| 07/25/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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NEW UPDATE NEW INFORMATION XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Opportunity Financial LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Notice Request for bookkeeping GAPP ( Generally Accepted Accounting Principles ) Notice to CEO, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.
I conditionally accept your offer upon bona fide claim through sufficient evidence by producing or providing or presenting material facts to prove your claim. Under penalty of perjury or in Good Faith, I am requesting your bookkeeping GAAP ( Generally Accepted Accounting Principles ) which Banks are required to adhere to so that I can verify and validate your claim. Failure to comply under law leads me to believe you may be committing Fraud and False Claim pursuant to 31 USC 3729 ( a ) ( 1 ) ( A ) ( B ) ( C ) ( D ) ( G ). Please note the attached statement or promissory note provided is not sufficient evidence to support your claim and you have violated my rights under Federal law.
I have the right to obtain Clear, Complete and Accurate information. I also have the right to ask questions and you have a duty to answer them.
XXXX. Is it true when a bank accepts bullion, coin, currency, checks, drafts, promissory notes, or any other similar instruments ( hereinafter instruments ) from consumers and deposits or records the instruments as assets? If you disagree, please produce, or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true it ( banks ) must record offsetting liabilities that match the assets that it accepted from consumers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true the liabilities represent the amounts that the bank owes the customers, funds accepted from customers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that most of the funds advanced to borrowers ( assets of the banks ) are created by the banks themselves and are not merely transferred from one set of depositors to another set of borrowers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Do you have express written consent to maintain my personal and private records or my financial information in your data base? If yes, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Are you participating in FRAUD, Extortion and Dishonor? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that I a man extended his credit to Bank and bank extended the credit back to I a man? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that lawful money only included gold, silver, and currency notes redeemable for gold or silver on demand? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that an exchanged of reciprocal credits involving money of account and not money of exchange ; and that no lawful money was or probably ever would be disbursed by either side in the covered transactions? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that the bank created funds for the consumers transaction account without the consumers permission, authorization, consent, or knowledge and delivered the credit on its own books representing those funds to the consumer, meanwhile alleging that the bank lent the consumer money? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that the banks create new money by depositing IOUs, Promissory notes, offset by bank liabilities called checking account balances? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that when the banks grants loans they create new money? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that the banks bookkeeping entries tend to prove that banks accept cash, checks, drafts, and promissory notes/credit agreements ( assets ) as money deposited to create credit or checkbook money that are bank liabilities, which shows that, absent any right of setoff, banks owe money to persons who deposit money and Cash ( money of exchange ) is money, and credit or promissory notes ( money of account ) become money when banks deposit promissory notes with the intent of treating them like deposits of cash? See, 12 U.S.C. Section 1813 ( l ) ( 1 ) - ( definition of deposit under Federal Deposit Insurance Act ). If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that the newly issued credit or money is similar or equivalent to a promissory note, which may be treated as a deposit of money when received by the lending bank? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that when banks make loans is to accept promissory notes in exchange for credits to the borrowers transaction accounts? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that a consumer credit application was converted into a loan? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
XXXX. Is it true that ( Bank name ) in fact never lent any of its own pre-existing money, credit, or assets as consideration to purchase the Note or credit agreement from I a man? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully.
Notice : Further attempts to collect on an account already agreed to setoff settled and close leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ).
Best regards, XXXX XXXX a man.
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| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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RE : Investigation Request to Delete Credit Account Ending XXXX To whom it may concern : This letter is being sent to you in response to dispute requests to Opportunity Financial for FCRA violations. This is not an admittance that I owe the stated debt amount nor agree with the Open Date but rather exercising my right to challenge questionable information found on my personal credit reports.
The Fair Credit Reporting Act ( FCRA ) is designed to protect the privacy of consumer report information and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible.
If a creditor reports information about consumers to a CRA, they have legal obligations under the
FCRAs Furnisher Rule. Responsibilities include : 1.
Furnishing information that is accurate and complete, and 2. Investigating consumer disputes about the accuracy of information creditors provide.
3. The Federal Trade Commission, the Consumer Financial Protection Bureau, and the federal banking agencies have each published a Furnisher Rule.
When creditors provide information to a CRA, they have obligations under the FCRA to ensure the accuracy of the information they furnish. As a rule, it is illegal to report information that they know or believe is inaccurate. They have " reasonable cause to believe '' that information is inaccurate if they have knowledge that would lead a reasonable person to doubt the accuracy of the information.
Guidelines for Policies and Procedures : 1. Creditors must establish and implement written policies and procedures regarding the accuracy and integrity of information they furnish to a CRA.
2. Their policies and procedures must establish internal controls for the accuracy and integrity of information. Information should be substantiated when it is furnished.
3. If a creditor furnishes information to a CRA on a regular basis and determine that any information they provided is inaccurate or incomplete, they must promptly notify the CRA and provide corrections or additions. They can only furnish the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) The FCRA requires that if they furnish any information to a CRA, they must include any of the following items that are applicable : If a CRA notifies the creditor that a consumer disputes information they provided, creditor must : 1. investigate the dispute and review all relevant information provided by the CRA about the dispute ; 2. report their findings to the CRA ; 3. provide corrected information to every CRA that received the information if their investigation shows the information is incomplete or inaccurate ; and 4. modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or can not be verified. FCRA 623 ( b ) ( 1 ) Creditors must investigate a consumers dispute if it relates to : 1. the terms of a credit account or other debt with the creditor.
2. the consumer 's performance or other conduct concerning an account or other relationship with the creditor or 3. any other information in a consumer report about an account or relationship with creditor that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) Creditor must : 1. conduct a reasonable investigation 2. review all relevant information provided by the consumer 3. notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ) In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.
1. Reporting false information to the credit bureaus has already resulted in defamation of my character and is negatively impacting my ability to get the best credit rates which I can prove in the court of law.
2. A legal complaint was filed by Opportunity Financial in XXXX and dismissed in XXXX since the current creditor can not validate the correct Loan Origination Date and Outstanding Balance of the said loan ; therefore, this account can not be legally verified and needs to be removed from my credit report. See attached documentation.
3. Opportunity Financial is reporting incorrectly and have been falsely verified by Opportunity Financial via CRA disputes. Reason for Dispute : Incorrect balances ( {$5000.00} ) and Original Open Date can not be verified due to variances in Loan Origination Dates : XX/XX/XXXX vs. XX/XX/XXXX ( See attached document with varying Loan Origination Dates ) 4. Leaving false information on my credit reports or parking an account is considered continued collection activity on an invalidated account and is an FCRA violation. Leaving or parking this false information on my credit reports is currently preventing me from getting the best rates on credit approvals.
5. As per an opinion letter published by the FTC, reporting the collection to the credit bureaus is considered continued collection activity. Opportunity Financial is continuing with violations of the FCRA for continuing to report invalidated and false debt information.
6. With the new FCRA rules for debt collections regarding email communications in XXXX, I am receiving excessive amounts of emails each week from XXXX XXXX ( debt collector on behalf of Opportunity Financial ) which is considered continued collection activity on an invalidated account. From what I understand, the same rules apply as phone calls. I am receiving more than XXXX email per week and some of them have been sent after XXXX EST. ( See attached documentation ) I have disputed this inaccurate account balance and inaccurate Open Date with the consumer reporting agencies ( XXXX, XXXX, and XXXX XXXX ) using a Fair Credit Reporting Act dispute ( FCRA ) and it has been updated as verified by Opportunity Financial.
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| 09/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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In XX/XX/XXXX, OppLoans agreed that I would repay {$2000.00} at 0 % interest with payments of {$80.00} per month. I established this arrangement via telephone, however, I now have a history documenting OppLoans refusal to put ANY communications in writing. Every time I request a written response from OppLoans, I receive an email stating : Thank you for contacting OppLoans. We appreciate your business. Please call us at ( XXXX ) XXXX to discuss your account options in greater detail. I always respond back that I will only communicate in writing and never receive any response. I have never received any mailings from OppLoans concerning my account.
OppLoans has now FRAUDULENTLY reported my account as Charged Off to the credit bureaus devastating my credit score. I have a child to send to college and this is negatively impacting my ability to apply for financial aid for him.
I abided by ALL agreements and NEVER strayed. OppLoans has REPEATEDLY NOT abided by what was agreed to.
I will break it down very simply.
XX/XX/XXXX : Balance Due of {$2000.00} ; established monthly payments of {$80.00}.
XX/XX/XXXX : {$80.00} due XX/XX/XXXX : Paid {$99.00} more than satisfying {$80.00} due ; paid an excess of {$19.00} applied to XX/XX/XXXX payment.
XX/XX/XXXX : {$80.00} due XX/XX/XXXX: Paid {$19.00} ; XX/XX/XXXX : Paid {$99.00} when only {$60.00} remained due on XX/XX/XXXX {$80.00} payment ; excess of {$39.00} applied to XX/XX/XXXX payment.
XX/XX/XXXX : {$80.00} due XX/XX/XXXX : Paid {$39.00} XX/XX/XXXX : Paid {$25.00} XX/XX/XXXX : Paid {$75.00} when only {$15.00} remained due on XXXX payment ; excess of {$59.00} applied toXX/XX/XXXX payment XX/XX/XXXX : {$80.00} due XX/XX/XXXX : Paid {$89.00} ; excess of {$9.00} applied to XX/XX/XXXX payment XX/XX/XXXX : {$80.00} due XX/XX/XXXX: Paid {$9.00} XX/XX/XXXX : Paid {$99.00} when only {$70.00} remained due on XX/XX/XXXX payment ; excess of {$28.00} applied to XX/XX/XXXX payment.
XX/XX/XXXX : XX/XX/XXXX : Paid {$99.00} when only {$80.00} was due ; excess of {$19.00} applied to XX/XX/XXXX payment ( see explanation below ) I communicated all of this with OppLoans in writing and received no written statement that my calculations were incorrect or payment schedule was not up to date.
In the midst of this, the government shutdown happened in XX/XX/XXXX/XX/XX/XXXX. I communicated with OppLoans via telephone as that is the only way they will communicate and they agreed to defer two payments. So, I now had additional relief. XX/XX/XXXX and XX/XX/XXXX were deferred per OppLoans telephone representative.
XX/XX/XXXX : {$0.00} due Due to government shutdown ; OppLoans deferred this payment. Confirmed with me via telephone.
XX/XX/XXXX : {$0.00} due Due to government shutdown ; OppLoans deferred this payment. Confirmed with me via telephone.
XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$19.00} paid XX/XX/XXXX : {$100.00} paid when only {$61.00} was due ; excess of {$39.00} applied to XX/XX/XXXXpayment.
XX/XX/XXXX : {$80.00} due XX/XX/XXXX: {$39.00} paid XX/XX/XXXX : {$50.00} paid when only {$41.00} was due ; excess of {$9.00} applied to XX/XX/XXXX payment XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$9.00} paid XX/XX/XXXX : {$50.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$30.00} paidXX/XX/XXXX : {$30.00} paid XX/XX/XXXX : {$30.00} paid when only {$10.00} remained ; excess of {$20.00} applied to XX/XX/XXXX payment XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$20.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX : {$20.00} paid XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX: {$5.00} paid XX/XX/XXXX : {$5.00} paid From XX/XX/XXXX XX/XX/XXXX, I had 12 payments of {$80.00} each due. I owed {$960.00} yet paid {$990.00}. I paid an excess of {$33.00}. I only owed {$46.00} for XX/XX/XXXX.
I contacted OppLoans repeatedly about false reporting as my online account kept saying Past Due but then showed {$80.00} due XX/XX/XXXX. It was contradictory so I reached out. I contacted them on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXNO RESPONSE.
On XX/XX/XXXX, I logged on to make my XX/XX/XXXX payment. I could not access my account. AGAIN, I WAS completely UP TO DATE in all payments. I could not access my account. I emailed OppLoansNO RESPONSE!! NO EXPLANATION. I mailed my payment.
For my routine credit report check I conducted this morning, I was sickened to see OppLoans reported me in XX/XX/XXXX as a PAST DUE/CHARGED OFF account!!!!! This is FRAUD!!!!! I was NEVER PAST DUE!!!! OppLoans NEVER communicated we me before doing this. I reached out REPEATEDLY!!!
This is DISGUSTING and is doing TREMENDOUS DAMAGE to my credit.
I demand OppLoans correct this reporting and reestablish a repayment schedule with me for my remaining amount due.
I have a child going to college. I need to be able to apply for financial aid and now have a SERIOUS DERAGATROY BLEMISH due to NO FAULT OF MY OWN!!!!! This is FRAUD!!!!!
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| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX OPPORTUNITY FINA/XXXX XXXX XXXX XXXX : Soft Inquiry Reported without verbal or written consent to a third-party organization.
Credit Reported Address : XXXX Opportunity- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX and XXXX XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX.
Subject : Adverse Action Notice - Request for Remedy Under ECOA, FCRA, and Social Security Act I am writing to address the recent unauthorized inquiry on my credit report, as indicated in the adverse action notice dated XX/XX/23 and XX/XX/23 ( inquiry date ). I am deeply concerned about potential violations of the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and the unauthorized use of my Social Security information, which may implicate provisions of the Social Security Act.
Under the ECOA, discrimination in credit decisions based on certain factors is strictly prohibited. Furthermore, in accordance with 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined not more than {$5000.00} or imprisoned not more than XXXX year or both.
XXXX OPPORTUNITY FINAXXXX XXXX XXXX willfully and knowingly processed a credit inquiry on my credit profile without my direct written or verbal consent. I did not personally apply for credit with this company, nor do I have a current or past business relationship with them or their subsidiaries.
The Credit Reporting Agency that reflected these inquires were XXXX I am particularly concerned about potential unauthorized credit pulls and false or misleading advertisements, which may implicate the Social Security Act. If my Social Security information was used without my permission or if false advertising practices were involved, I want to bring to your attention that this could be in violation of the Social Security Act.
Considering the gravity of these potential violations, I am seeking a thorough investigation into the circumstances surrounding the unauthorized use of my Social Security information. If evidence of discrimination, unauthorized credit pulls, or false advertising is found, I expect appropriate action to be taken to rectify the situation and uphold fair lending practices.
Please provide me with the necessary information to initiate this process and keep me informed of the steps taken to address my concerns. You may reach me the contact information provided to discuss this matter further.
Violations-Obtaining my credit without my verbal or written consent. A creditor shall not make any oral or written statement, in advertising or otherwise, to applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application. Resulted in a soft inquiry on my credit report ) I XXXX XXXX am seeking remedy for $ XXXX for this violation.
Violation-Solicitation to a XXXX party organization ( XXXX ) without verbal or written consent is prohibited regarding ANY aspect of a credit transaction. I XXXX XXXX am seeking remedy for $ XXXX for this violation.
Violation-Credit Inquiry reflected on my credit report as evidence of securities being received to XXXX OPPORTUNITY FINA/CXXXX XXXX XXXX on my behalf. I would like ALL inquires to be REMOVED from ALL credit reporting agencies listed with CFPB to be notified to remove and restore positivity to my credit profile. I XXXX XXXX and seeking remedy $ XXXX for this violation.
Sincerely, XXXX XXXX
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| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ' With that being said, I am the Consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of each customer, given them the assurance of knowing that their personal information is securely protected and confidential concealed. It is my right to make sure that my private information has not been exposed and I am sure that 15 USC 6801 is backing me when it comes to making sure my personal is not vulnerable to the public. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. ( Furnisher of information to credit agencies ) 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), an consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencie XXXX and XXXX do not have my consent to furnish this information and they surey do have my consent in writing. ( Furnisher of information to credit agencies ) Any and all consent to XXXX, XXXX ( Furnisher of Information to credit agencies ) whether it be verbal, no-verbal, written or otherwise is to be revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public information to a non-affiliated third party unless the consumer has provided an explanation of how the consumer can exercise the non-disclosure option. '' ( Furnisher of information to credit agencies ) has never informed me in regard to my right to exercise my non-disclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the reords of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reported again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures that are designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' The credit reports, XXXX and XXXX, have the incorrect name. It is questioned whose information is reported on my report?
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| 01/15/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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OPPOTUNITY FINANCIAL LLC have violated my consumer rights as a natural person Pursuant, but not limited to, the Fair Credit Reporting Act at [ 15 USC 1681 et seq. ] and the Fair Debt Collection Practices Act at [ 15 USC 1692 et seq. ], and the applicable portions of Truth in Lending ( Regulation -- - Z ), at 12 CFR part 226 et seq., Debt Collector ( XXXX ) are to complete and return this Debt Collection Disclosure Statement '', hereinafter " Statement, '' with all required documentary and evidentiary proofs stipulated herein, in conjunction with the attached and incorporated herein " Offer to Perform Upon Validation of Debt '' within twenty-one ( 21 ) days of receipt by Debt Collector. OPPORTUITY FINANCIAL LLXXXX and its Agent XXXX XXXX have commiited FRAUD providing False, deceptive forms or statement and misleading representaion pursuant to 15 USC 1692e.
As a Federally protected consumer I have the right to request Documentary Evidence to validate and verify ANY and ALL claims against I, the consumer regarding ANY alleged debt by ANY Corporation and I, the consumer have the right to claim ANY injuries or damages as a result pursuant to 15 USC 1692k- Civil Liability and Criminal liability for willful and knowing violation pursuant to 15 USC 1611.
OPPORTUITY FINANCIAL LLC and its Agent XXXX XXXX also failed to provide answers to questions asked in previous cease and desist letter. OPPORTUITY FINANCIAL LLC and its Agent XXXX XXXX will be held liable for unfair practices and Noncompliance pursuant to Federal and state laws.
I hereby give you twenty- one ( 21 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me XXXX XXXX XXXX XXXX all of the replies and details given to the above requests ( XXXX and XXXX of alleged debt ) are true and without deception, fraud or mischief.
Your said failure to provide the aforementioned documentation within tweenty-one ( XXXX ) days, from the above date, to validate and verify the debt, will constitute your agreement to the following terms ; That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.
You agree to pay all fee schedules.
NOTICE : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' pursuant to 15 USC 1692d and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of XXXX Act 1970 S.40, which makes it a Criminal Offence for a debt collector or a debt XXXX agent to make demands ( for money ), which are aimed at causing XXXX, XXXX or XXXX XXXX, because of their frequency or manner.
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| 12/12/2015 |
No |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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My employer made a huge error with my paycheck and I needed funding to assist in a move to a condo. I applied for a loan with Opportunity Financial. Within minutes of completing the process that evening, I began to receive MULTIPLE phone calls from their offices, including into the next day while I was at work, teaching. This was very disruptive and during lunch, I called them and explained that the repetitive calls were unnecessary. As I did not yet have a paycheck stub to send, they closed out my loan application indicating that I could reapply at a later date. The next day, I received an email stating that my loan could not be approved due to 'adverse action ' ( I was told that my paperwork had been closed and not processed due to lack of employment documentation ).
Once I received my paycheck stubs, I re-applied, attaching my payroll information. Again, the incessant phone calls began. I spoke with someone the next morning, inquiring about the reason for the XXXX phone calls that morning, the XXXX texts that morning, and the XXXX emails, all within a XXXX HOUR WINDOW. They indicated that they had approved my loan ; however, I informed the gentleman that I was speaking with that I had received an email stating that my loan had been denied. He said, " No, ma'am, I just got done speaking with the underwriters, everything is approved, I 'm looking at the paperwork right here! All you have to do is sign the paperwork and you 'll be all set, you 'll have access to the funds! '' I attempted to use the link to sign the paperwork and access the funds but could not. I then received ANOTHER email of denial ( by now, I am pretty confused ), stating that my loan could not be approved. I phoned the company who now tells me that the reason it could not be approved was because I needed a month 's worth of paycheck stubs. The first time it was denied was due to my credit report and the second time, it did not indicate the reason.
I 'm not sure what this financial lending institution 's goal is : they are DESPERATE for customers it appears based on the insane amount of contact they make BEFORE XXXX even obtains a loan, but they are also very unorganized and unprofessional with regards to follow-up, documentation and correct information. It almost seems like they might get paid for processing applications but decline as many as possible to keep as much money as possible.
The fact that I did not eventually receive the loan is of no consequence as my employer did correct the payroll issue and my financial standing will continue to improve. I am not bitter towards this company BECAUSE my loan was not approved. I am irritated ; however, that based on the confirmation of receipt of the loan that I obtained from the gentleman, I made arrangements to take a condo. Their business practices leave MUCH to be desired and are deplorable. Something just does not feel right about the manner in which they operate ... ...
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| 06/08/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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 Subject : Debt Validation and Request for Pay-to-Delete Agreement Dear Sir/Madam, Re : Account : XXXX/Opploans, XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing in response to the recent communication I received from your collection agency regarding an alleged debt associated with the above-mentioned account. This letter serves as a formal request for debt validation as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.
I hereby request that you provide me with the following information to validate the debt : 1. A complete breakdown of the debt, including the original amount claimed, any accrued interest or additional charges, and a detailed account history.
2. Verification that your collection agency is authorized to collect this alleged debt and has obtained all necessary licenses and permissions in accordance with local and federal laws.
3. Proof of my consent and agreement to the terms and conditions related to this debt, which should include a copy of the original signed agreement between myself and the original creditor.
It is crucial that you provide me with a copy of the original signed agreement that demonstrates my acknowledgment and acceptance of the terms and conditions associated with this alleged debt. Without this documentation, I am unable to verify the validity of the debt and address it appropriately.
In addition to the debt validation request, I also wish to explore the possibility of reaching a mutually agreeable resolution regarding this matter. If the alleged debt is indeed valid, I am willing to discuss a potential pay-to-delete agreement, whereby I would make a payment in exchange for the complete removal of any negative information associated with this debt from my credit reports. This arrangement would allow both parties to resolve the matter amicably and ensure that my credit history remains untarnished.
I kindly request that you respond to this letter within 30 days of your receipt. Failure to provide the requested documentation or respond within the specified timeframe will result in the presumption that the debt is invalid and must be removed from my records. Please note that any further attempts to collect the debt without providing proper validation will be considered a violation of the FDCPA.
I prefer to communicate in writing to maintain an accurate record of all correspondences. Therefore, I request that you refrain from contacting me via telephone or any other means, except in writing, until the debt validation process is complete.
Thank you for your attention to this matter. I anticipate your prompt response and the provision of the requested documentation.
Sincerely, [ XXXX XXXX ]
|
| 06/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX I wanted to make a complaint on opportunity financial because they have reported in accurate information on my account purposely.
I disputed the information on my account and asked for validation of the account.
The information opportunity financial sent back shows that being deceptive in credit reporting is a normal everyday business accurance for them.
I have attached where they have mentioned several amounts that I owe from their own validation paperwork they sent me.
In there paperwork it says on XX/XX/2019 I had a credit limit of {$1500.00}.
It said that on this date I was charged {$190.00} in fees and that I used {$120.00} of this credit limit.
It goes on to say on XX/XX/2019 I was charged {$170.00} in fees for the exact same principle amount that was used on XX/XX/2019.
This brought the total they say I owe to {$310.00} and {$290.00} on these two occasions and the total is {$610.00} for the month of XXXX in XXXX.
The credit limit was {$1500.00} and the amount used is {$610.00} so that means that there is an un used credit balance of {$880.00} left in credit.
Opprotunity Financial also stated in there paperwork that is attached on this complaint and labeled opportunity loan created amount.
They are saying that payments were made on the principal balance but they have not shown what the balance was after payment. They also have not shown what amount was paid.
Was the total amount paid and they are trying to run a collections scam?
Then on XX/XX/2019 they stated the account was charged off and the amount owed was {$2100.00} They are running an illegal collection scam here according to consumer laws.
The credit limit was {$1500.00}, {$610.00} was spent according to them. Then a balance above the so called signed for credit limit was created for {$1800.00} then it ballooned to {$2100.00}.
Also according to the opportunity loan from credit report attachment the balance owed is {$1800.00} and the credit limit is {$1500.00} and the high balance is {$1800.00}.
Opportunity financial has clearly run a collections scam and are seeking to defraud me of my money that I go to work for everyday.
Opportunity financial has had several chances to correct this information but instead has doubled down on being deceptive and being a bully.
This behavior has caused so much hardship and financial pain that I want this debt deleted immediately and {$2000.00} paid out to me for the hardship I went through.
I am also upset that the credit bureaus have reported this on my credit while saying they verified this information and kept reporting the blatant incorrect information.
I think the credit bureau has something involved in this because this is upsurb to think the bureau had a hand in this deceptive behavior.
they also have no signature of this debt, but so conveinently said they have a digital signature.
|
| 12/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had first taken out my loan with Opportunity Finance ( or XXXX ) in XXXX XXXX. I made all my payments, and received credit line increases. My income at the time my loan was approved was {$70000.00} annually.
In XXXX of XXXX, I became unemployed for 3 weeks. I was able to get temporary work ( temp job ) through a staffing agency. My income was then $ XXXX/hr.
I notified Opportunity Finance that I was unemployed, and they 'suspended ' my account for 1 month while I tried to get employment.
After the 1 month, and my account was active again ; I told them my new salary, that I could n't afford the normal payments. They accepted what I could afford at the time, which was {$25.00}.
They continued to work with me, allowing me to make bi weekly payments of {$25.00} while I was working the temp jobs. They did this for approximately 5 months.
In XXXX of XXXX, they told me I could no longer make {$25.00} payments, that I had to pay more. They gave me no reason for this. They said the minimum payment that I could do was bi weekly payments of {$79.00}. I told them I could not afford that, they told me to bad, but they would accept bi weekly payments of {$61.00}. I still could not afford these, but I tried.
In XXXX of XXXX I became unemployed again. When I notified them, they 'suspended ' my account for one month again. I was able to get another temp job at the end of XXXX XXXX.
In XXXX of XXXX, my account became active again. I called to set up payments I could afford, which was bi-weekly of {$25.00}. They told me they could n't accept that, the minimum was {$61.00} bi-weekly. I told them I could n't afford it, they said there was nothing they could do. So I did make a couple payments in XXXX and XXXX, but I could n't make anymore.
At this time I asked them if my loan matured, and they said yes ( no longer accruing interest ). I asked them the balance, and they told me just over {$2400.00}. I asked that all payments being made are reducing the principal balance, and they said yes. They said as long as I made payments, no interest would accrue. This did n't make sense to me, because I was under the impression it had matured.
Anyway, I could n't make any payments at the end of XXXX, beginning of XXXX. In XXXX, I received a threatening email saying it was the last time they would try contacting me ( they never contacted me before this ), and that if I did n't make a payment, they would take me to court.
I could n't afford it, but I ca n't afford being sued either. So I set up a {$61.00} payment for today, XXXX XXXX XXXX. I told them that my current temp job is ending today as well, can they 'suspend ' my account for one month while I look for employment. They said no. The collection manager 's name is XXXX, he said he could n't help me.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX Acc # XXXX, OppLoansXXXX Acc # XXXX, and XXXX XXXX XXXX XXXX Acc # XXXX All furnished known false information to my consumer report therefore violating consumer law.
Today I am writing to dispute the verification of these accounts that has been reported by these unkown Creditors. I have reviewed my credit report, and noticed this Creditors has verified the accounts as ( accurate ). However, just for starters the supposed date the accounts were opened are incorrect and also the last date reported is not accurate which are in fact grounds for removal. The fair credit reporting act states everything on my report has to be a hundred percent factual otherwise you are in violation of 15 U.S.C 1681 which promotes accuracy, fairness, and privacy.
I would like to bring to your attention that I have never had any dealings or financial transactions with these Creditors and therefore I strongly question the accuracy and legitimacy of their claim. It is crucial that you assist me in rectifying this issue by conducting a complete and comprehensive investigation into the disputed account.
Furthermore, as a consumer, I am entitled to receive proper validation and verification of any debt claimed against me, as mandated by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Therefore, I kindly request that you provide me with the following information : Verification and validation of the debt claimed by this Creditor.
Documentation proving that I have entered into a contractual agreement with the Creditor for the alleged debt.
Copies of statements or other records demonstrating my liability for the disputed account.
Details of any correspondence or notifications sent to me regarding this account.
It is important to note that if the Creditor fails to provide the necessary documentation as outlined above, it raises doubts about the accuracy and legitimacy of their claim and proves the said transaction not to be valid. In such a case, I request that you remove the disputed account from my credit report immediately, I haven't contracted with this company in the past and I don't wish to do so in the near future.
I would also like to remind you that according to the FCRA, you have a ( legal obligation ) to conduct a reasonable investigation into any dispute raised by a consumer. I expect you to adhere to these guidelines and provide me with a prompt resolution to this matter.
Please acknowledge receipt of this dispute letter and inform me of the actions you will be taking to investigate and resolve the dispute. I appreciate your attention to this matter and look forward to a timely resolution.
Thank you for your assistance.
|
| 12/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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|
I recently received a promotional offer ( see attachments ) from OPP Loans to apply for a loan. According to the offer, I'd already received a " pre-approved '' status for a potential loan of {$500.00} - {$4000.00}. On XX/XX/2019, I went online to apply for a loan. After submitting my application, I received results showing that I qualified for a loan of {$2000.00} ( according to the loan term agreement ).
During the loan process, I provided income information ( a copy of my most recent pay stub ), confirmed my credit union information via my online account, and signed a loan term agreement for a {$2000.00} loan. I also included child support as part of my income, but the application never requested proof of other income nor did they reach out to me for that information. I actually signed a loan term agreement at least twice due to a change of terms in the agreement ( appeared the initial payment date was updated since the first agreement was already showing a payment was due on XX/XX/19 ).
On XX/XX/2019, I decided to reach out to the loan company around noon to see what was going on with the process and I was advised by a rep ( a male ) that my loan was under review and that I should hear something back by XXXX XXXX CST. However, I received an email just before XXXX XXXX CST stating my loan was denied. I was confused because I thought when I signed the loan term agreement showing the loan amount, that meant my loan was already approved. I contacted a rep ( a female ) with the company and she advised she wasn't able to provide why my loan was denied and that I would have to submit a request for that information. I told her how misleading the process was and she just kept apologizing and saying how she understood my frustration. I also received a denial email ( see attachments ).
In summary, I applied for a loan based on the promotional offer that I received in the mail, but I was denied only after my personal financial information was already submitted and a loan term agreement / contract was signed. My question is why would I need to sign a loan term agreement and confirm my banking information if I wasn't approved for the loan? I feel as if this company 's loan process is very misleading. They shouldn't have provided a loan term agreement / contract for a loan that doesn't exist. How do I know they won't still try to deduct money from my bank account based on the signed loan term agreement? If you notice on one of the emails attached, they stated they would need this information " before funding your account '' ; indicating my loan had been approved.
|
| 09/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had a loan with this company for about {$2000.00} now i went on short term with my job and didn't get paid called the company explained why i couldn't make payment. The young lady stated there was nothing i could do if i couldn't make payment. Months later i called back when i was able to make and set up forms of payment they stated if i couldn't make full amount of payment they couldn't except payment at all. i then stated i cant pay full amount but partial. Now they told me they sent account to attorney and then the sheriff came to my house serve me with someone else information and had a sticker on back pages with my information. I then showed up to court the attorney tried to attempt to make me give her the paper because they realize they serve wrong person than she stated if i disputed and wanted to see a judge the would charge me additional fees and they still charged me serving fee but truly was serving someone else, so not only do i have some one else info they want me to pay those fees and not dispute them to resubmit my actual information, the lawyer called her office hand wrote everything and ask could she email me because i didn't have my original loan documents she then stated i now owe about 4500 dollars. i then tried to work with her and explained after trying to catch up with everything from not getting paid i can pay XXXX dollars a month no more than XXXX a month, she stated i would need to pay amount below, i also added her information and what she stated. I really dont know what to do but i have arrangements with other companies after they knowingly understood my dilemma. Im upset that i have to pay all the fees and loan with no arrangement and still be a single mom and live. Now they are emailing and calling me saying they will garnish my bank account for 20 years and my check and so on. Im very afraid and dont want to be homeless or behind over 4500 dollars.
Good afternoon XXXX, Unfortunately, that payment arrangement is too low. I can only set up a payment arrangement for 12 months at $ XXXX/month. In the alternative if youd like to offer a lump sum settlement for less than the full amount owed to be paid in 30 days, youre welcome to do that and I will bring it back to my client for consideration.
Thanks, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX. ( XXXX ) XXXX Fax. ( XXXX ) XXXX Email mailto : XXXX XXXX
|
| 06/08/2023 |
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
|
|
Web |
|
|
I'm submitting this complaint against OppLoans and XXXX XXXX for practices that I believe infringe upon the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As per my agreement with OppLoans, all disputes concerning my account were to be settled through arbitration. However, without my consent or any arbitration proceedings, OppLoans transferred my loan to a collection agency, XXXX XXXX. In their response, they confessed that they no longer own the debt ; it was now held by a collection agency. I argue that this act is a breach of contract and infringes upon my rights as a consumer. Upon becoming aware of this issue, I reached out to OppLoans and expressed my readiness to repay the debt directly to them. Despite my readiness to settle the debt, OppLoans declined to retrieve the debt, which I believe was transferred unlawfully. Moreover, in the process of this transaction, OppLoans revealed my personal information to XXXX XXXX without my consent. I maintain this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which limits the distribution of consumer data without a legitimate business requirement. After acquiring my loan, XXXX XXXX has resorted to harassment to recover the purported debt. They have phoned me multiple times during my work hours and even reached out to my workplace directly. They also threatened to report the debt to credit bureaus if I didn't comply. To avoid further harassment and potential damage to my credit report, I felt compelled to pay XXXX XXXX. I posit that these actions contravene FDCPA Section 806 ( 5 ), which forbids causing a telephone to ring or engaging any person in telephone conversation repeatedly or incessantly with the intent to annoy, abuse, or harass any person at the dialed number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer concerning the collection of any debt at the consumer 's workplace ; and FDCPA Section 807 ( 5 ), which forbids the threat to carry out any action that can not legally be executed or that is not planned to be executed. In light of these concerns, I request the CFPB to probe into these issues and take suitable action to safeguard my consumer rights. I also urge that OppLoans expunge this account from my credit report immediately, as I believe it was unjustly sold and reported to the collection agency.
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Notice to agent is notice to principal, notice to principal is notice to agent I have been deceived and misled about the use of my credit they have misinformed me and after checking the fictitious contract they created I have spotted and seen that it states very clearly that the security originally is more as the car has been paid in full the moment I gave them access to my credit to my credit 15 usc 1602 ( I ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave them my credit card and it entered me into a consumer credit transaction and that created a finance charge in pursuant to 15 usc 1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.
In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report.
In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with XXXX, XXXX XXXX and Opportunity Financial be deleted from my consumer report XXXX XXXX, Beneficiary ALL RIGHTS RESERVED
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.
According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).
Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.
I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 08/29/2023 |
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
|
|
Web |
Servicemember |
|
To Whom It May Concern : This letter is to inform you that the above referenced account ( XXXX being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : ( Delete this and insert detailed info about what is being disputed here Read Requirements of the consumer in a FCRA 623 dispute. Writing See Attached is not advised unless your attachment is fully explained here and then you write see attached for further details. ) If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your 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 your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.
|
| 01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. XXXX is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to XXXX, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against XXXX and against XXXX XXXX. I have also filed a CFPB complaint against XXXX. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my XXXX report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to XXXX that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my XXXX credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.
|
| 05/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I obtained a small personal loan through Opp Loans online, and the process was questionable. They required the log in information for my bank, and after the loan was " approved '' and I changed my password, they required additional information, which included access to my bank accounts again.
After making about 10 payments or so, I had some financial difficulty around XX/XX/2020, as many others. I emailed and called, spoke to " XXXX '' and she said she would waive interest and any fees, and push my next payment out to XX/XX/2020 with their " Borrower Assistance Program ''.
On XX/XX/2020, I used online bill pay through my bank to send a check to Opp Loans for {$300.00}, more than 2x the amount of my previously scheduled payments. I did this early so they would receive it before XX/XX/XXXX. They never posted the payment to my account. It was received by them ( and stamped ) on XX/XX/2020, and cashed/cleared my account XX/XX/2020. I have emailed many times, and called, and they insist that I never paid. In addition, they charged interest an additional fees to my account, going against the arrangements made under their " Borrower Assistance Program ''.
Today is XX/XX/2020. When I called Opp Loans and spoke to one of their reps, he claimed that he did not receive my email which had 2 screenshots showing the {$300.00} was taken from my account, and claimed that the payment was never received. When I told him I would go to the police department to file a report for fraud, he got angry, kept cutting me off while I spoke, and yelled that he could transfer me to the payments department. Someone at Opp Loans has my payment. They already ripped me off with a 160 % APR, so I am repaying almost double the loan amount. Even when I provided the reference # and check # from the bank, they ignored my emails. Two hours after mentioning that I would file a police report, Opp Loans reported false information to XXXX about my current balance in retaliation.
|
| 07/30/2023 |
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
|
|
Web |
|
|
1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt.
so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges.
on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services.
the debt that is on my credit report does not have a signature associated with this debt as well.
even with no signature and the debt blatantly addidng extra charges and fees the credit bureau XXXX and XXXX still reported this on my credit report.
how can they have investigated this debt to be true without a signature or original amount.
XXXX and XXXX has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from opprotunity financial for being able to report it.
these three companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these three are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own platform.
|
| 09/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
I took out a series of high-interest internet loans with OppLoans, assuming since I was able to get them they were legal. I recently discovered that the loans are not legal in my state per the Virginia Fairness in Lending Act of XX/XX/2020. This loan violates the law due to : - a lack of company licensing in Virginia ( neither they nor their stated access partner, XXXX XXXX XXXX, is licensed )- an excessive loan amount ( XXXX XXXXXXXX the maximum allowed per law is {$2500.00} ) - excessive interest rate ( 160.87 % ; maximum allowed by law is 36 % ) The Fairness in Lending Act also states that any loan made in violation of the law is void. " Any loan made in violation of this section is void, and no person shall have the right to collect, receive, or retain any principal, interest, fees, or other charges in connection with the loan. '' I want the loans removed from my credit history since they were illegal. https : XXXX? XXXX XXXX : I took out a loan XX/XX/XXXX under the terms above.
I took out another loan to pay that one off XX/XX/XXXX, also under the same terms.
More loans taken out, each paying off the previous and having the same terms : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I reached out and asked for assistance with the overwhelming interest rate. No one responded.
In XX/XX/XXXX, I discovered the Fairness in Lending Act ofXX/XX/2020, which made the loans all illegal and unenforceable. I called OppLoans to inform them, but they did not agree to help me.
On XX/XX/XXXX, I sent them a " cease and desist '' letter.
The responded on XX/XX/XXXX, but again disagreed.
On XX/XX/XXXX, I filed a XXXX complaint. They responded, unwilling to help, on XXXX XXXX and again on the XXXX. Today, XX/XX/XXXX, I am filing complaints with the FTC and CFPB. I plan to follow up with my state 's Attorney General next week.
|
| 04/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I took out this loan in XX/XX/XXXX for {$1500.00}. I have been drafted biweekly since for about {$150.00}. I called today, XX/XX/XXXX around XXXX XXXX est, and inquired why are they still taking auto payments? I feel that I've paid more than what I borrowed. The agent, name unknown, but it was a female, says I missed 8 payments and they are charging me daily interest. She said repeatedly I only owe 3 more payments. I asked that they discontinue auto pay and move their expectation of payment on XXXX. She says she did as I requested and an email would come to me confirming. I asked her to note my account that I would pay the {$340.00} she stated I still owed by XX/XX/XXXX. She then explained I needed to call before paying because of daily interest. In her previous explanation she said interest was charged because I missed payments. So now at this point in the convo, I am confused, if you moved the payment for XXXX and I pay balance owed by XX/XX/XXXX, why would I need to call for a new balance? That is when I expressed to her I am confused and begin asking close ended questions to ensure I was getting all the information. She was adamant in adding on narratives to simple yes or no questions. I kept saying if I owe 3 more payments and you would have drafted them biweekly thru XXXX, why would I need to call for balance? Then she said she told me I owed {$340.00} " as of today. '' Our whole convo was basis some tricky wording and this agent was intent on allowing me to remain confused about how to pay this off and be done. I truly feel her intent was to deceive me, and when I did not accept and hang up, she begin talking over me. She started speaking when I was speaking and I continued speaking and she then egregiously accused me of over talking her and hung up on me. I am speechless at her behavior and I find it abusive.
|
| 03/25/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
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Hi, I took a payday installment loan for the sake of building my credits and we entered into a contract with payment terms that they deduct installments from my checking account. I gave them all the information they wanted that included my account and routing number as per contract. Initially, they didn't deduct money as per scheduled payment and I called them 3 times asking them to take their money and they didn't. I paid through a debit card thereafter. I did pay again 3 times more and asked them to perform their responsibility to deduct their money as this is important for my credit building. I then told them I am not doing it through debit card anymore. Have to do their obligation as per contract, it doesn't say I have to use my debit card as a routing number was a condition for approval.
This week I wondered that they contacted my employer and decided to garnish my wage. This is unfair to me as I wasn't informed and it is not my fault, I never refused to pay or change my account. They didn't do their responsibility to deduct money while I gave my account information ( confirmed today they still have ).
This is unfair garnishment and punishment to me because of their fault ( or their systems ). My intention is to build my credits instead they are now destroying me more while I am innocent. Again they never gave me a chance to defend or give my position on this. I am still willing to service my loan and never refused to fulfill my obligations but I getting unfair punishment for this company failure to comply with the agreements.
I urge your help to assist me to remove this unfair garnishment on me and let the company comply with their promises. I also ask you to judge this and make Opploans repair my damaged credits that were caused by this unfair transaction. I am not delinquent to this transaction.
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| 10/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I have disputed this debt with your company several times because you are charging me an interest rate of 158.82 % far exceeding the permissible interest allowed in Missouri. Each time you failed to mark the credit report as disputed as required by the FCRA, and you have never provided a Date of First Delinquency or account-level documentation which means you could not have conducted an investigation. Per your Arbitration agreement, the claimant must give the other party written notice of the claim/dispute, which I did, per certified mail. Per the XXXX you received my complaint at the address on the arbitration agreement. You had 30 days to respond Per your agreement however, you failed to respond. I filed for arbitration with XXXX per your arbitration agreement per case number XXXX. It was sent to your Register Agent. Your registered agent received it per XXXX. On XX/XX/2022, I was notified by the XXXX XXXX XXXX XXXX XXXX ) that Opportunity Financial LLC Opploans failed to comply with the policies regarding consumer claims as set forth in the Consumer Due Process Protocol and the Consumer Arbitration Rules. How is it, that you have an arbitration clause in your contract and will not honor it? This is in my opinion a Breach of Contract and Fraud on your part, and I plan on letting the world know about this. This also proves my complaint is valid by your refusal to participate in the arbitration. You have your customers waive to have juries to resolve claims, have courts or other small claims resolve claims, bring claims as a private attorney, and have claims decided in a class action. Since I waived those rights, you must abide by your arbitration agreement. Your negligence is ruining my credit rating and I request this be removed from my account since you violated your own arbitration agreement.
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| 12/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
My payments stop coming out as agreed by ACH debit on my account for no reason in accordance to their agreement. I never canceled or directed my institution to stop allowing the agreed ACH debits from my account which were to automatically withdrawn on my pay days of the XX/XX/XXXX and XX/XX/XXXX. I spoke to a rep who said there may have been a system error due to updates, etc. Payments continued and Then all of a sudden I have fraud on my XXXX XXXX XXXX account. Issue was resolved and payments were suppose to continue with my XXXX XXXX account due to previous issue of payments not coming out as agreed in accordance with the agreement. Auto payment was selected so you don't have to worry about the payments being made and it was encouraged that if you can make more payments it can pay down your principle faster according to XXXX XXXX. As I free up a little cash I assumed when I log in to make a payment it's just an extra payment being made. I made a couple payments recently with my debit card. I have had several issues with XXXX XXXX correctly taking my payments and I am met with attitude and unprofessional reps. Recently I get notified by XXXX that my account with XXXX XXXX is Delinquent 30/60/90 days. I have gave the rep my XXXX XXXX information back in XXXX. I never received a call, voice mail, email, or US Mail correspondence that I was past due let alone going into delinquent status. The last email received was in XXXX! Every account on my credit report has been in good standing for years without 1 late pay and this inaccurate reporting of my account dropped my credit score 60 points. I did everything I was suppose to do under the FCRA, yet XXXX XXXX never notified me or gave me a chance to rectify any issue. I can not fix or put attention to nothing I haven't been made aware of.
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| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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On XX/XX/XXXX I mailed to Opp Loans in order to resolve an issue with an inaccurate account that was being reported on my credit report. They received my request by certified mail on XX/XX/XXXX and has yet to reply to my request.
15 U.S. Code 1681s2 - 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 rate relating to a consumer to any consumer reporting agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate According to the IRS the Lender must file form 1099-C and send a send you a copy if the amount of the debt canceled is {$600.00} or more and the lender is a financial institution, credit Union , federal government agency or other agency entity at discussed earlier in XXXX XXXX.
The IRS clearly defines a charge off, canceled debt as gross or ordinary income income does not get reported on a consumer report as this is my person information.
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
On XX/XX/XXXX the account was written off and charged off and I never received a copy of the XXXX.
This situation has been embarrassing and hamulating as you try to improve your lively hood and to have a company ignore you and violating your rights.
|
| 12/06/2018 |
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
|
|
Web |
|
|
In XX/XX/XXXX I certified mailed a dispute letter to XXXX XXXX to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports, respond to my letter which I can prove they received, and that they did not send any information verifying the debt to me that would prove and hold up the erroneous claim that I owed them to begin with, or have negative accounts with them. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
|
| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
Good afternoon. I'm a credit counselor and am embarrassed and frustrated this is happening. I have two issues : 1. I have an XXXX credit card that is closed and I am paying down the balance. I am unable to get a monthly statement from XXXX because my cell phone is an older model and I get a message that I need a newer phone to use their mobile app. I called XXXX on XX/XX/2023 at XXXX and explained the proplem. I was told XXXX can't email me a statement for security reasons and they would send me my statement via US mail. It's exactly one mnoth later and I haven't received any mail from XXXX. I use the US Postal Service Informed Delivery service where I get an email from the US Postal service alerting me of any mail I will be receving from them inlcluding scanned images of the mail I will be getting in my mailbox so I know and have documentation that XXXX hasn't sent me my credit card statement via US mail.
2. I have another phone I don't use but it's a more " modern '' phone and I was able to add the Oppfi mobile app to this phone hoping to get my credit card statement. However, when I try and login the login screen offers me two choices at the bottom of the phone screen : Apply Now and Sign In. I chose Sign In twice and XXXX instead processed two requests from me asking for an XXXX card. I have a photo as an example. I called XXXX on XX/XX/XXXX at XXXX and had a 22 minute conversation with XXXX XXXX this issue. The XXXX representative noted I had previously called on XX/XX/2023 and also acknowledged other XXXX customers called to complain about this issue of customers unwillingly appying for another credit card. This is a hard pull on my credit twice.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
|
| 09/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
Servicemember |
|
[ I am writing to dispute the status of certain closed accounts associated with my name. I recently obtained a copy of my credit report, and upon reviewing the information, I noticed that these accounts are inaccurately reported as closed. I kindly request your assistance in investigating and correcting these errors as soon as possible.
Please note that these accounts have been closed for quite some time, and I have the necessary documentation to support this claim. It is crucial for my financial records to accurately reflect the status of these accounts, as they contribute significantly to my credit history and overall creditworthiness.
I kindly request that you conduct a thorough investigation into these accounts and update the information on my credit report accordingly. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccurate information on my credit report, and I am exercising that right.
Moreover, I kindly request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies within the time frame stipulated by the FCRA. This will enable me to keep track of the progress made in resolving this matter.
I appreciate your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.
Thank you for your immediate attention to this dispute. I trust that you will rectify the inaccuracies on my credit report and provide me with the necessary documentation to confirm the updates made.
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| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is reporting false information on my consumer report without proper validation and verification of this debt. I've never received a notice of attempt to collect upon this debt, however this account has been charged off and sent to collections on my behalf. I have no record of correspondence with this company and I have never received notice of Opportunity Financial claiming my obligation to pay this debt. Upon asking for their permissible purpose to claim I owe this debt, there were no factual findings produced. I've disputed this with all major credit bureaus and it's come back as " verified '' but nobody has shown me anything further than a " verification '' status. I've asked for proof of this debt, some type of clarification of this alleged debt and the company its owed too and all I've been given is non-compliance. I have no recollection of dealing with this company and they have produced nothing showing that I am in relation of this. The information attached to this debt is inconsistent and inaccurate. I've asked for deletion of this account on my consumer reports as its erroneous and damaging, it remains. I've asked for verification of this debt and they're still pursuing this although it's been deemed unverifiable ; even going as far to close this account, re-open it and close it again on my consumer reports, severely dropping my score and creditworthiness. This gross act of misjustice is unlawful. I was never even contacted about this matter until it appeared on my credit and has been there apparently for years now before I pulled my reports in pursuit of a safe home.
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Company has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION 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. ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.As defined by the *** Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ).
If you, OppLoans adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal.
I am aware that you, OppLoans, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
|
| 02/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I took out my first installment loan with opploans in XX/XX/XXXX. I paid on time and never missed a payment. In XX/XX/XXXX, opploans offered to refinance the loan. In reality, they did not refinance anything. They closed the original loan and gave me more money and a new payment plan essentially rolling over the loan. Illinois law does not allow a lender to roll over an installment loan if doing so would keep the person in debt for longer than six months. This is exactly what they did. I did not know that was illegal for them to do that at the time. I stopped paying on this loan and I attempted to settle this debt in XX/XX/XXXX ( via phone call ) as I could not afford this high interest debt for the extra time they rolled over the loan. Please note, they did email me a settlement offer in XX/XX/XXXX ; however, I did not notice the email until after the time had lapsed to accept or decline it. Now, the company has a third party law firm attempting to collect more than what I would have owed if I paid on time until this date. All I wanted to do was settle the debt and avoid dealing with this company ever again. Now, I will have to hire my own lawyer to fight the third party. The third party asked for {$2700.00} to settle this loan when it was {$1000.00} to settle less than two months ago. I attached the rolled over loan contract. It makes no mention of how they rolled over the prior loan into a new one. They did not give me {$2100.00} in or around XX/XX/XXXX or after. They gave me {$890.00}.
|
| 01/31/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I took a loan out with this company in XXXX of 2016. When I took out the loan I understood what the initial payment would be and was told that I would pay lower increments each month. However, I did not understand that the interest would decrease at the slow rate in which it is currently decreasing. Because last month was XXXX and personal and property taxes were due. I was unable to pay the minimum amount of XXXX. ( I have been paying an excess of XXXX a month on this XXXX loan since XXXX with the first payment being 0ver XXXX ) I therefore, contacted the company and agreed to pay {$350.00} of the balance. I was told that the addtional would be added to the balance of XXXX 's payment. Now, this month they are showing a minimum of XXXX. XXXX due and with the additional amount left from last month. I am having to pay {$660.00} this month. I called the company to see if a lower payment could be negotiated and was told that an arrangement could not be made on an arrangement. I am totally frustrated with this loan company. I borrowed {$3000.00} from this company in XXXX with 160 % interest rate, I am scheduled to make monthly payments for a year. I read an article about another payday loan company overcharging in interest rate for consumers of Virginia and realized at this point that I, too, am being overcharged in interest rates. The comapny I am referencing is Opportunity Ficnacial, LLC. I am seeking assistance in getting lower monthly payments and adjustment to my interest rate.
|
| 02/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was sued by a collection agency named XXXX XXXX for an installment loan I took out with another company named Opportunity Financial LLC. On XX/XX/XXXX we reached a settlement agreement. The agreement stated I would make 3 payments of {$740.00} dollars beginning on XX/XX/XXXX in exchange no judgement would be filled and nothing would be put on my credit report and the debt would be paid in full. On XX/XX/XXXX I made the payment and faxed the signed agreement to XXXX XXXX and was told I did not have to go to court because they would have the judge sign the order and send me a copy. Instead XXXX XXXX took my payment and the signed agreement and still went to court on XX/XX/XXXX and filled a judgement for a higher amount and sent a garnishment on to my place of employment. I contacted XXXX XXXX and was told that a motion to dismiss would be filled. 3 weeks went by and they still did not fill a motion. So I filled a motion with the court to vacate the judgement. XXXX XXXX contacted me on XX/XX/XXXX trying to collect a second payment and threatening me saying if I didn't make the payment they would not dismiss the motion to vacate judgement even though that was the original settlement agreement in the beginning. XXXX XXXX and I made a settlement agreement. I kept my part of the settlement agreement and 2 days later they breached the agreement after taking my money and then threatened me after I filled my motion to get another payment.
|
| 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
|
|
Web |
|
|
XXXX In connection with the collection account with Opportunity Financial, In pursuant to 15 USC 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or. I did not give any permission to pull any information from my report specifically because my ssn should be excluded from my consumer report and this account is a credit card account. In pursuant to 15 USC 1681c-2, 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. I consider this information that was reported as identity theft. I demand a deletion of this account effective immediately. If the account is not removed from my consumer report I will take this to a federal matter.
|
| 09/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a short-term loan on or about XX/XX/XXXX. After going through the application process ( which included putting down my SSDI benefits - this was verified electronically from my bank by them ), I was presented with a contract. After I read the contract, I SIGNED it. Then I was informed that I would be notified in 24hrs of their decision. I called on XX/XX/XXXX and was informed that my income was insufficient.
1. They verified my bank account and SSDI deposits before the contract 2. I have a signed contract. It has the amount to be borrowed, the payment schedule and the interest, as well as a promissory note.
3. Nowhere on that contract did it state that the loan was still under review, or that it was NOT the actual loan agreement.
I would not have signed it otherwise ( They were told so ). I would not have signed it because I would be unsure if the terms would change.
Again, I have a SIGNED contract with oppLoans - this after the did their checks I had applied for their loan several months previously, and was told that all that remained was my signature ( I refused - didn't like the terms ). They even emailed a copy of the contract ( unsigned ). This time they didn't do so. I took photos of the contract, however. I will try do send them. Notice that the signature date is the XX/XX/XXXX, but the document date is the XX/XX/XXXX ( didn't notice that before )
|
| 08/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have taken multiple XXXX and paid them without any issue in the past. I always pay a large amount and make payments less than what the schedule states without any issue. They gave recalculated them in the past. Until now. I was financed on or about XX/XX/XXXX of this year. I made a payments if XXXX. And payments if XXXX there after. I received the first notice that my account was past due {$0.00} with it being 11 days past due. I called they had no solution. I received another email i called the rep said oh my supervisor said its bc you have not made you full payment amount. I proceeded to tell her it doesnt makes sense the account i is paid ahead XXXX i always go paying the full amount when the XXXX clearly says {$0.00} is due makes no sense. I asked the account he looked at and recalculated just as they did before. No help was given. They wasted my time with the call bc i still got notices, i emailed them frustrated because they still didnt understand. They repeated to me the same story i made it clear this better no have any effect on my credit due to its not late. The account wasnt suppose yo he laid off until XXXX of XXXX. It is now paid off however i awoken to my credit reports showing a late payment for this company when in fact there was no amount late on the account at all. I have attacked all notices, pay schedules, payments, and emails to this complaint
|
| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have filed a XXXX report about my situation already and my issue with this company/account was not resolved. I am filing this report about an open account with Opportunity Financial as they are in violation of the FCRA. In pursuant to 15 USC 1692c, ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt. Also in pursuant to 15 USC 1692g, I am the original creditor and only I am able to validate a debt. I demand that this account is updated to payed as agreed and that the company ceases all further communication that isn't by mail and to desist the alleged debt. If there is no changes in the next 30 days I will be taking further legal actions.
|
| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XXXX 2020, it came to my attention that I have a couple fraudulent collections on my credit report.
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XXXX XXXX 2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX
At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did.
I reached out to account holder number 1.
I was told to send all my complaints to their fraud department. I did so, on XXXX XXXX 2020. Almost immediately, the agency came back, without a proper investigation, stated the allege debt belonged to me. This was done without acknowledging I had to file a police report, and a ID theft report with the FTC.
Not once, had the agency provided proof or verification in their claim.
I have requested on multiple occasions : XXXX, XXXX, and present of a copy of this loan agreement that they are standing by. I asked them to provide verification of my actual signature, a copy of my government identification, evidence that I in fact sent all this to the company, in requests of a " loan. '' To date, I haven't received anything to that effect. I have not received any for of communication, not through email, phone, or USPS stating the allege debt was in default and or in collections. There has been virtually no communication.
|
| 12/04/2015 |
No |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
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Financial phishing!!! Was getting XXXX hang-up calls a day from XXXX, for several weeks, finally did a dial back and it was this company Opportunity Loans. Told them I was on the No Call List and wanted no further calls. Was told they were calling about my loan application and would need last XXXX of my SSN to pull ; advised I did n't have an application so my SSN would do them no good. Advised they could use my phone number to remove from their call list and any further representation that I had a loan application was fraudulent. Since that XXXX conversation I have received XXXX more hang up calls. I also received XXXX messages left from the same company on a toll free # XXXX, ignored the XXXX thinking it in error, the XXXX came in on XXXX, my conversation with the rep XXXX went much the same as my original conversation, with them insisting they needed SSN info to stop calls ; thus far I have not received further calls from this number- yet. I believe this particularly egregious phishing may have been triggered by my recent HARP process with my bank as I 've gotten a number of mail offers since then, but these folks just wo n't stop even after I told them I was a XXXX ( in credit & collections, no less ) and I worry that given the list the calls are apparently are being generated from they may take XXXX of someone who is at their most vernarable.
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| 03/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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Dear Lender, It has come to my attention that lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Further the laws governing usury in my state are as follows : Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}.
Your interest rates far exceed the upper limits of the statute.
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1400.00} on XX/XX/2019, and have had bi-weekly withdrawals of {$120.00} debited from my account. This results in a principal balance due of {$1400.00}. Which is an overpayment of {$97.00}.
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.
Please respond to this email with acknowledgment that my account has been satisfied in full.
Sincerely, XXXX XXXX
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| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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Delete Late payments from Opp Loans from, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( 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
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| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I notice that this company is also showing on my consumer report as a charge of which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX
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| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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XXXX and Opp Loan continue to ignore my requests to correct the dates which are incorrect. I've sent the info to Opp Loans directly several times & to the CFPB for both XXXX and Opp Loans. Yet the dates reported continue to be dispute rather than paid and closed dates. XXXX has lowered my score with their inaccurate reporting. Opp Loans could care less. They don't want to fix it and I've tried several times going to them, then to XXXX. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and XXXX continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet XXXX and Opp Loans keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against Opp Loans with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.
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| 10/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I am furious! I have been battling XXXX for months now and thought I had reached resolution only to have XXXX not stand by its side of the resolution. I have a {$2000.00} loan with XXXX and have been fighting with them to come to a settlement given their predatory nature. At the end of XX/XX/XXXX, I spoke to Mr. XXXX XXXX. He stated the best XXXX could do for me was make the loan a zero interest loan and require me to pay {$100.00} per payday even though I stated that would be a hardship. I made the first {$100.00} payment on XX/XX/XXXX ( a day earlier than it was due ) and mailed the XX/XX/XXXXpayment ( which they claim not to have received ). To date, I have paid {$580.00}, therefore, my balance due should be {$1400.00}. My Online account shows my balance as {$1900.00}. This is 1000 % INCORRECT. I have reached out to XXXX MULTIPLE times to get that fixed with no response. My online account also shows that I owe {$180.00} per payday which completely VIOLATES the agreement I entered into with Mr. XXXX. Despite my wanting all correspondence in writing, he refused and now I see why. On XX/XX/2018, XXXX threatened me with collections stating I am {$270.00} past due. This is false information. XXXX is now lying about the status of my account. This is unacceptable business practice.
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| 05/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I applied for loan back on XXXX XXXX 2017 I was told that I was denied due to my XXXX score being low. I then called and ask what is the score requirement to be approved. I was then told that your score XXXX score should be XXXX . Then I ask the rep what was my score showing in then say XXXX . So he then say I can contact the company XXXX to try in get my score up and then reapply within 30days. So I contact XXXX to start the process to get my score up. So today XXXX XXXX 2017 my XXXX score is XXXX . Which way pass the company requirement to get approve for a loan. So I reapply for a loan on today XXXX .17 I was today I was approved for XXXX . And the only thing I have to do was submit 3 months of bank statements. Once I submitted the bank statement I was told that I was denied. So I then ask why he rep told me that I would have write them a letter to get a statement of why I was denied. So then ask the rep what was my XXXX score she then state that my score was XXXX and the company requirement score is XXXX . So at this point I am XXXX because why would the company tell me I am approved at first. And then ask for all my personal information just tell me I am not approved This company is a scam!
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| 10/06/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I took out a high interest loan in XX/XX/2016. The loan was for {$4000.00} My payments were to be {$290.00} semi monthly. The payments were set up on my pay dates which are XX/XX/XXXX and the last day of the month. However, at some point the payments started changing to XX/XX/XXXX and XX/XX/XXXX of the month. So, at some point this past year and 1/2 every other payment started getting returned. I tried to resolve this earlier this year with no resolution. I also contacted the company by phone about 4 weeks ago and the customer service person wasn't able to help me again. Today I called at about XXXX and spoke to a customer service rep ( who incidentally said he spoke to me the last time ) and he still couldn't help me. He told me again that I had to call during business hours which was by XXXX XXXX PST. I calculated that I have paid {$11000.00} towards this loan! Based on all the cleared payments on their system! When I try to view contract online, it says it's not available. The rep said he couldn't view it either. He said it appears that my loan was part of a " migration '' from another part of the company. At this point, my current balance is {$5100.00} and the principal balance is {$3200.00}. Please help me.
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| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I discovered that I had locked access when trying to accept an offer to make a payment and bring my account current. I paid by phone on XX/XX/XXXX and brought the account current while being told the payment would restore my access after the payment is processed within a few hours. It did not work. Through a half dozen calls since then, spending in total close to five hours on hold with the customer service advocates and origination departments over two weeks, I have been unable to restore access to my online account. I have no way of making a payment, validating the debt, modifying my payment source, or even tracking the progress of paying it down. This is a violation of my rights as a consumer and debtor and they need to correct it. What's worse is that their phone service does not allow anything related to online account technical support -- you're only given the option to refinance or pay your account. You can only speak to two departments. I was told I didn't qualify speaking with a supervisor based on my problem and no one seems to have any idea how to help me. Frankly without a validation of debt I don't see how they have any legal right to keep collecting from me.
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report.
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of account/item which do not belong to me or were opened without my permission.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$5900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
|
| 06/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
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|
Web |
Servicemember |
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My wife and I called Opploans on the evening of XX/XX/XXXX. She settled her past due account with them for XXXX. She immediately received an email confirming the settlement payoff. Since the pay off she is still receiving calls from the collections department on this account. While on that call we also attempted to take care of the loan I had with them as well and they said I could pay if off for XXXX due to Covid 19 hardship. So we gave them the debit information again and initially their system declined the charge. So we used another card and they debited XXXX from that account. After they received the funds they stated that they had no record and didnt get the money, so we immediately sent them a screen shot of the transaction. We were on the phone for over a hour with them and at the end of the call they stated that it was a system glitch, they were forwarding it to a manager and would call us back within 24 hours. We didnt receive a call so we called them, no one could answer the questions and keep saying they will escalate it. Our bank confirms that the funds were paid. We have called Opploans every day since that date and to date nothing has been resolved.
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX, XXXX XXXX XXXX account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting
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| 09/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
Older American, Servicemember |
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The loan was for {$2000.00}. On XX/XX/XXXX I made the last payment of {$370.00} for a total of {$2900.00} payback.
I then received notification from Opp Loans that I refinanced the loan, and that I owed them {$1800.00}, and they wanted another payment.
I telephoned Opp Loans and explained to their representative that I did not request additional funds that someone in your organization set up this fraud. I asked to see the documents I signed, and they couldn't provide me any.
Opp Loans stated that the money was deposited into my bank account. When I asked the name of the bank, they told me the banks name which I did not know. I told them, I did not have any account with that bank. Opp Loans has never produced one shred of evidence I refinanced that loan.
At the request of their representative, I filed a complaint with their fraud department. I was then notified this was a closed issue.
When I received a copy of my credit report from XXXX, there was an entry that I am over 90 days late on my payments from Opp Loans. My credit report had been over 700 points, even with a bankruptcy bank in XXXX. Now my credit rating is reported as poor.
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX 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!
|
| 09/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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THIS IS IDENTITY THEFT I AM NOT LIABLE FOR ANY OF THE DISPUTED ITEMS ON MY CREDIT REPORT UNDER FAIR CREDIT ACTS AND REGULATIONS identity was stolen and I noticed this when I went to pulled my credit report in XXXXXXXX XXXX XXXX XXXX XXXX There were several and I mean SEVERAL fraudulent accounts/Unauthorized accounts that were not opened by me on my credit report all of this has lowered my score into the derogatory range causing great financial burden and grief I am scared for my future. I have called these creditors several times over the past 4 months to No avail or assistance and even sent them the applicable identity theft reports and evidence in regards to my identity being stolen and used fraudulently only 3 companys adhered to my order the following accounts that I am requesting to be looked into and REMOVED IMMEDIATELY FROM MY CREDIT REPORT ARE FOLLOWING : Applied bank, XXXX Opploans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all the fraudulent accounts on my credit report this is IDENTITY THEFT and under NO LAW AM I PAYING OR LIABLE FOR THESE DEBITS.
|
| 09/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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This installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018.
This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX continues to falsely verify that this account belongs to me and refuses to remove it from my credit report.
Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices.
I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXX, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Opp Loans, to XXXX, XXXX and XXXX. I discovered over 34 Errors. Which indicates that OPP Loans broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019. I sent to letter on Opp Loans via Certified US Mail, inquiring about the account reported to the Credit Bureaus. They responded XX/XX/2019 sending me a summary of the account and none of the information I requested for Validation. They have added a new line of credit while in dispute which is detrimental to character. They contacted me Via Phone XX/XX/2019 apologizing and admitting their mistakes, unfortunately my credit has already been challenged and they have not issued this apology in writing.
|
| 03/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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Web |
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I received a pre-approval offer for a loan up to {$4000.00} in the mail. I applied for the {$4000.00} loan and was denied. I called a spoke with a manager by the name of XXXX. She was nice to talk to, she listened, empathized and assured a return phone call and/or voicemail. I did not receive that call back. I called back again and spoke with a manager named XXXX. She was not nice. She was very passive-aggressive. I explained to XXXX that her company has violated the law. 15 USC 1691 states that it is unlawful for ANY creditor to discriminate against ANY applicant with respect to ANY credit transaction. Opploans has discriminated against me based completely or partly on a communication from a consumer reporting agency. Pursuant to 15 USC 1681 congress has found that the banking system is dependent upon fairness & accuracy. I have not been afforded fairness by Opploans. I am the consumer & original creditor. I can not be denied an extension of my own credit. The adverse action taken against me has caused me & my family XXXX XXXX. As a result of this XXXX XXXX I am unable to eat tonight.
|
| 01/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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On XX/XX/2021, my XXXX bank account was hacked. The scammers accessed several accounts and reversed payments from different merchants I paid in full. One of the payments that reversed was for a company called OPPloans. On XX/XX/XXXX, I called XXXX to change the {$390.00} reversal claim because it was fraudulent. XX/XX/2021, I contacted an Oppsloans representative named XXXX XXXX in the customer complaints department. Because I was charged for two loans, I called the bank to stop paying for the other loan I was waiting to clear through Visa. Five Months passed, I continued to check my bank and my Opploans account to see if it had been credited in any of the two versions. I filed a complaint with the consumer protection bureau against XXXX in XXXX. XXXX investigated my complaint and revealed that Opploans had been credited the money over 45 days ago, but my Opploans account remained the same. I am a long-time customer of OPPloans, and I feel mistreated. I wonder if they treat other customers in similar situations the same way. The way I am being treated is unethical and immoral.
|
| 10/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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I emailed company on XX/XX/19 and then I also called and rescinded the wage assignment. I sent an email to the CEO office and also spoke to several representatives to try to reach a settlement for the principle amount of the loan. The amount when I asked for the settlement was XXXX. This would have had the company write off about 200 in interest only. There was a lost of income in my household. So to prevent a long term impact to my credit and finances, I asked to settle the account. I was informed that I had to be at least 61 days behind and that if I made a minimum payment of XXXX that I would stay in a positive balance. This did not make sense as this would also keep the account in a current status. This would also cause more interest to accrue over time. I wanted to settle the account, close the account and avoid negative impact on my credit, and more fees.
The company refused to work with stating the contract was enforceable. This would benefit the company to continue to accrue more interest and fees over a period of time and impact the consumer in a negative light.
|
| 10/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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Hello, I am a XXXX XXXX here in the US. I worked as a XXXX. An XXXX XXXX from other country.
I was having a hard time with finances this year because my salary is too low, my rentals and other expenses here in the US is too high that is why I tried applying a personal loan at opploans online, I was surprised that the interest is huge but I still applied for it, resulting to difficulty of budget. I send half of my salary to my family back home, because my XXXX children are XXXX and no one will take care of their finances except me. I started a {$500.00} loan and the interest is over 160 %, I refinanced it due to financial problems and I was approved for {$1500.00}.
They take away electronically on my account the amount of {$130.00} twice a month, starting XX/XX/XXXX until now. I am really confused with the scheduled payment specially the month of XX/XX/XXXX, I saw that they schedule XXXX autopays on my card. The loan will end on XX/XX/XXXX. This is too much. I am having an XXXX because of this.
Please advise me. I want to be free from their incredible interest.
|
| 06/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
The account below is not my account, this account is a case of Identity theft from several years ago.
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/10/2023 |
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
|
|
Web |
|
|
Oop Financal Loan by XXXX XXXX is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. Oops Financial Loan should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am XXXX to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them
|
| 06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Im a victim of fraud and I want my financial freedom back. My complaint is against OPPORTUNITY FINANCIAL ACC # XXXX date open XX/XX/2016, status closed derogatory. I already tried disputing this with the company and they still have not remove fraudulent account from XXXX credit bureau, violating the FCRA in which the credit bureaus have to remove the fraudulent information. The FCRA requires credit bureaus to block the fraudulent information from my credit report as resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my XXXX report as soon as possible due to the fact that it is a fraudulent account. Im attaching a Federal Trade Commission report, with letter sent to Opportunity Financial alerting them that this account has fraud charges. In the case that the account still remains in my report I will take legal action against Opportunity Financial. This is a clear violation to my financial rights and to the FCRA.
|
| 01/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I, Consumer is requesting XXXX XXXXOpploans XXXX Opportunity Financial LLC XXXX Documentary Evidence pursuant to the TRUTH AND LENDING ACT. Under the FDCPA Fair Debt Collection Practices Act it says you MUST have proof of verification on your records. I am requesting a copy of that verification, by the way here is the legal definition for verification as this is a legal matter ; " A declaration swearing that statements made in a document are true. Depending on the jurisdiction, verifications are either made under oath or in the presence of a notary public or similarly authorized person. Verifications are traditionally attached to the end of all pleadings that are required to be sworn. Also called affidavit of verification. '' I am requesting verification of alleged debt under penalty of perjury which means that you swear and attest that the information or documents provided to me the consumer is true and correct. I need to see those Documentary Evidence information to validate this alleged debt you are claiming I owe.
|
| 03/24/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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|
Web |
|
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I 've had a loan with Opp Loans ( Opportunity Financial ) for over two years, and had always made my payments on time, they raised my credit line from {$1600.00} to {$2200.00} because of my record.
In XXXX 2016 I became unemployed, at first they worked with me for what I could afford, then they pressured me to try to make payments I could n't afford ( in XXXX of 2016 ). I tried to keep up, but ultimately I could n't any longer.
Finally in XXXX of 2016, the collections manager ( XXXX ) said to me to log into the website and to make weekly payments of what I could afford, so there 's activity. He said as long as I made these weekly payments, no interest would accrue, I 've done this for 3 months now.
I had a payment due XXXX XXXX, I forgot to make it, so I made it one day later on XXXX XXXX, I 've made another one today, XXXX XXXX.
It seems their system does n't recognize my payments, as they added {$230.00} of 'interest ' to my balance, and send me threatening emails and texts every other day.
|
| 02/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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Please be advised that along with 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 three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan.
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 deleted immediately. Attached are the proof ( s ) of fraud.
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| 07/23/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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|
Web |
|
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I have been a customer with this them since XXXX of this year. On XX/XX/XXXX I reached out to advise I was having financial issues, as my husband 's job did temporary layoffs/ work reduction. I spoke with a rep who advised me if I could make at least half payments it would keep my account from going into collections, which I have done. Since then they have reported me to the Credit Reporting Agencies and now I am getting collection calls every few hours. I have no choice but to make smaller payments right now. But my concern is, when I was in good standing my credit report was not updated to show good history but it is for negative, I don't think that is fair practice. Also, I did reach out as soon as I had a situation and now I am getting collections calls and letters, I got an email on Sunday advising me I had 30 days to validate this debt as mine. I know its mine, I made a payment as directed. pull the call where I called in, check the emails I have sent. I am trying to do the right thing ...
|
| 02/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
Older American |
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I called Opp Finance on XX/XX/XXXX to move the bill due date of XX/XX/XXXX out a few days due to a financial emergency. The agent told me she could not do that. The very next day, XX/XX/XXXX, she removed the funds from my account making them unavailable to me for my emergency on the XXXX so that my account would be paid on the XXXX. In other words, she intentionally captured my funds early on the XXXX so that I could not use my funds to take care of the emergency that I had. This early action had never been done before prior to our conversation and need to move the due date out.
I sent numerous emails regarding this situation and they all were ignored as if this early debit transaction never existed. They asked for proof of the transaction, and, I went to the bank to get it and sent it to them. They then asked for it to be on the bank 's letterhead as if I had manufactured the document.
My contract states clearly that the debit would occur on the XXXX of each month. Not before that date.
|
| 05/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Company offered {$2800.00} loan to my husband at 24 % interest without disclosing " customary fee '' which brings total to 160 % interest. Company says this fee is not interest " for the purpose of Tennessee law ''.
I asked about protection under the military lending act and they said they never heard of it. They said " the state regulates the interest amount ''. If that is the case, why is their outrageous fee " Not interest for the purpose of Tennessee law ''?
Paid {$460.00} this month. Principal balance dropped by {$78.00}.
Next payment due is {$630.00} Company said payment will be different every month. How does an installment loan have a different payment every month? How can it ever be paid off if it accrues over {$400.00} in interest per month?
He was medically seperated from XXXX XXXX due to a XXXX XXXX XXXX causing XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. He is XXXX XXXX XXXX and his only income is VA XXXX.
This company is preying on people like XXXX.
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| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
XXXX XXXX XXXX XXXX XXXX XXXX Opportunity Financial Account XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/06/2023 |
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
|
|
Web |
|
|
XX/XX/2023 at XXXX I received an email from opploans stating that they received a request from me {$4000.00} on XX/XX/2023. Now I didnt see this email until Monday morning XX/XX/2023 because I was checking my bank account and see this large amount going to them which I did not do. I dont even have that much money in my account. I tried to log into my account with OppLoans and I couldnt. Which is weird because Ive log in before with no problem. I even have my account saved and password save to my phone. Opploans said they didnt even recognize my email address. I told the lady the billing department whats going on and all she said was I sent you a link for password. So I changed my password and still could not get in my account. It said Due to too many incorrect SSN attempts your account has been locked. Someone hacked my account went in and sent them money to payoff their loan early. Money that I didnt even have. They were on payment plan every 2weeks {$270.00}
|
| 11/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I originally took this loan out because I fell on hard times and was not able to make anything else work. Since then I have received XXXX XXXX XXXX XXXX and learned about my legal rights and protections regarding loans after XXXX. Since being activated on XXXX XXXX XXXX I have tried multiple times to get into contact with Opploans by emailing them at their provided contact email address XXXX and attaching my XXXX to each email and have not received any response from the company. I have received an automated email response acknowledging they received my XXXX, but that is all I have been able to get from them. I can not log onto their website as I am outside of the US for my XXXX and their site only works within the US. I just want this company to respond to me and comply and comply with SCRA so I can just get this loan paid off and be done with it. I have spoken to JAG and they are also working with me on this case and recommended that I file this complaint.
|
| 11/08/2022 |
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
|
|
Web |
Servicemember |
|
XXXX Opploans was sent a debt validation letter on XX/XX/22 and an employee at the corporation signed for this delivery on XX/XX/22. They have not sent anything since then, and the company has not responded to any of my letters after me asking for debt validation which includes a WET SIGNATURE, they were given 30 days to have this REMOVED from my report and it is still currently reporting to all three credit bureaus NO PERMISSIBLE PURPOSE WAS GIVEN FOR THIS CORPORATION TO REPORT ANYTHING ON MY CONSUMER REPORT. THIS IS ILLEGAL AND IS IDENTITY THEFT! I have also filed a report with the FTC and XXXX Certified Tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
|
| 10/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am XXXX XXXX. I am the living person, I am XXXX. I am submitting this complaint. No XXXX party involved. No Authorization needed. THERE ARE A FEW ACCOUNTS OPEN WITHOUT MY KNOWLEDGE. MY PURSE was stolen or misplaced WHICH HAD ALL MY INFORMATION IN IT i was not able to locate it during the months i was sick fighting for my life During the time I was fighting XXXX I was I REPLACED ITEMS THAT WAS LOST IN MY WALLET I DID REPLACE MY ID AND SSN CARD. I ALWAYS USE MY XXXX XXXX FOR MAIL SINCE ITS MORE SECURE THEN THE APARTMENT MAILBOX NOW IM SEEING DIFFERENT ADDRESS THAT IM HAVE NO IDEA ABOUT ON MY CREDIT AND NOW I FOUND OUT THRU MAIL I HAVE CREDITORS ASKING FOR MONEY AN THREATENING ME AND FAMILY MEMBERS. I DID HAVE AN INCIDENT WITH MY CELL PHONE SIM CARD KEEP GETTING DEACTIVATED I HAD TO KEEP GOING TO THE STORE AND GET A NEW SIM CARD EVENTUALLY A NEW PHONE TOO BUT THE IS ALL I CAN THINK. MY IDENTITY WAS STOLEN AND I NEED TO FIX IT
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Opportunity Finance has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time.
XXXX XXXX has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ).
Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.
|
| 10/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I was never contacted by the company and told my account was in arrears. When I contacted Opportunity Financial on XX/XX/2019 and spoke with representative XXXX. I was told the last payment was XX/XX/2019 and my account was {$400.00} past due. I attempted to make a payment on XX/XX/2019 and no longer had online access to the account. The representative XXXX told me my account was being written off and I would no longer have access.
I have not received one call or email from the company providing me with a status of my account. I asked the XXXX why I was not contacted and he communicated I responded STOP to a text message in XX/XX/2019. This was from a prior account with OPPloans which was paid in full.
During this same phone call, XXXX communicated to me the account would be taken out of charge off status and I would gain access. I no longer trust this company and feel the company is highly unethical.
|
| 09/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I XXXX XXXX took out the loan I am not disputing the loan I had a downfall in life and defaulted. I have received emails daily on call XXXX at XXXX for a customized settlement and I did not call until XX/XX/2018 when I received a " Notice of Intent to Assign Wages '' I spoke to XXXX who refused to assist her only option was for me to pay {$560.00} now and make the original monthly payments. I stated to her I do not have that money I really do not I need help she refused to offer me any solution. I currently have {$100.00} in my checking account. I asked to speak to a supervisor and she refused to allow me to speak to a supervisor.
with the notice of intent to assign wages the letter sates to send to XXXX XXXX XXXX XXXX XXXX but XXXX told me to send to XXXX XXXX XXXX XXXX XXXX so even their correspondence is inaccurate. I think this company has no intentions to help anyone who is struggling.
|
| 09/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I originally took out a loan on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and again on XX/XX/19 with Opportunity Financial , LLC. When applying for these loans Opportunity Financial, LLCs website states that they do not do credit checks with the three large credit Bureaus and that they do not report payments to any of the three large credit Bureaus. I pulled my credit report and they have indeed been reporting payments to the credit Bureaus showing all these accounts being opened and closed and opened and closed and some not closed that I have paid off. I also believe that the company is breaking consumer protection laws because they have allowed me to take out one loan within days or hours of paying off my previous loan causing a vicious debt cycle entrapping me with their high interest rates. If you look at my debt to income ratio I clearly can not afford this loan. I am XXXX.
|
| 06/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off an account ( loan ) and once the account was reported to XXXX it was reported closed but 30 days late. the account was never late, I co ntacted Opportunity Loans ( Op p Loans ) and was told that there was a glitch in the system and that this would be corrected in a few days. I waited from a call from someone by the name of XXXX who I was told would call me back but I never received a call. I contacted the credit bureau and disputed this, the dispute came back as information remains the same due to the number that was provided on the credit report is not the number should be used for Payments. the number provided to the credit bureau is just the corporate main number. so I have included the final email stating the account is paid in full with the correct contact number located in the signature. The information is still being reported as 30 days late which is not correct.
|
| 12/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have a loan with XXXX XXXX I had a family tragedy in XXXX ( death in the family ), and the company supplied me with a one-time deferment of one payment, until the end of the loan. I have NEVER received ANYTHING legally in writing, with regards to additional interest being charged along with the deferred payment. My contract maturity date was XX/XX/XXXX, but with the deferment, it should ONLY be until XX/XX/XXXX. Now, I am nearing the end of the loan, that has been perfectly paid, and the company is NOW saying that I owe more interest, and I won't be done until XXXX. This is totally incorrect, and I also NEVER received anything in writing at the time of the deferral, that this was the agreement. This information was NEVER provided to me, and the XXXX XXXX is not rectifying the issue. I want this issue investigated. I was NEVER legally notified of anything with extended interest.
|
| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Opportunity Financial , LLC has failed to accurately report my account for several years and it continues to cause me financial damages. XXXX XXXX agreed to report the account " Paid in full '' and did not honor that. The account is reflecting negatively on my report and showing a comment " SETTLED-LESS THAN FULL BLNC ; CLOSED '' Please see the actual snippet from the email below : On Fri, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX XXXX, I'm glad you were able to make payment arrangements to pay off your loan in full. If all payments are booked as agreed on ; there is no further action required on your part. Our credit team will automatically report loan paid in full to credit bureau after your final payment. Should you default on any payment as agreed, we are required by law to report all delinquencies. I hope this clears your concern.
XXXX
|
| 11/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/XXXX I entered into an agreement with this company that I owe {$80.00} per month starting XX/XX/XXXX. I paid the following : XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$5.00} TOTAL : {$80.00} I have actually paid {$10.00} toward XX/XX/XXXX.
I am NOT past due yet my account is marked as such and I am receiving emails stating that with no response.
I have documentation from the Vice President of Compliance and President/CEO confirming the agreed upon arrangement of which I am in full compliance.
This company previously charged off this loan with zero communication with me and I ended up proving I was in the right. This is another egregious error on OppLoans part.
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I took out a personal loan refinanced that loan last year then XXXX did a debt consolidation on loan my credit union sent out payment opp loans returned payment XX/XX/XXXX and XX/XX/XXXX meanwhile it showed paid they allowed me to take another loan I did now they reported to the bureaus that my acct as a charge off hurting my credit I just got notified of this report 4 months later they never contacted me it was reversed they turned over to collection agency I make payments for past loan now and current loan never been late and they reported me to credit bureaus at charge off with no notification hindering me getting my VA home loan I have contacted opp loans they can't tell me why it's reported charge off or why I was not notified I want the charge off removed as I agreed to pay past loan offbin full as I am already making payments please help
|
| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My Identity was stolen in 2020 and XXXX accounts were open via fraud. XXXX, XXXX and XXXX, all have been dismissed with prejudice in court and removed from my credit report.
However, XXXXOPPSLOAN continues to report erroneous information on my credit reports. I've sent them the police report I filed and FTC affidavit certifying these accounts were opened due to identity theft.
I'm attaching the information already sent to XXXX/OPPSLOAN and demand they remove this erroneous information from all credit bureaus immediately.
I demand XXXX/OPPSLOAN provide the picture ID used to open this account. Signed contract, if Esigned, the IP addressed used per ESIGN regulations.
Failure to provide this information is a violation on FCRA, FDCPA and UDAPP government regulations and may result in future court/arbitration actions.
|
| 02/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
OPPORTUNITY FINANCIAL LLC have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity.
Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party.
I have a right to this information, as its directly associated with the reporting activities associated with my financial record.
Failure to act and/or comply will result in legal actions under Federal Laws
|
| 12/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Account name : Opportunity Financial # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
. I have a loan which is now settled with Opp Financial. I would like for Opp Loans to just reflect my credit report as such. Ive called in, file disputes and they keep updating my credit report as file remains, although it has a XXXX balance. As I paid on the loan amount, it never reflected in my credit report they just kept reporting it as past due {$970.00}. I really just want them to update my credit report so I can move on from this! They blame the credit bureau for the delay in reporting but the credit bureaus say they submit the info as soon as they get it. I have the letter reflecting the {$0.00} balance. I submitted to XXXX. Why do they respond that the account remains as is with {$970.00} due. Opportunity Financial, please just update my file. Please!
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I just went through a bunch of statements that were sent to me and man, there are so many mistakes! I need some proof to clear things up. Can you provide me with some documents that break down the finance charge? I want to know exactly how you calculated it, including stuff like the average daily balance and periodic rate for each period. Oh, and if you used the Federal Reserve prime rate, make sure to factor in any changes that affected the interest. Did you use the average daily balance method? And did it include or exclude new purchases? Also, if the finance charge includes insurance to protect the creditor, tell me what type of insurance it is ( like legal or debt suspension ) and how much it cost in each period. How did you miss all these errors?!
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NUMBER OPPLOANS XXXXXXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.
I contacted XXXX XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof
|
| 05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was VERIFIED.
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address XXXX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
|
| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The company opploans is been harassing me with a loan that they said I applied for and I never did, I told them a few months to stop and now they said I applied again on XX/XX/2023 and its a lied, I do not want to do business with that company because they have bad reviews and now I know that all they said about them is true, because they are phishing for my business, several times I XXXX them to stop and they continue to harassing me with emails. They are located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX IL.
I also reported them to the BBB to see if they stop to do this to peoples they keep running my credit and that will affect my score, they are committing fraud doing that and I know is not legal to do so.
Sincerely, XXXX XXXX
|
| 10/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Opp loans have been adding an additional {$200.00} to my payoff balance every month. Just when I think I close to paying the loan off it gets bigger. I called and inquired about it and then asked them to fix it.
I was told that the loan accrued {$200.00} every month and I told them it should not be so and to pay me my money back. Of course they refused because this company is now full of lying thieves committing highway robbery on customers which is against the law.
They also lied about a deferment on my account with different reps giving me different information. I was told a payment was due for the month of XXXX and then I received an email saying I missed a payment. I asked them which is, they can't make up their minds and are XXXX XXXX XXXX
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I sent a dispute on this with the consumer credit reporting agencies. My understanding a settled account can not be listed as a charge-off on the credit report. Currently, this is reporting as a charge off with the following comments : Payment after charge off/collection settled-less than full balance. However, the settlement agreement that was emailed and the completion made no reference to this being listed as a charge-off. I need the credit file to be updated exactly as promised or deleted if it can not. I have attached the emails showing the promises made by opp loans once I completed the settlement. I feel like the company is negligent in how they updated the information because it should have been updated as agreed in the settlement offer.
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| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
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I applied for a personal loan, and was asked for documentation showing my legal name change. I provided my US Passport, current unexpired Illinois drivers license, paystubs from my employer and social security card. I was then asked for my marriage certificate proving why my name changed. I submitted a copy of my marriage certificate, apostile and certified translation documents because I was married outside of the US in a country participating in the Hague Convention. I was then told that my marriage documents had to be US issued. which is not possible as I was married outside of the country, despite my documents being accepted by the United States Government. this is discriminatory practice. All of my documents are US government documents.
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| 12/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
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It was about XXXX months ago I was having issues with my bank account so I contacted the company and informed them of the situation and asked them to stop auto draft. They stopped the one for that month but then withdrawal it the next month. So I called again to see what happened and informed them that I stopped the auto draft and needed the money back into my account They then informed me that they didn't stop it because it wasn't wrote up in the system and there wasn't anything they could do. Then asked had it been stopped they said yes, so I called back the next day and found out they still didn't stop it, it took me XXXX more days before they did stop and thats because I had to make them send me a letter to my email
|
| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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This company received my loan application on Sunday XX/XX/XXXX and said today that the application was expired.
All of the required documents were sent in.
The representative over the phone informed me that nothing was wrong with the application. It just expired. They said that I have an option to reapply in 24 hours.
My bank information was verified, and I signed a 20 payment plan contract with payment dates, payment terms, and autopay.
The loan amount requested for {$2000.00}, was qualified and the contract stated terms and conditions of 20 payment arrangements with 160 % APR.
Although I signed, I did not receive the loan and my application expired.
Contracts are legally binding documents that do not expire.
|
| 07/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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|
Opp Loans, has failed to apply my loan payment in a timely fashion.
-They have failed to notify me of the option to make payment on holiday, not including the most recent email I received asking me if I wanted to.
-They are not calculating my interest correctly, they are counting the beginning and ending dates multiple times.
- The fail to provide me with accurate information on my loan, interest, and days counted for that interest.
- When I refinanced the loan, they failed to tell me that my first payment would not be applied to my interest or principal.
- I've called several times on these issues with no result, and when asked for a supervisor or manager the line is disconnected or I'm refused.
|
| 01/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them.
According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
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| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
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Web |
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I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I am a victim of the Florida flood and the creditor agreed to remove this negative account off of my credit report. The creditor does not provide information on how the debt is owed. The creditor is violating FCRA Section 604 and 609. I have contacted the company several times on numerous occasions regarding this not accurate debt with no prevail. I am a victim of XXXX, hurricane Ian and Michael and the creditor agreed to remove this negative account off of my credit report.
|
| 12/04/2020 |
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
|
|
Web |
|
|
Hi, I was graciously accepted to open up a line of credit with your business. I made sure to always make my monthly payments on time. Unfortunately due to COVID-19, I fell on hard times and was late making a payment in XXXX 2020. I am asking for a goodwill credit bureau update to remove this late reporting. As soon as I was able, I brought my account current and even paid off my installment loan. I am in the process of trying to qualify for a home loan to provide a future and solid foundation for my children and this late payment is negatively impacting my credit score. Please know I am NOT disputing the reporting but only asking if I can be granted a goodwill credit bureau update.
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly 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 furish 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.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 04/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/2022 I was approved for the loan of {$2000.00}. The interest rate is 160.14 % and as I pay, the loan amount continues to increase and is now totaling {$2600.00} regardless of payments I have made. I was charged every pay day for this loan. I missed payments and it is now with a debt collector who insistently contacts me via phone call as well as email. I have XXXX XXXX children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options. The loan balance continues to increase and adversely impact my credit. In my research, the interest rate that they approved me with is intentionally predatory.
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have reached out to the company several times in the last year and a half providing information to them showing them the account was not mine. I've sent a police report, FTC report, my identification and a plethora of other documentation just to be told that information was not good enough. This has gone on for far too long. I have not received an original contract proving the debt belonged to me -- just a statement. Also, according to my credit report, each reporting agency has a different opening date. But if this information was accurate why are they all reporting the same thing? Reporting an error and even fixing an error is a violation with a fine of {$1000.00}.
|
| 07/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/2020 I pulled my credit report and saw that Opportunity Financial , LLC is showing a loan charged off with a past due amount for loan # XXXX.
I wrote a letter and enclosed a check stating that if they cashed this check they would, show account paid in full, and remove account from ALL credit reporting agencies, cease all collection attempts and agree not to sell or transfer loan to an outside agency.
I have attached my credit report dated XX/XX/2020, a copy of my check that stated the above information dated XX/XX/2020, a copy of the cancelled check dated XX/XX/2020 and a copy of my credit report dated XX/XX/2020 showing they have dishonored this contract.
|
| 07/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
on XX/XX/2021 and email was received stating my payment will be taken out on XX/XX/2021. However, I had never heard of this company, I tried to contact the company via phone numbers on the website and email and the calls could not go through. I reached out via XXXX and XXXX. As I never heard of this company or applied for a loan through any of the sub-companies they have listed. I have asked for my information to be removed or how to go about it. They will not answer and when they do they do not offer help. I did not give permission to a company i have no clue who they are to offer me loans or to even have my personal information. I want it removed.
|
| 10/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Final terms of loan were deemed to be predatory lending at 158 % APR and in violation of California usury law AB XXXX. Account was paid in full and closed and listed as re-financed by the lender without my approval and is now appearing on my credit report twice. one showing paid and the other showing written off hurting my credit. I have attached supporting docs and intend to report to the California XXXX XXXX, the FTC and file a lawsuit if not resolved immediately and all reporting on my credit reports deleted. They continue to willfully report and verify the debt to the credit bureaus when I dispute. This is predatory lending at its core.
|
| 06/21/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I was in court and a judgement was entered in the amount of {$1800.00} with payment to be sent to XXXX XXXX ( OPP Loans collections attorney ). Payments were to be {$150.00} per month. On XX/XX/XXXX, a cashiers check # XXXX in the amount of {$1800.00} was certified mailed to them using USPS - tracking number XXXX. I had called in XX/XX/XXXX to ensure the payment was posted. It had not been. On XX/XX/XXXX I received a release of judgement from XXXX XXXX. Upon reviewing my credit reports, I see that as of XX/XX/XXXX, OPP Loan still is reporting to the credit bureaus that I am making late payments and delinquent on this account.
|
| 10/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I've been " approved '' several times on not only XXXX XXXX but XXXX. Every time I " accept approval '' and complete the application, it is declined. I receive an automated response with all the reasons for the decline decision and every time, I have contacted Opploans as their reasons do NOT apply to me and I have verified, SEVERAL times, that I meet ALL requirements in addition to receiving the offers that I'm already approved.
This is not fair, as I've been working VERY hard at improving and repairing my credit score from the damage that was done in 2008, and every time I believe I'll be able to get ahead, I am turned down.
|
| 02/17/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An unlawful loan was provided via OppLoansXXXXOppfi per Virginia finance code 6.2-1500 ; 6.2-1501.
Virginia lending codes do not permit annual apr in excess of 36 % unless the company is licensed through the VA SCC to do so. OppLoans annual apr is stated as 160 %.
OppLoans/Oppfi is not an authorized lender in the state of Virginia and is in violation of VA lending codes by attempting to circumvent code by providing lending through XXXXXXXX XXXX XXXX which is also not an authorized lender.
According to Virginia code 6.2-1501 the loan is unlawful and should be fully discharged and not reported to credit reporting agencies
|
| 09/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XX/XX/2018, while in the XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX, attending my extremely ill daughter ; this company continued to call me and offer to help me with a loan. The NEVER, explained tbat I would pay 4 times what I borrowed. After paying them well over and above what I borrowed, I called to ask why my balance is so high? Their response was I am not paying down my balance only parts of interest. I stopped paying by changing my bank account. Now, I want this company to remove this monthly statement of late payment to them when the account is closed. For two years they are waiti g for a month 's payment
|
| 10/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
My name is XXXX XXXX I called opploans on tuesday on the XX/XX/XXXX to schedule a partial payment of XXXX dollars for my loan. And when i checked my bank account online they charged me twice the full amount of the minimum and the partial payment. I have other bill payments scheduled today and their negligence will cause my bank to overdraft and my insurance company will cancel my insurance for returned payment. The only thing I want to happen is for them to put my money back to my card. My bills can not wait 1 week and they adviced me to wait one week for the refund. I need your assistance regarding this matter. Thank
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 09/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
DO NOT APPLY FOR ANYTHING WITH THIS COMPANY!!! THEY ARE A SCAM AND WILL XXXX YOU OVER! THEY FALSEY APPROVED MY APPLICATION ONLY TO DENY MY APPLICATION AFTER A GUY CALLED FROM THIS NUMBER XXXX AND DIRECTED ME TO GO TO THIS XXXX XXXX AND CLICK ON 5 STARS AND WRITE SOMETHING NICE ABOUT A LADY NAMED XXXX. I DO NOT EVEN KNOW XXXX!!! WELL ONCE I DID EVERYTHING HE ASKED ME SAID AGAIN, THANK YOU AND CONGRATS AGAIN ON YOUR LOAN APPROVAL. WELL IT GETS POSTED THEN ALL OF A SUDDEN THEY SENT A EMAIL STATING IT WAS NOT APPROVED!!! WOW!!! I WILL BE CONTACTING THE BBB AS WELL AS WELL AS THE CEO OF THIS SO-CALLED COMPANY
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed incorrect information about XXXX and opp loans starting XX/XX/2023.
XXXX reports my balance as XXXX, they updated the correct amount which was XXXX on XXXX but refuse to update with the other credit bureaus. Opploans continued to report a balance that was paid off as well and instead of the credit bureau deleting this account they updated it because I had proof that it was paid off when in fact it should have been deleted because they knew that the balance was incorrect of XXXX and the credit bureau continued to report it even though they had a letter saying that I paid the debt off.
|
| 12/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
First of all I am a veteran so I cant get payday loans. Look me up. Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me. Also where is my actual signature. Electronic signature I would never do that for a loan.
2nd this person was awfully rude. Unbelievably rude.
That is not my bank if you must know. I go to a well known bank which I wo n't be giving any information because I still do not know whom this company is.
Because I do not know whom you are. The number you gave me was out of state. Now you are being incredibly rude to me.
|
| 06/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XXXX I took out a loan with XXXXXXXX XXXX through Opploans.com. The contract lists nine payments through XX/XX/XXXX in the amount of {$210.00}. I had a deferment in XX/XX/XXXX and a payment that had insufficient funds in XX/XX/XXXX. I assume that would extend the contract to XX/XX/XXXX, and which I was told I was correct by a CSR and a Supervisor. They are now charging me additional interest which is well over a monthly payment and over {$300.00}, but Im unsure the full amount. The contract is over and theyre still charging me money. Is this legal? Would you please investigate?
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I was charged {$240.00} AND {$240.00} for the same transaction. I have contacted XXXX about the additional charged with evidence from XXXX and a personal receipt stating there should only be one charge in the amount of {$240.00} on my account.
I was told by XXXX to contact XXXX to refund my card with the temporary hold of {$240.00}.
XXXX has continuously charge my card and deny my dispute for the duplicate transaction/temporary hold. I have tried to work with XXXX with this issue for over 2 months now and they are refusing to apply the correction with rightful evidence.
|
| 08/05/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
OPPLOANS are inaccurately reporting on my consumer file with XXXX and XXXX. This account was taken out fraudulently in my name. They are coming back saying accurate which it is NOT. They are in violation of my privacy as a consumer of the FRCA. My bank has closed the account linked to this activity. I have disputed this information more than 3 times and it is not verified correctly. This company is in violation of code 15 USC 1861i. of the FRCA. I am going to pursue legal action against this company if they do not remove the account and stop reporting on my consumer file.
|
| 11/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
OPPLOANS has not updated Balance since XX/XX/2021 on XXXX, XXXX, and XXXX Credit reports.
The balance was confirmed paid in full : Last Payment Date : XXXX XXXX XXXX Last Payment Amount : {$490.00} Balance : {$0.00} Hi XXXX!
Congratulations! With your most recent payment on XXXX XXXX XXXX, your above referenced account is now considered paid off.
We sincerely appreciate your business and hope to work with you again in the near future. Should you ever need a new installment loan, please do not hesitate to call ( XXXX ) XXXX or by logging in to your account to apply.
|
| 06/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
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.
|
| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
|
| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond
|
| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
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 section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opp loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
I have not even received any money from this loan that they say I allegedly took out. I have emailed them. Then they said that they would update the information. Then I get another email with a guy being completely rude They have contacted me all through XX/XX/XXXX and up until XX/XX/XXXX,. I can not seem to find a website on these guys. They have a XXXX number which seems long distance.
It is my wifes email and she only uses it for XXXX.. That is the funny thing about this. Please help. They put this on my credit and I am having problems getting it removed.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Opportunity Financial , LLC has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.
|
| 08/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I contacted this firm opp loans several times XX/XX/2019 and XX/XX/2019, as a consumer regarding the high interests rates being charged on my loan. I informed them that military spouses and familys ( my husband is XXXX XXXX ) that we are protected against high interest rates. They informed me that they needed proof to review my interest rate. They then informed me that spouse loans are not covered under the military lending act and was notified by their legal department. My current interest rate is 159 % on short term installment loan. Please assist
|
| 03/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A while back, I had a loan with Opportunity Finance that went into collections. But several months back I contacted them and arranged a settlement to resolve the account that they agreed to. This arrangement was made and fully funded in XXXX of 2020. Despite that, Opportunity continues to report that there is an outstanding balance on this loan. I've disputed the account several times with the credit bureaus, and even called Opportunity Finance and asked them to fix this ; but this account still shows as unresolved on my credit report.
|
| 12/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
OPPORTUNITY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX {$0.00} Highest Balance $ 1200 XXXX payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In XXXX Worst Payment Status No Info Account Details Account status Derogatory Type Unsecured loan Responsibility Individual Remarks Payment after XXXX XXXX XXXX profit and loss Consumer Complaint Paid through collections, and the debt is still reporting as collections.
|
| 05/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/2020 at XXXX XXXX, I was sent an email by opp loans that said my loan was late. I promptly called them and told them that I have either paid early or let the system take the payment on time. I have always called prior to making an early payment without a problem. I talked to XXXX the supervisor as she was working from home and she said the system didn't record my payment and some employees recorded an arrangement for late payment on my account without my permission which is false and I want this investigated promptly.
|
| 01/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On XX/XX/2022, I began the debt consolidation process with a company. On XX/XX/2022, I emailed XXXX requesting to freeze card and close the account. XXXX replied on XX/XX/2022 stating they could close the account, but XXXX never closed the account and it is still accruing interest to date and reporting negatively on my credit report. The debt consolidation company can not begin negotiations until the account is closed for collection. XXXX is the only creditor who has not complied with my request for account closure.
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.
15 USC 1681 Section 602 A 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 written consent.
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.
15 USC 1681 Section 602 A 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 written consent.
|
| 09/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I work as an XXXX XXXX XXXX XXXX for my daugther, who was in the Intensive care unit at XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. When my daughter is hospitalized I do not get paid. After being in the hospital for a month I signed an Opp loan for {$2600.00}. From XX/XX/XXXX to XX/XX/XXXX I have paid them over {$3600.00}. Today they tell me that I owe them {$2800.00}. I just made a payment for {$210.00} That I am placing a Stop payment on. I was never told the INTEREST RATE OF 160 % THAT IS ACTUALLY OVER 430 % APR.
|
| 11/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On or about XX/XX/2017 a lian was taken out in the name of XXXX XXXX. This was then tied to my social security number due to identity theft. This has been stated to opportunity financial. They are now suing me for a debt that was challenged as identity theft. Loan was applied for online in what appears to be Iowa. Loan is not in my legal name. Loan is past the statue of limitations in TN. I strongly urge opportunity financial to assist with marking this as identity theft as other items on my report have been.
|
| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a loan XX/XX/XXXX for {$2700.00}. I did not realize the interest rate was 160 % interest. I have made a {$230.00} every two weeks since XX/XX/XXXX ( 6 payments ) which total {$1100.00} and ONLY {$160.00} of that {$1100.00} has gone towards the principal amount of {$2700.00}. After 6 payments ( {$1100.00} total ), I still have a pay off balance of {$2500.00}! Please help me!! This is criminal according to the XXXX XXXX Laws with a 36 % max interest rate of personal contracted loans under {$5000.00}.
|
| 02/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This loan was charged off at {$3300.00} ( approximately ) in XXXX. When I hired XXXX XXXX in XXXX to challenge this item on my credit reports, Opportunity Financial changed the amount and retaliated against me by increasing the amount due on my credit reports to over {$5100.00} with no justification. Opportunity Financial has a legal obligation to accurately report the past due debt. Likewise, the creditors have an obligation to report accurate information which has been wrong now for more than 3 years.
|
| 09/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
This company wanted my bank acct. Info before loan amount or fees were discussed. They stated they were in good standing with the XXXX. Ok i put in my bank info.They approved me for XXXX. The last step said they needed to verify my bank account. They wanted my online banking login info. To make things worse the terms and conditions state all submitted info is property of opp loans.That is a huge red flag and they have my bank info now. There are ways to verify correct bank info. This should be fraud.
|
| 03/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XXXX of 2019 I took out a XXXX as the website stated I would be charged the amount of XXXX $ in 12 equal installments, well after XXXX $ was paid in 5 installments all of a sudden the balance was still XXXX so they lied and misrepresented to get me to take out this loan and preyed on me. So I stopped paying them and now on my credit report I owe them the original XXXX $ which I will never pay but would more than will to resume payments for exactly 7 more payments as was the original deal.
|
| 02/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/05/2022 |
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
|
|
Web |
|
|
OPPORTUNITY FINANCIAL XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type Installment Account Loan Type UNSECURED Date Updated XX/XX/2018 Payment Received {$270.00} Last Payment Made XX/XX/2018 High Balance {$800.00} Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Weekly for 9 months Date Closed XX/XX/2018 Remarks ACCT CLOSED DUE TO REFINANCE ; CLOSED
|
| 10/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I had a {$280.00} balance left over from a {$1200.00} installment loan and I noticed the next week my balance increased to {$380.00}. I spoke with XXXX and the disputes manager and she left me know that I had been overcharged due to their systems error. She assured me that my account will be corrected within 48hrs, but it has now been two weeks and even though I've called at least 4 times they keep telling me the same thing and reporting false information the the credit bureau.
|
| 10/06/2021 |
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
|
|
Web |
|
|
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on OPPITY FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 01/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I paid my loan off for opportunity financial opp loans for credit deletion. I explained in great detail I was needing this information updated to my credit file because i getting ready to close on a home. I was told the information would be updated on the XX/XX/XXXX electronically. I have spoken with the credit reporting agencies and it shows XX/XX/XXXX last update. I called and emailed opp loans back and the are refusing to update my account with the deletion.
|
| 11/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 06/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I recently had a new Approved with OopsLoan acct # App-XXXX {$2700.00} Amount of finance and total payments {$4700.00} Annual rebate is 169.86 % Company located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Is that legal to charge Over 160 % on a personal loan in California?
I used this company 3x and felt that they were overcharging me on The interest rate I am a residence of Ca any max set rate for state for CA?
Thanks you!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This loan interested was not disclose at the beginning of the online application. No body call or contacted me to tell me the HIGH RATES.
A {$2000.00} loan on XX/XX/2023 that I already paid {$2700.00} as of XX/XX/2023 They want to add {$1600.00} in more interest for a 7 month credit.
This is wrong in every way how can they be allow to charge this kind of rates.
The loan is paid and the already got {$730.00} in fees and still want to charge more.
I need your help!!!
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I paid off loan they first reported as written off I contacted you they reported paid off now they reported on my credit report as late 30 60 days late and will not correct it on my reports but send me over a letter head showing a XXXX balance but I need it removed as late n a charge off on my report I contacted their resolution department but they have failed to respond as I asked them to remove the degrotiary remarks n they refuse I want this resolved
|
| 06/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This company has been unfair in their business practices. Theyre high rates for interest and coupled by the fact that the bank, XXXX, attempts to shelter their shady practices through separate entities such as OppLoans. This bank is not reputable and skirts banking regulations to take advantage of low income people. I attempted to setup a more manageable plane with them and their response was you signed up for it, it is your fault is very concerning.
|
| 06/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
RE : Revocation of authorization for debits Company : OPP Loans To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits.
Sincerely, XXXX XXXX XXXX
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States | have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer roporting agency can not furnish a account without my wilten 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 reason
|
| 10/16/2023 |
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
|
|
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 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Federal Credit Reporting Act, this creditor has violated my rights. On the 15USC1681 Section 602 states I have the right to privacy.
5USC1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
On the 15USC1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/28/2022 |
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
|
|
Web |
|
|
I open account with XXXX and then I read there fees and interest rate. I closed the account immediately and I never use or activated the card. Then they said me emai saying I owe then {$99.00} fee. They told me they were going to take the fee off and never did. I told them I would see them in court. This wrong charging fees for no reason. Now it showed up on my credit report. I would like this to be removed from my credit report.
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I've gone to the company directly to fix this issue and they act as though they have no idea what I'm talking about. The dates for XXXX are incorrect. It's not a complicated fix yet they are refusing to acknowledge what the problem is and to fix it. The last reported and last payment dates are incorrect. I don't understand why this is rocket science and want it corrected. It needs to be corrected or removed per the FCRA laws.
|
| 06/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
To whom this may concern : I have a loan through opp loans. I have used this loan company before and just refinanced recently. I am just curious how they can charge such a high interest in wi, when other states prohibit opp loans to charge 130 % interest rate and get away with it. I understand when I took out the loan, of the high interest rate. I just think that someone should look into the WI laws.
Thank you for your time
|
| 03/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a loan with XXXX who denied me then referred me to XXXX who took all info my then OppLoan popped up saying congratulations with the most outrageous option for a XXXX loan ever. The option was XXXX a month for 3 years at 160 % interest which would result in me paying that company back XXXX for a XXXX loan! I am sending screen shots of this. I did not complete the app because that is extreme predatory lending!
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
THE DATES ON THESE 2 ACCOUNTS REMAIN INCORRECT!!! I HAVE CIRCLED THEM AND WROTE IN THE CORRECT INFORMATION! WHAT MORE NEEDS TO HAPPEN???? THE CREDIT STAFF AT OPP LOANS IS COMPLETELY INCOMPETENT & ILL TRAINED IN HOW TO REPORT ACCURATE CREDIT INFORMATION! YOU ARE NO BETTER!
THE DATES ARE WRONG!!! LAST TIME I INTEND TO DISPUTE THIS! OPP LOANS REFUSES TO ACKNOWLEDGE THIS IS ABOUT THE DATES NOT - THE - LOAN - AMOUNTS!!!!!
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.
|
| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
OPPFI/XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent Letters.
|
| 09/13/2023 |
No |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Received loan during XXXX epidemic. I didn't know the interest rates was enormously high to the point it keeps you in debt I also didn't know they were involved in lawsuits and had such bad reviews. None of your payments go towards your loan at all. And I had gotten XXXX and was out of work for XXXX Months and I told them this as well. They are a predatory and scamming company who should be shut down.
|
| 09/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Opps loans has reported a charge off of my credit report. That means they have reported that as a lost written off with a 1099c. If it is written off than that charge off becomes personal income for for and should not be reported on my credit report and also I need a copy of the 1099c. If they reported it to the IRS as written off than they should not try to have me pay also. They are committing fraud.
|
| 03/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I am a victim of identify theft and I have receive several emails from this company regarding a loan that I did not take out. My credit file is frozen and there is a fraud alert place with all credit bureaus. This company only option to notify them of fraud is by email and I have yet to hear anything back from them. I did not apply for any loans through OppLoans and need this to stop immediately.
|
| 03/14/2023 |
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
|
|
Web |
Servicemember |
|
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.
|
| 09/23/2015 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Bi Weekly payments of {$180.00}, i notified them via certified mail that I had a change in income and could no longer afford the payments and to stop ACH withdrawl, they did stop the withdrawl, but are now saying the loan is 21 days past due when it is only 5 days past due and are threatening legal action. I also sent them a check and a promise to pay {$20.00} a month until paid in full.
|
| 09/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I first noticed this loan was located on my credit report in XX/XX/2023. I contacted Oppurtunity Financial around that time to send all information but did not receive anything. I contacted them again on XX/XX/2023 & XX/XX/2023 & requesting information concerning this loan. I have yet to receive anything. The loan states it was opened on XXXX/XXXX for {$1700.00}. This is not my loan.
|
| 08/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
|
| 03/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have tried to resolve this debt but was advised that this is now with their attorneys thats threatening wage garnishment and over {$500.00} in fees. I just started hearing from this company that I got a loan from in XXXX a couple of months ago and Im not left with any options and an enormous fee from lawyers. I also am requesting the account summary for the entire loan
|
| 12/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have been paying this loan for more than a year and the principal has not changed. I borrowed {$2000.00} and have paid {$4600.00} into this loan to date.
When I called about this, the company said I could increase my payments if I wanted to pay it off faster. The company keeps changing the amount deducted, reducing it so that no principle is paid, just interest fees.
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, The following account on my credit report needs attention : OPP LOANS Relevant Facts : -Pursuant to 18 USC 8, I owe no debt.
-This company is violating my consumer right to privacy pursuant to 15 USC 1681b.2.
-This company has no permission to report anything using my information pursuant to 15 USC 1681 4.
Please DELETE this account.
Sincerely, XXXX XXXX
|
| 10/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I am paying {$500.00} a month on a loan and in three months my balance has only gone down {$300.00}. I've been trying to pay this off for a while and they're telling me I have 106 % interest rate so it will be paid off in XXXX. I don't trust that they will consider my loan paid off by that time as the interest rate seems to keep my account at the same balance.
|
| 02/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
After losing my job and having a hard time making payments on the loan I received from Opploans ( which was 160 % apr ) they started calling me nearly every day and also calling my family members. It got even worse when they started calling me on Sundays at XXXX XXXX. Which is against the federal regulations of debt collection practices. I will be filing suit.
|
| 03/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a garnishment letter from my job for Opp loans for {$1500.00} so XX/XX/20 I paid the entire loan off. My paychecks were still garnished on XX/XX/20 for {$230.00} and XX/XX/20 for {$230.00}. Even though they see the problem they keep giving me the run around about refunding my money. They haven't sent anything to my employer saying stop garnishment.
|
| 10/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I requested documentation about their account such as signatures and statements. I advised this is a fraudulent account, please update records accordingly and remove from my credit report. A fraud report was provided in XXXX and the item was removed and then added back to my account once again. I have since updated the identity theft report once again.
|
| 11/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I've been paying every Friday for the past 6 months ( {$50.00} ) for a loan amount of {$1100.00} and yet my current due balance is {$1000.00}. I have records of every weekly payment. When I check the payment records tab only the last few payments show. There's no record on the website of all the other money I've paid. I have my bank statements though!
|
| 12/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have the same collections but submitted on different times why is it showing up twice on my credit report and closed account. I have disputed it but its not being removed if the company has sold my debt it is no longer mine. XXXX XXXX is on my credit report 3 times and XXXX XXXX is closed and opportunity financial is on here 3 times for one loan.
|
| 12/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2021, I entered into a contract with OppLoans for a {$1700.00} loan. I was not aware of the 159.49 % APR until after I had received the paperwork and deposit. I didnt see it. See attached. I am happy to pay the {$1700.00} that they sent me but I will not send that money in interest. They have scammed me and not told me everything up front.
|
| 03/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Got a small installment loans. They raised their interest rates and added different fees resulting in me not being able to pay for it. This is now affecting my credit score because this is now closed and charged off in the amount of {$1100.00}. I tried contacting them multiple times to fix this issue but did not get anywhere this this company.
|
| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I checked my report and noticed a late report from OppLoans. I suffered from XXXX and was out of work for a few weeks. I also had a short stay in the hospital around the time the bill is normally due. Due to my illness I totally forgot to pay the bill. However as soon as I remembered, I took care of it. My bill had not ever been late prior.
|
| 05/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report, and saw an account for XXXX/OPPLOAN in the amount of {$1400.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.
|
| 06/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I called Opploans that this current was filed under my XXXXXXXX XXXX bankruptcy, I was told that problem would be resolved and changed off my credit report.
I recently called to check status of this I was informed that nothing has been done.
This why I am filing a complaint opploan had time to change the status on my credit report.
|
| 06/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
OPPLOANS offered me a loan and are charging {$150.00} every 2 weeks to pay back, which I think is a payday loan? I also obtained a loan from XXXX XXXX for a couple of XXXX dollars less than OPPLOANS and they are only charging me {$47.00} bi-weekly. How can OPPLOANS charge so much when the other company charges almost 3 times LESS?
|
| 04/26/2021 |
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
|
|
Web |
|
|
I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OPPITY FIN XXXX, XXXX XXXX XXXX XXXX
|
| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
one inaccurate and fraud account name ( opportunity finance ) has been reporting under my name under my XXXX credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my XXXX credit file thank you
|
| 07/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This company charges upwards of 160 % interest and I believe it is a scam since the most they can charge is 21 % up to 74 % capped in Indiana per state law. I can not get into my account now and have attached a copy of what their loan papers look like and the interest rates they are currently charging against Indiana State Law.
|
| 02/20/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
I do in fact owe this debt. I am experiencing a financial hardship. However, i am experiencing phone calls after XXXX XXXX. daily. As well as calls mulitple times throughout the day. This is unprofessional business practice. I have informed you to stop calling after hours. If this does not stop i will file a cease and desist.
|
| 09/29/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX Il the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances
|
| 10/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I recieved a PREAPPROVED letter inviting me to apply for a loan with a " code '' on it to " verify '' it was me applying for the loan. I applied for this with the assumption that I had been PREAPPROVED as indicated by the letter. As it turns out, I was denied and now I have a ding on my credit report. How is this allowed?
|
| 08/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
OPPLoans set up a loan account fraudulently set up by someone using my name online and my information. I didn't realize it was being deducted from my account as it is close to the payment that I pay for another loan. I've tried to contact the company for resolve but can not. it is therefore negatively affecting my credit.
|
| 09/29/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and deployed this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me
|
| 08/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
When I requested the loan the interest rate was not disclosed until after the loan. The interest rate on this loan is 159.11 %. This would and should be considered a predatory loan.
Required payments are 18 payments of XXXX. I have made 5 payments with almost none of that going toward the principal interest.
|
| 02/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Calling work repeatedly sometimes 3-4 times an hour up to 15 times a day during work. Repeatedly calling cell number from spoofed phone numbers ( if you try to call back the number is not a working number ). Did not receive postal mail confirmation of collection even though I asked for it over the phone.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i contacted this company or opprotunity loans XXXX about validating a debt that appeared on my credit account.
they have yet to send me a validation letter or response to validation.
how do i know this is my debt if i dont know or be able to look at the paperwork they submitted to credit bureau .
|
| 12/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX Account # 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
|
| 03/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 11/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
The company opploans is sending approval notices back to back to my home address implying that I can secure a personal loan up to {$4000.00} with a pre-approved status with a offer code and expiration date, it is a apply online asking for routing and account information and a fast funding option.
|
| 06/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was approved for a pay day loan from OppsLoan in XXXX of this year for {$700.00}. I have already paid off this amount, but they inflated the total balance due, and keep calling me daily, and some times multiple times a day repeatedly. I feel that this is harassment, and should stop immediately.
|
| 05/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
California passed the Fair Access to Credit Act on XX/XX/XXXX. The cap on interest rates in California is 36 %. I took out my loan XX/XX/XXXX. My interest rate is 159.22 %. Opps loans refuse to update the contract. I am grossly being overcharged. I am requesting that this get looked into.
|
| 04/26/2023 |
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
|
|
Web |
|
|
I have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.
|
| 08/20/2023 |
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
|
|
Web |
|
|
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with Opploans multiple times to get the closed account removed due to Opploans violating XXXX XXXX COMPLIANCE I have paid the balance and asked for deletion but OppLoans refuses to delete the closed account
|
| 09/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This company calls me 6 times or more a day. I informed them in XXXX, that I had lost my job and I would call them back when I start work again and get my finances back on track. They dont care they have been calling non stop. They have made it harder for my recovery.
|
| 11/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.
|
| 10/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my settlement and was told that it would be off my credit 30 days after. Its been past 30 days and status on my credit report is paid/settled. I settled this account on XXXX of the amount of XXXX. Its been past and I keep disputing and its not off my credit.
|
| 03/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I entered into a loan with OPPloans without completely understanding the terms of the loan. I'm being charged 130 % on a {$3000.00} loan. This exceeds both the usury limits of Hawaii, where the loan originated as well as Maryland where I currently reside.
|
| 02/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I am being contacted everyday, with the exception of Sunday, for a month. The want the loan paid but, I am unemployed and a XXXX veteran. I have tried to explain this to the company. However, they continue to contact me. It's the same thing everyday.
|
| 03/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
This bank is charging 159.56 % interest. The math on the site is not correct. They are ripping off people with there funny math. You can not see the funny math they are doing on the attached form but in the dashboard the math is all incorrect.
|
| 10/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
This company has very suspect application processes. As part of the final step for getting a loan, I was asked to provide my online banking login credentials. They made providing my user name and password part of the application process.
|
| 09/25/2021 |
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
|
|
Web |
|
|
Opportunity financial was paid the rest of the money owed still reporting derogatory the debt was paid with what balance was said and they tried to bill me for another {$300.00} which i paid after countell late reporting on my credit..
|
| 03/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I checked my credit to see a negative report from OPPLOANS/XXXX in the amount of {$1600.00}. I lost my job and became XXXX and I had no way to keep up the payments. I am now working and would like to settle the debt for {$800.00}.
|
| 08/29/2022 |
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
|
|
Web |
|
|
Opportunity Financial XX/XX/2022 amount {$850.00} is unknow account on my credit report. Try to contact this company but they keep put me on hold. I can't get no phone representative to speak with me about to account..
|
| 07/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I visited the site, but I do not have a loan with OppLoans. Yet, I received correspondence about a payment coming forth on XX/XX/2021. When I attempted to call and question the matter, the line is always busy.
|
| 12/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have been trying to pay Opploans and they are unresponsive to emails. They have reported to XXXX, XXXX, XXXX that my account is charged off. They have also reported the account multiple times on my reports.
|
| 06/18/2020 |
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
|
|
Web |
|
|
Opp loans has failed to provide verification of the charge off listed under my name. The account is inaccurate and even after several disputes they have not verified ownership or accuracy of the charge off.
|
| 05/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Im in North Carolina and I was desperate when I took out the loan I didnt realize my interest rate was 160 % I think this is predatory please assist as I can no longer afford the payments
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks
|
| 05/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I live in Nc and was in a desperate state when I signed up for the loan not realizing the interest rate was predatory at 159.9 % now Im struggling to make the payments please help
|
| 08/27/2021 |
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
|
|
Web |
|
|
On XXXX XXXX my account was debited {$150.00} and caused my bank account to be overdrawn. Then the following day on XXXX XXXX my account was debited for the same amount {$150.00}.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A personal loan shows to have been taken out without the permission or my acknowledgment.The account does not belong to me. This is a violation of my US Constitutional Rights.
|
| 10/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.
|
| 11/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Took out loan for XXXX in XX/XX/2018. Has taken XXXX per week out of my bank account and balance shows that I owe XXXX. Even with interest I have well overpaid this loan
|
| 07/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX this account is reporting OPEN, Negative & /or showing a balance after being included in bankruptcy XX/XX/XXXX which was discharged XXXX & closed XX/XX/XXXX
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Disputed many times company will not provide documents to prove account belongs to me but still reports negative on all credit reports which has ruined my credit.
|
| 07/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I refinanced a loan with the understanding that the finance charge would be lower but instead they increased the amount of the loan with higher finance charges.
|
| 07/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Older American |
|
Since XX/XX/2023, I have attempted to stop automatic payments from my checking account with my bank and the lender. The disregard created a financial hardship.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid in full my loan amount. They are arguing I didn't pay. I paid XXXX on a XXXX dollar loan in less than 4 months from getting the loan with opploans
|
| 07/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I re-financed my original loan with the understanding that it would lower the interest rate. Instead I was given another loan with even higher interest.
|
| 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
|
|
Web |
|
|
I am a victim of identity theft. I have tried to work this out with the creditors but they have been unhelpful. Now Im reaching out to you for help.
|
| 08/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have no knowledge of any account with Opps Loans. I have talked to customer support and they agreed to remove the information and they never had.
|
| 11/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I, the consumer, trying to exercise my rights to validate a debt and Opps Loans debt collector is not responding. They are violating my rights.
|
| 10/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
They charged an account that was not authorized and put it as pass due and didnt know it was still open when I called it said ot was close
|
| 09/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 09/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 08/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello i wanted to get the following inquiries deleted for i did not authorize these companies to run my credit which is fraudulent.
|
| 08/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection from Opportunity Financial and I do not owe this debt. I have disputed this in the past as well.
|
| 03/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I have met all of the min requirements as stated on the website but still get denied and noone can seem to tell me why.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I would like all my hard inquiries removed from my credit report due fraud and federal violations using 15 usc 1681
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My records show I made two payments in XXXX and one in XX/XX/2020.
The creditor is reporting I was actually late.
|
| 04/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was not aware of interest before agreed to loan. I have paid XXXX for a XXXX. I still owe almost XXXX
|
| 03/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account has been paid off and closed but it is still showing on my credit report as high balance.
|
| 09/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Payday loan struggling to pay off and they helped by refinancing and now I have more to pay off.
|
| 11/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Please CFPB, send attached documents to Opportunity Finacial and XXXX credit bureau. Thank you!
|
| 10/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
the amount was XXXX they lie to me about the payents and it was to much for me to handle
|
| 06/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and opened many accounts without my permission or authority.
|
| 03/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My balance was paid in full and should be reported to all 3 credit bureau 's.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Missed payments and late payments were errorounlsy reported
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Account/inquiry reporting on XXXX XXXX that is not mine
|
| 07/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My interest rate is more than what I can afford.
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Identity theft accounts not open by me.
|
| 09/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
Couldnt get my loan request fixed
|
| 09/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
They are charging outrageous fees
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not mine.
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Student loan
- Private student loan
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Older American, Servicemember |
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/03/2024 |
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
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/27/2023 |
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
|
|
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
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 12/19/2023 |
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
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/18/2023 |
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
|
|
Web |
|
|
|
| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/15/2023 |
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
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/30/2023 |
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
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Referral |
|
|
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/22/2023 |
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
|
|
Web |
|
|
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/12/2023 |
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
|
|
Web |
|
|
|
| 03/10/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
|
| 03/08/2023 |
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
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/24/2023 |
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
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/10/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American, Servicemember |
|
|
| 01/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
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
|
|
Web |
|
|
|
| 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
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 09/10/2022 |
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
|
|
Web |
|
|
|
| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/28/2022 |
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
|
|
Web |
|
|
|
| 02/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 01/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 11/27/2021 |
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
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 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
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 08/30/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/11/2021 |
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
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Referral |
|
|
|
| 07/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 05/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 02/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/02/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 12/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 10/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/24/2019 |
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
|
|
Web |
|
|
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 08/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
|
| 07/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 07/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 07/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 06/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/19/2019 |
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
|
|
Web |
|
|
|
| 01/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/28/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 11/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 11/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/21/2018 |
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
|
|
Web |
|
|
|
| 09/17/2018 |
No |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 04/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Postal mail |
|
|
|
| 03/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 02/06/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 12/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 11/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Phone |
|
|
|
| 09/30/2017 |
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
|
|
Web |
|
|
|
| 09/08/2017 |
No |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/16/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/12/2016 |
No |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/01/2015 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/25/2015 |
No |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 03/17/2015 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/21/2014 |
No |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 08/13/2014 |
No |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/09/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|