credit card with oportun and closed the account and they keep harrasing me about a payment, i dont owe them anything. Ive asked the to stop they keep sending me a bill its always more every time. Oportun is a XXXX company.
04/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	NY 109XX	Web
Oportun/XXXX credit card opened in my name and now has a owed balance of {$350.00}. I have no aware of this card and would like it to be removed from my credit asap. XXXX XXXX XXXX, Im not sure what this is on my credit report as well.
01/28/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 75204	Web
I am a natural person ; consumer. I am aware that this company is attempting to coerce me into paying an alleged debt I do not owe furthermore violating my federally protected rights. Please review the attachment to see my complaint.
10/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	NJ 080XX	Web
I received an installment loan from Oportun. I have fallen behind, but the account is not in collections. Between XX/XX/XXXX and XX/XX/2023, I received 13 phone calls. Between XX/XX/XXXX and XX/XX/2023, I received 22 phone calls.
08/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91405	Web
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now
11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
Company reported my loan 30 days delinquent was it was not. Company reported that a previous loan was 30 days late so they should not have reported that my current loan is 30 days late when it is a totally different loan number
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07103	Web
Illegal Debt Collection Practices Illegal Acquisition of Location Information Inaccurately reporting Negative information on Credit Report. ( Defamation of Character ) Refused to validate debt after requesting debt validation.
11/21/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA XXXXX	Web
They keep calling even after payment arrangements have been made and they demand more money than what has been agreed. The excessive calls and harrasment gets on my nerves because Im working and they keep calling day and night
02/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77489	Web
Theres a personal loan with Oportun reported on my credit with a poor payment history that does not belong to me. Account was opened in XX/XX/2019. Due to the person not making the payments this loan is now in my collections.
10/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 92394	Web
All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.
11/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32566	Web
This debt is not mine It is possibly due to identity theft. I did not apply or benefit from this loan. Reporting to my credit reports, attempted to dispute and they continue to verify it as mine although it is not.
03/28/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 90033	Web
they call me every day from a different number to collect there money, I explain my financial problems, try to fix a plan, but they do n't want to help me .. they treading me saying that they will put a XXXX on me.
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92064	Web
OPORTUN/PROGRESO FINANCIAL IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -no written instructions from consumer to furnish information
04/12/2023	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	CA 91706	Web
This account XXXX XXXX is fraudulent. Therefore it needs to be removed from all 3 credit bureaus. I also have 2 late payments that are reporting incorrectly. XXXX and Oportun progreso. They need ti be updates.
03/05/2022	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	NY 11510	Web
i received a letter in early XX/XX/2022 from both company oportun and XXXX stating that my application for a credit card was denied. I have never requested or made a credit card application to either company.
07/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 952XX	Web
Went through a divorce was left to pay all bills fell behind had to move some utility 's got cut off and could n't afford to finish paying loan only had enough for rent to make sure me and my kids had a roof.
01/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 840XX	Web
XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.
02/22/2017	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	TX 773XX	Web
Opened the loan on XX/XX/XXXX2016 and i been trying to pay the little i can when i can due to financial problems and they sent me a letter in the mail stating that they would soon be calling me to court
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33169	Web
XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.
12/27/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48127	Web
Oportun XXXX, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
07/20/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	UT 84041	Web
I do have a debt with the company, however, they call me 3 times a day, 7 days a week. There are a couple of days and times they have called 4 times, or hung up and immediately called right back
02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90250	Web
Hello! I have submitted disputes to each credit bureau for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX access I did not open these accounts and i just realized their on my report.
08/01/2022	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 33196	Web
OPORTUN/PROGRESO FINAN has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.
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	CA 94124	Web
I have 3 hard inquiries on my credit report for accounts that were never opened as a result of identity theft.The hard inquiries must be removed within 4 business days per as per USC 1681c-2
08/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	IL 60510	Web
This company ran my credit and redirected me to multiple sites having me re enter my information. Now my credit has been compromised and there are many accounts opened using my information.
10/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 90023	Web
In XXXX day within an hour of the first call they attempt to call again and I have record that it 's a total of XXXX calls in a day if not more and they call repeatedly that 's harassment.
12/27/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48127	Web
Oportun Visa, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 539XX	Web
My account is up too date, all payments have been made, and I have bank records too indicate as such. Missed payments on my credit report is unacceptable and will not be tolerated.
01/16/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77070	Web
Company is reporting past due payment and amount is higher than amount owe. and also reporting incorrect if account is a charge off why are they still reporting past due payment.
03/13/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	AE XXXXX	Web	Servicemember
Multiple calls morning from nights. When trying to arrange payments they deny the amount and want me to pay the exact amount. They told me borrow money from friends or family.
11/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
A loan was opened under my name with Oportun. I have contacted Oportun as well as the credit bureau XXXX to make them aware of the issue and the account has not been removed.
08/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92626	Web
This debt has been paid to XXXX balance and after 60 days the account is still open with all 3 credit bureaus. The company is reporting false information regarding the debt.
12/02/2022	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	IL 60649	Web
I sent the complaint and supporting documents to this CFPB via U.S. Post Office on XX/XX/2022. I have tracking information for that mail indicating it came to this office.
03/23/2016	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91803	Web
This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.
10/02/2022	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	NC 28658	Web	Servicemember
I gave some information to a website and they fished my info around without my consent I applied for a home loan and other loan companies ran my report without my consent
08/19/2023	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 Investigation took more than 30 days	CT 06082	Web	Servicemember
I disputed this account over a year ago and this was not investigated throughly. I was not late in this account and I paid this as agreed and this was never updated
08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95355	Web
Account Name : OPORTUN/PROGRESO FINAN Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
11/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Unable to get your credit report or credit score Other problem getting your report or credit score	AR 72761	Web
XXXX FAILED TO PULL XXXX AND NOW MY CREDIT FILES ARE BLOC KED. THEY HAVE BOTH COLUTED AS DECEPTIVE AND VIOLATED FCRA 15 U.S.C. SECTION 1681g DODD FRANK ACT ETC..
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95215	Web
I have filed disputes In regards to the INNACURATE items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60628	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
04/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 93036	Web
His always blowing up my cell phone if I do n't answers they call my work number or sometimes my reference and they send over employment verification as well.
07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	CA 92103	Web
There were false information about the process of the loan. First they said it will be a soft run on my credit to get pre approved and then it was a hard run
08/06/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00659	Web
opportune /progreso XXXX XX/XX/2021 {$1200.00} this account is fraud account the action was taking police department, and a federal trade commission report
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60409	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
05/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	NY 132XX	Web
Received a prequalified offer only to be denied by the company and have a credit inquiry charged against my score which O have been working on improving!
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91605	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60432	Web
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
09/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92553	Web
I have sent letters out multiple times and nothing has been done to address my issues. I have not received any correspondence from the bureaus.
11/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91402	Web
I applied for a car and I was told by the person I was in collections. For {$1400.00}. Ive recently been released from prison after 10 years.
07/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78201	Web
I have sent cease and desist letters to the loans and they continue to harass my family, friends and myself. I receive SS and have no assets.
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 92701	Web
Oportun/Progreso Financial -incomplete two year payment history with all 2 credit buraus - date last active is incorrect with XXXX and XXXX
02/13/2022	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	TX 76110	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX THIS COMPANY OBTAINED MY SOCIAL SECURITY NUMBER WITHOUT MY PERMISSION
04/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75211	Web
I have been making smaller payments online but they are now calling my ex boyfriend and other people sharing my account information.
03/25/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Report provided to employer without your written authorization	CA 92886	Web
Someone stole my identity and applied personal loan by lender called 'Oportun ' And they loaned {$3000.00}. I don't recognize this.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91352	Web
I called XXXX today because this account its showing wrong informacion, I need this account tho be deleted from my credit report.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
I did not try to receive any credit card or do any increase. Nothing to do with XXXX XXXX, please fix this inquiry on my Report!
10/02/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	IL 60707	Web
There was a loan applied to my account that u did not do nor did I receive it and it is making a difference in my credit score
05/22/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33189	Web	Older American, Servicemember
This people called consecutively XXXX times a day, XXXX days a week, with XXXX regardless of the time or day or night.
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33325	Web
The following companies are reporting information from accounts i didnt open. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10029	Web
Closed account inaccurately reported multiple times on my credit report which violates my consumer rights
11/08/2023	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 77081	Web
The Oportun Pathward company approved a loan for {$5100.00} that I did not request illegally.
12/23/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77433	Web
This company has produced a loan account on my credit file that I did not sign or authorize
03/05/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VT 050XX	Web
Was pre-approved for opertune for personal loan but I was denied credit on XXXX XXXX 2021
09/08/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89104	Web
I DONT REEMBER THIS COMPANY AT ALL ITS HURTING MY CREDIT SORCE BAD DATE OPEN XXXX XXXX
09/14/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NJ 08701	Web
Won't stop calling and calls are from 4 or 5 different numbers back to back all day.
03/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10977	Web
Oportun XXXX Account not mine Victim of fraud Please take off my credit report
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90242	Web
OPORTUN INC./PROGRESO FI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89122	Web
XX/XX/22 RE : XXXXXXXX OPORTUNPROG, XXXX we have disputed this account.
11/29/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	IL 60620	Web
The account is paid off and closed, I want this off my credit report.
05/02/2023	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 35022	Web
I have taken action to get inquiries remove that I am not aware of.
12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77433	Web
validate the amount and the dates of debt, I do not own this debt
11/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77506	Web
They are targeting my XXXX old child for preapproved loans.
02/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94544	Web	Servicemember
Credit inquiry on credit reports that I do not recognize.
02/11/2023	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 77584	Web
I did not authorized this inquiry from this company.
11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90029	Web
I have no knowledge of this account or inquiry
02/01/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web

02/01/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	MN 55412	Web

02/01/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91730	Web

01/31/2024	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 77459	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NV 89101	Web

01/24/2024	Yes	Checking or savings account Other banking product or service	Problem with fraud alerts or security freezes	TX 77089	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33896	Web

01/23/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33157	Web

01/20/2024	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	AR 72756	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38116	Web

01/16/2024	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	GA 30132	Web

01/12/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	DC 20001	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92841	Web

01/06/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 93550	Web

01/06/2024	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 77459	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75093	Web

01/05/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Can't contact lender or servicer	MN 55412	Web

01/05/2024	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 33511	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85225	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	CA 92223	Web

01/04/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90047	Web

01/03/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 91792	Phone

12/30/2023	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	NJ 07110	Web

12/30/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48092	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33615	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94541	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 310XX	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10453	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10453	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30080	Web

12/22/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	PA 19144	Web

12/21/2023	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	NC 28314	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web

12/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90405	Web

12/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 33027	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29340	Web

12/15/2023	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 75001	Web

12/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76105	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95821	Web

12/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91767	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	AR 71854	Web

12/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91730	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33409	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 932XX	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NV 89101	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NY 10029	Web

12/01/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	AZ 85305	Web	Servicemember

11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34771	Web

11/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30045	Web

11/19/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92109	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33993	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35244	Web	Servicemember

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NV 89107	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33009	Web

11/07/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	GA 30518	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33610	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33033	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07646	Web

11/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	IL 60649	Phone

11/02/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Credit limit changed	TX 77099	Phone

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33032	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33615	Web

10/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91406	Web

10/25/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33020	Web

10/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	TX 77627	Web	Servicemember

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02889	Web

10/22/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	OH 43060	Web

10/22/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Problem with fraud alerts or security freezes	WA 98034	Web

10/19/2023	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	FL 33131	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web	Servicemember

10/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	NJ 07513	Phone	Older American, Servicemember

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07646	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93210	Web

10/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Received a loan you didn't apply for	CA 95758	Web

10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33415	Web

10/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 93309	Phone

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95210	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 338XX	Web

09/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	FL 32707	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07646	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77521	Web

09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10029	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36312	Web

09/01/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	NY 12410	Web

08/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60644	Web

08/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33437	Web

08/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60712	Web

08/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94607	Web

07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34240	Web

07/25/2023	No	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 48203	Web

07/25/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92658	Phone

07/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92113	Web

07/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92201	Web

07/13/2023	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 92127	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60431	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34120	Web

07/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 30309	Phone	Servicemember

07/05/2023	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	VA 23228	Web

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web

06/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60620	Web

06/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	SC 29456	Web

06/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NV 89104	Postal mail	Older American, Servicemember

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33578	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75211	Web

05/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 95811	Phone

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98502	Web

05/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33134	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92115	Web

05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32505	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07601	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07601	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60613	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76542	Web	Servicemember

05/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NJ 07208	Phone

04/30/2023	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 Was not notified of investigation status or results	CA 90027	Web

04/26/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NH 03766	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90028	Web

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33143	Web

04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web

04/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48529	Web

04/12/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	MI 48089	Web

04/10/2023	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	TN 38125	Web

04/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60174	Web

04/05/2023	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	VA 23228	Web

04/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 10451	Web

03/30/2023	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	CA 90011	Web

03/23/2023	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 08512	Web	Servicemember

03/10/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NJ 07093	Phone	Older American

02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23228	Web

02/15/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 95762	Phone	Older American, Servicemember

02/09/2023	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account information incorrect	CA 95811	Phone

02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07646	Web

01/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MI 48601	Web

01/23/2023	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	NM 87195	Web	Servicemember

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95210	Web

01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	CA 92250	Web

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32218	Web

12/20/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 48223	Web

12/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92201	Web

12/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	CA 91306	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60649	Postal mail

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33565	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94605	Web

11/16/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 90405	Phone

11/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 33597	Web

10/31/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NJ 07040	Web

10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84047	Web

10/25/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11203	Phone

10/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TX 77584	Web

10/14/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 95205	Phone

10/13/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92376	Web

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75041	Web

10/12/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32244	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28105	Web

10/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92704	Postal mail	Older American

09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90805	Web

09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72207	Web

09/20/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32808	Web

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32819	Web

09/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	FL 33437	Web

09/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	VA 22312	Web

09/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90248	Web

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33161	Web

08/18/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95112	Phone

08/18/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	OH 44691	Phone

08/17/2022	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	NJ 08105	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94579	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77868	Web

08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77099	Web

08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06105	Web

08/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90044	Web	Older American, Servicemember

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91344	Web

07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95202	Web

07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95202	Web

07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08026	Web

06/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19143	Web	Servicemember

06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12208	Web

06/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	IL 60471	Phone	Older American, Servicemember

06/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 90011	Web

06/05/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 78224	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07436	Web

05/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29541	Web

05/19/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	PA 16506	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 90221	Web

05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92324	Web

05/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89081	Web

05/13/2022	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	CA 94587	Phone

05/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55104	Phone

05/05/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92335	Web

05/05/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PA 19060	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93043	Web	Servicemember

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19143	Web	Servicemember

05/04/2022	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	CA 91304	Web

04/29/2022	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	TX 75243	Web

04/27/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	WI 53707	Referral

04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90063	Web

04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33172	Web

04/14/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 94132	Web

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12208	Web

04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93306	Web

04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91801	Web

04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	IL 60185	Web

04/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	NJ 07108	Web

04/01/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	KY 40207	Web

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web

03/29/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA 90028	Referral

03/27/2022	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	TN 37066	Web

03/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91977	Web

03/26/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 85021	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33172	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33170	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web

03/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	FL 33603	Web

03/19/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	FL 33603	Web

03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 94544	Web	Servicemember

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92591	Web

03/03/2022	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 33160	Web

02/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MS 38703	Phone

02/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	IL 60044	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33016	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33325	Web

02/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33603	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30052	Web

02/15/2022	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 Was not notified of investigation status or results	FL 33025	Web

02/15/2022	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 Was not notified of investigation status or results	FL 33135	Web

02/14/2022	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	CA 95605	Web

02/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AZ 85248	Phone

02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33065	Web

02/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 49509	Phone

02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33314	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33175	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33126	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33145	Web

02/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91337	Phone

02/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79701	Web

01/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33603	Web

01/27/2022	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	CA 94565	Web

01/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 95823	Web

01/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95602	Phone

01/17/2022	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	GA 30132	Web

01/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 12208	Web

01/10/2022	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	FL 33603	Web

01/07/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	AL 36609	Phone

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77073	Web

12/15/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 93722	Phone	Older American

12/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77091	Web

12/01/2021	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 93309	Web

11/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77406	Web

11/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90278	Web

11/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NH 03110	Web

11/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92708	Referral

11/15/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 95111	Web

11/13/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90250	Web

10/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11226	Phone

10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33161	Web

10/19/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 90403	Web

10/12/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web

09/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MN 55311	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MN 55311	Web

09/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AZ 85756	Web

09/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	VA 23022	Web

09/07/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93725	Web

09/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TN 37013	Web

09/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TN 37013	Web

08/29/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 94014	Referral

08/28/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	MN 55311	Web

08/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

08/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90027	Web

08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91401	Web

08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

08/05/2021	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	IL 60707	Web

08/05/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NV 89128	Phone

08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77036	Web

07/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77083	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92154	Web

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60622	Web

06/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 92507	Referral

06/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75051	Web

06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93543	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79907	Web

06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98387	Web

06/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	LA 71245	Phone

05/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33168	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	CA 95358	Web

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60104	Web

03/23/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92027	Web

03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92704	Web

03/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 91602	Web

03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34609	Web

02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92027	Web

01/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web

01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07652	Web

01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75243	Web

12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07652	Web

12/07/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 90201	Web

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85378	Web

11/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60629	Fax

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30329	Web

11/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information is missing that should be on the report	NY 10163	Phone	Older American

10/30/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94590	Phone

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60629	Fax

10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93550	Web

10/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92504	Phone

10/16/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 95337	Postal mail

10/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60618	Referral

09/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92804	Phone

09/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91360	Referral

08/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90025	Web

07/31/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 90002	Phone

07/28/2020	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		Phone

07/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 60639	Web

06/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60104	Phone

06/15/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91360	Referral

06/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90059	Phone

06/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 99336	Web

05/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91360	Referral

05/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33196	Web

05/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NV 89014	Web

04/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92335	Postal mail

04/17/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	CA 93550	Web

03/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90706	Web

03/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 93307	Web

02/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93309	Web	Older American

02/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33701	Web

02/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33126	Web

01/31/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY 10163	Phone

01/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90007	Web

01/15/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	FL 34786	Web

01/09/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan		Phone

12/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90801	Referral

12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33180	Web

11/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90706	Web

11/06/2019	Yes	Checking or savings account Other banking product or service	Improper use of your report Reporting company used your report improperly	CA 90262	Referral

10/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92656	Web

10/08/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NV 89103	Phone

10/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 14611	Phone

09/22/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	CA XXXXX	Web	Older American

09/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60164	Web

08/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60146	Web

08/22/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 90006	Phone

07/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 77011	Referral

06/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92407	Phone	Older American, Servicemember

06/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75115	Web

06/07/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect		Phone

05/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92802	Web

05/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92656	Web

05/06/2019	Yes	Payday loan, title loan, or personal loan Title loan	Credit monitoring or identity theft protection services Didn't receive services that were advertised	CA 91405	Web

05/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 94621	Referral

04/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 90304	Web

01/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	CA 90731	Phone

01/17/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 90027	Web

01/13/2019	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 95367	Web

12/21/2018	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 33161	Web

12/04/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77338	Phone	Older American

10/25/2018	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 90250	Web

10/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94545	Web

09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77073	Phone

08/01/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls		Referral

07/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75439	Referral

06/18/2018	Yes	Mortgage Other type of mortgage	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

06/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95815	Web

05/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60631	Phone

03/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60618	Web

03/22/2018	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 90706	Web

01/19/2018	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93638	Web

01/05/2018	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or misleading advertising or marketing	TX 76106	Web

01/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75025	Web

12/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91750	Web

12/21/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 92105	Web

10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	TX 77081	Web

10/02/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90027	Referral

09/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 90755	Web	Older American

07/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94566	Postal mail

06/20/2017	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92054	Web

03/21/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92880	Web

02/27/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	TX 75002	Fax

02/09/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95356	Web

10/14/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93257	Web

08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92503	Web

04/13/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	CA 92345	Phone

01/13/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 95012	Phone

12/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 95050	Postal mail	Older American

11/24/2015	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low		Postal mail

11/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91724	Web

11/04/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	CA 90005	Phone

10/20/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 95608	Web

09/02/2015	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	CA 93001	Postal mail	Older American

08/18/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91746	Phone

07/14/2015	Yes	Payday loan	Can't contact lender	TX 75007	Web

04/10/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 95110	Postal mail

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 93030	Web

12/30/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 91204	Web

12/16/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 93635	Web